Specific case item reduction risk assessment method and device, equipment and medium

Abstract

The invention provides a deduction risk assessment method and device for a special case item, equipment and a medium. The method comprises the following steps: acquiring a plurality of user risk indexes and a target deduction amount of a target special case item; determining a user risk value according to the index risk value of each user risk index, and determining a financial risk value based on the target deduction amount and the property financial data; determining a target financial weight and a target user weight based on a target weight strategy determined by the target deduction amount and the property financial data; and determining a property risk score based on the financial risk value and the target financial weight, determining a user risk score based on the user risk value and the target user weight, and determining the sum of the user risk score and the property risk score as a risk assessment result. According to the invention, the reduction risk of the special case item can be represented through the two dimensions of the user risk value and the financial risk value, and the target user weight and the target financial weight are flexibly determined, so that the risk assessment result is more consistent with actual data, and the reliability of the risk assessment result is improved.

Description

Technical Field

[0001] The present invention relates to the technical field of process approval, and particularly to a method, device, equipment and medium for risk assessment of exemption of special cases. Background Art

[0002] The property receivables middle desk is a comprehensive management platform in the property field. The property receivables middle desk integrates the property fee system, the risk assessment system and the OA process system, and can realize data integration and fee management. In real life, users will inevitably encounter special situations or force majeure factors, and usually initiate an application for exemption of payments based on special cases on the property receivables middle desk. The traditional solution mainly relies on manual approval, which is not only inefficient but also prone to human errors.

[0003] In order to improve the approval efficiency, related technologies have proposed a technical solution for automatically calculating the risk coefficient of users and automatically approving special cases according to the risk coefficient and the set threshold. Although it can realize the automatic approval of special cases to a certain extent, the existing risk coefficient can only represent the risk on the user side, and the cost of exemption of payments for special cases is borne by the property enterprise. In the case of a large number of special cases, it is easy to cause financial risks on the property side after the exemption approval is passed, and the reliability of risk assessment cannot be guaranteed. Summary of the Invention

[0004] The present invention aims to at least solve one of the technical problems existing in the prior art. For this purpose, the present invention provides a method, device, equipment and medium for risk assessment of exemption of special cases, which can evaluate the risks of special cases from multiple dimensions and improve the reliability of payment exemption approval.

[0005] In a first aspect, an embodiment of the present invention provides a method for risk assessment of exemption of special cases, including: Obtaining a target special case and multiple user risk indicators of a target user account, wherein the target special case includes a target exemption amount; Determining the corresponding index risk value for each of the user risk indicators, determining the user risk value based on all the index risk values, and determining the corresponding financial risk value after updating the property financial data based on the target exemption amount; Determining a target weight strategy based on the target exemption amount, and determining a target financial weight and a target user weight based on the target weight strategy and the property financial data, wherein the sum of the target financial weight and the target user weight is 1; Determining a property risk score based on the financial risk value and the target financial weight, determining a user risk score based on the user risk value and the target user weight, and determining the sum of the user risk score and the property risk score as the risk assessment result.

[0006] According to some embodiments of the present invention, the target special case matters further include a target matter type. Determining the index risk value corresponding to each of the user risk indexes and determining the user risk value based on all of the index risk values includes: Determining a target rule from a plurality of preset rules based on the target matter type, wherein the preset rules record the numerical mapping relationship between the values of each of the user risk indexes and the values of the index risk values, and the numerical mapping relationships recorded by different preset rules are different; Based on any one of the user risk indexes, determining the index risk value based on the numerical mapping relationship recorded by the target rule; Obtaining a preset index upper limit value and a user upper limit value, and determining the sum of all the index risk values as the total user risk value; When any one of the index risk values is equal to the index upper limit value, or the total user risk value is greater than the index upper limit value, determining the user upper limit value as the user risk value; Alternatively, determining the ratio of the total user risk value to the user upper limit value as the user risk value.

