Financial risk intelligent assessment control method

Abstract

The invention relates to the technical field of financial risk intelligent assessment control, and discloses a financial risk intelligent assessment control method, which comprises the steps of receiving a loan application of a target customer, obtaining a loan amount of a to-be-approved loan, obtaining personal information of the target customer after the target customer authorizes, and sending the personal information to the target customer; the method comprises the steps of obtaining historical loan records of a target customer according to personal information of the target customer, obtaining data of the historical loan records of the target customer, judging loan risks of the target customer according to repayment data of the historical loan records of the target customer, and judging the loan risks of the target customer according to personal fixed assets of the target customer and the historical loan records. Judging the loan risk of the target customer and the financial risk of the target customer by combining the loan amount, the loan age limit and the repayment data of the historical loan record of the to-be-approved loan of the target customer and the income condition and the expenditure condition of the target customer in the next year; the method can accurately and efficiently evaluate the financial risk of the customer.

Description

Technical Field

[0001] The present invention relates to the technical field of intelligent financial risk assessment and control, and in particular to a method for intelligent financial risk assessment and control. Background Art

[0002] Traditional financial risk intelligent assessment and control methods need to rely on manual labor, but have the disadvantages of low efficiency, high labor costs and strong subjectivity. It is difficult to cope with the processing needs of large-scale data and cannot quickly generate risk assessment results, resulting in low processing efficiency. In order to meet these challenges, a financial risk intelligent assessment and control method is particularly important.

[0003] Existing intelligent financial risk assessment and control methods often only rely on data such as customers' basic personal information and historical loan records. These data can only reflect some of the customer's risk characteristics. However, relying only on data such as customers' basic personal information and historical loan records ignores the customer's income and expenditure, resulting in a certain one-sidedness in risk assessment and an inability to comprehensively and accurately assess the customer's financial risks.

[0004] When assessing a customer's financial risk, the existing intelligent financial risk assessment and control methods only judge the customer's cash flow ability based on the customer's historical expenditure and historical income, without combining the customer's applied loan amount and the outstanding amount of historical loans. Therefore, it is impossible to judge the customer's actual repayment ability, resulting in inaccurate risk assessment of the system and incomplete risk assessment of the customer.

[0005] Traditional financial risk intelligent assessment and control methods can only conduct qualitative analysis of individual risk factors, and lack the means to quantify the customer's comprehensive risk value. It is difficult to integrate these characteristics into a comprehensive risk score, and therefore it is impossible to form a comprehensive and quantifiable risk score. This makes the loan approval process lack standardization, and it is easy for subjective factors to lead to improper risk control, resulting in a lack of unified standards for loan decisions. Summary of the invention

[0006] The present invention provides a financial risk intelligent assessment and control method for promoting the solution of the problems mentioned in the above background technology.

[0007] The present invention provides the following technical solution: a financial risk intelligent assessment and control method, characterized in that it includes:

[0008] Record customers who apply for loans as target customers;

[0009] Receive loan applications from target customers;

[0010] Record the loans applied for by target customers as pending approval loans;

[0011] Get the loan amount of the loan to be approved, and record the loan amount as W;

[0012] The loan amount includes the principal and interest of the loan;

[0013] After authorization by target customers;

[0014] Obtain historical loan records of target customers;

[0015] If the target customer has no historical loan record, the target customer's loan application will be manually reviewed;

[0016] If the target customer has a historical loan record, obtain the data of the target customer's historical loan record;

[0017] The data of the historical loan records include the loan amount, loan term and repayment data;

[0018] Determine the target customer's loan risk based on the repayment data of the target customer's historical loan records;

[0019] Acquire the personal fixed assets of target customers;

[0020] Determine the loan risk of target customers based on their personal fixed assets and historical loan records;

[0021] Obtain target customers’ income and expenditure information in the past year;

[0022] Determine the target customer's loan risk by combining the target customer's pending loan amount, loan term, historical loan repayment data, and the target customer's income and expenditure in the past year;

[0023] Determine the financial risk of target customers based on their loan risk.

[0024] Optionally, the loan risk of the target customer is determined based on the repayment data of the target customer's historical loan records, specifically:

[0025] The repayment data includes the repaid amount, the unpaid amount, the prescribed repayment time and the actual repayment time;

[0026] If the target customer has a historical loan record;

[0027] Historical loan records for target customers;

[0028] If the target customer's historical loan records contain loan records with an outstanding amount equal to 0;

[0029] Then the target customer is marked as having a type of risk, and the risk value of the type of risk is recorded as P;

[0030] Record the loan records with unpaid amount equal to 0 as a type of loan;

[0031] A type of loan for targeted customers;

[0032] Randomly select a type of loan from a target customer;

[0033] When there is no overdue repayment record in the repayment record of the target customer's first type of loan;

[0034] Let the risk value of a type of risk of the target customer be P = P1;

[0035] The overdue repayment record specifically refers to the actual repayment time of the loan being later than the prescribed repayment time, and the time difference between the actual repayment time and the prescribed repayment time is greater than 3 days;

[0036] When there is a record of overdue repayment in the repayment record of a type of loan of the target customer;

