Client post-loan risk assessment method, device and equipment, medium and program product

Abstract

The invention discloses a customer post-loan risk assessment method, device and equipment, a medium and a program product. The method is applied to the field of financial science and technology, and comprises the steps that in response to a post-loan risk assessment request for a target customer, total data matched with the target customer is acquired from a data pool, and the total data comprises logistics storage data of the target customer; obtaining a risk assessment strategy set in a pre-constructed risk early warning model; according to a strategy sequence defined in the risk assessment strategy set, sequentially executing each risk assessment strategy to carry out risk assessment on the matched data elements in the total data; and when the risk assessment result of the currently executed target risk assessment strategy is that the risk exists, generating risk early warning information matched with the target risk assessment strategy, and ending the risk assessment process. According to the embodiment of the invention, under the current situation that a unified specification system of warehouse receipts is lacked, disputes are avoided, the risk assessment cost is reduced, and the influence of subjective factors of manual assessment is also avoided.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a method, device, equipment, medium and program product for assessing post-loan risk of a customer. Background Art

[0002] With the rapid development of inclusive finance business, more and more supply chain enterprises have the demand for warehouse receipt financing. Warehouse receipt financing is a common supply chain financing method, which provides enterprises with flexible financing options. However, post-loan management is a major challenge in inventory financing. If the goods corresponding to the warehouse receipt are misappropriated in advance, or the collateral depreciates, there is a risk of not being able to repay the loan.

[0003] At present, the post-loan risk assessment of warehouse receipt financing is generally carried out by the account manager through on-site investigation, which is based on logistics and warehousing data, and is manually checked and evaluated in combination with the borrowing company's operating data, trade background, credit report of the People's Bank of China, external fraud information, overdue bad information, etc. The entire background investigation process is time-consuming and labor-intensive. At the same time, the post-loan risk assessment is greatly affected by the subjective factors of the account manager. Summary of the invention

[0004] Based on this, the present invention provides a method, device, equipment, medium and program product for assessing the post-loan risk of a customer, so as to solve the problem that the post-loan risk assessment of a bank is inefficient and highly subjective.

[0005] In a first aspect, an embodiment of the present invention provides a method for assessing post-loan risk of a customer, the method comprising:

[0006] In response to a post-loan risk assessment request for a target customer, obtain the full amount of data matching the target customer in the data pool, where the full amount of data includes the logistics and warehousing data of the target customer;

[0007] In the pre-built risk warning model, obtain the risk assessment strategy set;

[0008] According to the policy sequence defined in the risk assessment policy set, each risk assessment policy is executed in sequence to perform risk assessment on the matching data elements in the full data;

[0009] When the risk assessment result of the currently executed target risk assessment strategy is that there is a risk, risk warning information matching the target risk assessment strategy is generated, and the risk assessment process ends.

[0010] In a second aspect, an embodiment of the present invention provides a post-loan risk assessment device for a customer, the device comprising:

[0011] A data acquisition module is used to respond to a post-loan risk assessment request for a target customer and acquire the full amount of data matching the target customer from the data pool, wherein the full amount of data includes the logistics and warehousing data of the target customer;

[0012] A risk assessment strategy set acquisition module is used to obtain a risk assessment strategy set in a pre-built risk warning model;

[0013] The risk assessment module is used to perform risk assessment on the matching data elements in the full data by executing each risk assessment strategy in sequence according to the strategy sequence defined in the risk assessment strategy set;

[0014] The risk warning information generation module is used to generate risk warning information matching the target risk assessment strategy when the risk assessment result of the currently executed target risk assessment strategy is that there is a risk, and end the risk assessment process.

[0015] In a third aspect, an embodiment of the present invention provides an electronic device, the electronic device comprising:

[0016] at least one processor; and

[0017] a memory communicatively connected to the at least one processor; wherein,

[0018] The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute a post-loan risk assessment method for a customer described in any embodiment of the present invention.

[0019] In a fourth aspect, a computer-readable storage medium is also provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement a customer post-loan risk assessment method described in any embodiment of the present invention when executed.

[0020] In a fifth aspect, a computer program product is also provided, the computer program product comprising a computer program, and the computer program, when executed by a processor, implements a method for assessing post-loan risk of a customer as described in any embodiment of the embodiments of the present invention.

