Business risk assessment method and device, computer equipment and storage medium
A risk assessment and business technology, applied in the computer field, can solve problems such as risk assessment errors, and achieve the effect of improving accuracy
Pending Publication Date: 2021-12-03
SHENZHEN TAIHAI NETWORK TECH SERVICE CO LTD
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Problems solved by technology
[0004] However, relying solely on credit data to apply may easily lead to large errors in risk assessment results.
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[0060] In order to make the purpose, technical solutions and advantages of the present application more clearly understood, the present application will be described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application, but not to limit the present application.
[0061] The business risk assessment method in the logistics business provided by this application can be applied to such as figure 1in the application environment shown. The terminal 102 communicates with the server 104 through the network through the network. When a risk assessment operation in the logistics business needs to be performed, the terminal 102 can submit a business risk assessment request in the logistics business to the server 104, and the server 104 obtains the business risk assessment request in the logistics business; and extracts the requester ident...
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The invention relates to a business risk assessment method and device in logistics business, computer equipment and a storage medium. The method comprises: obtaining a business risk assessment request in a logistics business; extracting requester identity information carried by the business risk assessment request; searching credit investigation data and logistics business data corresponding to the identity information of the requester; and inputting the credit investigation data and the logistics business data into a preset risk assessment model to obtain a business risk assessment result. According to the invention, the application score card model constructed based on the historical logistics mailing data obtains the logistics mailing data variable, and then the logistics business data variable is fused to construct the credit investigation score card model; and then, based on the credit investigation score card model and credit investigation data and logistics business data corresponding to the requester identity information of the business risk assessment request in the logistics business, corresponding assessment is performed on the business risk assessment request, so that the accuracy of risk assessment can be effectively improved.
Description
Technical field 1 [0001] The present application relates to the field of computer technology, and in particular, to a business risk assessment method, apparatus, computer equipment and storage medium in logistics business. Background technique [0002] With the development of network technology and big data technology, personal credit scoring technology has emerged. Personal credit score refers to the quantitative analysis of consumers' personal credit information by credit evaluation agencies using the credit scorecard model, which is expressed in the form of scores. By using scientific and rigorous analytical methods and comprehensively examining the internal and external subjective and objective environments that affect individuals and their families, personal credit scores can comprehensively judge and evaluate their ability to fulfill various economic commitments. [0003] At present, for the personal credit risk assessment of applicants related to the logistics indust...
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IPC IPC(8): G06Q10/06G06Q10/08G06Q30/06G06Q40/02G06K9/62
CPCG06Q10/0635G06Q10/0838G06Q30/0609G06Q40/03G06F18/214
Inventor 秦鹏飞彭利荣匡荣杰
Owner SHENZHEN TAIHAI NETWORK TECH SERVICE CO LTD