Trade risk early warning method and system based on big data
Through the trade risk warning method based on big data, historical information of traders and enterprises is obtained and risk level information is generated, the problem of low accuracy of risk analysis in the existing technology is solved, automated and objective risk analysis is realized, and the Analytical accuracy and transaction security.
Patent Information
- Application Number
- CN202411344319.6
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-09-25
- Publication Date
- 2025-01-03
AI Technical Summary
The accuracy of trade risk analysis in the prior art is low, mainly due to the subjectivity and empirical dependence of manual analysis, which leads to insufficient accuracy in risk identification and assessment.
Using a trade risk warning method based on big data, we generate transaction risk level information by obtaining the historical transaction record information of the target trader and the trade credit information of the target enterprise, and generate trade risk suggestions based on this information to achieve automatic and objective risks. analyze.
It improves the accuracy of trade risk analysis, reduces the analysis error of manual participation, enhances the accuracy of risk identification and evaluation, and ensures the safety and compliance of the transaction process.
Smart Images
Figure CN119250824A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the technical field of trade risk analysis, and specifically, to a trade risk early warning method and system based on big data. Background Art
[0002] In order to avoid unreasonable outflow of funds and ensure the company's continued operational capabilities, companies usually need to conduct compliance management of the trade process to identify, evaluate and control potential risks in the trade process.
[0003] At present, enterprises usually use manual analysis to supervise the trading process. Since manual analysis is affected by experience and has a high degree of subjectivity, there is a problem of low accuracy in risk analysis, which needs further improvement. Summary of the invention
[0004] Based on this, the embodiment of the present application provides a trade risk warning method and system based on big data to solve the problem of low accuracy of risk analysis in the prior art.
[0005] In a first aspect, an embodiment of the present application provides a trade risk early warning method based on big data, the method comprising:
[0006] In response to a special transaction instruction, obtaining historical transaction record information of the target trader and trade credit information of the target enterprise;
[0007] Generate transaction risk level information based on the historical transaction record information;
[0008] Generate trade risk advice information based on the transaction risk level information and the trade credit information.
[0009] Compared with the prior art, the beneficial effects are as follows: the trade risk warning method based on big data provided in the embodiment of the present application, the terminal device can first respond to special transaction instructions, automatically obtain the historical transaction record information of the target trader and the trade credit information of the target enterprise, and then accurately generate transaction risk level information based on the historical transaction record information, and finally accurately generate trade risk recommendation information based on the transaction risk level information and trade credit information, thereby realizing automatic and objective analysis of the risk level of the transaction process, accurately reviewing the analysis links involving manual participation, effectively improving the accuracy of risk analysis, and to a certain extent solving the problem of low accuracy of current risk analysis.
[0010] In a second aspect, an embodiment of the present application provides a trade risk early warning system based on big data, the system comprising:
[0011] Historical transaction record information acquisition module: used to obtain the historical transaction record information of the target trader and the trade credit information of the target enterprise in response to the special transaction instruction;
[0012] Transaction risk level information generation module: used to generate transaction risk level information based on the historical transaction record information;
[0013] Trade risk advice information generation module: used to generate trade risk advice information according to the transaction risk level information and the trade credit information.
[0014] In a third aspect, an embodiment of the present application provides a terminal device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the method of the first aspect described above when executing the computer program.
[0015] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the method of the first aspect described above are implemented.
[0016] It can be understood that the beneficial effects of the second to fourth aspects mentioned above can be found in the relevant description of the first aspect mentioned above, and will not be repeated here. BRIEF DESCRIPTION OF THE DRAWINGS
[0017] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the embodiments or the description of the prior art are briefly introduced below.
[0018] Figure 1 It is a flowchart of a trade risk early warning method provided by an embodiment of the present application;
[0019] Figure 2 It is a flowchart of step S200 in the trade risk early warning method provided in one embodiment of the present application;
[0020] Figure 3 It is a flowchart after step S200 in the trade risk early warning method provided in one embodiment of the present application;
[0021] Figure 4 It is a flowchart after step S204 in the trade risk early warning method provided in one embodiment of the present application;
[0022] Figure 5 It is a flowchart of step S300 in the trade risk early warning method provided in one embodiment of the present application;
[0023] Figure 6 This is a module block diagram of a trade risk early warning system provided by an embodiment of the present application;
[0024] Figure 7 It is a schematic diagram of a terminal device provided in one embodiment of the present application. DETAILED DESCRIPTION
[0025] In the following description, specific details such as specific system structures, technologies, etc. are provided for the purpose of illustration rather than limitation, so as to provide a thorough understanding of the embodiments of the present application. However, it should be clear to those skilled in the art that the present application may also be implemented in other embodiments without these specific details. In other cases, detailed descriptions of well-known systems, devices, circuits, and methods are omitted to prevent unnecessary details from obstructing the description of the present application.