[0021] The technical solution of the embodiment of the present invention, by constructing a unique risk assessment strategy set and evaluating the various risk factors of the target customers in turn according to the preset strategy execution order, realizes the identification of common risks such as false warehouse receipts, pledge of documents and goods, and repeated pledges in the warehouse receipt financing process. It plays an important role in solving inventory pressure, activating inventory funds, and alleviating corporate financing problems. In the current situation where there is a lack of a unified standard system for warehouse receipts, it avoids the occurrence of disputes, reduces risk assessment costs, and avoids the influence of subjective factors in manual assessment.

[0022] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0024] Figure 1 is a flow chart of a method for assessing post-loan risk of a customer provided according to Embodiment 1 of the present invention;

[0025] Figure 2 is a reference diagram of a risk assessment factor table applicable to an embodiment of the present invention;

[0026] Figure 3 This is a schematic diagram of the structure of a post-loan risk assessment device for a customer provided according to Embodiment 2 of the present invention;

[0027] Figure 4 It is a structural schematic diagram of an electronic device for a method for assessing a customer's post-loan risk provided in accordance with a third embodiment of the present invention. DETAILED DESCRIPTION

[0028] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings 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 should fall within the scope of protection of the present invention.

[0029] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0030] Embodiment 1

[0031] Figure 1 This is a flowchart of a method for post-loan risk assessment of a customer provided by the first embodiment of the present invention. This embodiment is applicable to the case of automatically conducting post-loan risk assessment on bank loan customers. The method can be executed by a post-loan risk assessment device for a customer. The device can be implemented in the form of hardware and / or software. The device can be configured in a data management system that can realize encrypted communication between multiple systems. Figure 1 As shown, the method includes:

[0032] S110. In response to a post-loan risk assessment request for a target customer, obtain full data matching the target customer from a data pool, wherein the full data includes logistics and warehousing data of the target customer.

[0033] In an embodiment of the present invention, risk assessment can be conducted on loan customers of the target bank regularly according to a preset cycle. When the risk assessment cycle is reached, based on the risk assessment task instruction received for a certain target customer, all data required for the risk assessment of the target user, that is, the full data, is obtained in the data pool. The logistics and warehousing data refers to logistics and warehousing data related to customer warehouse receipt financing, etc.

[0034] Optionally, in response to a post-loan risk assessment request for a target customer, before obtaining the full amount of data matching the target customer in the data pool, the following may also be included:

[0035] According to the pre-constructed risk assessment factor table, each factor value of each customer is encrypted and obtained from multiple data sources, and the obtained each factor value is stored in the data pool.

[0036] like Figure 2 As shown, the risk assessment factor table shows different factors and their data sources. According to the different fields of the factors, the factor values ​​corresponding to the target customers are obtained from the corresponding data sources, and all required factor values ​​are stored in the data pool for subsequent evaluation and calculation. Among them, the data pool is constructed based on the specific risk assessment requirements, that is, different data pools can be built for different types of risk assessments, which is targeted and accurate.

[0037] Furthermore, the data sources include: the People's Bank of China system, the target bank system, and the warehouse enterprise system;

[0038] The elements in the risk assessment element table that correspond to the PBOC system include: business registration information, enterprise legal representative information, and credit information;

[0039] The elements in the risk assessment element table corresponding to the target bank system include: overdue inventory information, the amount of the customer's unpaid loan at the target bank, the customer's deposit amount at the target bank, the post-loan early warning line, and the warehouse receipt number of the customer on the target bank's financing loan form;

[0040] The elements in the risk assessment element table corresponding to the warehousing enterprise system include: warehouse receipt number of customer financing, total amount of warehouse receipt of customer financing, real-time price of goods in warehouse receipt of customer financing, promised payment date of warehouse receipt of customer financing, weight of goods in warehouse receipt of customer financing, storage address of goods mortgaged by customer financing, storage weight of goods mortgaged by customer financing, shipment date of goods mortgaged by customer financing and logistics address of goods mortgaged by customer financing.

[0041] In the embodiment of the present invention, the data required for risk assessment mainly comes from three data sources, namely: the People's Bank of China system, the target bank system and the warehousing enterprise system. In order to ensure data security, the data is obtained in encrypted transmission.