[0007] According to some embodiments of the present invention, the property financial data includes a first deductible amount, total income, collection rate, and a first deducted amount. After updating the property financial data based on the target deductible amount, determining the corresponding financial risk value includes: Determining a second deductible amount as the difference between the first deductible amount and the target deductible amount, and determining a second deducted amount as the difference between the first deducted amount and the target deductible amount; Determining a remaining amount risk value according to the second deductible amount and the total income, determining a collection risk value based on the collection rate, and determining the ratio of the second deducted amount to the total income as the deductible ratio risk value; Determining the remaining amount risk value, the collection risk value, and the deductible ratio risk value as the financial risk value.

[0008] According to some embodiments of the present invention, the target rule further includes a first weight strategy, a second weight strategy, and a third weight strategy. The numerical ranges of the target deductible amounts corresponding to the first weight strategy, the second weight strategy, and the third weight strategy increase in sequence. Determining a target weight strategy based on the target deductible amount, and determining a target financial weight and a target user weight based on the target weight strategy and the property financial data includes: Determine the target weight policy from the first weight policy, the second weight policy, and the third weight policy based on the target reduction amount, where the first weight policy, the second weight policy, and the third weight policy are preset with preset user weights with different values. Determine the preset user weight of the target weight policy as the target user weight, and determine the target financial weight according to the target user weight. Determine the remaining amount weight, the collection weight, and the reduction ratio weight according to the numerical ratio of the remaining amount risk value, the collection risk value, and the reduction ratio risk value, where the remaining amount weight corresponds to the remaining amount risk value, the collection weight corresponds to the collection risk value, the reduction ratio weight corresponds to the reduction ratio risk value, and the sum of the remaining amount weight, the collection weight, and the reduction ratio weight is the target financial weight.

[0009] According to some embodiments of the present invention, the target rule is further set with a weight lower limit value. After determining the remaining amount weight, the collection weight, and the reduction ratio weight according to the numerical ratio of the remaining amount risk value, the collection risk value, and the reduction ratio risk value, when the target weight policy is the first weight policy, the method further includes: When the remaining amount risk value is less than the reduction ratio risk value, lower the remaining amount weight, the collection weight, and the reduction ratio weight to the weight lower limit value, and update the target user weight based on the updated target financial weight. Or, when the remaining amount risk value is greater than the reduction ratio risk value, increase the remaining amount weight based on a preset first step value, and decrease the target user weight based on the first step value.

[0010] According to some embodiments of the present invention, after determining the remaining amount weight, the collection weight, and the reduction ratio weight according to the numerical ratio of the remaining amount risk value, the collection risk value, and the reduction ratio risk value, when the target weight policy is the second weight policy, the method further includes When the remaining amount risk value is less than the reduction ratio risk value, maintain the current target financial weight and target user weight. Or, when the remaining amount risk value is greater than the reduction ratio risk value, increase the remaining amount weight based on a preset second step value, and decrease the reduction ratio weight based on the second step value, where the second step value is greater than the first step value.

[0011] According to some embodiments of the present invention, after determining the remaining amount weight, the collection weight, and the reduction ratio weight according to the numerical ratio of the remaining amount risk value, the collection risk value, and the reduction ratio risk value, when the target weight strategy is the third weight strategy, the method further includes When the remaining amount risk value is less than the reduction ratio risk value, increase the target user weight based on the second step value, and proportionally reduce the remaining amount weight, the collection weight, and the reduction ratio weight based on the second step value; Or, when the remaining amount risk value is greater than the reduction ratio risk value, increase the reduction ratio weight and the remaining amount weight respectively based on the second step value, and update the target user weight based on the updated target financial weight.

[0012] In a second aspect, an embodiment of the present invention provides a reduction risk assessment device for special cases, including at least one control processor and a memory communicatively connected to the at least one control processor; the memory stores instructions executable by the at least one control processor, and the instructions are executed by the at least one control processor to enable the at least one control processor to execute the reduction risk assessment method for special cases as described in the first aspect above.

[0013] In a third aspect, an embodiment of the present invention provides an electronic device, including the reduction risk assessment device for special cases as described in the second aspect above.

[0014] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, storing computer-executable instructions for executing the reduction risk assessment method for special cases as described in the first aspect above.