[0037] Obtain the number of overdue payments and loan term of a selected type of loan;

[0038] Calculate the ratio of the number of overdue payments of a selected type of loan to the value of the loan term, and record the ratio as A1;

[0039] When A1 is less than 6, and there is a record of overdue repayment in the selected type of loans, and the time difference between the actual repayment time corresponding to the overdue repayment record and the prescribed repayment time is less than or equal to 60 days;

[0040] Let the risk value of the target customer's first risk be P = P2;

[0041] When A1 is less than 6, and there is overdue repayment in the selected type of loans, the time difference between the actual repayment time corresponding to the overdue repayment and the stipulated repayment time is greater than 60 days;

[0042] Note that the risk value of the target customer's first risk is P = P3;

[0043] When A1≥6, and there is a record of overdue repayment in the selected type of loans, and the time difference between the actual repayment time corresponding to the overdue repayment record and the prescribed repayment time is less than or equal to 60 days;

[0044] Note that the risk value of the target customer's first risk is P = P4;

[0045] When A1≥6, and there is a record of overdue repayment in the selected type of loans, and the time difference between the actual repayment time corresponding to the overdue repayment record and the stipulated repayment time is greater than 60 days;

[0046] Note that the risk value of the target customer's first risk is P = P5;

[0047] Among them, P1<P2<P3=P4<P5.

[0048] Optionally, the loan risk of the target customer is determined based on the target customer's personal fixed assets and historical loan records, specifically:

[0049] Record the loan records with unpaid amount not equal to 0 as Class II loans;

[0050] If the target customer has a Category II loan in his / her historical loan record;

[0051] Get the sum of the outstanding amounts of the second type of loans, the total amount is A;

[0052] Obtain the total value of the target customer's personal fixed assets, which is recorded as B;

[0053] The personal fixed assets specifically refer to the equipment and real estate owned by the individual for production, living and entertainment;

[0054] Set the amount threshold Z1;

[0055] If B-(A+W)≤Z1;

[0056] Then the target customer is marked as having a second-class risk, and the risk value of the second-class risk is recorded as Q;

[0057] If 0<B-(A+W)≤Z1;

[0058] The risk value of the second type of risk of the target customer is Q = Q1;

[0059] If B-(A+W)≤0;

[0060] The risk value of the second type of risk of the target customer is Q = Q2;

[0061] Where Q1<Q2.

[0062] Optionally, the acquisition of the target customer's income and expenditure in the past year is specifically as follows:

[0063] Obtain the target customer's monthly income and expenditure in the past year;

[0064] Obtain the amount of necessary expenditure from the monthly expenditure of target customers in the past year;

[0065] The necessary expenses are specifically those spent on food, utility bills, transportation, health care, loan repayments, and education;

[0066] The income amounts of the first month, second month, third month, and twelfth month of the year are recorded as I1, I2, I3, and I 12 ;

[0067] If the target customer has a Category II loan in his / her historical loan record;

[0068] For Category II loans;

[0069] Obtain the repayment month and monthly repayment amount of each second-class loan;

[0070] Calculate the total theoretical repayment amount of the target customers' second-category loans each month in the next year, and record them as Y1, Y2, Y3, ... Y 12 ;

[0071] Y1 is the theoretical repayment amount of the second-category loan of target customers in the first month of the next year, and Y 12 The sum of the theoretical repayment amounts of the second category loans of target customers in the twelfth month of the next year;

[0072] The amount of necessary expenditure of the target customer in the first month, second month, third month, ... 12th month in the past year, excluding the loan repayment, is recorded as E1, E2, E3, ... E 12 ;

[0073] Get the loan amount W of the target customer's pending loan approval;

[0074] Get the loan term of the target customer's pending loan and record the loan term as F;

[0075] The loan risk of the target customer is determined by combining the loan amount, loan term, repayment data of historical loan records, and the target customer's income and expenditure in the past year.

[0076] Optionally, the loan risk of the target customer is determined by combining the loan amount, loan term, repayment data of historical loan records, and income and expenditure of the target customer in the past year, specifically:

[0077] Calculate the target customer's monthly repayment amount X, which is X = W ÷ F ÷ 12;

[0078] Calculate the target customer's theoretical monthly remaining amount N1, N2, N3...N 12 ;

[0079] The specific calculation is N1 = I1-E1-X-Y1, N2 = I2-E2-X-Y2, N3 = I3-E3-X-Y3...N 12 =I 12 -E 12 -XY 12 ;

[0080] Set the monthly theoretical remaining amount threshold N;

[0081] Compare N1, N2, N3, ... N respectively12 and the size of N;

[0082] If N1, N2, N3...N 12 Not all are greater than N;

[0083] Then the target customers are marked as having three types of risks, and the risk values ​​of the three types of risks are recorded as R.

