Risk control method and device, computer equipment and computer readable storage medium

A risk control and risk technology, applied in the fields of computer equipment and computer-readable storage media, risk control methods and devices, can solve the problems of lack of uniformity, lack of risk control capabilities, business authenticity verification and insufficient fraud detection capabilities, etc.

Pending Publication Date: 2021-07-06
CHINA CONSTRUCTION BANK
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  • Description
  • Claims
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Problems solved by technology

[0003] At present, all kinds of online credit products are developing rapidly, but there is no unified risk bottom line in the customer access stage (pre-loan risk verification), business authenticity verification and fraud detection capabilities are insufficient, and the manual verification of account managers is usually required. Many, and the machine control ability is relatively weak, which is mainly reflected in the following two aspects: (1) lack of unified

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  • Risk control method and device, computer equipment and computer readable storage medium
  • Risk control method and device, computer equipment and computer readable storage medium
  • Risk control method and device, computer equipment and computer readable storage medium

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Embodiment Construction

[0028] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention.

[0029] figure 1 The implementation process of the risk control method provided by the embodiment of the present invention is shown. For the convenience of description, only the parts related to the embodiment of the present invention are shown. The details are as follows:

[0030] Such as figure 1 As shown, the risk control method, which includes:

[0031] Step 101, based on the interception rule base embedded in the business process, conduct pre-loan risk checks on credit users;

[0032] Step 102, forming a set of credit users to be reviewed for the credit users who ...

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Abstract

The invention discloses a risk control method and device, computer equipment and a computer readable storage medium, and relates to the technical field of data analysis and mining. The method comprises the following steps: carrying out pre-loan risk check on a credit user based on an interception rule base of an embedded business process; forming a to-be-rechecked credit user set for the credit users triggering the interception rules in the interception rule base; and according to the received at least one level of rechecking instruction, performing pre-loan risk rechecking on the to-be-rechecked credit users in the to-be-rechecked credit user set, and determining a pre-loan risk checking result of the to-be-rechecked credit users. According to the invention, the interception rule base is embedded into the business process to carry out pre-loan risk check, and at least one level of recheck is carried out on the credit user triggering the interception rule to determine the pre-loan risk of the credit user, so that the pre-loan risk check of the credit user can be realized, and meanwhile, the pre-loan risk check is carried out based on the interception rule base. Intensive management of pre-loan risk check can be realized.

Description

technical field [0001] The present invention relates to the technical field of data analysis and mining, in particular to a risk control method and device, computer equipment, and a computer-readable storage medium. Background technique [0002] This section is intended to provide a background or context to embodiments of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] At present, all kinds of online credit products are developing rapidly, but there is no unified risk bottom line in the customer access stage (pre-loan risk verification), business authenticity verification and fraud detection capabilities are insufficient, and the manual verification of account managers is usually required. Many, and the machine control ability is relatively weak, which is mainly reflected in the following two aspects: (1) lack of unified pre-loan risk bottom-line technical guarantee, and no unified...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06F16/2455G06F16/2458
CPCG06F16/24564G06F16/2462G06Q40/03
Inventor 刘莎杨晓旗俞泱蓝智灵上官质纯张悦文林伟张靖蔡宇笙
Owner CHINA CONSTRUCTION BANK
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