Real estate mortgage risk assessment method and device, electronic equipment and storage medium

Abstract

The invention provides a real estate mortgage risk assessment method and device, electronic equipment and a storage medium. The real estate mortgage risk assessment method comprises the following steps: firstly, acquiring real estate information of a mortgage real estate; and then evaluating a first estimated value of the mortgage real estate at the current time based on the real estate information. And obtaining a historical estimation value set of the mortgage real estate in a preset historical time period, and estimating a second estimation value of the mortgage real estate at the current time through a pre-constructed linear time sequence model based on the historical estimation value set. And finally, based on the first estimation value and the second estimation value, determining whether the mortgage real estate has a risk. Therefore, according to the method provided by the invention, the mortgage real estate is evaluated not only through the real estate information, but also according to the historical estimated value, so that accurate risk evaluation is carried out on the real estate guarantee, and the risk caused by fluctuation of the estimated value of the real estate guarantee can be effectively reduced.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to a method, device, electronic device and storage medium for real estate mortgage risk assessment. Background Art

[0002] In the process of banks lending to borrowers, the valuation of the borrower's real estate is an important indicator for lending. Real estate collateral, as a credit risk mitigation measure, is the most important risk prevention and control barrier for credit risk. If the real estate collateral cannot be realized smoothly or the realization is far from the assessed value, the credit guarantee capacity of the collateral will be greatly reduced.

[0003] In the existing technology, usually only the current valuation of the real estate mortgage is evaluated. When the valuation of the real estate mortgage changes dramatically, the value assessment of the real estate mortgage is likely to deviate greatly from the actual situation, making it difficult to conduct an accurate risk assessment of the real estate mortgage, which brings certain risks to the loan business. Summary of the invention

[0004] In view of this, the present application provides a method, device, electronic device and storage medium for real estate mortgage risk assessment to solve the problem in the prior art that it is difficult to accurately assess the risk of real estate mortgages, which brings certain risks to the loan business.

[0005] To achieve the above objectives, this application provides the following technical solutions:

[0006] The first aspect of the present application discloses a method for real estate mortgage risk assessment, comprising:

[0007] Obtain property information for mortgaged properties;

[0008] Evaluate a first valuation of the mortgaged property at the current time based on the property information;

[0009] Obtain a set of historical valuations of the mortgaged property within a preset historical time period;

[0010] Based on the historical valuation set, evaluating a second valuation of the mortgaged property at the current time by using a pre-built linear time series model;

[0011] Based on the first valuation and the second valuation, it is determined whether the mortgaged property is at risk.

[0012] Optionally, in the above method, determining whether the mortgaged property has a risk based on the first valuation and the second valuation includes:

[0013] Calculate and obtain a first ratio; wherein the first ratio is a ratio of the first estimate to the second estimate;

[0014] Determining the risk level of the mortgaged property based on the first ratio;

[0015] If the risk level is greater than a preset first threshold, it is determined that the mortgaged property is at risk;

[0016] If the risk level is not greater than the first threshold, it is determined that there is no risk in the mortgaged property.

[0017] Optionally, in the above method, the determining the risk level of the mortgaged property based on the first ratio further includes:

[0018] Based on the risk level, a loan risk prevention and control strategy corresponding to the risk level is determined.

[0019] Optionally, the above method further includes:

[0020] During the user's loan period, the mortgaged property is revalued according to a preset time period to obtain a revalued valuation;

[0021] Get the user's current loan balance;

[0022] A determination is made as to whether the mortgaged property is at risk based on the revaluation valuation and the loan balance.

[0023] Optionally, in the above method, determining whether the mortgaged property is at risk based on the revaluation valuation and the loan balance includes:

[0024] Calculate the difference between the revalued valuation and the loan balance, and calculate a second ratio; wherein the second ratio is the ratio of the difference to the revalued valuation;

[0025] comparing the second ratio with a preset second threshold;

[0026] If the second ratio is less than the second threshold, it is determined that the mortgaged property is at risk;

[0027] If the second ratio is not less than the second threshold, it is determined that the mortgaged property does not have any risk.