[0084] Optionally, judging the loan risk of the target customer by combining the loan amount, loan term, repayment data of historical loan records of the target customer's pending loan, and the target customer's income and expenditure in the past year, further includes:

[0085] Get N1, N2, N3, ... N 12 The number of which is less than or equal to N;

[0086] If 0<N1、N2、N3……N 12 The number of values ​​less than or equal to N is less than 2;

[0087] Calculate the average of the target customer's necessary expenses in the first, second, and third months of the past year, excluding the amount of loan repayments. The average is recorded as C1, C1 = (E1 + E2 + E3) ÷ 3;

[0088] Calculate the average of the target customer's necessary expenses in the fourth, fifth, and sixth months of the past year, excluding the amount of loan repayments. The average is recorded as C2, C2 = (E1 + E2 + E3) ÷ 3;

[0089] Calculate the average of the target customer's necessary expenses in the seventh, eighth, and ninth months of the past year, excluding the amount of loan repayments. The average is recorded as C3, C3 = (E1 + E2 + E3) ÷ 3;

[0090] Calculate the average of the target customer's necessary expenditures in the tenth, eleventh, and twelfth months of the past year, excluding the amount of loan repayments. The average is recorded as C4, C4 = (E1 + E2 + E3) ÷ 3;

[0091] If C1≤C2<C3<C4 or C4-C3>M, M is a fixed value;

[0092] Keep in mind that the necessary expenditures of target customers have gradually increased in the past year;

[0093] Note that the risk value of the three types of risks of the target customer is R=R1;

[0094] If the target customer’s necessary expenditures have not gradually increased in the past year;

[0095] Note that the risk value of the three types of risks of the target customer is R=R2;

[0096] N1, N2, N3...N 12 The number of values ​​less than or equal to N is greater than 2;

[0097] Let the risk value of the three types of risks of the target customers be R=R3, where R2<R1<R3.

[0098] Optionally, judging the financial risk of the target customer based on the loan risk of the target customer is specifically:

[0099] When the target customer does not have a type of risk, the target customer's pending loans will be manually reviewed;

[0100] When the target customer does not have the second type of risk, Q = 0;

[0101] When the target customer does not have any of the three types of risks, R = 0;

[0102] When the target customer has a type of risk, calculate the total risk value of the target customer and record the total risk value as D;

[0103] The total risk value is the sum of the first-class risk value P, the second-class risk value Q and the third-class risk value R;

[0104] If the target customers have type 1 risk, type 2 risk and type 3 risk;

[0105] And the risk value of the target customer's first risk is P = P4, the risk value of the second risk is Q = Q1, and the risk value of the third risk is R = R3;

[0106] Then the total risk value of the target customer is D = P4 + Q1 + R3;

[0107] Set the risk threshold Z2;

[0108] If D ≥ Z2, the target customer's loan application for pending approval will be rejected;

[0109] If D<Z2, the target customer's loan application for pending loan approval is approved.

[0110] The present invention has the following beneficial effects:

[0111] 1. This financial risk intelligent assessment and control method uses automated technical means to automatically obtain the customer's personal information after the customer's authorization, and automatically obtains and analyzes the target customer's historical loan records, income and expenditure data based on the customer's personal information. The whole process becomes more efficient and greatly reduces manual intervention; this not only saves labor costs, but also greatly reduces operational risks and subjective judgment deviations.

[0112] 2. This intelligent financial risk assessment and control method not only relies on the customer's historical loan records, but also combines multi-dimensional data such as personal fixed assets, income and expenditure for comprehensive assessment. This multi-level risk assessment can comprehensively analyze the customer's credit rating. By combining data from different dimensions, the system can more accurately predict the customer's loan risk and construct a three-dimensional and complete customer risk assessment.

[0113] 3. When analyzing the customer's historical loan records, the intelligent financial risk assessment and control method divides the customer's historical loans into Category I loans and Category II loans based on whether the loan repayment has been completed. By obtaining the record of overdue repayments in Category I loans, the customer's overdue repayments are divided into different types. The risk value of the customer's Category I risk is judged according to the different types of overdue repayments, and the customer's loan risk is judged according to the size of the risk value. The larger the risk value, the higher the customer's loan risk. This method can more accurately identify the level of the customer's loan risk and avoid treating customers who occasionally have a small-scale overdue payment the same as customers who have frequent and serious overdue payments. This function can better identify potential high-risk customers and ensure that loan approval agencies make more accurate decisions when approving customers' loans to avoid unnecessary financial losses.

[0114] 4. This intelligent financial risk assessment and control method, when analyzing the customer's income and expenditure, calculates the difference between the customer's monthly income in the past year and the monthly necessary expenditure excluding loan repayments, predicts the customer's actual monthly available funds, and then compares the actual monthly available funds with the monthly expenditure for loan repayments to determine the customer's repayment ability; this method can provide a more accurate assessment of the customer's repayment ability, determine the customer's loan risk based on the customer's repayment ability, thereby enriching the customer's risk profile, and helping loan approval agencies make more scientific and reasonable decisions when approving customers' loan applications.