[0042] The target bank system is the internal system of the bank that has established a warehouse receipt financing loan relationship with the target customer. The stock overdue information refers to the target customer's overdue loan balance at the target bank; the loan warning line is a preset risk threshold used to determine whether the customer's historical loan information exceeds the standard; the warehouse receipt number refers to the certificate number issued by the custodian for the user to withdraw the mortgaged warehoused goods later after the warehouse receipt financing. It should be noted that the acquisition, storage, use, and processing of various information of the target customer in this application are in compliance with the relevant provisions of national laws and regulations.

[0043] The construction of the risk assessment factor table further clarifies the factors required for risk assessment and the specific sources of the factors. There is no need to obtain all the privacy data of the target customers, which facilitates data extraction and ensures data security.

[0044] S120. Obtain a risk assessment strategy set in a pre-built risk warning model.

[0045] The risk assessment strategy set is composed of pre-formulated evaluation strategies for specifically evaluating customer post-loan risks. Each evaluation strategy requires different elements and has different evaluation angles, and there is an execution order between the evaluation strategies. That is, the risk assessment strategy set is a collection of multiple evaluation strategies that specify the strategy execution order.

[0046] S130. Execute each risk assessment strategy in sequence according to the strategy sequence defined in the risk assessment strategy set to perform risk assessment on the matching data elements in the entire data.

[0047] Optionally, the risk assessment strategy set includes, in order:

[0048] Customer industrial and commercial registration information status assessment strategy, customer enterprise legal representative information assessment strategy, customer credit status assessment strategy, customer overdue information assessment strategy, customer loan information assessment strategy; customer warehouse receipt authenticity assessment strategy, customer cargo value assessment strategy, customer payment date assessment strategy, customer cargo storage situation assessment strategy and customer cargo transportation situation assessment strategy.

[0049] When executing the customer business registration information status assessment strategy, it is only necessary to extract the target customer's business registration information from the data pool; when executing the customer enterprise legal representative information assessment strategy, it is only necessary to extract the target customer's legal representative information from the data pool; when executing the customer credit status assessment strategy, it is only necessary to extract the target customer's credit record from the data pool, where the element values ​​of the above three assessment strategies all come from the PBOC system. When executing the customer overdue information assessment strategy, it is only necessary to extract the target customer's existing overdue records from the data pool; when executing the customer loan information assessment strategy, it is necessary to extract the target customer's outstanding loan amount and deposit amount in the target bank from the data pool, where the element values ​​of the above three assessment strategies all come from the target bank system.

[0050] When executing the customer warehouse receipt authenticity assessment strategy, it is necessary to extract the warehouse receipt number of the target customer on the target bank's financing loan form and the warehouse receipt number of the target customer's financing from the data pool. The warehouse receipt number on the financing loan form is the warehouse receipt number recorded on the financing loan form stored in the target bank system, and the financing warehouse receipt number is the warehouse receipt number issued after receiving the mortgaged goods and stored in the warehousing enterprise system. The two elements are stored in different systems. When executing the customer goods value assessment strategy, it is necessary to extract the real-time price of the warehouse receipt goods and the total amount of the warehouse receipt from the data pool respectively; when executing the customer payment date assessment strategy, it is necessary to extract the warehouse receipt promised payment date of the target customer financing from the data pool, and obtain the system date of the assessment day; when executing the customer goods warehousing situation assessment strategy, it is necessary to extract the shipping date of the target customer financing mortgage goods, the storage address of the target customer financing mortgage goods and the storage weight of the target customer financing mortgage goods from the data pool respectively, and obtain the system date of the assessment day; when executing the customer goods transportation situation assessment strategy, it is necessary to extract the shipping date of the target customer financing mortgage goods and the logistics location of the target customer financing mortgage goods from the data pool respectively, and obtain the system date of the assessment day.

[0051] The risk assessment strategy set constructed fully considers the types of risks that are prone to occur in warehouse receipt financing in real situations, such as the financing party's client forging warehouse receipts, false warehouse receipts, falsification of the value and quantity of goods in the warehouse receipts, collusion between the financing party and the warehousing party, and the failure of the supervisor to fulfill its responsibilities. And by sorting each assessment strategy in the assessment strategy set according to priority, it achieves rapid risk screening and strict execution.

[0052] S140: When the risk assessment result of the currently executed target risk assessment strategy is that there is a risk, generate risk warning information matching the target risk assessment strategy and end the risk assessment process.