[0028] The second aspect of the present application discloses a device for real estate mortgage risk assessment, comprising:

[0029] A first acquisition unit, used to acquire real estate information of the mortgaged real estate;

[0030] A first evaluation unit, configured to evaluate a first valuation of the mortgaged property at a current time based on the property information;

[0031] A second acquisition unit is used to acquire a historical valuation set of the mortgaged property within a preset historical time period;

[0032] A second evaluation unit, configured to evaluate a second valuation of the mortgaged property at a current time based on the historical valuation set by using a pre-built linear time series model;

[0033] A first determining unit is configured to determine whether the mortgaged property has a risk based on the first valuation and the second valuation.

[0034] Optionally, in the above device, the determining unit includes:

[0035] A first calculation subunit, configured to calculate a first ratio; wherein the first ratio is a ratio of the first estimate to the second estimate;

[0036] A first determining subunit, configured to determine a risk level of the mortgaged property based on the first ratio;

[0037] A second determination subunit is used to determine that the mortgaged property has a risk if the risk level is greater than a preset first threshold;

[0038] The third determination subunit is used to determine that there is no risk in the mortgaged property if the risk level is not greater than the first threshold.

[0039] Optionally, the above device further includes:

[0040] The risk control unit is used to determine the loan risk prevention and control strategy corresponding to the risk level based on the risk level.

[0041] Optionally, the above device further includes:

[0042] A revaluation unit, used to revalue the mortgaged property according to a preset time period during the user's loan period to obtain a revalued valuation;

[0043] A third acquisition unit is used to acquire the current loan balance of the user;

[0044] The second determining unit is used to determine whether the mortgaged property has risks based on the revalued valuation and the loan balance.

[0045] Optionally, in the above device, the second determining unit includes:

[0046] A second calculation subunit is used to calculate the difference between the revalued valuation and the loan balance, and calculate a second ratio; wherein the second ratio is the ratio of the difference to the revalued valuation;

[0047] a comparing subunit, configured to compare the second ratio with a preset second threshold;

[0048] a fourth determination subunit, configured to determine that the mortgaged property is at risk if the second ratio is less than the second threshold;

[0049] The fifth determination subunit is used to determine that there is no risk in the mortgaged real estate if the second ratio is not less than the second threshold value.

[0050] The third aspect of the present application discloses an electronic device, comprising:

[0051] one or more processors;

[0052] a storage device having one or more programs stored thereon;

[0053] When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of the first aspects of the present application.

[0054] A fourth aspect of the present application discloses a computer storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the method described in any one of the first aspects of the present application is implemented.

[0055] It can be seen from the above technical scheme that in a method for assessing the risk of real estate mortgage provided by the present application, the real estate information of the mortgaged real estate is first obtained. Then, the first valuation of the mortgaged real estate at the current time is evaluated based on the real estate information. Then, a set of historical valuations of the mortgaged real estate within a preset historical time period is obtained, and based on the set of historical valuations, a second valuation of the mortgaged real estate at the current time is evaluated through a pre-built linear time series model. Finally, based on the first valuation and the second valuation, it is determined whether the mortgaged real estate has a risk. It can be seen that the method of the present application not only evaluates the mortgaged real estate through real estate information, but also evaluates the mortgaged real estate based on historical valuations, so as to accurately assess the risk of real estate mortgages, which can effectively reduce the risks caused by fluctuations in the valuation of real estate mortgages, and solve the problem that it is difficult to accurately assess the risk of real estate mortgages in the prior art, which brings certain risks to the loan business. BRIEF DESCRIPTION OF THE DRAWINGS

[0056] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying any creative work.

[0057] Figure 1A flow chart of a method for real estate mortgage risk assessment disclosed in an embodiment of the present application;

[0058] Figure 2 This is a flowchart of an implementation of step S105 disclosed in another embodiment of the present application;

[0059] Figure 3 A schematic diagram of a device for real estate mortgage risk assessment disclosed in another embodiment of the present application;

[0060] Figure 4 A schematic diagram of an electronic device disclosed in another embodiment of the present application. DETAILED DESCRIPTION

[0061] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0062] In this application, the terms "comprises", "comprising" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, an element defined by the sentence "comprising a ..." does not exclude the presence of other identical elements in the process, method, article or device comprising the element.

