Credit risk control decision-making platform and decision-making method

Abstract

The invention relates to the technical field of credit risk control, in particular to a credit risk control decision platform. The credit rating evaluation module is used for receiving the decision request, analyzing the target information, judging the authenticity of the information provided by the target and evaluating the credit rating of the target information; a risk control model establishment module; based on the internal data, the external data and the target credit rating, establishing a risk control model according to an algorithm; an auditing module; the risk assessment module is used for auditing the target credit information and assessing the risk of the target credit information according to a risk control model; a risk management module; the risk management module is used for managing and controlling risks and formulating risk management strategies and measures; a decision execution module; the method is used for converting the risk management strategy into specific operation and execution. According to the credit and loan risk control decision-making platform and decision-making method, auditing and evaluation of customer information in the loan process are achieved, corresponding decisions are made, the loan handling speed of customers is increased, and the satisfaction degree of the customers to banks is increased.

Description

Technical Field

[0001] The present invention relates to the technical field of credit risk control, and in particular to a credit risk control decision-making platform and a decision-making method. Background Art

[0002] Credit refers to the form of value movement with repayment and interest payment as conditions. It usually includes credit activities such as bank deposits and loans. Credit activities will generate credit risks. Credit risk refers to the possibility that the borrowing enterprise or borrower cannot repay the principal and interest of the loan on time due to various reasons, causing the bank to suffer losses. The credit business accounts for a large proportion of the bank's credit business. Credit has the characteristics of high risk and outstanding returns, and is of great importance to the operation of the entire bank.

[0003] At present, in the loan application process of bank credit business, the loan processing steps are generally to verify the authenticity of customer information, credit rating assessment, decision-making and subsequent risk warning and monitoring. In the actual loan application process, credit assessment and decision-making are generally carried out by staff, and staff are required to review relevant customer information, resulting in low efficiency in loan processing.

[0004] In order to solve the above problems, we have made improvements and proposed a credit risk control decision-making platform and decision-making method. Summary of the invention

[0005] In order to solve the above technical problems, the present invention provides the following technical solutions:

[0006] The present invention provides a credit risk control decision platform, comprising:

[0007] Receiving and analyzing module: used to receive decision requests, analyze target information, determine the authenticity of information provided by the target, and evaluate the credit rating of the target information;

[0008] Risk control model building module: based on internal data, external data and target credit rating, and based on algorithms, a risk control model is built;

[0009] Audit module: used to audit the target credit information and assess the risk of the target credit information based on the risk control model;

[0010] Risk management module: used to manage and control risks and formulate risk management strategies and measures;

[0011] Decision-making execution module: used to convert risk management strategies into specific operations and executions, and make corresponding decisions and operations based on risk assessment results and risk management strategies;

[0012] Risk warning and monitoring module: used to monitor the repayment status of the target and timely discover and warn of potential risks.

[0013] As a preferred technical solution of the present invention, the decision request includes but is not limited to the target information corresponding to the risk control decision. The data used to judge the authenticity of the information provided by the target comes from internal data and external data. The external data is a third-party transaction service system, and the data is cleaned, integrated and standardized to ensure the accuracy and reliability of the data.

[0014] As a preferred technical solution of the present invention, the target information includes basic information provided by the target, credit record, historical repayment record and business status.

[0015] As a preferred technical solution of the present invention, the audit content includes target credit rating, credit purpose, repayment ability and guarantee measures.

[0016] As a preferred technical solution of the present invention, the risk control model establishment algorithm is a decision tree, a random forest or a naive Bayes.

[0017] As a preferred technical solution of the present invention, the risk management strategies and measures include but are not limited to risk limits, risk mitigation and risk diversification, and the decisions and operations include loan granting, loan rejection and loan limit adjustment.

[0018] A credit risk control decision-making method, comprising:

[0019] S1. Receive decision requests, analyze target information, determine the authenticity of information provided by the target, and evaluate the credit rating of the target information;

[0020] S2. If the information provided by the target is true, a risk control model is established based on internal data, external data and the target's credit rating;

[0021] S3. Review the target credit information and assess the risk of the target credit information based on the risk control model;

[0022] S4. Manage and control risks and formulate risk management strategies and measures;

[0023] S5. Used to convert risk management strategies into specific operations and executions, and make corresponding decisions and operations based on risk assessment results and risk management strategies;

[0024] S6. Monitor the target's repayment status to promptly identify and warn of potential risks.

[0025] As a preferred technical solution of the present invention, the monitoring information includes the target's contact information, geographic information and behavioral information, and the behavioral information includes the target's income and expenditure, the income includes but is not limited to operating income, wage income and investment income, and the expenditure includes but is not limited to the target's consumption expenditure and other loan expenditure for purchasing services or products.

[0026] The beneficial effects of the present invention are as follows: the credit risk control decision platform and decision method firstly receive a decision request, judge the authenticity of the information provided by the target, and evaluate the credit rating of the target information; if the information provided by the target is true, establish a risk control model based on internal data, external data and the target credit rating; then review the target credit information, and evaluate the target credit information risk based on the risk control model; then manage and control the risk, and formulate risk management strategies and measures; then convert the risk management strategy into specific operations and execution, and make corresponding decisions and operations based on the risk assessment results and risk management strategies; finally monitor the repayment situation of the target, discover and warn of potential risks in a timely manner, realize the review and evaluation of customer information in the loan process, and make corresponding decisions, speed up the customer loan processing speed, and increase customer satisfaction with the bank. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] 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:

[0028] Figure 1 It is a method block diagram of a credit risk control decision platform and decision method of the present invention;

[0029] Figure 2 It is a structural block diagram of a credit risk control decision platform and decision method of the present invention; DETAILED DESCRIPTION

[0030] The preferred embodiments of the present invention are described below in conjunction with the accompanying drawings. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present invention, and are not used to limit the present invention.