[0115] 5. The intelligent financial risk assessment and control method divides loan risks into Category I, Category II and Category III risks. The risk value of Category I risk is determined based on the repayment record of the customer's Category I loan, the risk value of Category II risk is determined based on the customer's personal fixed assets, the outstanding amount of the customer's Category II loan and the loan amount of the loan to be approved, and the risk value of Category III risk is determined based on the customer's actual available funds, thereby forming a comprehensive and quantifiable risk score. This standardizes the loan approval process, and this multi-level risk classification method helps loan approval agencies to comprehensively obtain customer risk profiles from different angles, thereby improving the comprehensiveness and accuracy of risk assessment. BRIEF DESCRIPTION OF THE DRAWINGS

[0116] Figure 1 It is a schematic diagram of the process of the present invention. DETAILED DESCRIPTION

[0117] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0118] Embodiment 1, a financial risk intelligent assessment and control method, characterized by comprising:

[0119] Record customers who apply for loans as target customers;

[0120] Receive loan applications from target customers;

[0121] Record the loans applied for by target customers as pending approval loans;

[0122] Get the loan amount of the loan to be approved, and record the loan amount as W;

[0123] The loan amount includes the principal and interest of the loan. The loan amount is determined based on the type of loan applied for by the customer and the amount of the principal. The loan amount is the total amount that the customer should eventually repay, including the principal and the interest generated;

[0124] After authorization by target customers;

[0125] Obtain historical loan records of target customers;

[0126] If the target customer has no historical loan record, the loan application of the target customer will be manually reviewed. In the absence of a historical loan record, the loan approval agency cannot obtain the customer's credit information, so the system cannot make a risk judgment and will be manually reviewed instead;

[0127] If the target customer has a historical loan record, obtain the data of the target customer's historical loan record;

[0128] The data of the historical loan records include the loan amount, loan term and repayment data;

[0129] Determine the target customer's loan risk based on the repayment data of the target customer's historical loan records;

[0130] Acquire the personal fixed assets of target customers;

[0131] Determine the loan risk of target customers based on their personal fixed assets and historical loan records;

[0132] Obtain target customers’ income and expenditure information in the past year;

[0133] Determine the target customer's loan risk by combining the target customer's pending loan amount, loan term, historical loan repayment data, and the target customer's income and expenditure in the past year;

[0134] Determine the financial risk of target customers based on their loan risk.

[0135] The loan risk of the target customer is determined based on the repayment data of the target customer's historical loan records, specifically:

[0136] The repayment data includes the repaid amount, the unpaid amount, the prescribed repayment time and the actual repayment time;

[0137] If the target customer has a historical loan record;

[0138] Historical loan records for target customers;

[0139] If there is a loan record with an outstanding amount equal to 0 in the target customer's historical loan records, that is, the loan has been fully repaid;

[0140] Then the target customer is marked as having a type of risk, and the risk value of the type of risk is recorded as P;

[0141] Record the loan records with unpaid amount equal to 0 as a type of loan;

[0142] A type of loan for targeted customers;

[0143] Randomly select a type of loan from a target customer;

[0144] When there is no overdue repayment record in the target customer's first-class loan repayment record, it means that the customer has a good credit record, a stable source of income and a low risk of default;

[0145] The risk value of the target customer's first risk is P = P1. This type of customer has the lowest risk value among all risks.

[0146] The overdue repayment record specifically refers to the actual repayment time of the loan being later than the prescribed repayment time, and the time difference between the actual repayment time and the prescribed repayment time is greater than 3 days;

[0147] When there is a record of overdue repayment in the repayment record of a target customer's first type of loan, the customer's risk value should be determined based on the number of overdue repayments and the time of overdue repayments;

[0148] Obtain the number of overdue payments and loan term of a selected type of loan;

[0149] Calculate the ratio of the number of overdue payments of a selected type of loan to the value of the loan term, and record the ratio as A1, where A1 represents the average number of overdue payments accumulated by the customer each year during the loan repayment period;

[0150] When A1<6, it means that the average number of overdue repayments per year during the loan repayment period is less than 6, and there is an overdue repayment record in the selected loan category, and the time difference between the actual repayment time corresponding to the overdue repayment record and the prescribed repayment time is less than or equal to 60 days;

[0151] Let the risk value of the target customer's first risk be P = P2;

[0152] When A1<6, it means that the average number of overdue repayments per year during the loan repayment period is less than 6, and there are overdue repayments in the selected type of loans, and the time difference between the actual repayment time and the stipulated repayment time corresponding to the overdue repayment is greater than 60 days;

[0153] Note that the risk value of the target customer's first risk is P = P3;

[0154] When A1≥6, it means that the average number of overdue repayments per year during the loan repayment period is greater than or equal to 6, and there is an overdue repayment record in the selected loan category, and the time difference between the actual repayment time corresponding to the overdue repayment record and the prescribed repayment time is less than or equal to 60 days;

[0155] Note that the risk value of the target customer's first risk is P = P4;

[0156] When A1≥6, it means that the average number of overdue repayments per year during the loan repayment period is greater than or equal to 6, and there is an overdue repayment record in the selected loan category, and the time difference between the actual repayment time corresponding to the overdue repayment record and the prescribed repayment time is greater than 60 days;

[0157] Record the risk value of the target customer's first-class risk as P=P5; by obtaining the records of overdue repayments in a class of loans, classify the customer's overdue repayments into different types, judge the risk value of the customer's first-class risk according to the different types of overdue repayments, and judge the customer's loan risk according to the size of the risk value. The larger the risk value, the higher the customer's loan risk; this method can more accurately identify the level of the customer's loan risk, and avoid treating customers who occasionally have a small-scale overdue payment the same as customers who frequently have serious overdue payments; this function can better identify potential high-risk customers, ensure that loan approval agencies make more accurate decisions when approving customers' loans, and avoid unnecessary financial losses;

[0158] Among them, P1<P2<P3=P4<P5, and the larger the risk value, the higher the loan risk of the customer.