[0063] Furthermore, in this document, relational terms such as first and second, etc. are used only to distinguish one entity or operation from another entity or operation, but do not necessarily require or imply any such actual relationship or order between these entities or operations.

[0064] As can be seen from the background technology, in the existing technology, usually only the current valuation of the real estate mortgage is evaluated. When the valuation of the real estate mortgage changes drastically, the value assessment of the real estate mortgage is likely to deviate greatly from the actual situation, making it difficult to conduct an accurate risk assessment of the real estate mortgage, which brings certain risks to the loan business.

[0065] In view of this, the present application provides a method, device, electronic device and storage medium for real estate mortgage risk assessment to solve the problem in the prior art that it is difficult to accurately assess the risk of real estate mortgages, which brings certain risks to the loan business.

[0066] S101. Acquire the property information of the mortgaged property.

[0067] It should be noted that when conducting risk assessment on real estate mortgage, the real estate information of the mortgaged real estate is first obtained. The real estate information includes the project number, community name, community location name, house completion year, volume ratio, unit number, unit number, house number, owner information, co-owner information, building number, building number, house number, mortgaged real estate construction area, number of floors, total number of floors, orientation code, building type code, real estate decoration status type code, house unit type code, etc.

[0068] S102. Evaluate a first valuation of the mortgaged property at the current time based on the property information.

[0069] It should be noted that after obtaining the real estate information, the value of the current real estate is assessed based on the listing and transaction data of the real estate, combined with the house attribute data and transaction data, to obtain the first valuation C0 of the current real estate at the current time.

[0070] S103: Obtain a historical valuation set of the mortgaged property within a preset historical time period.

[0071] It should be noted that the historical valuation set of the mortgaged property within the preset historical time period can be set according to the actual situation, for example, 10 years, and the time interval can be set according to the time interval of day, ten days, month, quarter, year, etc. Assume that the starting time point is t′ m , the end time is t′1, then its historical valuation set is {B m ...B1}.

[0072] If the current property was built later than a certain time point in the preset time period, a reference assessment will be made based on the valuation of nearby properties in the community where the property is located as the historical valuation of the current property. The nearby properties are set by the preset reference property project number configured by the system.

[0073] S104. Based on the historical valuation set, a second valuation of the mortgaged property at the current time is evaluated using a pre-built linear time series model.

[0074] It should be noted that the historical valuation set of the mortgaged property is input into the pre-built linear time series model to make valuation predictions on the mortgaged property, and obtain the second valuation C′0 of the mortgaged property at the current time. The linear time series model can adopt an AR (Autoregressive model, autoregressive model) model, an MA (moving average model, moving average model) model, or an ARMA (Autoregressive Moving Average Model, autoregressive moving average model) model.

[0075] S105. Determine whether the mortgaged property is at risk based on the first valuation and the second valuation.

[0076] It should be noted that after obtaining the first valuation and the second valuation, it can be determined whether the mortgaged property has risks based on the difference between the first valuation and the second valuation. If there is a risk, a warning can be issued in time to remind the business personnel of the risk information of the current mortgaged property.

[0077] In a method for assessing the risk of real estate mortgage provided in an embodiment of the present application, first, the real estate information of the mortgaged real estate is obtained. Then, based on the real estate information, a first valuation of the mortgaged real estate at the current time is evaluated. Then, a set of historical valuations of the mortgaged real estate within a preset historical time period is obtained, and based on the set of historical valuations, a second valuation of the mortgaged real estate at the current time is evaluated through a pre-constructed linear time series model. Finally, based on the first valuation and the second valuation, it is determined whether the mortgaged real estate has a risk. It can be seen that the method of the present application not only evaluates the mortgaged real estate through the real estate information, but also evaluates the mortgaged real estate based on the historical valuation, so as to accurately assess the risk of the real estate mortgage, which can effectively reduce the risks caused by fluctuations in the valuation of the real estate mortgage, and solve the problem that it is difficult to accurately assess the risk of real estate mortgages in the prior art, which brings certain risks to the loan business.

