Loan overdue monitoring and early warning system based on data analysis

Through a loan overdue monitoring and early warning system based on data analysis, multiple data of loan customers are collected and analyzed, and personalized risk assessment indicators are calculated, which solves the problem of the existing system ignoring individual differences and achieves a more accurate and personalized Early warning and risk management.

CN119494722APending Publication Date: 2025-02-21GUANGZHOU METRO MICROFINANCE CO LTD
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Patent Information

Application Number
CN202411634579.7
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2024-11-15
Publication Date
2025-02-21

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Abstract

The invention relates to the technical field of artificial intelligence, and particularly discloses a loan overdue monitoring and early warning system based on data analysis, and the system comprises a loan data collection module which is used for collecting repayment behavior data, loan transaction data and personal information data of a loan customer; the overdue risk value analysis module is used for processing to obtain a credit evaluation index of the loan customer, processing to obtain a repayment stability evaluation index of the loan customer, and comprehensively analyzing to obtain an overdue risk value of the loan customer; and the early warning module is used for carrying out early warning operation according to the overdue risk value of the loan customer. According to the loan overdue monitoring and early warning system based on data analysis provided by the invention, an institution is helped to identify customers possibly having default risks in advance, so that preventive measures are taken to reduce loan loss, credit resources can be configured more reasonably, the quality of an overall loan combination is improved, and the loan efficiency is improved. And market changes and risk challenges are further handled.
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Citation Information

Patent Citations

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    CN111340611B

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