[0026] In the description of the present application specification and the appended claims, the terms "first", "second", "third", etc. are only used to distinguish the descriptions and cannot be understood as indicating or implying relative importance.
[0027] References to "one embodiment" or "some embodiments" etc. described in the specification of this application mean that one or more embodiments of the present application include specific features, structures or characteristics described in conjunction with the embodiment. Therefore, the statements "in one embodiment", "in some embodiments", "in some other embodiments", "in some other embodiments", etc. that appear in different places in this specification do not necessarily refer to the same embodiment, but mean "one or more but not all embodiments", unless otherwise specifically emphasized in other ways. The terms "including", "comprising", "having" and their variations all mean "including but not limited to", unless otherwise specifically emphasized in other ways.
[0028] In order to illustrate the technical solution described in this application, a specific embodiment is provided below for illustration.
[0029] See also Figure 1 , Figure 1 : is a flow chart of a trade risk early warning method based on big data provided by an embodiment of the present application. In this embodiment, the execution subject of the trade risk early warning method is a terminal device. It is understandable that the types of terminal devices include but are not limited to mobile phones, tablet computers, laptop computers, ultra-mobile personal computers (Ultra-Mobile Personal Computer, UMPC), netbooks, personal digital assistants (Personal Digital Assistant, PDA), etc., and the embodiment of the present application does not impose any restrictions on the specific types of terminal devices.
[0030] See also Figure 1 The trade risk warning method provided in the embodiment of the present application includes but is not limited to the following steps:
[0031] In S100, in response to a special transaction instruction, historical transaction record information of a target trader and trade credit information of a target enterprise are obtained.
[0032] Specifically, the terminal device can respond to special transaction instructions to obtain the historical transaction record information of the target trader and the trade credit information of the target enterprise. The special transaction instructions are used to describe the instructions corresponding to the special transaction requests initiated by the target trader. The special transaction requests can be transactions with larger amounts or transactions involving designated enterprises. The historical transaction record information is used to describe the historical transaction records of the target trader. The target enterprise is used to describe the enterprise to which the target trader belongs. The trade credit information is used to describe the transaction credit of the enterprise to which the target trader belongs on various financial platforms.
[0033] In S200, transaction risk level information is generated based on historical transaction record information.
[0034] Specifically, after the terminal device obtains the historical transaction record information of the target trader, the terminal device can effectively generate transaction risk level information based on the historical transaction record information.
[0035] In one possible implementation, the transaction risk level information includes high risk level information, medium risk level information and low risk level information, wherein the high risk level information is used to describe that the transaction has a high risk and may have a significant negative impact on the operation of the target enterprise; the medium risk level information is used to describe that the transaction has a medium risk and may have a large negative impact on the operation of the target enterprise; the low risk level information is used to describe that the transaction has a low risk and the negative impact on the operation of the target enterprise is almost negligible.
[0036] In some possible implementations, in order to improve the accuracy of transaction risk level information, please refer to Figure 2 Step S200 includes but is not limited to the following steps:
[0037] In S210, based on the historical transaction record information, the maximum processing amount information and transaction processing quantity information of the target trader are obtained.
[0038] Specifically, the terminal device can obtain the maximum processing amount information of the target trader based on the historical transaction record information, and at the same time obtain the transaction processing quantity information of the target trader, wherein the maximum processing amount information is used to describe the maximum processed transaction amount of the target trader. For example, the terminal device can determine that the transaction amount corresponding to the transaction record with the largest transaction amount in the historical transaction records of the target trader is the maximum processing amount information. The transaction processing quantity information is used to describe the total number of transactions processed by the target trader. For example, the terminal device can determine that the number of all transaction records in the historical transaction records of the target trader is the transaction processing quantity information.
[0039] In S220, the maximum processing amount information is compared with the preset processing amount threshold information.
