Guarantee map construction method and device, equipment and storage medium

A construction method and map technology, applied in the field of big data, can solve problems such as the inability to guarantee the financial security of the guarantee business, the low efficiency of the manual review method, and the poor richness of the guarantee map, so as to improve the richness and reliability, ensure financial security, and enrich Determine the effect of the basis

Pending Publication Date: 2022-03-18
AGRICULTURAL BANK OF CHINA
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, with the development of the Internet and the increase in the amount of data, the efficiency of manual review is low, and the derived guarantee relationship is derived by simply identifying the participants, which will result in poor richness and low accuracy of the identified guarantee map, which cannot guarantee the guarantee business. financial security

Method used

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  • Guarantee map construction method and device, equipment and storage medium
  • Guarantee map construction method and device, equipment and storage medium
  • Guarantee map construction method and device, equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0028] figure 1 It is a flow chart of a guarantee map construction method provided in Embodiment 1 of the present application. The embodiment of the present application is applicable to the construction of a guarantee graph including derived guarantee relationships, and the method can be executed by a guarantee graph construction device, which can be implemented by software and / or hardware, and specifically configured in an electronic device.

[0029] refer to figure 1 A method for constructing a guarantee graph is shown, which specifically includes the following steps:

[0030] S110. Obtain non-guarantee business data of the guarantee participant.

[0031] Wherein, the guarantee participant can be any participant involved in the guarantee business, that is, it can be the guarantee party or the guaranteed party, and the participant can be a person or an organization (such as a company or institution). Guarantees can include personal insurance, property insurance and money g...

Embodiment 2

[0051] figure 2 It is a flow chart of a guarantee graph construction method provided in Embodiment 2 of the present application. The embodiment of the present application refines the determination operation of intimacy data on the basis of the technical solutions of the foregoing embodiments, so as to identify the derived guarantee relationship between different guarantee participants.

[0052] refer to figure 2 A method for constructing a guarantee graph is shown, which specifically includes the following steps:

[0053] S210. Obtain non-guarantee business data of the guarantee participant.

[0054] S220. Determine reference evaluation data according to the non-guarantee business data.

[0055] Wherein, the reference evaluation data may be non-guarantee business data used to evaluate the intimacy between guarantee participants. Specifically, the non-guarantee business data that can represent the intimacy between the guarantee participants is used as reference evaluation...

Embodiment 3

[0074] image 3 It is a structural diagram of a guarantee graph construction device provided in Embodiment 3 of the present application. This embodiment of the present application is applicable to the construction of a guarantee graph including derived guarantee relationships. The device can be implemented by software and / or hardware. Can be configured in electronic equipment. Such as image 3 As shown, the guarantee map construction device 300 may include: a non-guarantee business data acquisition module 310, an intimacy data determination module 320, a derivative guarantee relationship construction module 330, and a guarantee map construction module 340, wherein,

[0075] Non-guaranteed business data acquisition module 310, configured to acquire non-guaranteed business data of guarantee participants;

[0076] The intimacy data determination module 320 is configured to determine the intimacy data between different guarantee participants according to the non-guaranteed busin...

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Abstract

The embodiment of the invention discloses a guarantee map construction method and device, equipment and a storage medium. The method comprises the following steps: acquiring non-guarantee business data of guarantee participants; determining intimacy data among different guarantee participants according to the non-guarantee service data; according to the intimacy data, constructing a derivative guarantee relationship between the guarantee participants; and constructing a guarantee map comprising the derivative guarantee relationship. According to the technical scheme provided by the embodiment of the invention, the business exchange conditions among different guarantee participants can be effectively extracted from the non-guarantee business, the determination basis of the intimacy data is enriched, and the accuracy of the intimacy data is improved. According to the intimacy data, the hidden derivative guarantee relationship in the original guarantee relationship can be accurately identified. Finally, a guarantee map including the derivative guarantee relation is constructed, richness and reliability of the derivative guarantee relation are improved, and a guarantee is further provided for financial security in guarantee business.

Description

technical field [0001] The embodiment of the present application relates to the technical field of big data, and in particular to a guarantee map construction method, device, equipment and storage medium. Background technique [0002] There is a wide range of implied derivative guarantee relationships in the guarantee business, thus forming special interest groups in the form of guarantee circles. When a party in the guarantee circle has a credit problem, other participants in the entire guarantee circle will be affected. Therefore, it is particularly important to accurately construct a guarantee map, including derivative guarantee relationships, to improve financial security. [0003] In the existing technology, the derivative guarantee relationship is generally identified through manual review. According to the application information submitted by the guaranteed party in the guarantee business, other guarantee participants related to the guaranteed party are artificially ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 王兆强刘一阳郭咏持赵博汉武兴叶
Owner AGRICULTURAL BANK OF CHINA
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