[0053] Since risk assessment is performed in the order of the evaluation rules in the risk assessment strategy set, the assessment starts with the execution of the customer's industrial and commercial registration information status assessment strategy. If the current assessment strategy passes, the customer's corporate legal representative information assessment strategy is executed, and so on. However, if any assessment strategy passes, it is determined that the elements included in the current assessment strategy are at risk, and a warning message describing the risk element is generated, and the risk assessment will no longer be performed.

[0054] Furthermore, the method may also include:

[0055] When it is determined that the risk assessment results of all risk assessment strategies in the risk assessment strategy set are that there is no risk, it is determined that there is no post-loan risk for the target customer.

[0056] Continuing with the above embodiment, if all assessment strategies in the risk assessment strategy set are passed, that is, the customer's cargo transportation situation assessment strategy is also passed, it means that all factors of the target customer are normal and there is no post-loan risk.

[0057] In the embodiment of the present invention, only when all evaluation strategies are successfully passed can the target customer be determined to have no post-loan risk. If any one evaluation strategy fails in the middle, the target customer is determined to have post-loan risk, which improves the standardization of risk assessment and avoids the subjective influence of manual assessment.

[0058] Optionally, when the risk assessment result of the currently executed target risk assessment strategy is that there is a risk, risk warning information matching the target risk assessment strategy is generated, including:

[0059] When the current customer business registration information status assessment strategy is executed, if the business registration information of the target customer is determined to be abnormal, then business registration information abnormality warning information is generated;

[0060] When the legal representative information assessment strategy of the current customer enterprise is executed, if the legal representative information of the target customer enterprise is determined to be abnormal, then the legal representative information abnormality warning information is generated;

[0061] When the customer credit status assessment strategy is currently executed, if the target customer's credit status is determined to be abnormal, then abnormal credit status warning information is generated;

[0062] When the customer overdue information evaluation strategy is currently executed, if it is determined that the overdue information status of the target customer is abnormal, an abnormal warning information of the overdue information status is generated;

[0063] When the customer loan information assessment strategy is currently executed, if it is determined that the difference between the target customer's outstanding loan amount at the target bank and the customer's deposit amount at the bank is greater than the preset risk threshold, a loan information abnormality warning message is generated;

[0064] When the customer warehouse receipt authenticity assessment strategy is currently executed, if it is determined that the warehouse receipt number of the target customer on the target bank financing loan is different from the warehouse receipt number of the customer financing, a warehouse receipt authenticity abnormality warning information is generated;

[0065] When the current customer goods value assessment strategy is executed, if it is determined that the ratio of the real-time price of the warehouse receipt goods financed by the target customer to the total amount of the warehouse receipt financed by the target customer is lower than the post-loan warning line, then an abnormal warning message of the goods value is generated;

[0066] When the current customer payment date assessment strategy is executed, if the target customer's warehouse receipt payment date is determined to be earlier than the assessment date, an abnormal payment date warning message is generated;

[0067] When the current customer cargo storage evaluation strategy is executed, if it is determined that the delivery date of the target customer's financing mortgage cargo is earlier than the evaluation date, and / or the storage address of the target customer's financing mortgage cargo is empty, and / or the storage weight of the target customer's financing mortgage cargo is not equal to the weight of the target customer's financing warehouse receipt cargo, then a cargo storage abnormality warning message is generated;

[0068] When the cargo transportation assessment strategy to the customer is currently being executed, if it is determined that the delivery date of the target customer's financing mortgaged goods is later than the assessment date, and / or the logistics address of the target customer's financing mortgaged goods is empty, a cargo transportation abnormality warning message is generated.

[0069] Specifically, in an embodiment of the present invention, if the industrial and commercial registration information is in a normal state, its element value is 1; if it is in an abnormal state, its element value is 0, that is, when the industrial and commercial registration information of the target customer is 0, industrial and commercial registration information abnormal warning information is generated; if the legal representative information of the enterprise is in a normal state, its element value is 1; if it is in an abnormal state, its element value is 0, that is, when the legal representative information of the target customer is 0, legal representative information abnormal warning information is generated; credit status abnormal warning information refers to the target customer having a bad credit record in the People's Bank of China system, that is, when the credit status is 1, it indicates that the credit status of the target customer is abnormal; overdue information status abnormal warning information refers to the target customer having a historical overdue situation in the target bank system, that is, when the overdue information is 1, it indicates that the overdue information status of the target customer is abnormal.

