Credit risk assessment method and device and computer readable storage medium
A technology of risk assessment and risk assessment model, applied in the field of credit risk assessment methods, devices and computer-readable storage media, can solve the problems that affect financial institutions' credit granting to merchants, inaccurate risk assessment results, credit risk assessment, etc. The effect of value, flexible calculation, and accurate calculation results
Pending Publication Date: 2022-05-17
UNIONPAY SMART INFORMATION SERVICES SHANGHAI
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Problems solved by technology
[0004] However, when the existing technology evaluates the credit risk of various industrial and commercial entities such as small and micro merchants, it cannot evaluate their credit risk based on all the transaction information of the merchants, resulting in inaccurate risk assessment results and affecting the credit of financial institutions to merchants
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Embodiment Construction
[0025] As mentioned in the background technology, due to the characteristics of small and micro merchants with low entry threshold and many transaction channels, various financial institutions have incomplete transaction data on various industrial and commercial entities such as small and micro merchants, which has led to various financial institutions granting credit to merchants. At that time, credit risk assessment can only be performed based on part of the transaction data it owns, and it cannot be assessed based on all the transaction information of the merchant, resulting in inaccurate risk assessment results and affecting the credit granting of financial institutions to merchants.
[0026] In the embodiment of the present invention, the first self-owned data of multiple objects are matched and combined with external data to obtain the second self-owned data of each object. By merging the first self-owned data with external data, the The defects of incomplete transaction ...
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The invention discloses a credit risk assessment method and apparatus, and a computer readable storage medium. The credit risk assessment method comprises the steps of obtaining first own data of a plurality of objects; performing data matching on the first own data of each object and external data, and merging the first own data and the external data matched with the identifiers of the objects to obtain second own data of each object; and comparing the second own data of each object with the industrial and commercial data, and updating the identifier of the object in the second own data to obtain third own data of each object, the third own data of each object being used for evaluating the risk score of the object. By using the technical scheme, accurate evaluation of credit risks of various industrial and commercial entities such as small and micro merchants can be realized.
Description
technical field [0001] The present invention relates to the technical field of risk assessment, and more specifically, to a credit risk assessment method, device and computer-readable storage medium. Background technique [0002] As the economy continues to develop, more and more people are engaged in physical industries. Small and micro merchants refer to physical merchants who are exempted from going through industrial and commercial registration, accept UnionPay cards as agreed and entrust acquirers to complete transaction fund settlement for them, such as merchants in professional wholesale markets such as clothing and agricultural products, and temporary stalls in urban morning and night markets . Due to the characteristics of low entry barriers and multiple transaction channels, the transaction data of various financial institutions on various industrial and commercial entities such as small and micro merchants is incomplete. As a result, when financial institutions g...
Claims
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Patent Timeline
Login to View More IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/0635G06Q10/06393G06Q40/03
Inventor 葛新蕾杨可歆方佳盈桑小朵
Owner UNIONPAY SMART INFORMATION SERVICES SHANGHAI