[0159] The loan risk of the target customer is determined based on the target customer's personal fixed assets and historical loan records, specifically:

[0160] Record the loan records with unpaid amounts not equal to 0 as Class II loans, i.e., loans that have not been fully repaid;

[0161] If the target customer has a Category II loan in his / her historical loan record;

[0162] Get the sum of the outstanding amounts of the second type of loans, the total amount is A;

[0163] Obtain the total value of the target customer's personal fixed assets, which is recorded as B;

[0164] The personal fixed assets specifically refer to the equipment and real estate owned by the individual for production, living and entertainment;

[0165] Set the amount threshold Z1. The amount threshold Z1 is used to judge the customer's personal fixed assets and liabilities. When the difference between the customer's personal fixed assets and the total amount of the customer's outstanding balance is greater than the amount threshold Z1, it means that the customer has a strong asset guarantee amount and a low loan risk. When the difference between the customer's personal fixed assets and the total amount of the customer's outstanding balance is less than or equal to the amount threshold Z1, it means that the customer has a weak asset guarantee amount and a high loan risk.

[0166] If B-(A+W)≤Z1, that is, the difference between the customer's personal fixed assets and the sum of the customer's outstanding amount is less than or equal to the amount threshold Z1, it means that the customer has weak asset guarantee capacity and high loan risk;

[0167] Then the target customer is marked as having a second-class risk, and the risk value of the second-class risk is recorded as Q;

[0168] If 0<B-(A+W)≤Z1, although the difference between the customer's personal fixed assets and the total amount of the customer's outstanding amount is less than or equal to the amount threshold Z1, the customer's personal fixed assets are sufficient to cover the total amount of his outstanding amount;

[0169] The risk value of the second type of risk of the target customer is Q = Q1;

[0170] If B-(A+W)≤0, it means that the customer's personal fixed assets are insufficient to cover the total amount of his / her outstanding amount, and the loan risk is extremely high;

[0171] Note that the risk value of the second type of risk of the target customer is Q = Q2;

[0172] Among them, Q1<Q2, the larger the risk value, the higher the loan risk of the customer.

[0173] The acquisition of the target customer's income and expenditure in the past year is specifically as follows:

[0174] Obtain the target customer's monthly income and expenditure in the past year;

[0175] Obtain the amount of necessary expenditure from the monthly expenditure of target customers in the past year;

[0176] The necessary expenses are specifically those spent on food, utility bills, transportation, health care, loan repayments, and education, i.e., the necessary expenses are unavoidable in the client’s monthly expenses;

[0177] The income amounts of the first month, second month, third month, and twelfth month of the year are recorded as I1, I2, I3, and I 12 ;

[0178] If the target customer has a Category II loan in his / her historical loan record;

[0179] For Category II loans;

[0180] Obtain the repayment month and monthly repayment amount of each second-class loan;

[0181] Calculate the total theoretical repayment amount of the target customers' second-category loans each month in the next year, and record them as Y1, Y2, Y3, ... Y 12 ;

[0182] Y1 is the theoretical repayment amount of the second-category loan of target customers in the first month of the next year, and Y 12 The sum of the theoretical repayment amounts of the second category loans of target customers in the twelfth month of the next year;

[0183] The amount of necessary expenditure of the target customer in the first month, second month, third month, ... 12th month in the past year, excluding the loan repayment, is recorded as E1, E2, E3, ... E 12 By calculating loan repayments separately, loan approval agencies can see more clearly the remaining liquidity of customers after deducting loan repayments; this helps loan approval agencies identify customers who have high incomes but insufficient remaining liquidity due to high loan repayments, thereby better identifying customers' loan risks;

[0184] Get the loan amount W of the target customer's pending loan approval;

[0185] Get the loan term of the target customer's pending loan and record the loan term as F;

[0186] The loan risk of the target customer is determined by combining the loan amount, loan term, repayment data of historical loan records, and the target customer's income and expenditure in the past year.

