User risk assessment method and system for front-end code development system

Abstract

A customer risk assessment method for a front-end code development system comprises the steps that customer information accessing the front-end code development system is acquired, and the customer information at least comprises the customer establishment period, the customer reconciliation period and the customer payment period; obtaining an overall credit score of the customer based on the customer information; sending the customer information to a plurality of professional field experts, and respectively obtaining scores of each professional field of the customer; based on the total credit score and the score of each professional field, obtaining a customer risk level; and taking corresponding risk control measures for execution based on the customer risk level. Innovation and application of a front-end development technology are promoted, and technical exploration and innovation practice are encouraged to be carried out on the premise of safety guarantee. Accurate risk assessment information is provided for enterprise decision makers, and the enterprise decision makers are helped to make more intelligent business and technical decisions.

Description

Technical Field

[0001] The present invention relates to the field of computer application technology, and in particular to a risk assessment method and system for a front-end code development system. Background Art

[0002] With the acceleration of digital transformation, front-end code development systems have become a key part of enterprise technology architecture. However, existing systems have limitations in customer risk assessment, especially in risk assessment of potential customers and management of multi-party role assessment processes. These problems may expose enterprises to credit and operational risks, affecting the accuracy and security of business decisions.

[0003] The prior art proposes a risk assessment method and device, which mainly targets the front-end code development system, determines the customer's risk level through image identity recognition and emotion recognition technology, and determines the list label based on the customer's backtracking report and credit score report, thereby allowing whitelisted customers to create application projects and configure business codes through the front-end code development system. However, the prior art lacks the participation of multiple roles in the evaluation process, and lacks credit assessment and risk assessment of potential customers. Therefore, there is an urgent need for a more comprehensive customer risk assessment method that allows multiple roles to participate in the evaluation process to achieve more accurate risk management. Summary of the invention

[0004] In view of the above problems, the present invention is proposed to provide a user risk assessment method and system for a front-end code development system that overcomes the above problems or at least partially solves the above problems.

[0005] In order to solve the above technical problems, the embodiments of the present application disclose the following technical solutions:

[0006] In a first aspect, an embodiment of the present invention discloses a method for assessing customer risk for a front-end code development system, comprising:

[0007] S100. Obtaining customer information for accessing the front-end code development system, the customer information at least including the customer's establishment years, customer reconciliation cycle, and customer payment cycle;

[0008] S200. Based on the customer information, obtain the customer's overall credit score;

[0009] S300. Send the customer information to multiple professional experts to obtain scores for each professional field of the customer;

[0010] S400. Based on the overall credit score and the scores of each professional field, obtain the customer risk level;

[0011] S500. Based on the customer risk level, take corresponding risk control measures.

[0012] Furthermore, in S100, customer information for accessing the front-end code development system is obtained, and the specific method includes: storing the customer information in the back-end database in advance, and then designing a set of API interfaces on the back-end, wherein the interfaces allow the front-end system to securely request customer information; the API interfaces support identity authentication and authorization to ensure that only legitimate customers can access the customer information; on the front end, use the HTTP client library to call the back-end API and request customer information.

[0013] Further, in S200, based on the customer information, the customer's overall credit score is obtained, and the specific method includes: weighting the customer information, assigning a weight to the customer's years of establishment, customer reconciliation cycle and customer collection cycle respectively; then standardizing the customer's years of establishment, customer reconciliation cycle and customer collection cycle; finally, using the weighted summation method to calculate the overall credit score; the overall credit score calculation formula is: overall credit score = (years of establishment score * year of establishment weight) + (reconciliation cycle score * reconciliation cycle weight) + (collection cycle score * collection cycle weight).

[0014] Furthermore, in S300, the customer information is sent to experts in multiple professional fields, and scores for each professional field of the customer are obtained respectively; the multiple professional fields include at least finance, law and business, the financial expert evaluates the financial health of the customer, the legal department evaluates the customer's contract performance history, and the business department evaluates based on market conditions and customer business potential, and obtains the customer's financial professional score, legal professional score and business professional score respectively.

[0015] Furthermore, in S400, based on the overall credit score and the scores of each professional field, the customer risk level is obtained, and the specific method includes:

[0016] Define professional field scores, where the professional field scores at least include financial professional scores, legal professional scores, and business professional scores;

[0017] Standardizing professional field scores, standardizing the financial professional scores, legal professional scores and business professional scores to the same scale;

[0018] Assign weights to the professional field scores and the overall credit score. Assign weights to the overall credit score and the scores of each professional field based on business needs and experience. The weight assignment should reflect the importance of each factor in assessing the customer's risk level;

[0019] Calculate the comprehensive risk score, using a weighted summation method to combine the overall credit score and the scores of each professional field to calculate a comprehensive risk score;

[0020] The comprehensive risk score is compared with a preset risk level threshold to obtain the customer risk level.