[0040] Specifically, after the terminal device obtains the maximum processing amount information of the target trader, the terminal device can compare the maximum processing amount information with the preset processing amount threshold information, wherein the processing amount threshold information can be pre-customized by the transaction administrator.
[0041] In S230, if the maximum processing amount information is less than or equal to the processing amount threshold information, the transaction risk level information is determined to be high risk level information.
[0042] It should be noted that the target trader's responsibility is to manage the risks that may exist in the transaction process. However, target traders who lack practical experience usually do not have the ability to accurately identify transaction risks due to insufficient knowledge reserves or technical capabilities, and it is difficult for them to effectively identify and assess the risk level corresponding to the transaction.
[0043] Specifically, if the maximum processing amount information is less than or equal to the processing amount threshold information, the terminal device can determine that the transaction risk level information is high risk level information, thereby effectively determining that the target trader does not have sufficient ability to handle the transaction. If the transaction in this situation is successful, it may have a significant negative impact on the operations of the target enterprise.
[0044] In S240, if the maximum processing amount information is greater than the processing amount threshold information, the transaction processing quantity information is compared with the preset processing quantity threshold information.
[0045] Specifically, if the maximum processing amount information is greater than the processing amount threshold information, the terminal device may compare the transaction processing quantity information with the preset processing quantity threshold information, wherein the processing quantity threshold information may be pre-customized by the transaction administrator.
[0046] In S250, if the transaction processing quantity information is less than or equal to the preset processing quantity threshold information, it is determined that the transaction risk level information is medium risk level information.
[0047] Specifically, if the transaction processing quantity information is less than or equal to the preset processing quantity threshold information, the terminal device can effectively determine that the transaction risk level information is medium risk level information, thereby effectively determining that the target trader only has general ability to handle the transaction. If the transaction in this situation is successful, it may have a greater negative impact on the operation of the target enterprise.
[0048] In S260, if the transaction processing quantity information is less than or equal to the preset processing quantity threshold information, it is determined that the transaction risk level information is mild risk level information.
[0049] Specifically, if the transaction processing quantity information is less than or equal to the preset processing quantity threshold information, the terminal device can effectively determine that the transaction risk level information is a mild risk level information, thereby effectively determining that the target trader has sufficient ability to handle the transaction. If the transaction in this situation is successful, the negative impact on the operation of the target enterprise can be almost negligible.
[0050] In order to further improve the effectiveness of risk analysis, see Figure 3 If the transaction risk level information is medium risk level information or light risk level information, after step S200, the method further includes but is not limited to the following steps:
[0051] In S201, the permission activation duration information of the target trader is obtained.
[0052] Specifically, the terminal device can obtain the target trader's permission activation duration information, wherein the permission activation duration information is used to describe the total activation duration corresponding to the target trader's trading permissions.
[0053] In S202, the permission activation duration information is compared with the preset permission duration threshold information.
[0054] Specifically, after the terminal device obtains the target trader's permission activation duration information, the terminal device can compare the permission activation duration information with the preset permission duration threshold information, where the permission duration threshold information can be pre-customized by the transaction administrator.
[0055] In S203, if the permission activation time information is less than the permission time threshold information, the identity status of the target trader is marked as suspicious.
[0056] Specifically, if the permission activation duration information is less than the permission duration threshold information, the terminal device will mark the identity status of the target trader as suspicious, thereby effectively preventing potential violations or fraud in the transaction process.
[0057] In S204, the transaction risk level information is changed to high risk level information.
[0058] Specifically, after the terminal device marks the identity status of the target trader as suspicious, the terminal device can change the transaction risk level information, which is specifically medium risk level information or mild risk level information, to high risk level information, thereby improving the effectiveness of risk analysis.
[0059] In some possible implementations, in order to further improve the security of transactions and reduce the risks of transactions, please refer to Figure 4 After step S204, the method further includes but is not limited to the following steps:
[0060] In S2041, the special transaction request information of the target trader is suspended or rejected.
[0061] Specifically, after the terminal device changes the transaction risk level information to high risk level information, the terminal device may suspend the special transaction request information of the target trader, or reject the special transaction request information of the target trader, where the special transaction request information is used to describe the special transaction request initiated by the target trader.
[0062] In S2042, the preset transaction risk warning information is sent to the designated terminal of the transaction administrator.
