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Risk portrait generation method and device, terminal and storage medium

A risk and portrait technology, applied in the field of data analysis and mining, can solve the problem of low accuracy of risk portrait and achieve the effect of improving accuracy and reliability

Pending Publication Date: 2022-04-12
杭州一谷科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] The main purpose of this application is to provide a risk profile generation method, device, terminal and storage medium to solve the problem of low accuracy in determining the customer's risk profile in related technologies

Method used

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  • Risk portrait generation method and device, terminal and storage medium
  • Risk portrait generation method and device, terminal and storage medium
  • Risk portrait generation method and device, terminal and storage medium

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Embodiment Construction

[0042] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is only some embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0043] The terms "first", "second", "third", "fourth", etc. (if any) in the description and claims of the present invention 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 appropriate circumstances ...

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Abstract

The invention discloses a risk portrait generation method and device, a terminal and a storage medium. The method comprises the steps of determining industry risk tag data; based on the basic business information of the customer, determining a basic relationship network atlas of the customer; determining a business risk relation network atlas based on the industry risk label data and the basic relation network atlas; and generating a risk portrait of the customer based on the business risk relation network map. By acquiring the real-time basic business information of the customer and the industry risk label data, the customer risk portrait can be updated by efficiently utilizing the feedback of the new risk event in the network, the new risk identification of the customer is very sensitive, and the accuracy and the reliability of the risk portrait are improved.

Description

technical field [0001] The present application relates to the technical field of data analysis and mining, and in particular, to a method, device, terminal and storage medium for generating a risk profile. Background technique [0002] Customer qualification assessment is an important link in financial business. It is necessary to determine the risk profile of the customer, which includes the risk assessment results corresponding to the customer and the risk assessment results corresponding to the group the customer belongs to, so as to ensure the comprehensiveness and effectiveness of the customer qualification assessment . Therefore, how to obtain an effective customer risk profile has become an urgent problem to be solved. [0003] At present, when assessing the qualifications of customers, the quantitative assessment of customer qualifications is generally carried out by establishing score cards, that is, through the historical information of existing customers, such as...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06N3/08
Inventor 林海杰
Owner 杭州一谷科技有限公司