[0021] Furthermore, after obtaining the customer risk level, a customer risk report will also be obtained; the customer risk report at least includes customer profile, overall credit assessment, professional field risk assessment, comprehensive risk analysis and risk mitigation suggestions; among which:

[0022] The customer profile includes the basic information of the customer, including at least the customer's establishment years, customer reconciliation cycle and customer payment collection cycle;

[0023] Overall credit assessment, the calculation method of the customer's overall credit score, the level of the customer's overall credit score and its meaning; the relative position of the customer's overall credit score in the industry;

[0024] The professional area risk assessment includes, for each professional area, the following:

[0025] Scoring: Display the specific scores and scoring criteria;

[0026] Assessment and Analysis: Detailed analysis of the performance in the field, including strengths, weaknesses and potential risks;

[0027] Trend analysis: Display the historical trend of scores in this field;

[0028] Comprehensive risk analysis includes combining the overall credit score and scores in various professional fields to conduct a comprehensive assessment of the customer's overall risk status, identify major risk points and potential risks, and analyze the impact and consequences of risks.

[0029] Furthermore, after obtaining the customer risk level, a customer blacklist and whitelist will be obtained based on the customer risk level; the whitelist includes those customers with low credit risk, good historical performance, and who are considered trustworthy. The whitelist enjoys faster service and more flexible payment terms; the blacklist includes those customers with high credit risk, bad records or behaviors, and who are considered unreliable.

[0030] Furthermore, in S500, corresponding risk control measures are implemented based on the customer risk level; specific methods include: for white-listed customers, a more relaxed management strategy is adopted, which at least includes simplifying the review process, increasing transaction limits and providing preferential services; for black-listed customers, strengthening monitoring, regularly reviewing their risk status, and implementing transaction restrictions, including single transaction limits and daily cumulative transaction limits, and requiring customers to provide more identity verification information or supporting documents.

[0031] In a second aspect, an embodiment of the present invention discloses a customer risk assessment system for a front-end code development system, comprising: a customer information acquisition unit, an overall credit score calculation unit, a professional field score calculation unit, a customer risk level calculation unit and a risk control measure execution unit; wherein:

[0032] A customer information acquisition unit, used to acquire customer information for accessing the front-end code development system, wherein the customer information at least includes the customer's establishment years, customer reconciliation cycle, and customer payment collection cycle;

[0033] An overall credit score calculation unit, used to obtain the overall credit score of the customer based on the customer information;

[0034] A professional field score calculation unit, used to send the customer information to multiple professional field experts to obtain scores of the customers in various professional fields;

[0035] A customer risk level calculation unit, used to obtain the customer risk level based on the overall credit score and the scores of each professional field;

[0036] The risk control measure execution unit is used to take corresponding risk control measures based on the customer risk level.

[0037] In a third aspect, an embodiment of the present invention discloses an electronic device, including:

[0038] one or more processors;

[0039] A memory for storing one or more programs;

[0040] When the one or more programs are executed by the one or more processors, the one or more processors implement the customer risk assessment method.

[0041] The beneficial effects of the above technical solution provided by the embodiment of the present invention include at least:

[0042] The present invention discloses a user risk assessment method for a front-end code development system, which can conduct a comprehensive risk assessment on formal customers and potential customers to ensure the security of the development process. By evaluating the customer's risk level and credit score report, a more accurate credit rating assessment is provided for different types of customers. A mechanism is implemented for multiple roles such as finance and legal affairs to participate in the assessment at the same time to obtain a more comprehensive risk perspective. The innovation and application of front-end development technology is promoted, and technical exploration and innovative practices are encouraged under the premise of security assurance. Accurate risk assessment information is provided to corporate decision makers to help them make more informed business and technical decisions.

[0043] The technical solution of the present invention is further described in detail below through the accompanying drawings and embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] The accompanying drawings are used to provide a further understanding of the present invention and constitute a part of the specification. Together with the embodiments of the present invention, they are used to explain the present invention and do not constitute a limitation of the present invention. In the accompanying drawings:

[0045] Figure 1 This is a flow chart of a method for user risk assessment of a front-end code development system in Embodiment 1 of the present invention;

[0046] Figure 2 This is a schematic diagram of the structure of an electronic device in Example 3 of the present invention. DETAILED DESCRIPTION

[0047] The exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although the exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0048] In order to solve the problems existing in the prior art, an embodiment of the present invention provides a user risk assessment method and system for a front-end code development system.