[0063] Specifically, after the terminal device suspends or rejects the special transaction request information of the target trader, the terminal device can send the preset transaction risk warning information to the designated terminal of the transaction administrator, thereby timely reminding the transaction administrator of the high-risk transaction.
[0064] In S300, trade risk advice information is generated according to the transaction risk level information and the trade credit information.
[0065] Specifically, the terminal device can generate accurate trade risk suggestion information based on the transaction risk level information and trade credit information, wherein the trade credit information includes the number of loan defaults and the number of loan fulfillment information. The number of loan defaults is used to describe the total number of loan defaults in the history of the target enterprise; the number of loan fulfillment information is used to describe the total number of loan fulfillments in the history of the target enterprise. The trade risk suggestion information includes the first suggestion information, the second suggestion information and the third suggestion information.
[0066] In some possible implementations, in order to intuitively know the risk level of the transaction, please refer to Figure 5 Step S300 includes but is not limited to the following steps:
[0067] In S310, default-to-performance ratio information is generated based on the number of loan default information and the number of loan performance information.
[0068] Specifically, the terminal device can quickly generate default-to-fulfillment ratio information based on the quotient of the number of loan defaults divided by the number of loan fulfillment information, wherein the default-to-fulfillment ratio information can assist target traders and transaction managers in understanding the current lending capacity of the target enterprise.
[0069] In S320, if the transaction risk level information is high risk level information, first suggestion information is generated according to the high risk level information and the default-performance ratio information.
[0070] Specifically, if the transaction risk level information is high risk level information, the first suggestion information is generated based on the high risk level information and the default-performance ratio information. Through the first suggestion information, the target trader and transaction manager can timely and intuitively know the current borrowing capacity of the target enterprise, and the target trader and transaction manager can effectively know that the transaction is high-risk.
[0071] In S330, if the transaction risk level information is medium risk level information, second suggestion information is generated according to the medium risk level information and the default-performance ratio information.
[0072] Specifically, if the transaction risk level information is medium risk level information, the second suggestion information is generated based on the medium risk level information and the default-performance ratio information. Through the second suggestion information, the target trader and transaction manager can timely and intuitively know the current borrowing capacity of the target enterprise, and at the same time, the target trader and transaction manager can effectively know that there is a medium risk in the transaction.
[0073] In S340, if the transaction risk level information is mild risk level information, third suggestion information is generated according to the mild risk level information and the default-performance ratio information.
[0074] Specifically, if the transaction risk level information is mild risk level information, the third suggestion information is generated based on the mild risk level information and the default-performance ratio information. The third suggestion information enables the target trader and transaction manager to know the current borrowing capacity of the target enterprise in a timely and clear manner, and at the same time enables the target trader and transaction manager to effectively know that there is a lower risk in the transaction.
[0075] The implementation principle of the trade risk warning method based on big data in the embodiment of the present application is as follows: the terminal device can first respond to special transaction instructions, obtain the historical transaction record information of the target trader and the trade credit information of the target enterprise, and then effectively generate transaction risk level information based on the historical transaction record information. Finally, based on the transaction risk level information and trade credit information, accurately generate trade risk recommendation information, thereby realizing automatic and objective analysis of transaction risks, accurately reviewing the analysis links involving manual participation, and effectively improving the accuracy of risk analysis.
[0076] It should be noted that the size of the serial numbers of the steps in the above embodiments does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present application.
[0077] The embodiment of the present application also provides a trade risk early warning system based on big data. For the convenience of explanation, only the parts related to the present application are shown, such as Figure 6 As shown, the system 60 includes:
[0078] The historical transaction record information acquisition module 61 is used to obtain the historical transaction record information of the target trader and the trade credit information of the target enterprise in response to the special transaction instruction;
[0079] Transaction risk level information generation module 62: used to generate transaction risk level information based on historical transaction record information;
[0080] The trade risk advice information generating module 63 is used to generate trade risk advice information according to the transaction risk level information and trade credit information.