[0015] The risk mitigation assessment method for special matters according to an embodiment of the present invention has at least the following beneficial effects: obtaining the target special matter and multiple user risk indicators of the target user account, where the target special matter includes the target mitigation amount; determining the index risk value corresponding to each of the user risk indicators, determining the user risk value based on all the index risk values, and determining the corresponding financial risk value after updating the property financial data based on the target mitigation amount; determining the target weight strategy based on the target mitigation amount, and determining the target financial weight and the target user weight based on the target weight strategy and the property financial data, where the sum of the target financial weight and the target user weight is 1; determining the property risk score based on the financial risk value and the target financial weight, determining the user risk score based on the user risk value and the target user weight, and determining the risk assessment result as the sum of the user risk score and the property risk score. According to the technical solution of the embodiment of the present invention, it is possible to characterize the mitigation risk of special matters from two dimensions of the user risk value and the financial risk value, flexibly select the target weight strategy according to the size of the target mitigation amount, adjust the target user weight and the target financial weight according to the property financial data on the basis of maintaining the sum of 1, and determine the risk assessment result by using the risk score calculated by the weight value that is more in line with the actual data, thereby improving the reliability of the risk assessment result. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 is a schematic diagram of a risk mitigation assessment method for special matters provided by an embodiment of the present invention; Figure 2 is a flowchart of a risk mitigation assessment method for special matters provided by another embodiment of the present invention; Figure 3 is a complete flowchart of a risk mitigation assessment method for special matters provided by another embodiment of the present invention; Figure 4 is a structural diagram of a risk mitigation assessment device for special matters provided by another embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0017] The embodiments of the present invention will be described in detail below. The examples of the embodiments are shown in the drawings, where the same or similar reference numerals denote the same or similar elements or elements having the same or similar functions throughout. The embodiments described below by referring to the drawings are exemplary and are only used to explain the present invention and should not be construed as a limitation of the present invention.

[0018] In the description of the present invention, it should be understood that for the orientation description, such as the orientation or positional relationship indicated by up, down, front, back, left, right, etc., is based on the orientation or positional relationship shown in the drawings. It is only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation. Therefore, it should not be construed as a limitation to the present invention.

[0019] In the description of the present invention, the meaning of several is one or more, the meaning of multiple is more than two, greater than, less than, exceeding, etc. are understood as not including the present number, above, below, within, etc. are understood as including the present number. If the first and second are described, it is only for the purpose of distinguishing technical features, and cannot be understood as indicating or implying relative importance or implicitly indicating the quantity of the indicated technical features or implicitly indicating the sequence relationship of the indicated technical features.

[0020] In the description of the present invention, unless otherwise clearly defined, words such as setting, installing, connecting, etc. should be understood in a broad sense, and those skilled in the art can reasonably determine the specific meanings of the above words in the present invention in combination with the specific content of the technical solution.

[0021] The embodiment of the present invention provides a method, device, equipment and medium for reducing the risk assessment of special cases. Among them, the method for reducing the risk assessment of special cases includes: obtaining the target special case and multiple user risk indicators of the target user account, where the target special case includes the target reduction amount; determining the index risk value corresponding to each user risk indicator, determining the user risk value based on all the index risk values, and determining the corresponding financial risk value after updating the property financial data based on the target reduction amount; determining the target weight strategy based on the target reduction amount, and determining the target financial weight and the target user weight based on the target weight strategy and the property financial data, where the sum of the target financial weight and the target user weight is 1; determining the property risk score based on the financial risk value and the target financial weight, determining the user risk score based on the user risk value and the target user weight, and determining the risk assessment result by adding the user risk score and the property risk score. According to the technical solution of the embodiment of the present invention, it is possible to characterize the risk reduction of special cases through two dimensions of user risk value and financial risk value, flexibly select the target weight strategy according to the size of the target reduction amount, adjust the target user weight and the target financial weight according to the property financial data on the basis of maintaining the sum of 1, and determine the risk assessment result by using the risk score calculated by the weight value that is more in line with the actual data, thereby improving the reliability of the risk assessment result.

[0022] The following is based on the Figure 1 schematic diagram of the principle shown, and the technical solution of the embodiment of the present invention will be further elaborated.