[0049] Example 1

[0050] The present invention discloses a method for assessing customer risk in front-end code development system. Figure 1 ,include:

[0051] S100. Obtain customer information that accesses the front-end code development system, wherein the customer information includes at least the customer's establishment years, customer reconciliation cycle, and customer payment collection cycle; for example, for a customer company A that has been established for 5 years and has a stable reconciliation and payment collection cycle, the system collects its establishment years, annual review records, number of insured persons, and other information from public databases and information provided by customers.

[0052] In S100 of this embodiment, customer information for accessing the front-end code development system is obtained, and the specific method includes: storing the customer information in the back-end database in advance, and then designing a set of API interfaces on the back-end, the interfaces allow the front-end system to securely request customer information; the API interfaces support identity authentication and authorization to ensure that only legitimate customers can access the customer information; on the front end, use the HTTP client library to call the back-end API and request customer information.

[0053] S200. Based on the customer information, the overall credit score of the customer is obtained; for example, the credit scoring algorithm engine analyzes the data of Company A and gives a higher credit score in consideration of its good historical credit record and compliant legal status. In S200 of this embodiment, based on the customer information, the overall credit score of the customer is obtained, and the specific method includes: weighting the customer information, and assigning a weight to the customer's years of establishment, customer reconciliation cycle, and customer payment collection cycle respectively; then standardizing the customer's years of establishment, customer reconciliation cycle, and customer payment collection cycle; finally, using the weighted summation method to calculate the overall credit score; the overall credit score calculation formula is: overall credit score = (years of establishment score * years of establishment weight) + (reconciliation cycle score * reconciliation cycle weight) + (payment collection cycle score * payment collection cycle weight).

[0054] S300. Send the customer information to multiple experts in professional fields to obtain scores for each professional field of the customer; for example: the company's financial department evaluates the financial health of Company A, the legal department reviews its contract performance history, and the business department gives a score based on market conditions and Company A's business potential.

[0055] In S300 of this embodiment, the customer information is sent to multiple professional field experts, and scores for each professional field of the customer are obtained respectively; the multiple professional fields include at least finance, law and business, the financial expert evaluates the financial health of the customer, the legal department evaluates the customer's contract performance history, and the business department evaluates based on market conditions and customer business potential, and obtains the customer's financial professional score, legal professional score and business professional score respectively.

[0056] S400. Based on the overall credit score and the scores of each professional field, obtain the customer risk level;

[0057] In S400 of this embodiment, based on the overall credit score and the scores of each professional field, the customer risk level is obtained, and the specific method includes:

[0058] Define professional field scores, where the professional field scores at least include financial professional scores, legal professional scores, and business professional scores;

[0059] Standardizing professional field scores, standardizing the financial professional scores, legal professional scores and business professional scores to the same scale;

[0060] Assign weights to the professional field scores and the overall credit score. Assign weights to the overall credit score and the scores of each professional field based on business needs and experience. The weight assignment should reflect the importance of each factor in assessing the customer's risk level;

[0061] Calculate the comprehensive risk score, using a weighted summation method to combine the overall credit score and the scores of each professional field to calculate a comprehensive risk score;

[0062] The comprehensive risk score is compared with a preset risk level threshold to obtain the customer risk level.

[0063] In some preferred embodiments, after obtaining the customer risk level, a customer risk report is also obtained; the customer risk report at least includes a customer profile, an overall credit assessment, a professional field risk assessment, a comprehensive risk analysis and risk mitigation recommendations; wherein:

[0064] The customer profile includes the basic information of the customer, including at least the customer's establishment years, customer reconciliation cycle and customer payment collection cycle;

[0065] Overall credit assessment, the calculation method of the customer's overall credit score, the level of the customer's overall credit score and its meaning; the relative position of the customer's overall credit score in the industry;

[0066] The professional area risk assessment includes, for each professional area, the following:

[0067] Scoring: Display the specific scores and scoring criteria;

[0068] Assessment and Analysis: Detailed analysis of the performance in the field, including strengths, weaknesses and potential risks;

[0069] Trend analysis: Display the historical trend of scores in this field;

[0070] Comprehensive risk analysis includes combining the overall credit score and scores in various professional fields to conduct a comprehensive assessment of the customer's overall risk status, identify major risk points and potential risks, and analyze the impact and consequences of risks.