[0187] The loan risk of the target customer is determined by combining the loan amount, loan term, repayment data of historical loan records, and the target customer's income and expenditure in the past year, specifically:

[0188] Calculate the target customer's monthly repayment amount X, which is X = W ÷ F ÷ 12;

[0189] Calculate the target customer's theoretical monthly remaining amount N1, N2, N3...N 12 ;

[0190] The specific calculation is N1 = I1-E1-X-Y1, N2 = I2-E2-X-Y2, N3 = I3-E3-X-Y3...N 12 =I 12 -E 12 -XY 12 ; Calculate the difference between the customer's monthly income in the past year and the monthly necessary expenses excluding loan repayments, predict the customer's actual monthly available funds, and then compare the actual monthly available funds with the monthly loan repayment expenses to determine the customer's repayment ability;

[0191] Set a monthly theoretical remaining amount threshold N. The monthly theoretical remaining amount threshold N is used to judge the customer's repayment ability. When the customer's monthly theoretical remaining amount is greater than the monthly theoretical remaining amount threshold N, it means that the customer's actual available funds each month are sufficient to repay the loan, and the customer has a strong repayment ability and a low loan risk. When the customer's monthly theoretical remaining amount is less than or equal to the monthly theoretical remaining amount threshold N, it means that the customer's actual available funds each month cannot repay the loan, and the customer has a weak repayment ability and a high loan risk.

[0192] Compare N1, N2, N3, ... N respectively 12 and the size of N;

[0193] If N1, N2, N3...N 12 Not all greater than N, which means that there are months when the customer's monthly theoretical remaining balance is less than or equal to the monthly theoretical remaining balance threshold N, and the customer has no repayment ability in this month;

[0194] Then the target customers are marked as having three types of risks, and the risk values ​​of the three types of risks are recorded as R.

[0195] The determination of the target customer's loan risk by combining the target customer's pending loan amount, loan term, repayment data of historical loan records, and the target customer's income and expenditure in the past year also includes:

[0196] Get N1, N2, N3, ... N12 The number of which is less than or equal to N;

[0197] If 0<N1、N2、N3……N 12 The number of numbers less than or equal to N is less than 2, which means that there are months when the monthly theoretical remaining amount of the customer is less than or equal to the monthly theoretical remaining amount threshold N, and the customer has no repayment ability in this month, but the number is small, so the loan risk is low;

[0198] Calculate the average of the target customer's necessary expenses in the first, second, and third months of the past year, excluding the amount of loan repayments. The average is recorded as C1, C1 = (E1 + E2 + E3) ÷ 3;

[0199] Calculate the average of the target customer's necessary expenses in the fourth, fifth, and sixth months of the past year, excluding the amount of loan repayments. The average is recorded as C2, C2 = (E1 + E2 + E3) ÷ 3;

[0200] Calculate the average of the target customer's necessary expenses in the seventh, eighth, and ninth months of the past year, excluding the amount of loan repayments. The average is recorded as C3, C3 = (E1 + E2 + E3) ÷ 3;

[0201] Calculate the average of the target customer's necessary expenditures in the tenth, eleventh, and twelfth months of the past year, excluding the amount of loan repayments. The average is recorded as C4, C4 = (E1 + E2 + E3) ÷ 3;

[0202] If C1≤C2<C3<C4, it means that the customer's necessary expenditure is gradually increasing, so the actual available funds are decreasing, so the risk is high; or C4-C3>M, M is a fixed value. The fixed value M is used to determine whether the customer's necessary expenditure in the tenth, eleventh, and twelfth months of the past year has a surge compared to the customer's necessary expenditure in the seventh, eighth, and ninth months of the past year. If C4-C3>M, it means there is a surge, which means that the customer's necessary expenditure has suddenly increased, so the actual available funds are decreasing, so the risk is high; if C4-C3≤M, it means there is no surge, which means that the customer's necessary expenditure has not suddenly increased, so the risk is low;

[0203] Keep in mind that the necessary expenditures of target customers have gradually increased in the past year;

[0204] Note that the risk value of the three types of risks of the target customer is R=R1;

[0205] If the target customer’s necessary expenditures have not gradually increased in the past year;

[0206] Note that the risk value of the three types of risks of the target customer is R=R2;

[0207] N1, N2, N3...N 12 The number of times that the balance is less than or equal to N is greater than 2, which means that there are months when the monthly theoretical balance is less than or equal to the monthly theoretical balance threshold N, and the customer has no repayment ability in this month, and the number is large, so the loan risk is high;

[0208] Let the risk value of the three types of risks of the target customers be R=R3, where R2<R1<R3. The larger the risk value, the higher the loan risk.

[0209] The financial risk of the target customer is determined based on the loan risk of the target customer, specifically:

[0210] When the target customer does not have a type of risk, the target customer's pending loan will be manually reviewed. In the absence of historical loan records, the loan approval agency cannot obtain the customer's credit information, so the system cannot make a risk judgment and needs to be handed over to manual processing and review;

[0211] When the target customer does not have the second type of risk, Q = 0;

[0212] When the target customer does not have any of the three types of risks, R = 0;

[0213] When the target customer has a type of risk, calculate the total risk value of the target customer and record the total risk value as D;

[0214] The total risk value is the sum of the first-class risk value P, the second-class risk value Q and the third-class risk value R;

[0215] If the target customers have type 1 risk, type 2 risk and type 3 risk;

[0216] And the risk value of the target customer's first risk is P = P4, the risk value of the second risk is Q = Q1, and the risk value of the third risk is R = R3;

[0217] The total risk value of the target customer is D = P4 + Q1 + R3; the loan risk is divided into Class I risk, Class II risk and Class III risk. The risk value of Class I risk is determined based on the repayment record of the customer's Class I loan, the risk value of Class II risk is determined based on the customer's personal fixed assets, the outstanding amount of the customer's Class II loan and the loan amount of the loan to be approved, and the risk value of Class III risk is determined based on the customer's actual available funds. This forms a comprehensive and quantifiable risk score, which standardizes the loan approval process. This multi-level risk classification method helps loan approval agencies to comprehensively obtain risk profiles of customers from different angles, thereby improving the comprehensiveness and accuracy of risk assessment.

