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Method and device for irregularly or dynamically reestimating value of pledge, electronic equipment and medium

A collateral and value technology, applied in the field of dynamic revaluation of collateral value, can solve the problems of collateral value not covering loan principal and interest, low repayment rate, inability to adjust collateral value, etc., to improve data processing speed and risk response capability , the effect of reducing the complexity and the amount of calculation

Pending Publication Date: 2021-11-05
工银科技有限公司 +1
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  • Abstract
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  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The existing collateral valuation management method cannot dynamically adjust the collateral value in a timely manner according to market changes, and also lacks an evaluation mechanism for dynamically monitoring changes in the collateral value and revaluing the value of the collateral irregularly, so that when the value of the collateral declines, it cannot Recognition, failure to dispose of it in time, resulting in the value of the collateral not being able to cover the principal and interest of the loan, so that it seems that there is sufficient guarantee and collateral when the loan is issued, but the repayment rate is very low when it is actually disposed of

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  • Method and device for irregularly or dynamically reestimating value of pledge, electronic equipment and medium
  • Method and device for irregularly or dynamically reestimating value of pledge, electronic equipment and medium
  • Method and device for irregularly or dynamically reestimating value of pledge, electronic equipment and medium

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Embodiment Construction

[0033] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood, however, that these descriptions are merely exemplary, and not to limit the scope of the disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth to provide a thorough understanding of the embodiments of the present disclosure. However, clearly, one or more embodiments may be practiced without these specific details. Further, in the following description, a description of the well-known structure and techniques is omitted to avoid unnecessarily obscuring the concepts of the present disclosure.

[0034] The terminology used herein is merely to describe specific embodiments, and is not intended to limit the disclosure. As used herein, the term "comprising", "including" and the like indicates that the stated features, integers, steps, operations and / or components, but do not p...

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Abstract

The invention provides a method and a device for irregularly and dynamically reestimating value of a pledge, electronic equipment and a medium. The method and device for irregularly and dynamically reestimating the value of the pledge can be applied to the financial field or the technical fields of big data and artificial intelligence. The method and the device for irregularly and dynamically re-estimating the value of the pledge can be used for irregularly and dynamically re-estimating the value of the pledge or the pledge in the financial field, and are used for preventing credit risks. The method comprises the following steps: classifying to-be-monitored pledges according to a preset prison product management method; configuring a pledge value re-estimation parameter based on the pledge value change risk type; carrying out value risk monitoring on the to-be-monitored pledges; based on a set risk triggering mechanism, judging whether the to-be-monitored pledges meet risk triggering conditions or not; and carrying out irregular dynamic re-estimation on the value of the to-be-monitored pledges meeting the risk triggering conditions. The invention further provides a method for dynamically reestimating the value of the pledge on the basis of irregular and dynamical reestimating of the values of the pledges.

Description

Technical field [0001] The present disclosure relates to large data, artificial intelligence technology, and more particularly, to a dynamic value collateral revaluation method, apparatus, medium, and an electronic device. Background technique [0002] Collateral is the second source of repayment of the credit business. Currently in loans of commercial banks, 60 percent have collateral or collateral and reasonable collateral valuation has diluted the role of customer credit risk. Collateral management is a dynamic management process. Existing collateral management, often using external professional valuer to make valuation as collateral. A typical collateral management include: (1) the valuation results of the first use of an external evaluation of institutions, from time to time in the future (such as the annual, quarterly) regularly collateral value revaluation; (2) in the first use of an external results of the valuation assessment agencies, external evaluation of the results ...

Claims

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Application Information

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IPC IPC(8): G06Q30/02G06Q40/02
CPCG06Q30/0278G06Q40/03
Inventor 安心怡王建辉张雪王晶
Owner 工银科技有限公司
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