[0078] Optionally, in another embodiment of the present application, an implementation of the above step S105 is as follows: Figure 2 As shown, it may include:

[0079] S201, calculating and obtaining a first ratio; wherein the first ratio is a ratio of a first estimate to a second estimate;

[0080] It should be noted that the first ratio γ=C0 / C″0 is calculated based on the first estimation and the second estimation.

[0081] S202: Determine the risk level of the mortgaged property based on the first ratio.

[0082] It should be noted that the intervals corresponding to different risk levels are pre-divided, for example, the risk level below 70% is 4, the risk level between 70% and 80% is 3, the risk level between 80% and 90% is 2, and the risk level above 90% is 1. Then, the risk level of the mortgaged property is determined based on the interval where the first ratio is located. For example, if the first ratio is 90%, the risk level of the mortgaged property is 1.

[0083] S203: If the risk level is greater than a preset first threshold, it is determined that the mortgaged property is at risk.

[0084] It should be noted that the first threshold can be set according to actual conditions, for example 3, that is, when the risk level is greater than 3, it is determined that the mortgaged property is at risk.

[0085] S204: If the risk level is not greater than the first threshold, it is determined that there is no risk in the mortgaged property.

[0086] Optionally, in another embodiment of the present application, after executing step S202, the following may also be included:

[0087] Based on the risk level, determine the loan risk prevention and control strategy corresponding to the risk level.

[0088] It should be noted that loan risk prevention and control strategies include but are not limited to:

[0089] 1. Adjust the loan term: usually the number of loan repayment periods n, and the repayment interval is generally once a month.

[0090] 2. Optional loan repayment methods: including but not limited to equal installments of principal and interest, equal installments of principal, interest first and principal later, or a combination of the above repayment methods (for example, only paying loan interest in the first x periods and equal installments of principal in subsequent periods).

[0091] 3. Control the loan down payment ratio α: Determine the down payment ratio of real estate mortgage loans based on the mortgage policies in different regions and the individual’s real estate and real estate loan holdings.

[0092] 4. Control mortgage interest rates: adjust loan interest rates within the policy range.

[0093] Depending on the risk level, different mortgage risk prevention and control strategies can be adopted to limit the risk of the loan. For example, when the risk level is high, the loan term can be reduced or the down payment ratio can be increased.

[0094] Optionally, in another embodiment of the present application, the above-mentioned real estate mortgage risk assessment method may further include:

[0095] During the user's loan period, the mortgaged property will be revalued according to the preset time period to obtain a revalued valuation.

[0096] Get the user's current loan balance.

[0097] Determine if the mortgaged property is risky based on the revaluation valuation and loan balance.

[0098] It should be noted that during the user's loan period, the mortgaged property is revalued according to the preset time period to obtain the revalued valuation C iThe time period can be set according to the actual situation, for example, the value is revalued on the repayment date of each month. The method of revaluation can be found in the above embodiment, which will not be described here. Then obtain the user's current loan balance L i , determine whether the mortgaged property is risky based on the difference between the revalued valuation and the loan balance.

[0099] Optionally, in another embodiment of the present application, an implementation method of the above step of determining whether the mortgaged property is at risk based on the revaluation valuation and the loan balance may include:

[0100] The difference between the revalued valuation and the loan balance is calculated, and a second ratio is calculated; wherein the second ratio is the ratio of the difference to the revalued valuation.

[0101] The second ratio is compared with a preset second threshold.

[0102] If the second ratio is less than the second threshold, it is determined that the mortgaged property is at risk.

[0103] If the second ratio is not less than the second threshold, it is determined that there is no risk in the mortgaged property.

[0104] It should be noted that the difference between the revaluation valuation and the loan balance is first calculated, and the second ratio (C i -L i ) / C i The second ratio is then compared with a preset second threshold, where the second threshold is a preset warning threshold, such as 10%. If the second ratio is less than the second threshold, it is determined that the mortgaged property is at risk; if the second ratio is not less than the second threshold, it is determined that the mortgaged property is not at risk.

[0105] Another embodiment of the present application also provides a device for real estate mortgage risk assessment, such as Figure 3 As shown, including:

[0106] The first acquisition unit 301 is used to acquire the real estate information of the mortgaged real estate.

[0107] The first evaluation unit 302 is used to evaluate a first valuation of the mortgaged property at a current time based on the property information.