[0023] Reference Figure 2 , Figure 2 A flowchart of a risk reduction assessment method for a special case provided by an embodiment of the present invention, the risk reduction assessment method for a special case includes but is not limited to the following steps: S10, obtaining target special cases and multiple user risk indicators of the target user account, wherein the target special cases include a target reduction amount.

[0024] It should be noted that if Figure 1 As shown, the configuration items of target special cases can be set in the configuration interface of the property receivables center. The configuration items may include user accounts, special case types, target exemption amounts and exemption items, etc. The management personnel generate target special cases after configuring the relevant information in the property receivables center.

[0025] It should be noted that the property accounts receivable middle station is connected to the database of the property management system. The property accounts receivable middle station is pre-configured with multiple user risk indicators. Each user risk indicator corresponds to a risk dimension. The property accounts receivable middle station can obtain relevant data of the target user account from the database based on the configured user risk indicators, so as to conduct subsequent risk assessment.

[0026] For example, Figure 1 As shown in the figure, the type of the target special case is "old debt reduction", that is, the arrears of more than 36 months are reduced, the target reduction amount is 1000, the target user account is "User A", and the reduction project belongs to "A Community Property Service Center". Of course, other dimensions of information can also be added, and no restrictions are made here. User risk indicators can include overdue fees, owner disputes, owner positions and owner credit, and specific indicator types and quantities can be increased or decreased according to actual needs.

[0027] S20, determining the indicator risk value corresponding to each user risk indicator, determining the user risk value based on all the indicator risk values, and determining the corresponding financial risk value after updating the property financial data based on the target exemption amount.

[0028] It should be noted that the property receivables middle station obtains the indicator data of each user risk indicator from the database according to the target user account. The risk parameters represented by each user risk indicator are different. This embodiment configures different indicator risk values for each user risk indicator, and determines the user risk value after determining the risk value of each indicator. In order to facilitate the calculation of the same dimension as the financial risk value, the user risk value and the financial risk value of this embodiment are both represented by a ratio.

[0029] For example, Figure 1As shown, the user risk indicators may include overdue fees, owner disputes, owner positions, and owner credit. After determining that the target user account is "User A", obtain the value of the overdue fees of this user, the record of whether there are owner disputes, the saved owner position, and the value of the owner credit from the database. Determine the corresponding indicator risk value according to specific rules, and calculate the ratio of the sum of the indicator risk values to the set risk upper limit value to obtain the user risk value.

[0030] It should be noted that the property financial data can be obtained from the database. The property financial data in this embodiment includes the amount that can be waived, the amount that has been waived, the collection rate, and the total income. The amount that can be waived and the amount that has been waived can be updated according to the target waiver amount. Just calculate the financial risk value after updating the property financial data. For example, corresponding financial risk values can be preset according to different numerical combinations of the property financial data, or relevant calculation formulas can be configured based on each property financial data. This is not limited here.

[0031] S30. Determine the target weight strategy based on the target waiver amount, and determine the target financial weight and the target user weight based on the target weight strategy and the property financial data, where the sum of the target financial weight and the target user weight is 1.

[0032] It should be noted that according to the description of the above embodiment, the user risk can be characterized by the user risk value, and the risk at the property financial level can be characterized by the financial risk value. Moreover, both the user risk value and the financial risk value are in the form of ratios. In this embodiment, different weight strategies are set for target waiver amounts in different numerical ranges. Through the target weight strategy, the target financial weight and the target user weight are obtained, so that the weights of the user risk value and the financial risk value are dynamically adjusted according to the actual waived amount, improving the accuracy of the calculated risk assessment result.

[0033] It is worth noting that this embodiment ensures that the sum of the target financial weight and the target user weight is 1. Adjusting the target financial weight and the target user weight within the established numerical range can control the risk preference of the property receivables middle desk for risk assessment. When the possibility of user risk is relatively low, it is more biased towards the risk of financial data, and vice versa.