[0070] The customer loan information assessment strategy assesses whether the difference between the target customer's outstanding loan and the target customer's deposit amount in the target bank is within an acceptable range. If it is greater than the preset risk threshold, it means that it has exceeded the normal requirements. At this time, the target customer is considered to have a risk of abnormal loan information. The customer warehouse receipt authenticity assessment strategy refers to comparing the warehouse receipt number of the target customer's financing loan at the target bank with the warehouse receipt number of the customer's financing. If they are inconsistent, it means that there is an abnormality in the authenticity of the customer warehouse receipt. In the actual application process, the value of the goods pledged in the warehouse receipt will change in real time, so the proportion will be calculated based on the real-time price of the goods and the total amount of the warehouse receipt. If the proportion is lower than the post-loan warning line, it means that the real-time price of the pledged goods is too low and the value of the goods is at risk. The customer payment date assessment strategy needs to monitor the customer's payment date regularly. If it is shown that the customer has paid for the warehouse receipt on the day of the risk assessment, it means that the target customer did not repay the loan on the specified date, but repaid the loan in advance, and there is a risk of abnormal payment date. In the customer's cargo storage assessment strategy, if the financing enterprise repays the loan on time according to the prescribed time, the mortgaged goods can be returned. If on the day of risk assessment, it is found that the mortgaged goods of the target customer have been shipped before the repayment of the financing enterprise is received, it means that the mortgaged goods of the target customer have been shipped in advance. At this time, there is a risk of abnormal cargo storage. Secondly, if the storage address of the target customer's mortgaged goods is empty, it means that the mortgaged goods corresponding to the warehouse receipt are not stored in the agreed storage location as agreed. The mortgaged goods may not really exist, and there is also a risk of abnormal cargo storage. At the same time, if the weight of the mortgaged goods specified in the warehouse receipt is inconsistent with the actual weight of the mortgaged goods, it is also a risk of abnormal cargo storage. If any of the above three situations is abnormal, an abnormal cargo storage warning information is generated. In the customer's cargo transportation assessment strategy, if on the day of risk assessment, it is found that the target customer's mortgaged goods have not been shipped, it means that the mortgaged goods of the warehouse receipt have not been shipped at the agreed time. At the same time, if the logistics location of the customer's mortgaged goods is empty, it means that the target customer's mortgaged goods have not arrived at the designated location as agreed. At this time, there is a cargo transportation abnormality. If any of the above two situations is abnormal, an abnormal cargo transportation warning information is generated.

[0071] For each specific risk assessment strategy, absolute assessment rules are set to ensure the uniqueness of the strategy execution results. At the same time, the composition of some assessment strategies needs to consider multiple factors to ensure the scientificity and effectiveness of the risk assessment.

[0072] In the embodiments of the present invention, the inventor creatively constructs a unique risk assessment strategy set, and evaluates various risk factors of target customers in turn according to the preset strategy execution order, thereby realizing the identification of common risks such as false warehouse receipts, pledge of both documents and goods, and repeated pledges in the warehouse receipt financing process. This plays an important role in solving inventory pressure, activating inventory funds, and alleviating corporate financing problems. In the current situation where there is a lack of a unified standard system for warehouse receipts, it avoids the occurrence of disputes, reduces risk assessment costs, and avoids the influence of subjective factors in manual assessment.

[0073] Embodiment 2

[0074] Figure 3 This is a schematic diagram of the structure of a post-loan risk assessment device for a customer provided in the second embodiment of the present invention. Figure 3 As shown, the device comprises:

[0075] The data acquisition module 310 is used to respond to a post-loan risk assessment request for a target customer and acquire the full amount of data matching the target customer in the data pool, wherein the full amount of data includes the logistics and warehousing data of the target customer;

[0076] The risk assessment strategy set acquisition module 320 is used to acquire the risk assessment strategy set in the pre-built risk warning model;

[0077] The risk assessment module 330 is used to perform risk assessment on the matched data elements in the full amount of data by executing each risk assessment strategy in sequence according to the strategy sequence defined in the risk assessment strategy set;

[0078] The risk warning information generating module 340 is used to generate risk warning information matching the target risk assessment strategy when the risk assessment result of the currently executed target risk assessment strategy is that there is a risk, and end the risk assessment process.

