Comprehensive risk assessment method and device
A comprehensive risk and risk assessment technology, applied in the field of comprehensive risk assessment methods and devices, can solve problems such as high pressure and difficulty in giving users financial risk analysis results, and achieve the effect of preventing transaction risks and optimizing financial risk levels
Pending Publication Date: 2022-04-05
上海数禾信息科技有限公司
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[0004] In the risk control of transactions, the existing technology often hopes to give safe and reliable risk analysis results as much as possible through a machine learning model, but this approach puts a lot of pressure on the training of the machine learning model and requires multi-dimensional A large amount of user data, and in the training process of the machine learning model, it is difficult to give a comprehensive and accurate user financial risk analysis result with multi-dimensional features
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[0063] In order to make the purpose, technical solutions and advantages of the embodiments of the present disclosure clearer, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the drawings in the embodiments of the present disclosure. Obviously, the described embodiments It is only a part of the embodiments of the present disclosure, but not all the embodiments. Based on the embodiments in the present disclosure, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present disclosure.
[0064] The terms "first", "second", "third", "fourth", etc. (if any) in the description and claims of the present disclosure and the above drawings are used to distinguish similar objects and not necessarily Describe a specific order or sequence. It is to be understood that the data so used are interchangeable under approp...
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The invention provides a comprehensive risk assessment method and device, and the method comprises the steps: obtaining a comprehensive risk parameter based on pre-obtained user data and a plurality of pre-obtained risk assessment reference values; on the basis of the comprehensive risk parameters and pre-acquired conventional variable parameters, comprehensive financial risks of the target user are acquired through a pre-constructed comprehensive risk assessment model, and the comprehensive risk assessment model is constructed based on a neural network and is used for acquiring the comprehensive financial risks of the target user; the plurality of risk assessment reference values comprise at least one of user repayment positive degree, multi-head risk scores and user behavior scores. According to the comprehensive risk assessment method disclosed by the invention, financial risk prediction can be carried out on financial users from multiple angles, transaction risks are prevented, and the financial risk level of the whole user group is optimized.
Description
technical field [0001] The present disclosure relates to the field of computer technology, in particular to a comprehensive risk assessment method and device. Background technique [0002] Users' financial risks are divided into multiple aspects. For example, some financial service companies currently use big data analysis of users' personal information to give early warning of users' financial risks; [0003] Some financial service companies track and analyze the user's loan repayment situation to determine the user's financial risk; some financial service companies monitor the user's personal characteristics to monitor the user's financial risk after a period of time. Do analysis and more. [0004] In the risk control of transactions, the existing technology often hopes to give safe and reliable risk analysis results as much as possible through a machine learning model, but this approach puts a lot of pressure on the training of the machine learning model and requires mul...
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IPC IPC(8): G06Q40/08G06Q10/06G06N3/04G06N3/08
Inventor 乾春涛
Owner 上海数禾信息科技有限公司