Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Financial individual loan risk assessment method and device, storage medium and equipment

A technology of risk assessment and risk assessment model, which is applied in the field of financial personal loan risk assessment, can solve the problems of inability to guarantee data copyright user data privacy, inability to multi-party data federated learning, inability to break data islands, etc., to improve approval efficiency and reduce bad debts efficiency and the effect of ensuring user privacy

Pending Publication Date: 2022-04-01
GRG BAKING EQUIP CO LTD
View PDF0 Cites 2 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] 1) The current loan risk assessment algorithm (as mentioned in the literature Liao Wenxiong et al. "Personal credit risk assessment method for high-dimensional data" ("Computer Engineering and Application", 2020, 56(04): 219-224) The evaluation algorithm based on XGBoost) is mostly a centralized learning algorithm, which cannot break the data island, and cannot combine multi-party data for federated learning. As a result, the performance of the personal loan risk evaluation model learned by each financial institution based on its own data is still low. Room for improvement
That is, the current association rule analysis algorithm is a single-point analysis, which cannot combine data from different regions for joint knowledge learning, resulting in the knowledge learned in some regions that lack data is too simple
[0005] 2) At the same time, the current centralized association rule analysis algorithm has high requirements on computer resources. The centralized algorithm requires all user data from multiple parties to be transmitted to the centralized server before learning can be performed. Under the general trend of data rights confirmation, there is no guarantee Data copyright of the parties and data privacy of the user

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Financial individual loan risk assessment method and device, storage medium and equipment
  • Financial individual loan risk assessment method and device, storage medium and equipment
  • Financial individual loan risk assessment method and device, storage medium and equipment

Examples

Experimental program
Comparison scheme
Effect test

no. 1 example

[0044] A risk assessment method for financial personal loans based on federated learning, see figure 1 , methods include:

[0045] S1. Collect data from all parties to participate in risk assessment tasks;

[0046] S2. Building a personal loan risk assessment model: Based on the data of all parties, the federated decision tree is obtained through the SecureBoost federated learning algorithm, and the federated decision tree is trained as a personal loan risk assessment model;

[0047] S3. Risk assessment: the user applies for a personal loan, enters the user information into the personal loan risk assessment model, and performs risk assessment;

[0048] S4. Output the risk level, classify the users through the personal loan risk assessment model, and output the decision report as the risk assessment result as the basis for the loan risk assessment.

[0049] Among them, the construction method of the personal loan risk assessment model in step S2. SecureBoost is an improved lon...

no. 2 example

[0081] A risk assessment device for financial personal loans based on federated learning, the device includes:

[0082] The data processing module is used to obtain common samples owned by each passive party, align data based on the SecureBoost algorithm, and perform homomorphic encryption on the data;

[0083] The risk assessment module builds a decision tree based on common samples as a personal loan risk assessment model, and when receiving a user request for a financial personal loan, enters the user data for iterative calculation, and obtains the classification label as the risk assessment result;

[0084] The output module is used to obtain the risk assessment results of the risk assessment module and the manual assessment conclusions of the assessment experts, and generate corresponding lending decision suggestions based on the risk assessment results and / or the assessment conclusions of the assessment experts.

[0085] Using the risk assessment principle of the device,...

no. 3 example

[0087] A computer-readable storage medium, on which a financial personal loan risk assessment instruction is stored, wherein when the financial personal loan risk assessment instruction is executed by a processor, the financial personal loan risk assessment method of the first embodiment is executed A step of. Among them, for the evaluation method, please refer to the detailed introduction in the previous section, and will not repeat it here.

[0088]Those of ordinary skill in the art can understand that all or part of the steps in the various methods of the above-mentioned embodiments can be completed by instructing related hardware through a program, and the program can be stored in a computer-readable storage medium, and the computer-readable medium includes permanent Both non-permanent and non-permanent, removable and non-removable media can be implemented by any method or technology for information storage. Information may be computer readable instructions, data structur...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention provides a financial individual loan risk assessment method and device, a storage medium and equipment, and belongs to the field of risk assessment in artificial intelligence, and the method comprises the steps: collecting data of all parties, constructing an individual loan risk assessment model, carrying out risk assessment, outputting a risk level, classifying users through the individual loan risk assessment model, and carrying out the risk assessment. Outputting a decision report as a risk assessment result as a lending risk assessment basis; according to the method, personal loan risk assessment is carried out by using a federation learning technology based on multi-party data, so that the personal loan bad debt rate is reduced and the personal loan approval efficiency is improved on the premise of ensuring data security and user privacy.

Description

technical field [0001] The invention belongs to the field of risk assessment in artificial intelligence, and in particular relates to a financial personal loan risk assessment method, device, storage medium and equipment. Background technique [0002] The statements in this section merely provide background technical information related to the present invention and do not necessarily constitute prior art or prior art. [0003] The current financial industry is developed, and the risk assessment before the loan is particularly important. At present, the risk assessment is mostly calculated manually. With the development of artificial intelligence, the intelligent loan risk assessment based on the learning algorithm is gradually emerging. However, the following problems still exist. [0004] 1) The current loan risk assessment algorithm (as mentioned in the literature Liao Wenxiong et al. "Personal credit risk assessment method for high-dimensional data" ("Computer Engineering...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06K9/62G06F21/62G06F21/60
Inventor 梁天恺
Owner GRG BAKING EQUIP CO LTD
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com