[0108] The second acquisition unit 303 is used to acquire a historical valuation set of the mortgaged property within a preset historical time period.

[0109] The second evaluation unit 304 is used to evaluate the second valuation of the mortgaged property at the current time based on the historical valuation set through a pre-built linear time series model.

[0110] The first determination unit 305 is used to determine whether there is a risk in the mortgaged property based on the first valuation and the second valuation.

[0111] In this embodiment, the specific execution process of the first acquisition unit 301, the first evaluation unit 302, the second acquisition unit 303, the second evaluation unit 304 and the first determination unit 305 can be referred to the corresponding Figure 1 The content of the method embodiment will not be repeated here.

[0112] In a device for assessing the risk of real estate mortgage provided in an embodiment of the present application, first, the first acquisition unit 301 acquires the real estate information of the mortgaged real estate. Then, the first assessment unit 302 assesses the first valuation of the mortgaged real estate at the current time based on the real estate information. Then, the second acquisition unit 303 acquires a set of historical valuations of the mortgaged real estate within a preset historical time period, and the second assessment unit 304 assesses the second valuation of the mortgaged real estate at the current time based on the set of historical valuations through a pre-constructed linear time series model. Finally, the first determination unit 305 determines whether the mortgaged real estate has a risk based on the first valuation and the second valuation. It can be seen that the method of the present application not only assesses the mortgaged real estate through the real estate information, but also assesses the mortgaged real estate based on the historical valuation, so as to accurately assess the risk of the real estate mortgage, which can effectively reduce the risks caused by fluctuations in the valuation of the real estate mortgage, and solve the problem that it is difficult to accurately assess the risk of the real estate mortgage in the prior art, which brings certain risks to the loan business.

[0113] Optionally, in another embodiment of the present application, an implementation of the first determining unit 305 may include:

[0114] The first calculation subunit is used to calculate and obtain a first ratio; wherein the first ratio is a ratio of the first estimate to the second estimate.

[0115] The first determination subunit is used to determine the risk level of the mortgaged property based on the first ratio.

[0116] The second determination subunit is used to determine that the mortgaged property is at risk if the risk level is greater than a preset first threshold.

[0117] The third determination subunit is used to determine that there is no risk in the mortgaged real estate if the risk level is not greater than the first threshold.

[0118] In this embodiment, the specific execution process of the calculation subunit, the first determination subunit, the second determination subunit and the third determination subunit can be found in the corresponding method embodiments described above, and will not be repeated here.

[0119] Optionally, in another embodiment of the present application, the above-mentioned real estate mortgage risk assessment device may further include:

[0120] The risk control unit is used to determine the loan risk prevention and control strategy corresponding to the risk level based on the risk level.

[0121] In this embodiment, the specific execution process of the wind control unit can refer to the corresponding method embodiment content above, which will not be repeated here.

[0122] Optionally, in another embodiment of the present application, the above-mentioned real estate mortgage risk assessment device may further include:

[0123] The revaluation unit is used to revalue the mortgaged property according to a preset time period during the user's loan period to obtain a revalued valuation.

[0124] The third acquisition unit is used to acquire the current loan balance of the user.

[0125] The second determination unit is used to determine whether the mortgaged property has risks based on the revaluation valuation and the loan balance.

[0126] In this embodiment, the specific execution process of the revaluation unit, the third acquisition unit and the second determination unit can refer to the corresponding method embodiments described above, which will not be repeated here.

[0127] Optionally, in another embodiment of the present application, an implementation of the above-mentioned second determination unit may include.

[0128] The second calculation subunit is used to calculate the difference between the revalued valuation and the loan balance, and calculate a second ratio; wherein the second ratio is the ratio of the difference to the revalued valuation.

[0129] The comparison subunit is used to compare the second ratio with a preset second threshold.

[0130] a fourth determination subunit, configured to determine that the mortgaged property is at risk if the second ratio is less than a second threshold;

[0131] The fifth determination subunit is used to determine that there is no risk in the mortgaged real estate if the second ratio is not less than a second threshold value.

[0132] Another embodiment of the application also provides an electronic device, such as Figure 4 As shown, specifically including:

[0133] One or more processors 401 .