[0071] In some preferred embodiments, after obtaining the customer risk level, a customer blacklist and whitelist will also be obtained based on the customer risk level; the whitelist includes those customers with lower credit risk, good historical performance, and who are considered trustworthy, and the whitelist enjoys faster service and more flexible payment terms; the blacklist includes those customers with higher credit risk, bad records or behaviors, and who are considered unreliable.

[0072] S500. Based on the risk level of the customer, corresponding risk control measures are taken. In S500 of this embodiment, based on the risk level of the customer, corresponding risk control measures are taken; the specific method includes: for whitelist customers, a more relaxed management strategy is adopted, including at least simplifying the review process, increasing transaction limits and providing preferential services; for blacklist customers, strengthening monitoring, regularly reviewing their risk status, implementing transaction restrictions, including single transaction limits and daily cumulative transaction limits, and requiring customers to provide more identity verification information or certification documents.

[0073] The present embodiment discloses a method for assessing customer risk for a front-end code development system, comprising: obtaining information about customers accessing the front-end code development system, the customer information at least including the customer's years of establishment, the customer's account reconciliation cycle, and the customer's payment collection cycle; obtaining the customer's overall credit score based on the customer information; sending the customer information to a plurality of experts in professional fields to obtain scores for each professional field of the customer; obtaining a customer risk level based on the overall credit score and the scores for each professional field; and taking corresponding risk control measures based on the customer risk level.

[0074] This embodiment discloses a user risk assessment method for a front-end code development system, which can conduct a comprehensive risk assessment on formal customers and potential customers to ensure the security of the development process. By evaluating the customer's risk level and credit score report, a more accurate credit rating assessment is provided for different types of customers. A mechanism is implemented for multiple roles such as finance and legal affairs to participate in the assessment at the same time to obtain a more comprehensive risk perspective. Promote the innovation and application of front-end development technology, and encourage technological exploration and innovative practices under the premise of security. Provide accurate risk assessment information to corporate decision makers to help them make more informed business and technical decisions.

[0075] Example 2

[0076] Based on the same inventive concept, the disclosed embodiment also provides a customer risk assessment system for a front-end code development system, including: a customer information acquisition unit, an overall credit score calculation unit, a professional field score calculation unit, a customer risk level calculation unit and a risk control measure execution unit; wherein:

[0077] A customer information acquisition unit, used to acquire customer information for accessing the front-end code development system, wherein the customer information at least includes the customer's establishment years, customer reconciliation cycle, and customer payment collection cycle;

[0078] An overall credit score calculation unit, used to obtain the overall credit score of the customer based on the customer information;

[0079] A professional field score calculation unit, used to send the customer information to multiple professional field experts to obtain scores of the customers in various professional fields;

[0080] A customer risk level calculation unit, used to obtain the customer risk level based on the overall credit score and the scores of each professional field;

[0081] The risk control measure execution unit is used to take corresponding risk control measures based on the customer risk level.

[0082] Among them, the specific working methods of the customer information acquisition unit, the overall credit score calculation unit, the professional field score calculation unit, the customer risk level calculation unit and the risk control measure execution unit have been recorded in detail in Example 1, and will not be repeated in this embodiment.

[0083] Example 3

[0084] Based on the same inventive concept, an embodiment of the present disclosure also provides an electronic device. Figure 2 FIG. 1 is a schematic diagram of the structure of an electronic device according to an embodiment of the present disclosure. Figure 2 As shown, an embodiment of the present disclosure provides an electronic device including: one or more processors 101, a memory 102, and one or more I / O interfaces 103. The memory 102 stores one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors implement any optimization method in the above embodiments; the one or more I / O interfaces 103 are connected between the processor and the memory, and are configured to implement information interaction between the processor and the memory.

[0085] Among them, the processor 101 is a device with data processing capabilities, including but not limited to a central processing unit (CPU), etc.; the memory 102 is a device with data storage capabilities, including but not limited to random access memory (RAM, more specifically SDRAM, DDR, etc.), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory (FLASH); the I / O interface (read-write interface) 103 is connected between the processor 101 and the memory 102, and can realize information interaction between the processor 101 and the memory 102, including but not limited to a data bus (Bus), etc.

[0086] In some embodiments, the processor 101 , the memory 102 , and the I / O interface 103 are connected to each other via a bus 104 , and further connected to other components of the computing device.

[0087] In some embodiments, the one or more processors 101 include a field programmable gate array.

