Risk assessment method and device for controlling cargo loan

Abstract

The invention provides a risk assessment method and device for controlling cargo loan, and the method comprises the steps: obtaining risk control data related to a to-be-assessed cargo in response to a cargo control loan request initiated by a borrower based on the to-be-assessed cargo; wherein the risk control data at least comprises industry sales data of the to-be-evaluated goods; the industry sales data comprises prices and sales volumes of the to-be-evaluated goods in different historical periods, and prices and sales volumes of other goods having the same industry as the to-be-evaluated goods in different historical periods; executing a first-class risk control strategy related to the industry sales data of the to-be-evaluated goods to obtain a corresponding first-class strategy execution result; taking the obtained strategy execution result as input data, inputting the input data into a trained risk quantification model for calculation, and obtaining a risk assessment score for the to-be-assessed cargo; and determining a risk assessment result corresponding to the risk assessment score.

Description

technical field [0001] The present application relates to the technical field of risk control, in particular to a risk assessment method and device for controlling goods loans. Background technique [0002] Controlled goods loan is a way for borrowers to apply for loans from lending institutions based on inventory-type current assets. By controlling the loan of goods, it can help each enterprise in the supply chain revitalize the current assets of inventory, reasonably expand the scale of financing, and improve the flexibility of financing; at the same time, it raises the requirements for the risk control ability of lending institutions. [0003] Specifically, the controlled cargo loan may generally include cargo pressing business and proxy procurement business. For example, in the cargo pressure business, the borrower can use the goods stored in the warehouse as collateral to initiate a loan request to the lending institution; Carry out a comprehensive review and evaluati...

AI Technical Summary

Problems solved by technology

[0004] In related technologies, lending institutions usually use offline review methods to evaluate the value of the inventory-type current assets. The review period is long and the process is complicated, which makes it difficult for lending institutions to evaluate the actual value of goods in a timely and accurate manner. Control the cargo loan business to achieve precise access and risk control

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