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

Early warning method and system based on economic value and risk prediction

A technology for economic value and risk prediction, applied in instruments, character and pattern recognition, finance, etc., can solve problems such as unfavorable, comprehensive income and customer service, so as to improve accuracy, improve overall value and bank profits, and reduce errors The effect of rejecting losses

Pending Publication Date: 2022-04-08
SICHUAN XW BANK CO LTD
View PDF0 Cites 1 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the existing risk early warning method is only based on the customer's credit risk rating, early warning for high-risk customers, and no early warning for low-to-medium risk and low-value customers, which is not conducive to improving comprehensive income and customer service

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
  • Early warning method and system based on economic value and risk prediction
  • Early warning method and system based on economic value and risk prediction
  • Early warning method and system based on economic value and risk prediction

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0044] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only It is a part of the embodiments of this application, not all of them. The components of the embodiments of the application generally described and illustrated in the figures herein may be arranged and designed in a variety of different configurations. Accordingly, the following detailed description of the embodiments of the application provided in the accompanying drawings is not intended to limit the scope of the claimed application, but merely represents selected embodiments of the application. Based on the embodiments of the present application, all other embodiments obtained by those skilled in the art without...

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 discloses an early warning method and system based on economic value and risk prediction, and belongs to the technical field of data early warning. The method comprises the following steps: 1, obtaining economic value information, basic information and risk information of a customer; 2, the economic value information, the basic information and the risk information of the customer are preprocessed; 3, inputting the preprocessed basic information and risk information data into a risk prediction model to obtain default probability data of the customer; 4, inputting the preprocessed economic value information into an economic value model to obtain economic value data of the customer; 5, inputting the default probability data and the economic value data of the customer into an early warning model, and outputting an early warning level and an operation measure by the early warning model; and 6, carrying out iteration on the early warning model according to set time. According to the invention, the economic value and risk prediction of the customer are comprehensively judged, the mistaken rejection loss of middle and low risk customers is reduced, and the accuracy of customer management and early warning is improved.

Description

technical field [0001] The invention belongs to the technical field of data early warning, and in particular relates to an early warning method and system based on economic value and risk prediction. Background technique [0002] With the rapid development of the financial industry and the advancement of technology, various financial institutions use artificial intelligence and other technologies to further enhance their comprehensive service capabilities for inclusive customers, enhance their credit risk management capabilities, improve customer experience, and promote the healthy and sound development of the industry. [0003] Existing technical solutions mainly provide early warning through risk prediction for customers. The main implementation method is based on customer ratings given by relevant models (expert scoring models, credit scoring models, machine learning models), and early warnings for customers with low ratings and high default rates. However, the existing ...

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): G06K9/62G06Q40/02
Inventor 张岚吴钊苑晓君
Owner SICHUAN XW BANK 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