[0081] Optionally, the transaction risk level information includes high risk level information, medium risk level information and low risk level information; the transaction risk level information generating module 62 includes:
[0082] Maximum processing amount information acquisition submodule: used to obtain the maximum processing amount information and transaction processing quantity information of the target trader based on historical transaction record information;
[0083] Maximum processing amount information comparison submodule: used to compare the maximum processing amount information with the preset processing amount threshold information;
[0084] High risk level information determination submodule: used to determine that the transaction risk level information is high risk level information if the maximum processing amount information is less than or equal to the processing amount threshold information;
[0085] Transaction processing amount information comparison submodule: used to compare the transaction processing amount information with the preset processing amount threshold information if the maximum processing amount information is greater than the processing amount threshold information;
[0086] A medium risk level information determination submodule: used to determine that the transaction risk level information is medium risk level information if the transaction processing quantity information is less than or equal to the preset processing quantity threshold information;
[0087] Light risk level information determination submodule: used to determine that the transaction risk level information is light risk level information if the transaction processing quantity information is less than or equal to the preset processing quantity threshold information.
[0088] Optionally, if the transaction risk level information is medium risk level information or light risk level information, the system 60 further includes:
[0089] Permission activation duration information acquisition module: used to obtain the permission activation duration information of the target trader;
[0090] Permission activation duration information comparison module: used to compare permission activation duration information with preset permission duration threshold information;
[0091] Identity status marking module: used to mark the target trader's identity status as suspicious if the permission opening duration information is less than the permission duration threshold information;
[0092] Transaction risk level information change module: used to change transaction risk level information to high risk level information.
[0093] Optionally, the system 60 further includes:
[0094] Special transaction request information suspension module: used to suspend or reject the special transaction request information of the target trader;
[0095] Transaction risk warning information sending module: used to send preset transaction risk warning information to the designated terminal of the transaction administrator.
[0096] Optionally, the trade credit information includes information on the number of loan defaults and the number of loan fulfillment, and the trade risk suggestion information includes first suggestion information, second suggestion information and third suggestion information; the trade risk suggestion information generating module 63 includes:
[0097] The default performance ratio information generation submodule is used to generate the default performance ratio information according to the number of loan default information and the number of loan performance information;
[0098] A first suggestion information generating submodule: for generating first suggestion information according to the high risk level information and the default-performance ratio information if the transaction risk level information is high risk level information;
[0099] Second suggestion information generating submodule: for generating second suggestion information according to the medium risk level information and the default-performance ratio information if the transaction risk level information is medium risk level information;
[0100] The third suggestion information generating submodule is used to generate the third suggestion information according to the light risk level information and the default-performance ratio information if the transaction risk level information is light risk level information.
[0101] It should be noted that the information interaction, execution process and other contents between the above-mentioned modules are based on the same concept as the method embodiment of the present application. Their specific functions and technical effects can be found in the method embodiment part and will not be repeated here.
[0102] The present application also provides a terminal device, such as Figure 7 As shown, the terminal device 70 of this embodiment includes: a processor 71, a memory 72, and a computer program 73 stored in the memory 72 and executable on the processor 71. When the processor 71 executes the computer program 73, the steps in the above-mentioned trade risk early warning method embodiment are implemented, for example Figure 1 Steps S100 to S300 shown; or, when the processor 71 executes the computer program 73, the functions of each module in the above device are realized, for example Figure 6 The functions of modules 61 to 63 are shown.
[0103] The terminal device 70 may be a computing device such as a desktop computer, a notebook, a PDA, or a cloud server, and the terminal device 70 includes but is not limited to a processor 71 and a memory 72. Those skilled in the art will appreciate that Figure 7 It is only an example of the terminal device 70 and does not constitute a limitation of the terminal device 70. It may include more or fewer components than shown in the figure, or a combination of certain components, or different components. For example, the terminal device 70 may also include input and output devices, network access devices, buses, etc.
[0104] Among them, the processor 71 can be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.; the general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc.
[0105] The memory 72 may be an internal storage unit of the terminal device 70, such as a hard disk or memory of the terminal device 70, or the memory 72 may be an external storage device of the terminal device 70, such as a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. equipped on the terminal device 70; further, the memory 72 may also include both an internal storage unit and an external storage device of the terminal device 70, and the memory 72 may also store a computer program 73 and other programs and data required by the terminal device 70, and the memory 72 may also be used to temporarily store data that has been output or is to be output.
[0106] One embodiment of the present application also provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the steps of each of the above method embodiments can be implemented. Among them, the computer program includes computer program code, and the computer program code can be in source code form, object code form, executable file or some intermediate form, etc.; the computer-readable medium may include: any entity or device that can carry computer program code, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM), random access memory (RAM), electric carrier signal, telecommunication signal and software distribution medium, etc.
