Risk control model parameter analysis method based on secure multi-party computing and application thereof
A technology for secure multi-party calculation and model parameters, which is applied in the field of risk control model parameter analysis based on secure multi-party calculation, and can solve problems such as unfavorable applications, risk control model parameter analysis and evaluation, affecting the smooth development of bank credit business, etc., to ensure smooth development. , to ensure the effect of accuracy
Pending Publication Date: 2021-10-12
杭州煋辰数智科技有限公司
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Problems solved by technology
[0003] In the prior art, the evaluation of the risk coefficient of bank customers in the credit industry is mostly simply to obtain the customer's credit ability and risk by investigating the customer's past behavior, and it is impossible to analyze and evaluate the parameters of the risk control model from multiple parties, resulting in The evaluation of the risk coefficient of bank customers in the industry is not accurate enough, which seriously affects the smooth development of bank credit business, which is not conducive to practical application
Method used
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[0039] A method for analyzing parameters of a risk control model based on secure multi-party computing, comprising the following steps:
[0040] S1. Obtain the customer data of designated bank customers through market research, and obtain their historical credit default data and non-default data;
[0041] S2. Obtain the historical loan information of designated bank customers through network nodes, thereby obtaining the historical loan contacts of designated bank customers and their loan duration, and then use the risk control model to perform data calculations to obtain the designated bank customer's network resource capabilities and regular repayments ability;
[0042] S3. Sorting and analyzing the network resource capabilities and regular repayment capabilities of the designated bank customers obtained in step S2;
[0043] S4. Using a computer server to create a special database for temporarily designated bank customers, which is used to store the data of designated bank c...
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The invention discloses a risk control model parameter analysis method based on security multi-party computing and application thereof, and the method comprises the following steps: obtaining customer data of a specified bank customer through market investigation, and obtaining historical credit default data and non-default data of the specified bank customer; acquiring historical loan information of the specified bank client through a network node, thereby acquiring historical loan contacts of the specified bank client and loan duration of the historical loan contacts, acquiring the credit default and credit non-default data of the client through the market research mode, and acquiring the historical loan information of the client through the network node. Meanwhile, the risk control model is established to carry out parameter analysis, the contact resource capability and the regular repayment capability of the customer are calculated, and time interval data are integrated, so that multi-azimuth risk control model parameter analysis can be accurately completed, the accuracy of risk coefficient assessment is further ensured, smooth development of bank credit business is also ensured, and practical application is facilitated.
Description
technical field [0001] The invention belongs to the field of wind control model parameter analysis, and specifically relates to a wind control model parameter analysis method based on secure multi-party calculation and its application. Background technique [0002] In existing life, credit refers to the form of value movement based on repayment and interest payment, usually including credit activities such as bank deposits and loans. In a narrow sense, it only refers to bank loans. In a broad sense, it is the same as credit. An important form of mobilizing and distributing funds is a powerful lever for economic development. Credit is a lending behavior between different owners that reflects a certain economic relationship. It is a special form of value movement that is conditioned on repayment. Credit activities that repay on schedule and pay certain interest. Credit can be divided into broad and narrow senses. Credit in the broad sense refers to the general term for credit...
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Patent Timeline
Login to View More IPC IPC(8): G06Q40/02G06F16/21G06F16/22G06F16/24G06F16/28G06K9/62
CPCG06F16/21G06F16/2255G06F16/24G06F16/285G06Q40/03G06F18/214G06F18/24
Inventor 顾冉叶薇薇
Owner 杭州煋辰数智科技有限公司