[0088] According to an embodiment of the present disclosure, a computer-readable medium is further provided, wherein a computer program is stored on the computer-readable medium, wherein when the program is executed by a processor, the steps in any optimization method in the above-mentioned embodiment are implemented.

[0089] It should be understood that the specific order or hierarchy of steps in the disclosed process is an example of an exemplary method. Based on design preferences, it should be understood that the specific order or hierarchy of steps in the process can be rearranged without departing from the scope of protection of the present disclosure. The attached method claims present the elements of the various steps in an exemplary order and are not intended to be limited to the specific order or hierarchy described.

[0090] In the above detailed description, various features are grouped together in a single embodiment to simplify the disclosure. This method of disclosure should not be interpreted as reflecting an intention that the embodiments of the claimed subject matter require more features than are clearly stated in each claim. On the contrary, as reflected in the appended claims, the invention is in a state of having less than all the features of the disclosed individual embodiments. Therefore, the appended claims are hereby expressly incorporated into the detailed description, with each claim standing on its own as a separate preferred embodiment of the invention.

[0091] Those skilled in the art will also appreciate that the various illustrative logic blocks, modules, circuits, and algorithmic steps described in conjunction with the embodiments herein can all be implemented as electronic hardware, computer software, or a combination thereof. In order to clearly illustrate the interchangeability between hardware and software, various illustrative components, blocks, modules, circuits, and steps are generally described above around their functions. Whether such functions are implemented as hardware or software depends on specific applications and the design constraints imposed on the entire system. A skilled person can implement the described functions in an alternative manner for each specific application, but such implementation decisions should not be interpreted as departing from the scope of protection of the present disclosure.

[0092] The steps of the method or algorithm described in conjunction with the embodiments herein may be directly embodied as hardware, a software module executed by a processor, or a combination thereof. The software module may be located in a RAM memory, a flash memory, a ROM memory, an EPROM memory, an EEPROM memory, a register, a hard disk, a mobile disk, a CD-ROM, or any other form of storage medium well known in the art. An exemplary storage medium is connected to the processor so that the processor can read information from the storage medium and can write information to the storage medium. Of course, the storage medium may also be an integral part of the processor. The processor and the storage medium may be located in an ASIC. The ASIC may be located in a user terminal. Of course, the processor and the storage medium may also be present in a user terminal as discrete components.

[0093] For software implementation, the techniques described in this application can be implemented with modules (e.g., procedures, functions, etc.) that perform the functions described in this application. These software codes can be stored in a memory unit and executed by a processor. The memory unit can be implemented within the processor or outside the processor. In the latter case, it is coupled to the processor in a communication manner via various means, which are well known in the art.

[0094] The above description includes examples of one or more embodiments. Of course, it is impossible to describe all possible combinations of components or methods for the purpose of describing the above embodiments, but it should be recognized by those skilled in the art that the various embodiments may be further combined and arranged. Therefore, the embodiments described herein are intended to cover all such changes, modifications and variations that fall within the scope of protection of the appended claims. In addition, with respect to the term "comprising" used in the specification or claims, the word is covered in a manner similar to the term "including", just as "including," is explained as a transitional word in the claims. In addition, any term "or" used in the specification of the claims is intended to mean "non-exclusive or".

Claims

1. A customer risk assessment method for front-end code development systems, It is characterized in that include: S100. Obtaining customer information for accessing the front-end code development system, the customer information at least including the customer's establishment years, customer reconciliation cycle, and customer payment cycle; S200. Based on the customer information, obtain the customer's overall credit score; S300. Send the customer information to multiple professional experts to obtain scores for each professional field of the customer; S400. Based on the overall credit score and the scores of each professional field, obtain the customer risk level; S500. Based on the customer risk level, take corresponding risk control measures.

2. A method for assessing customer risk for a front-end code development system as claimed in claim 1, It is characterized in that In S100, customer information for accessing the front-end code development system is obtained, and the specific method includes: storing the customer information in the back-end database in advance, and then designing a set of API interfaces on the back-end, the interfaces allow the front-end system to securely request customer information; the API interfaces support identity authentication and authorization to ensure that only legitimate customers can access the customer information; on the front end, use the HTTP client library to call the back-end API and request customer information.

