Business risk assessment method and device, computer equipment and storage medium

By constructing a risk knowledge map and performing risk simulation evolution, the problem that traditional methods cannot quantify risk attenuation is solved, accurate risk assessment of corporate business is achieved, and the healthy development of the company is supported.

CN119721689AActive Publication Date: 2025-03-28PING AN TECH (SHENZHEN) CO LTD
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Patent Information

Application Number
CN202411779433.1
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2024-12-03
Publication Date
2025-03-28
Estimated Expiration
2044-12-03

AI Technical Summary

Technical Problem

In the field of financial technology, traditional risk transmission path identification methods cannot effectively quantify the attenuation effect of risks in the transmission process, resulting in inaccurate risk assessment results and affecting the steady development of the company's business.

Method used

By obtaining business data, building a risk knowledge graph, obtaining risk transmission paths based on the graph search algorithm, analyzing associated risk event information, quantifying the impact of risk events, training a risk event impact assessment model, performing risk simulation evolution, and finally obtaining the comprehensive risk value.

Benefits of technology

It realizes an accurate risk assessment of the company's business, can more accurately reflect the actual risk situation, and helps the company make effective risk management and decision-making.

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Abstract

The embodiment of the invention belongs to the field of data processing, and relates to a business risk assessment method and device, computer equipment and a storage medium, and the method comprises the following steps: constructing a risk knowledge graph according to business data; acquiring a risk conduction path in the risk knowledge graph based on a graph search algorithm; acquiring associated risk event information in a database according to the risk conduction path, and analyzing the associated risk event information according to a data mining algorithm to obtain risk event influence information; quantifying the risk event influence information, and training a risk event influence evaluation model according to quantified risk event influence index data; performing risk simulation evolution according to the risk conduction path and the risk event influence evaluation model to obtain a risk event influence result; and performing risk analysis according to the risk event influence result to obtain a comprehensive risk value. According to the invention, accurate risk assessment can be carried out on business of an enterprise.
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