[0134] The storage device 402 stores one or more programs.

[0135] When one or more programs are executed by one or more processors 401 , the one or more processors 401 implement any one of the methods in the above embodiments.

[0136] Another embodiment of the present application further provides a computer storage medium on which a computer program is stored, wherein when the computer program is executed by a processor, any one of the methods in the above embodiments is implemented.

[0137] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can refer to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system or system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can refer to the partial description of the method embodiment. The system and system embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without creative work.

[0138] Professionals may further appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in the above description according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians may use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0139] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present invention. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, the present application will not be limited to the embodiments shown herein, but will conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A method for real estate mortgage risk assessment, characterized in that: include: Obtain property information for mortgaged properties; Evaluate a first valuation of the mortgaged property at the current time based on the property information; Obtain a set of historical valuations of the mortgaged property within a preset historical time period; Based on the historical valuation set, evaluating a second valuation of the mortgaged property at the current time by using a pre-built linear time series model; Based on the first valuation and the second valuation, it is determined whether the mortgaged property is at risk.

2. The method according to claim 1, characterized in that The determining whether the mortgaged property has a risk based on the first valuation and the second valuation includes: Calculate and obtain a first ratio; wherein the first ratio is a ratio of the first estimate to the second estimate; Determining the risk level of the mortgaged property based on the first ratio; If the risk level is greater than a preset first threshold, it is determined that the mortgaged property is at risk; If the risk level is not greater than the first threshold, it is determined that there is no risk in the mortgaged property.

3. The method according to claim 2, characterized in that The step of determining the risk level of the mortgaged property based on the first ratio further includes: Based on the risk level, a loan risk prevention and control strategy corresponding to the risk level is determined.

4. The method according to claim 1, characterized in that: Also includes: During the user's loan period, the mortgaged property is revalued according to a preset time period to obtain a revalued valuation; Get the user's current loan balance; A determination is made as to whether the mortgaged property is at risk based on the revaluation valuation and the loan balance.

5. The method according to claim 4, characterized in that The determining whether the mortgaged property is at risk based on the revaluation valuation and the loan balance includes: Calculate the difference between the revalued valuation and the loan balance, and calculate a second ratio; wherein the second ratio is the ratio of the difference to the revalued valuation; comparing the second ratio with a preset second threshold; If the second ratio is less than the second threshold, it is determined that the mortgaged property is at risk; If the second ratio is not less than the second threshold, it is determined that the mortgaged property does not have any risk.

6. A device for real estate mortgage risk assessment, characterized in that: include: A first acquisition unit, used to acquire real estate information of the mortgaged real estate; A first evaluation unit, configured to evaluate a first valuation of the mortgaged property at a current time based on the property information; A second acquisition unit is used to acquire a historical valuation set of the mortgaged property within a preset historical time period; A second evaluation unit, configured to evaluate a second valuation of the mortgaged property at a current time based on the historical valuation set by using a pre-built linear time series model; A first determining unit is configured to determine whether the mortgaged property has a risk based on the first valuation and the second valuation.

7. The device according to claim 6, characterized in that The determining unit comprises: A first calculation subunit, configured to calculate a first ratio; wherein the first ratio is a ratio of the first estimate to the second estimate; A first determining subunit, configured to determine a risk level of the mortgaged property based on the first ratio; A second determination subunit is used to determine that the mortgaged property has a risk if the risk level is greater than a preset first threshold; The third determination subunit is used to determine that there is no risk in the mortgaged property if the risk level is not greater than the first threshold.

8. The device according to claim 6, characterized in that Also includes: A revaluation unit, used to revalue the mortgaged property according to a preset time period during the user's loan period to obtain a revalued valuation; A third acquisition unit is used to acquire the current loan balance of the user; The second determining unit is used to determine whether the mortgaged property has risks based on the revalued valuation and the loan balance.

9. An electronic device, characterized in that: include: one or more processors; a storage device having one or more programs stored thereon; When the one or more programs are executed by the one or more processors, the one or more processors are enabled to implement the method according to any one of claims 1 to 5.

10. A computer storage medium, characterized in that: A computer program is stored thereon, wherein when the computer program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

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