[0034] Exemplarily, the target waiver amount has a certain correlation with the special case and the case type. For example, Figure 1As shown, the special case type is the waiver of arrears over 36 months. If the waiver type of this special case is discount waiver, the target waiver amount is usually not large and usually does not pose a great risk to the property's finances. At this time, the target user weight needs to be adjusted to a larger value so that the property receivables middle desk pays more attention to the risks on the user side during risk assessment and assigns a greater target user weight to the user's waiver qualification during risk assessment. For another example, if the special case is to waive all management fees incurred by the user under force majeure factors, the amount is usually large and is likely to occupy a relatively large amount of the deductible amount of the property management enterprise, posing a greater risk to the finances of the property management enterprise. The property receivables middle desk assigns a greater target financial weight to the property financial data during risk assessment.

[0035] It should be noted that according to the description of the above embodiments, the property financial data can include multiple types of data. Therefore, different weights can be set for each type of data, and the sum can be used as the target financial weight.

[0036] S40. Determine the property risk score based on the financial risk value and the target financial weight, determine the user risk score based on the user risk value and the target user weight, and determine the sum of the user risk score and the property risk score as the risk assessment result.

[0037] It should be noted that after determining the target user weight and the target financial weight, the property risk score can be obtained by multiplying the financial risk value by the target financial weight, the user risk score can be obtained by multiplying the user risk value by the target user weight, and the sum of the two can be determined as the risk assessment result.

[0038] It should be noted that after determining the risk assessment result, the approval process for special cases can be initiated according to different levels of the risk assessment result. For example, when the risk assessment result is low risk, only the system needs to automatically approve whether the target waiver amount can be met; when the risk assessment result is medium risk, manual review by ordinary managers is required; when the risk assessment result is high risk, manual review by senior managers is required. The specific approval process for special cases after determining the risk assessment result is not limited here.

[0039] Exemplarily, taking the risk level being divided into 3 levels as an example, the risk assessment result is Rscore. The condition for low-level risk is Rscore ≤ 15, the condition for medium-level risk is 15 < Rscore ≤ 40, and the condition for high-level risk is 40 < Rscore; such as Figure 1As shown, taking the user risk value as 0.1 as an example, the target user weight is 20%. The financial risk value includes the remaining amount risk value of 0.03 obtained from the deductible amount, the collection risk value of 0.1 obtained from the collection rate, and the reduction ratio risk value of 0.05 obtained from the deducted amount. The corresponding weights are 30%, 20%, and 30% in sequence. The calculated user risk score is 0.1×20% = 0.02, the property risk score is 0.03×30% + 0.1×20% + 0.05×30% = 0.044, and the risk assessment result is 0.02 + 0.044 = 0.064. To better reflect the score, the risk assessment result can be magnified 100 times to obtain Rscore = 6.4, with less than 15 being low risk.

[0040] In addition, in one embodiment, referring to Figure 3 , the target special case matters further include the target matter type. In step S20, determining the respective index risk values corresponding to each user risk index, and determining the user risk value based on all the index risk values specifically includes but is not limited to the following steps: S21, determining the target rule from multiple preset rules based on the target matter type, where the preset rules record the numerical mapping relationship between the values of each user risk index and the index risk value, and the numerical mapping relationships recorded by different preset rules are different; S22, based on any user risk index, determining the index risk value based on the numerical mapping relationship recorded by the target rule; S23, obtaining the preset index upper limit value and user upper limit value, and determining the total user risk value as the sum of all the index risk values; S24, when any index risk value is equal to the index upper limit value, or the total user risk value is greater than the index upper limit value, determining the user upper limit value as the user risk value; S25, determining the ratio of the total user risk value to the user upper limit value as the user risk value.

[0041] It should be noted that according to the description of the above embodiments, the special case matters have different matter types. In this embodiment, the corresponding target matter type is selected when configuring the special case matters, and a preset rule is constructed for each type of special case matter in the property receivables middle platform, so that the corresponding target rule can be matched after determining the target matter type. In this embodiment, the numerical mapping relationship between the values of the user risk index and the risk value index is recorded in the preset rule. Of course, other information related to the special case matters, such as different weight strategies, can also be recorded in the preset rule. The preset rules can be pre-set and approved by the management personnel in the property receivables middle platform, so that after each special case matter is constructed, the relevant target rules can be directly matched and applied.