[0031] Example: Figure 2 As shown, a credit risk control decision platform includes:

[0032] Receiving and analyzing module: used to receive decision requests, analyze target information, determine the authenticity of information provided by the target, and evaluate the credit rating of the target information;

[0033] Risk control model building module: based on internal data, external data and target credit rating, and based on algorithms, a risk control model is built;

[0034] Audit module: used to audit the target credit information and assess the risk of the target credit information based on the risk control model;

[0035] Risk management module: used to manage and control risks and formulate risk management strategies and measures;

[0036] Decision-making execution module: used to convert risk management strategies into specific operations and executions, and make corresponding decisions and operations based on risk assessment results and risk management strategies;

[0037] Risk warning and monitoring module: used to monitor the repayment status of the target and timely discover and warn of potential risks.

[0038] Decision requests include but are not limited to the target information corresponding to the risk control decision. The data used to judge the authenticity of the information provided by the target comes from internal data and external data. The external data is a third-party transaction service system, and the data is cleaned, integrated and standardized to ensure the accuracy and reliability of the data.

[0039] Target information includes basic information provided by the target, credit record, historical repayment record and business conditions.

[0040] The review content includes target credit rating, credit purpose, repayment ability and guarantee measures.

[0041] The risk control model establishment algorithm is decision tree, random forest or naive Bayes.

[0042] Risk management strategies and measures include, but are not limited to, risk limits, risk mitigation and risk diversification; decisions and operations include loan approval, loan rejection and loan limit adjustment.

[0043] like Figure 1 As shown, a credit risk control decision-making method includes:

[0044] S1. Receive decision requests, analyze target information, determine the authenticity of information provided by the target, and evaluate the credit rating of the target information;

[0045] S2. If the information provided by the target is true, a risk control model is established based on internal data, external data and the target's credit rating;

[0046] S3. Review the target credit information and assess the risk of the target credit information based on the risk control model;

[0047] S4. Manage and control risks and formulate risk management strategies and measures;

[0048] S5. Used to convert risk management strategies into specific operations and executions, and make corresponding decisions and operations based on risk assessment results and risk management strategies;

[0049] S6. Monitor the target's repayment status to promptly identify and warn of potential risks.

[0050] The monitoring information includes the target's contact information, geographic information and behavioral information. The behavioral information includes the target's income and expenditure. The income includes but is not limited to operating income, salary income and investment income. The expenditure includes but is not limited to the target's consumer expenditure on purchasing services or products and other loan expenditures.

[0051] The credit risk control decision-making platform and decision-making method use risk control models to assess the target credit information risk; formulate risk management strategies and measures; convert risk management strategies into specific operations and executions, and then make corresponding decisions and operations based on risk assessment results and risk management strategies; finally, monitor the target's repayment situation, timely discover and warn of potential risks, and realize the review and evaluation of customer information during the loan process, which speeds up customer loan processing and increases customer satisfaction with the bank.

[0052] Finally, it should be noted that the above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art can still modify the technical solutions described in the aforementioned embodiments or replace some of the technical features therein by equivalents. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A credit risk control decision-making platform, characterized in that: include: Receiving analysis module; Used to receive decision requests, analyze target information, determine the authenticity of information provided by the target, and evaluate the credit rating of the target information; Risk control model building module: based on internal data, external data and target credit rating, and based on algorithms, a risk control model is built; Audit module; Used to review the target credit information and assess the risk of the target credit information based on the risk control model; Risk management module; Used to manage and control risks and formulate risk management strategies and measures; Decision execution module; Used to convert risk management strategies into specific operations and executions, and make corresponding decisions and operations based on risk assessment results and risk management strategies; Risk warning and monitoring module: used to monitor the repayment status of the target and timely discover and warn of potential risks.

2. A credit risk control decision platform according to claim 1, characterized in that: The decision request includes but is not limited to the target information corresponding to the risk control decision. The data used to judge the authenticity of the information provided by the target comes from internal data and external data. The external data is a third-party transaction service system, and the data is cleaned, integrated and standardized to ensure the accuracy and reliability of the data.

3. A credit risk control decision platform according to claim 1, characterized in that: The target information includes basic information provided by the target, credit record, historical repayment record and business status.

4. A credit risk control decision platform according to claim 1, characterized in that: The review contents include target credit rating, credit purpose, repayment ability and guarantee measures.

5. A credit risk control decision platform according to claim 1, characterized in that: The risk control model establishment algorithm is decision tree, random forest or naive Bayes.

6. A credit risk control decision platform according to claim 1, characterized in that: The risk management strategies and measures include but are not limited to risk limits, risk mitigation and risk diversification, and the decisions and operations include loan granting, loan rejection and loan limit adjustment.

7. A credit risk control decision-making method, characterized in that: include: S1. Receive decision requests, analyze target information, determine the authenticity of information provided by the target, and evaluate the credit rating of the target information; S2. If the information provided by the target is true, a risk control model is established based on internal data, external data and the target's credit rating; S3. Review the target credit information and assess the risk of the target credit information based on the risk control model; S4. Manage and control risks and formulate risk management strategies and measures; S5. Used to convert risk management strategies into specific operations and executions, and make corresponding decisions and operations based on risk assessment results and risk management strategies; S6. Monitor the target's repayment status to promptly identify and warn of potential risks.

8. A credit risk control decision-making method according to claim 7, characterized in that: The monitoring information includes the target's contact information, geographic information and behavioral information. The behavioral information includes the target's income and expenditure. The income includes but is not limited to operating income, salary income and investment income. The expenditure includes but is not limited to the target's consumer expenditure on purchasing services or products and other loan expenditures.

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