[0218] Set the risk threshold Z2. The role of the risk threshold Z1 is to judge the total risk of the customer. When the total risk value of the customer D≥Z1, it means that the customer has a higher loan risk. When the total risk value of the customer D<Z1, it means that the customer has a lower loan risk.

[0219] If D ≥ Z2, it means that the customer has a high loan risk, and the target customer's loan application for pending approval will be rejected;

[0220] If D<Z2, it means that the customer has a higher loan risk, and the target customer's loan application for pending loan approval is approved.

[0221] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including 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.

[0222] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the technical principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A financial risk intelligent assessment and control method, characterized in that: include, Record customers who apply for loans as target customers; Receive loan applications from target customers; Record the loans applied for by target customers as pending approval loans; Get the loan amount of the loan to be approved, and record the loan amount as W; The loan amount includes the principal and interest of the loan; After authorization by target customers; Obtain historical loan records of target customers; If the target customer has no historical loan record, the target customer's loan application will be manually reviewed; If the target customer has a historical loan record, obtain the data of the target customer's historical loan record; The data of the historical loan records include the loan amount, loan term and repayment data; Determine the target customer's loan risk based on the repayment data of the target customer's historical loan records; Acquire the personal fixed assets of target customers; Determine the loan risk of target customers based on their personal fixed assets and historical loan records; Obtain target customers’ income and expenditure information in the past year; Determine the target customer's loan risk by combining the target customer's pending loan amount, loan term, historical loan repayment data, and the target customer's income and expenditure in the past year; Determine the financial risk of target customers based on their loan risk.

2. A financial risk intelligent assessment and control method according to claim 1, characterized in that: The loan risk of the target customer is determined based on the repayment data of the target customer's historical loan records, specifically: The repayment data includes the repaid amount, the unpaid amount, the prescribed repayment time and the actual repayment time; If the target customer has a historical loan record; Historical loan records for target customers; If the target customer's historical loan records contain loan records with an outstanding amount equal to 0; Then the target customer is marked as having a type of risk, and the risk value of the type of risk is recorded as P; Record the loan records with unpaid amount equal to 0 as a type of loan; A type of loan for targeted customers; Randomly select a type of loan from a target customer; When there is no overdue repayment record in the repayment record of the target customer's first type of loan; Let the risk value of a type of risk of the target customer be P = P1; The overdue repayment record specifically refers to the actual repayment time of the loan being later than the prescribed repayment time, and the time difference between the actual repayment time and the prescribed repayment time is greater than 3 days; When there is a record of overdue repayment in the repayment record of a type of loan of the target customer; Obtain the number of overdue payments and loan term of a selected type of loan; Calculate the ratio of the number of overdue payments of a selected type of loan to the value of the loan term, and record the ratio as A1; When A1 is less than 6, and there is a record of overdue repayment in the selected type of loans, and the time difference between the actual repayment time corresponding to the overdue repayment record and the prescribed repayment time is less than or equal to 60 days; Let the risk value of the target customer's first risk be P = P2; When A1 is less than 6, and there is overdue repayment in the selected type of loans, the time difference between the actual repayment time corresponding to the overdue repayment and the stipulated repayment time is greater than 60 days; Note that the risk value of the target customer's first risk is P = P3; When A1≥6, and there is a record of overdue repayment in the selected type of loans, and the time difference between the actual repayment time corresponding to the overdue repayment record and the prescribed repayment time is less than or equal to 60 days; Note that the risk value of the target customer's first risk is P = P4; When A1≥6, and there is a record of overdue repayment in the selected type of loans, and the time difference between the actual repayment time corresponding to the overdue repayment record and the stipulated repayment time is greater than 60 days; Note that the risk value of the target customer's first risk is P = P5; Among them, P1<P2<P3=P4<P5.

3. The financial risk intelligent assessment and control method according to claim 1 is characterized by: The loan risk of the target customer is determined based on the target customer's personal fixed assets and historical loan records, specifically: Record the loan records with unpaid amount not equal to 0 as Class II loans; If the target customer has a Category II loan in his / her historical loan record; Get the sum of the outstanding amounts of the second type of loans, the total amount is A; Obtain the total value of the target customer's personal fixed assets, which is recorded as B; The personal fixed assets specifically refer to the equipment and real estate owned by the individual for production, living and entertainment; Set the amount threshold Z1; If B-(A+W)≤Z1; Then the target customer is marked as having a second-class risk, and the risk value of the second-class risk is recorded as Q; If 0<B-(A+W)≤Z1; The risk value of the second type of risk of the target customer is Q = Q1; If B-(A+W)≤0; The risk value of the second type of risk of the target customer is Q = Q2; Where Q1<Q2.

