Intelligent risk control management system based on big data and method thereof

Abstract

The invention discloses an intelligent risk control management system based on big data and a method thereof, and the system comprises a front-end access system which comprises a background management system access module, an official website access module, a terminal access module, and a third recommendation access module; a big data risk control system which comprises a data acquisition module, a risk control engine module, a model training module and a credit evaluation module; and a loan business system which comprises a risk control management module; and the method specifically comprises the following steps: logging in the risk control management system, collecting user information through the data collection module, carrying out data preprocessing, proposing a loan application to a credit institution, and checking whether the collected user information meets the standard, meets loan, does not meet the standard and is rejected by the credit institution. The method is high in overall auditing speed, comprehensive in data auditing and high in risk pre-judgment accuracy, the risk of a risk control management system is effectively reduced, the scoring requirements in different credit and loan scenes can be met, and multiple links such as application scoring, loan pricing, loan approval and post-loan supervision can be achieved.

Description

technical field [0001] The invention relates to the technical field of credit systems, in particular to an intelligent risk control management system and method based on big data. Background technique [0002] Internet finance is a new financial business model in which traditional financial institutions and Internet companies use Internet technology and information communication technology to realize financial integration, payment, investment and information intermediary services. The deep integration of the Internet and finance is the general trend and will have a more profound impact on financial products, businesses, organizations and services. Internet finance has played a positive role in promoting the development of small and micro enterprises and expanding employment that cannot be replaced by existing financial institutions, and has opened the door for mass entrepreneurship and innovation. The risk control management system is a comprehensive consumer loan with an i...

AI Technical Summary

Problems solved by technology

Therefore, an object of the present invention is to propose an intelligent risk control management system and method based on big data, which solves problems such as high cost of manpower and material resources, malicious behavior of defrauding loans, and easy errors in human auditing.

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