User risk assessment method and device, electronic equipment and storage medium

Abstract

The invention provides a user risk assessment method and device, electronic equipment and a storage medium. In the user risk assessment method, user data of a to-be-assessed user is firstly obtained, and the user data at least comprises user attributes, relation information and transaction information. And inputting the user attributes and the relationship information into a knowledge extraction unit to obtain user knowledge features. And inputting the transaction information into a first linear mapping unit to obtain user transaction characteristics. Inputting the user knowledge features and the user transaction features into a dynamic fusion unit to obtain fusion features; and finally, inputting the fusion feature into a second linear mapping unit to obtain the risk level of the user to be evaluated. The problems that in the prior art, the risk assessment effect of the user is poor, the risk of the user cannot be accurately assessed, and the risk of financial services of financial institutions such as banks is increased are solved.

Description

technical field [0001] The present application relates to the field of financial technology, and in particular, to a user risk assessment method, device, electronic device and storage medium. Background technique [0002] For financial institutions, the risk assessment of customers is very important. All customers have certain risks, especially improper financial behaviors, which need to be effectively identified. Otherwise, not only will the customer’s institution face economic losses, but also the financial order will be disrupted. Endanger financial stability, and even endanger social stability. [0003] In the prior art, when performing risk assessment on customers, only discrete customer characteristic values ​​are usually calculated, and characteristics of different natures are not distinguished, resulting in poor risk assessment effect for users and inability to accurately assess user risks , increasing the risk of financial business of banks and other financial inst...

AI Technical Summary

Problems solved by technology

[0004] In view of this, the present application provides a user risk assessment method, device, electronic equipment and storage medium to solve the problem that in the prior art, only discrete customer characteristic values ​​are usually calculated, and different characteristics are not distinguished, causing users The risk assessment effect of the system is poor, and the user's risk cannot be accurately assessed, which increases the risk of the financial business of banks and other financial institutions

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