4. The financial risk intelligent assessment and control method according to claim 1 is characterized by: The acquisition of the target customer's income and expenditure in the past year is specifically as follows: Obtain the target customer's monthly income and expenditure in the past year; Obtain the amount of necessary expenditure from the monthly expenditure of target customers in the past year; The necessary expenses are specifically those spent on food, utility bills, transportation, health care, loan repayments, and education; The income amounts of the first month, second month, third month, and twelfth month of the year are recorded as I1, I2, I3, and I 12 ; If the target customer has a Category II loan in his / her historical loan record; For Category II loans; Obtain the repayment month and monthly repayment amount of each second-class loan; Calculate the total theoretical repayment amount of the target customers' second-category loans each month in the next year, and record them as Y1, Y2, Y3, ... Y 12 ; Y1 is the theoretical repayment amount of the second-category loan of target customers in the first month of the next year, and Y 12 The sum of the theoretical repayment amounts of the second category loans of target customers in the twelfth month of the next year; The amount of necessary expenditure of the target customer in the first month, second month, third month, ... 12th month in the past year, excluding the loan repayment, is recorded as E1, E2, E3, ... E 12 ; Get the loan amount W of the target customer's pending loan approval; Get the loan term of the target customer's pending loan and record the loan term as F; The loan risk of the target customer is determined by combining the loan amount, loan term, repayment data of historical loan records, and the target customer's income and expenditure in the past year.

5. A financial risk intelligent assessment and control method according to claim 4, characterized in that: The loan risk of the target customer is determined by combining the loan amount, loan term, repayment data of historical loan records, and the target customer's income and expenditure in the past year, specifically: Calculate the target customer's monthly repayment amount X, which is X = W ÷ F ÷ 12; Calculate the target customer's theoretical monthly remaining amount N1, N2, N3...N 12 ; The specific calculation is N1 = I1-E1-X-Y1, N2 = I2-E2-X-Y2, N3 = I3-E3-X-Y3...N 12 =I 12 -E 12 -XY 12 ; Set the monthly theoretical remaining amount threshold N; Compare N1, N2, N3, ... N respectively 12 and the size of N; If N1, N2, N3...N 12 Not all are greater than N; Then the target customers are marked as having three types of risks, and the risk values ​​of the three types of risks are recorded as R.

6. A financial risk intelligent assessment and control method according to claim 5, characterized in that: The determination of the target customer's loan risk by combining the target customer's pending loan amount, loan term, repayment data of historical loan records, and the target customer's income and expenditure in the past year also includes: Get N1, N2, N3, ... N 12 The number of which is less than or equal to N; If 0<N1、N2、N3……N 12 The number of values ​​less than or equal to N is less than 2; Calculate the average of the target customer's necessary expenses in the first, second, and third months of the past year, excluding the amount of loan repayments. The average is recorded as C1, C1 = (E1 + E2 + E3) ÷ 3; Calculate the average of the target customer's necessary expenses in the fourth, fifth, and sixth months of the past year, excluding the amount of loan repayments. The average is recorded as C2, C2 = (E1 + E2 + E3) ÷ 3; Calculate the average of the target customer's necessary expenses in the seventh, eighth, and ninth months of the past year, excluding the amount of loan repayments. The average is recorded as C3, C3 = (E1 + E2 + E3) ÷ 3; Calculate the average of the target customer's necessary expenditures in the tenth, eleventh, and twelfth months of the past year, excluding the amount of loan repayments. The average is recorded as C4, C4 = (E1 + E2 + E3) ÷ 3; If C1≤C2<C3<C4 or C4-C3>M, M is a fixed value; Keep in mind that the necessary expenditures of target customers have gradually increased in the past year; Note that the risk value of the three types of risks of the target customer is R=R1; If the target customer’s necessary expenditures have not gradually increased in the past year; Note that the risk value of the three types of risks of the target customer is R=R2; N1, N2, N3...N 12 The number of values ​​less than or equal to N is greater than 2; Let the risk value of the three types of risks of the target customers be R=R3, where R2<R1<R3.

7. A financial risk intelligent assessment and control method according to claim 1, characterized in that: The financial risk of the target customer is determined based on the loan risk of the target customer, specifically: When the target customer does not have a type of risk, the target customer's pending loans will be manually reviewed; When the target customer does not have the second type of risk, Q = 0; When the target customer does not have any of the three types of risks, R = 0; When the target customer has a type of risk, calculate the total risk value of the target customer and record the total risk value as D; The total risk value is the sum of the first-class risk value P, the second-class risk value Q and the third-class risk value R; If the target customers have type 1 risk, type 2 risk and type 3 risk; And the risk value of the target customer's first risk is P = P4, the risk value of the second risk is Q = Q1, and the risk value of the third risk is R = R3; Then the total risk value of the target customer is D = P4 + Q1 + R3; Set the risk threshold Z2; If D ≥ Z2, the target customer's loan application for pending approval will be rejected; If D<Z2, the target customer's loan application for pending loan approval is approved.

Images