3. A method for assessing customer risk for a front-end code development system as claimed in claim 1, It is characterized in that In S200, based on the customer information, the customer's overall credit score is obtained, and the specific method includes: weighting the customer information, assigning a weight to the customer's years of establishment, customer reconciliation cycle and customer collection cycle respectively; then standardizing the customer's years of establishment, customer reconciliation cycle and customer collection cycle; finally, using the weighted summation method to calculate the overall credit score; the overall credit score calculation formula is: overall credit score = (years of establishment score * year of establishment weight) + (reconciliation cycle score * reconciliation cycle weight) + (collection cycle score * collection cycle weight).

4. A method for assessing customer risk for a front-end code development system as claimed in claim 1, It is characterized in that In S300, the customer information is sent to experts in multiple professional fields, and scores for each professional field of the customer are obtained respectively; the multiple professional fields include at least finance, law and business. The financial expert evaluates the financial health of the customer, the legal department evaluates the customer's contract performance history, and the business department evaluates based on market conditions and customer business potential, and obtains the customer's financial professional score, legal professional score and business professional score respectively.

5. A method for assessing customer risk for a front-end code development system as claimed in claim 1, It is characterized in that In S400, based on the overall credit score and the scores of each professional field, the customer risk level is obtained, and the specific method includes: Define professional field scores, where the professional field scores at least include financial professional scores, legal professional scores, and business professional scores; Standardizing professional field scores, standardizing the financial professional scores, legal professional scores and business professional scores to the same scale; Assign weights to the professional field scores and the overall credit score. Assign weights to the overall credit score and the scores of each professional field based on business needs and experience. The weight assignment should reflect the importance of each factor in assessing the customer's risk level; Calculate the comprehensive risk score, using a weighted summation method to combine the overall credit score and the scores of each professional field to calculate a comprehensive risk score; The comprehensive risk score is compared with a preset risk level threshold to obtain the customer risk level.

6. A method for assessing customer risk for a front-end code development system as claimed in claim 5, It is characterized in that After obtaining the customer risk level, a customer risk report will also be obtained; the customer risk report at least includes customer profile, overall credit assessment, professional field risk assessment, comprehensive risk analysis and risk mitigation suggestions; among which: The customer profile includes the basic information of the customer, including at least the customer's establishment years, customer reconciliation cycle and customer payment collection cycle; Overall credit assessment, the calculation method of the customer's overall credit score, the level of the customer's overall credit score and its meaning; the relative position of the customer's overall credit score in the industry; The professional area risk assessment includes, for each professional area, the following: Scoring: Display the specific scores and scoring criteria; Assessment and Analysis: Detailed analysis of the performance in the field, including strengths, weaknesses and potential risks; Trend analysis: Display the historical trend of scores in this field; Comprehensive risk analysis includes combining the overall credit score and scores in various professional fields to conduct a comprehensive assessment of the customer's overall risk status, identify major risk points and potential risks, and analyze the impact and consequences of risks.

7. A method for assessing customer risk for a front-end code development system as claimed in claim 5, It is characterized in that After obtaining the customer risk level, a blacklist and whitelist of customers will be obtained based on the customer risk level; the whitelist includes those customers with lower credit risk, good historical performance, and who are considered trustworthy. The whitelist enjoys faster service and more flexible payment terms; the blacklist includes those customers with higher credit risk, bad records or behaviors, and who are considered unreliable.

8. A method for assessing customer risk for a front-end code development system as claimed in claim 1, It is characterized in that In S500, corresponding risk control measures are implemented based on the customer risk level; specific methods include: for white-listed customers, a more relaxed management strategy is adopted, which at least includes simplifying the review process, increasing transaction limits and providing preferential services; for black-listed customers, monitoring is strengthened, their risk status is reviewed regularly, and transaction restrictions are implemented, including single transaction limits and daily cumulative transaction limits, and customers are required to provide more identity verification information or supporting documents.

9. A customer risk assessment system for front-end code development systems, It is characterized in that include: Customer information acquisition unit, overall credit score calculation unit, professional field score calculation unit, customer risk level calculation unit and risk control measures execution unit; among which: A customer information acquisition unit, used to acquire customer information for accessing the front-end code development system, wherein the customer information at least includes the customer's establishment years, customer reconciliation cycle, and customer payment collection cycle; An overall credit score calculation unit, used to obtain the overall credit score of the customer based on the customer information; A professional field score calculation unit, used to send the customer information to multiple professional field experts to obtain scores of the customers in various professional fields; A customer risk level calculation unit, used to obtain the customer risk level based on the overall credit score and the scores of each professional field; The risk control measure execution unit is used to take corresponding risk control measures based on the customer risk level.

10. An electronic device, include: one or more processors; A memory for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement the customer risk assessment method.

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