[0079] In the embodiments of the present invention, the inventor creatively constructs a unique risk assessment strategy set, and evaluates various risk factors of target customers in turn according to the preset strategy execution order, thereby realizing the identification of common risks such as false warehouse receipts, pledge of both documents and goods, and repeated pledges in the warehouse receipt financing process. This plays an important role in solving inventory pressure, activating inventory funds, and alleviating corporate financing problems. In the current situation where there is a lack of a unified standard system for warehouse receipts, it avoids the occurrence of disputes, reduces risk assessment costs, and avoids the influence of subjective factors in manual assessment.

[0080] Optionally, based on the above embodiments, it also includes an element value extraction unit, which is used to encrypt and obtain each element value of each customer from multiple data sources according to a pre-constructed risk assessment element table before obtaining the full amount of data matching the target customer in the data pool in response to a post-loan risk assessment request for the target customer, and store the obtained element values ​​in the data pool.

[0081] Optionally, based on the above embodiments, the data source in the element value extraction unit includes: a People's Bank of China system, a target bank system, and a warehousing enterprise system;

[0082] The elements in the risk assessment element table that correspond to the PBOC system include: business registration information, enterprise legal representative information, and credit information;

[0083] The elements in the risk assessment element table corresponding to the target bank system include: overdue inventory information, the amount of the customer's unpaid loan at the target bank, the customer's deposit amount at the target bank, the post-loan early warning line, and the warehouse receipt number of the customer's financing loan at the target bank;

[0084] The elements in the risk assessment element table corresponding to the warehousing enterprise system include: warehouse receipt number of customer financing, total amount of warehouse receipt of customer financing, real-time price of goods in warehouse receipt of customer financing, promised payment date of warehouse receipt of customer financing, weight of goods in warehouse receipt of customer financing, storage address of goods mortgaged by customer financing, storage weight of goods mortgaged by customer financing, shipment date of goods mortgaged by customer financing and logistics address of goods mortgaged by customer financing.

[0085] Optionally, based on the above embodiments, the risk assessment module 330 further includes, in the risk assessment strategy set, the following in order:

[0086] Customer industrial and commercial registration information status assessment strategy, customer enterprise legal representative information assessment strategy, customer credit status assessment strategy, customer overdue information assessment strategy, customer loan information assessment strategy; customer warehouse receipt authenticity assessment strategy, customer cargo value assessment strategy, customer payment date assessment strategy, customer cargo storage situation assessment strategy and customer cargo transportation situation assessment strategy.

[0087] Optionally, based on the above embodiments, the risk warning information generating module 340 is further used to generate industrial and commercial registration information abnormality warning information if it is determined that the industrial and commercial registration information of the target customer is abnormal when the customer industrial and commercial registration information status assessment strategy is currently executed;

[0088] When the legal representative information assessment strategy of the current customer enterprise is executed, if the legal representative information of the target customer enterprise is determined to be abnormal, then the legal representative information abnormality warning information is generated;

[0089] When the customer credit status assessment strategy is currently executed, if the target customer's credit status is determined to be abnormal, then abnormal credit status warning information is generated;

[0090] When the customer overdue information evaluation strategy is currently executed, if it is determined that the overdue information status of the target customer is abnormal, an abnormal warning information of the overdue information status is generated;

[0091] When the customer loan information assessment strategy is currently executed, if it is determined that the difference between the target customer's outstanding loan amount at the target bank and the customer's deposit amount at the bank is less than the preset risk threshold, an abnormal loan information warning message is generated;

[0092] When the customer warehouse receipt authenticity assessment strategy is currently executed, if it is determined that the warehouse receipt number of the target customer on the target bank financing loan is different from the warehouse receipt number of the customer financing, a warehouse receipt authenticity abnormality warning information is generated;

[0093] When the current customer goods value assessment strategy is executed, if it is determined that the ratio of the real-time price of the warehouse receipt goods financed by the target customer to the total amount of the warehouse receipt financed by the target customer is higher than the post-loan warning line, then an abnormal warning message of the goods value is generated;