[0107] The above are all preferred embodiments of the present application, and the protection scope of the present application is not limited thereto. Therefore, all equivalent changes made according to the methods, principles, and structures of the present application should be included in the protection scope of the present application.
Claims
1. A trade risk early warning method based on big data, characterized in that: The method comprises: In response to a special transaction instruction, obtaining historical transaction record information of the target trader and trade credit information of the target enterprise; Generate transaction risk level information based on the historical transaction record information; Generate trade risk advice information based on the transaction risk level information and the trade credit information.
2. The method according to claim 1, characterized in that The transaction risk level information includes high risk level information, medium risk level information and low risk level information; The generating transaction risk level information based on the historical transaction record information includes: Based on the historical transaction record information, obtaining the maximum processing amount information and transaction processing quantity information of the target trader; Comparing the maximum processing amount information with the preset processing amount threshold information; If the maximum processing amount information is less than or equal to the processing amount threshold information, determining that the transaction risk level information is the high risk level information; If the maximum processing amount information is greater than the processing amount threshold information, comparing the transaction processing quantity information with the preset processing quantity threshold information; If the transaction processing quantity information is less than or equal to the preset processing quantity threshold information, then determining that the transaction risk level information is the medium risk level information; If the transaction processing quantity information is less than or equal to the preset processing quantity threshold information, the transaction risk level information is determined to be the mild risk level information.
3. The method according to claim 2, characterized in that If the transaction risk level information is the medium risk level information or the mild risk level information, after generating the transaction risk level information based on the historical transaction record information, the method further includes: Obtaining the target trader's permission activation duration information; Comparing the permission activation duration information with preset permission duration threshold information; If the permission activation time information is less than the permission time threshold information, the identity status of the target trader is marked as suspicious; The transaction risk level information is changed to the high risk level information.
4. The method according to claim 3, characterized in that After changing the transaction risk level information to the high risk level information, the method further includes: Suspend or reject the special transaction request information of the target trader; Send preset transaction risk warning information to the designated terminal of the transaction administrator.
5. The method according to claim 4, characterized in that The trade credit information includes information on the number of loan defaults and the number of loan fulfillment, and the trade risk suggestion information includes first suggestion information, second suggestion information and third suggestion information; Generate trade risk advice information based on the transaction risk level information and the trade credit information, including: Generate default-performance ratio information based on the number of loan defaults and the number of loan fulfillment information; If the transaction risk level information is the high risk level information, generating the first suggestion information according to the high risk level information and the default-performance ratio information; If the transaction risk level information is the medium risk level information, generating the second suggestion information according to the medium risk level information and the default-performance ratio information; If the transaction risk level information is the mild risk level information, the third suggestion information is generated according to the mild risk level information and the default-performance ratio information.
6. A trade risk early warning system based on big data, characterized in that: The system comprises: Historical transaction record information acquisition module: used to obtain the historical transaction record information of the target trader and the trade credit information of the target enterprise in response to the special transaction instruction; Transaction risk level information generation module: used to generate transaction risk level information based on the historical transaction record information; Trade risk advice information generation module: used to generate trade risk advice information according to the transaction risk level information and the trade credit information.
7. The system according to claim 6, characterized in that The transaction risk level information includes high risk level information, medium risk level information and low risk level information; the transaction risk level information generation module includes: Maximum processing amount information acquisition submodule: used to acquire the maximum processing amount information and transaction processing quantity information of the target trader based on the historical transaction record information; Maximum processing amount information comparison submodule: used to compare the maximum processing amount information with the preset processing amount threshold information; A high risk level information determination submodule: used for determining that the transaction risk level information is the high risk level information if the maximum processing amount information is less than or equal to the processing amount threshold information; Transaction processing amount information comparison submodule: used for comparing the transaction processing amount information with the preset processing amount threshold information if the maximum processing amount information is greater than the processing amount threshold information; A medium risk level information determination submodule: used for determining that the transaction risk level information is the medium risk level information if the transaction processing quantity information is less than or equal to the preset processing quantity threshold information; Mild risk level information determination submodule: for determining that the transaction risk level information is the mild risk level information if the transaction processing quantity information is less than or equal to the preset processing quantity threshold information.
8. A terminal device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.
9. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.