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Risk cause identification method and device and storage medium

A risk and cause technology, applied in the field of big data, can solve problems such as complex and changeable relationships between customers

Pending Publication Date: 2021-09-14
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, in the actual application scenario, the characteristics of customers and the relationship between customers are complex and changeable. How to better analyze the causes of risks has become an urgent technical problem in this field.

Method used

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  • Risk cause identification method and device and storage medium
  • Risk cause identification method and device and storage medium
  • Risk cause identification method and device and storage medium

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Embodiment Construction

[0014] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification Obviously, the described embodiments are only some of the embodiments in the description, not all of them. Based on one or more embodiments in the description, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts shall fall within the protection scope of the embodiments of the description.

[0015] In a scenario example provided in this specification, the risk cause identification method may be applied to a single server or a server cluster composed of multiple servers. Such as Figure 1 to Figure 2 As shown, the method for identifying risk causes may at least include two links: risk pattern recognition and risk...

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Abstract

The embodiment of the invention relates to the technical field of big data, and particularly discloses a risk cause identification method and device and a storage medium, and the method comprises the steps: obtaining a specified risk control object set corresponding to a specified risk level; combining risk control objects of which object labels meet a label consistency requirement in the specified risk control object set to a node, and determining edges among the nodes based on a relationship among the risk control objects in the specified risk control object set to obtain a specified risk relationship graph corresponding to the specified risk level; based on an edge importance factor and a node feature importance factor, screening an edge or a node of which the importance meets a specified importance requirement from the specified risk relation graph, and constructing a risk mode recognition graph corresponding to the specified risk level, so as to perform risk cause recognition of the risk control object based on the risk mode recognition graph, and further improving the accuracy of risk cause identification.

Description

technical field [0001] This specification relates to the field of big data technology, in particular, to a method, device and storage medium for identifying risk causes. Background technique [0002] Identification of customer risk levels is an important part of risk management. Linking the relationship between customers and customers in the form of a graph, and using the graph neural network model to realize risk level identification, will be able to make full use of customer related information and obtain better customer risk level identification results. However, in the actual application scenario, the characteristics of customers and the relationship between customers are complex and changeable. How to better analyze the causes of risks has become an urgent technical problem in this field. Contents of the invention [0003] The purpose of the embodiments of this specification is to provide a risk cause identification method, device and storage medium, which can identi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q10/04G06K9/62G06N3/04
CPCG06Q10/0635G06Q10/0639G06Q10/04G06N3/04G06F18/241
Inventor 李瑾瑜张宝华徐祎丁凯文
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA