A credit condition credit risk intelligent analysis and evaluation method and system

Abstract

The invention discloses a credit condition credit risk intelligent analysis and evaluation method. The method comprises the following steps: obtaining a credit request of a user; obtaining corresponding user credit to-be-evaluated information according to credit product information in the credit request; performing feature analysis on the user credit to-be-evaluated information by adopting a preset feature analysis model to generate user attribute feature information; generating user asset trend information and user credit trend information according to the user attribute feature information and asset information and credit information in the user credit to-be-evaluated information; and according to the user attribute feature information, the user asset trend information and the user credit trend information, using a preset risk assessment model to assess the user credit risk, and forming user credit risk assessment information. The invention further discloses a credit condition credit risk intelligent analysis and evaluation system. According to the invention, different credit conditions of the credit personnel can be accurately evaluated according to different credit products, and the evaluation efficiency is improved.

Description

technical field [0001] The present invention relates to the technical field of credit risk assessment, in particular to an intelligent analysis and assessment method and system for credit conditions credit risk. Background technique [0002] Credit refers to the form of value movement that is conditioned on repayment and interest payment, usually including credit activities such as bank deposits and loans. The generation of loans is bound to be accompanied by risks. Before the repayment period expires, major changes in the financial status of the lender are likely to affect Its ability to perform contracts, in the process of developing personal credit business, various risk problems may arise, for example, individuals who do not have the ability to continue repayment cannot make normal repayments, mortgages cannot be realized, pledges cannot be realized, guarantees are vain, As well as invalid guarantees and other issues, resulting in bad debts, bad debts and other risks, ba...

AI Technical Summary

Problems solved by technology

[0002] Credit refers to the form of value movement that is conditioned on repayment and interest payment, usually including credit activities such as bank deposits and loans. The generation of loans is bound to be accompanied by risks. Before the repayment period expires, major changes in the financial status of the lender are likely to affect Its ability to perform contracts, in the process of developing personal credit business, various risk problems may arise, for example, individuals who do not have the ability to continue repayment cannot make normal repayments, mortgages cannot be realized, pledges cannot be realized, guarantees are vain, As well as invalid guarantees and other issues, resulting in bad debts, bad debts and other risks, banks need to bear huge risks

[0003] At present, the lender's credit risk is usually assessed based on the lender's personal information, value data, and credit data. The existing technology generally evaluates various information of the lender, and it is impossible to accurately evaluate different credit products. Effective analysis of specific data leads to excessive consumption of evaluation resources, low evaluation efficiency, and inaccurate evaluation results

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