[0094] When the current customer payment date assessment strategy is executed, if the target customer's warehouse receipt payment date is determined to be earlier than the assessment date, an abnormal payment date warning message is generated;

[0095] When the current customer cargo storage evaluation strategy is executed, if it is determined that the delivery date of the target customer's financing mortgage cargo is earlier than the evaluation date, and / or the storage address of the target customer's financing mortgage cargo is empty, and / or the storage weight of the target customer's financing mortgage cargo is not equal to the weight of the target customer's financing warehouse receipt cargo, then a cargo storage abnormality warning message is generated;

[0096] When the cargo transportation assessment strategy to the customer is currently being executed, if it is determined that the delivery date of the target customer's financing mortgaged goods is later than the assessment date, and / or the logistics address of the target customer's financing mortgaged goods is empty, a cargo transportation abnormality warning message is generated.

[0097] Optionally, based on the above embodiments, it further includes: a risk-free determination unit, which is used to determine that the target customer has no post-loan risk when the risk assessment results of all risk assessment strategies in the risk assessment strategy set are determined to be risk-free.

[0098] A post-loan risk assessment device for a customer provided by an embodiment of the present invention can execute a post-loan risk assessment method for a customer provided by any embodiment of the present invention, and has functional modules and beneficial effects corresponding to the execution method.

[0099] It should be noted that the information collected is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data comply with the relevant laws, regulations and standards of relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0100] In addition, corresponding operation entrances are provided for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered.

[0101] Embodiment 3

[0102] Figure 4 A schematic diagram of the structure of an electronic device 10 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0103] like Figure 4 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0104] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0105] The processor 11 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as a method for post-loan risk assessment of a customer.

[0106] That is, in response to a post-loan risk assessment request for a target customer, the full amount of data matching the target customer is obtained from the data pool, and the full amount of data includes the logistics and warehousing data of the target customer;

[0107] In the pre-built risk warning model, obtain the risk assessment strategy set;

[0108] According to the policy sequence defined in the risk assessment policy set, each risk assessment policy is executed in sequence to perform risk assessment on the matching data elements in the full data;

[0109] When the risk assessment result of the currently executed target risk assessment strategy is that there is a risk, risk warning information matching the target risk assessment strategy is generated, and the risk assessment process ends.

[0110] In some embodiments, a method for assessing the post-loan risk of a customer may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the method for assessing the post-loan risk of a customer described above may be performed. Alternatively, in other embodiments, the processor 11 may be configured to perform a method for assessing the post-loan risk of a customer in any other appropriate manner (e.g., by means of firmware).

[0111] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0112] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0113] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0114] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0115] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0116] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0117] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0118] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A post-loan risk assessment method for a customer, characterized in that: include: In response to a post-loan risk assessment request for a target customer, obtain the full amount of data matching the target customer in the data pool, where the full amount of data includes the logistics and warehousing data of the target customer; In the pre-built risk warning model, obtain the risk assessment strategy set; According to the policy sequence defined in the risk assessment policy set, each risk assessment policy is executed in sequence to perform risk assessment on the matching data elements in the full data; When the risk assessment result of the currently executed target risk assessment strategy is that there is a risk, risk warning information matching the target risk assessment strategy is generated, and the risk assessment process ends.

2. The method according to claim 1, characterized in that In response to a post-loan risk assessment request for a target customer, before obtaining the full amount of data matching the target customer in the data pool, the method further includes: According to the pre-constructed risk assessment factor table, each factor value of each customer is encrypted and obtained from multiple data sources, and the obtained each factor value is stored in the data pool.

3. The method according to claim 2, characterized in that the data source include: The People's Bank of China system, the target bank system and the warehousing enterprise system; The elements in the risk assessment element table that correspond to the PBOC system include: business registration information, enterprise legal representative information, and credit information; The elements in the risk assessment element table corresponding to the target bank system include: overdue inventory information, the amount of the customer's unpaid loan at the target bank, the customer's deposit amount at the target bank, the post-loan early warning line, and the warehouse receipt number of the customer on the target bank's financing loan form; The elements in the risk assessment element table corresponding to the warehousing enterprise system include: warehouse receipt number of customer financing, total amount of warehouse receipt of customer financing, real-time price of goods in warehouse receipt of customer financing, promised payment date of warehouse receipt of customer financing, weight of goods in warehouse receipt of customer financing, storage address of goods mortgaged by customer financing, storage weight of goods mortgaged by customer financing, shipment date of goods mortgaged by customer financing and logistics address of goods mortgaged by customer financing.

4. The method according to claim 3, characterized in that The risk assessment strategy set includes, in order: Customer industrial and commercial registration information status assessment strategy, customer enterprise legal representative information assessment strategy, customer credit status assessment strategy, customer overdue information assessment strategy, customer loan information assessment strategy; customer warehouse receipt authenticity assessment strategy, customer cargo value assessment strategy, customer payment date assessment strategy, customer cargo storage situation assessment strategy and customer cargo transportation situation assessment strategy.

5. The method according to claim 3, characterized in that: When the risk assessment result of the currently executed target risk assessment strategy is that there is a risk, risk warning information matching the target risk assessment strategy is generated, including: When the current customer business registration information status assessment strategy is executed, if the business registration information of the target customer is determined to be abnormal, then business registration information abnormality warning information is generated; When the legal representative information assessment strategy of the current customer enterprise is executed, if the legal representative information of the target customer enterprise is determined to be abnormal, then the legal representative information abnormality warning information is generated; When the customer credit status assessment strategy is currently executed, if the target customer's credit status is determined to be abnormal, then abnormal credit status warning information is generated; When the customer overdue information evaluation strategy is currently executed, if it is determined that the overdue information status of the target customer is abnormal, an abnormal warning information of the overdue information status is generated; When the customer loan information assessment strategy is currently executed, if it is determined that the difference between the target customer's outstanding loan amount at the target bank and the customer's deposit amount at the bank is greater than the preset risk threshold, a loan information abnormality warning message is generated; When the customer warehouse receipt authenticity assessment strategy is currently executed, if it is determined that the warehouse receipt number of the target customer on the target bank financing loan is different from the warehouse receipt number of the customer financing, a warehouse receipt authenticity abnormality warning information is generated; When the current customer goods value assessment strategy is executed, if it is determined that the ratio of the real-time price of the warehouse receipt goods financed by the target customer to the total amount of the warehouse receipt financed by the target customer is lower than the post-loan warning line, then an abnormal warning message of the goods value is generated; When the current customer payment date assessment strategy is executed, if the target customer's warehouse receipt payment date is determined to be earlier than the assessment date, an abnormal payment date warning message is generated; When the current customer cargo storage evaluation strategy is executed, if it is determined that the delivery date of the target customer's financing mortgage cargo is earlier than the evaluation date, and / or the storage address of the target customer's financing mortgage cargo is empty, and / or the storage weight of the target customer's financing mortgage cargo is not equal to the weight of the target customer's financing warehouse receipt cargo, then a cargo storage abnormality warning message is generated; When the cargo transportation assessment strategy to the customer is currently being executed, if it is determined that the delivery date of the target customer's financing mortgaged goods is later than the assessment date, and / or the logistics address of the target customer's financing mortgaged goods is empty, a cargo transportation abnormality warning message is generated.

6. The method according to claim 1, characterized in that The method further comprises: When it is determined that the risk assessment results of all risk assessment strategies in the risk assessment strategy set are that there is no risk, it is determined that the target customer has no post-loan risk.

7. A post-loan risk assessment device for a customer, characterized in that: include: A data acquisition module is used to respond to a post-loan risk assessment request for a target customer and acquire the full amount of data matching the target customer from the data pool, wherein the full amount of data includes the logistics and warehousing data of the target customer; A risk assessment strategy set acquisition module is used to obtain a risk assessment strategy set in a pre-built risk warning model; The risk assessment module is used to perform risk assessment on the matching data elements in the full data by executing each risk assessment strategy in sequence according to the strategy sequence defined in the risk assessment strategy set; The risk warning information generation module is used to generate risk warning information matching the target risk assessment strategy when the risk assessment result of the currently executed target risk assessment strategy is that there is a risk, and end the risk assessment process.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute a post-loan risk assessment method for a customer according to any one of claims 1-6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement a post-loan risk assessment method for a customer according to any one of claims 1 to 6 when executed.

10. A computer program product, characterized in that The computer program product comprises a computer program, which, when executed by a processor, implements a method for assessing post-loan risk of a customer according to any one of claims 1-6.

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