[0042] Exemplarily, such as Figure 1As shown, the user risk indicators include baseline risk, overdue fees, owner disputes, owner positions, and owner credit. Taking "waiver of old arrears" as an example for special cases, the following numerical mapping relationships are recorded in the corresponding target rules: When the user risk indicator is baseline risk, the corresponding indicator risk value is a fixed value of 20; when the user risk indicator is overdue fees, the indicator risk value is 10 when the overdue amount is from 0 to 1000, 20 when the overdue amount is from 1000 to 5000, 40 when the overdue amount is from 5000 to 20000, and 100 when the overdue amount is greater than 20000; when the user risk indicator is owner disputes, the indicator risk value is 20 when the database records the dispute information corresponding to the target user account, and 0 otherwise; when the user risk indicator is owner position, the indicator risk value is -5 when the database records the position information corresponding to the target user account, and 0 otherwise; when the user risk indicator is owner credit, by querying the overdue record corresponding to the target user account in the database, if there is no overdue for 1 consecutive year, the indicator risk value is -5, if there is no overdue for 2 consecutive years, the indicator risk value is -10, and so on.

[0043] It should be noted that the number of user risk indicators in this embodiment is multiple. Since the user risk value is in the form of a ratio and the financial risk value also needs to be considered when determining the risk assessment result, the property receivables middle desk presets an indicator upper limit value and a user upper limit value. The indicator upper limit value represents the upper limit of the indicator risk value, and the user upper limit value represents the upper limit of the user risk value, so as to prevent the user risk value from being much larger than the financial risk value, resulting in the financial risk value not being fully evaluated.

[0044] It is worth noting that when any indicator risk value or the sum of indicator risk values reaches the indicator upper limit value, the calculation of the user risk value is no longer performed, but the user upper limit value is directly used as the user risk value to reflect the maximum consideration degree of user risk. Although the user risk value in this embodiment is in the form of a ratio, the user upper limit value in this embodiment is set to 1. When determining the risk assessment result, due to the existence of the target user weight, the user risk score will not exceed the dimension, and the data accuracy of the risk assessment result is ensured through the user upper limit value.

[0045] Exemplarily, as Figure 1 shown, taking the indicator upper limit value as 100, the user upper limit value as 1, and the user risk indicator as "overdue fees" as an example, when the overdue amount is greater than 20000, the indicator risk value increases to 100, and the user risk value is directly determined to be 1.

[0046] Exemplarily, as Figure 1As shown, when the overdue amount is 3,000, the unique indicator risk value is 20, the indicator risk value of the benchmark risk is 20. Due to the existence of a dispute with the property owner, the corresponding indicator risk value is 20, the indicator risk value corresponding to the property owner's position is 0, and the indicator risk value corresponding to the property owner's credit is 0. Therefore, the total user risk value is 20 + 20 + 20 = 60, and the user risk value is 60 / 100 = 0.6.

[0047] In addition, in one embodiment, referring to Figure 3 , the property financial data includes the first deductible amount, total income, collection rate, and the first deducted amount. In step S20, after updating the property financial data based on the target deductible amount, the corresponding financial risk value is determined, which specifically includes but is not limited to the following steps: S26, determine the second deductible amount by taking the difference between the first deductible amount and the target deductible amount, and determine the second deducted amount by taking the difference between the first deducted amount and the target deductible amount; S27, determine the remaining amount risk value based on the second deductible amount and the total income, determine the collection risk value based on the collection rate, and determine the deduction ratio risk value by taking the ratio of the second deducted amount to the total income; S28, determine the remaining amount risk value, the collection risk value, and the deduction ratio risk value as the financial risk value.

[0048] It should be noted that the financial data of this embodiment includes the first deductible amount, total income, collection rate, and the first deducted amount. The first deductible amount and the first deducted amount are the remaining amounts before the calculation of this special case. The total income and the collection rate can be the data of the past year, which is used to represent the income ability of the finance. After determining the target deductible amount, the first deductible amount and the first deducted amount are respectively updated to the second deductible amount and the second deducted amount. By determining the risk value according to the updated data in this embodiment, the risk caused to the property financial data after the special case of deduction can be better reflected, and the accuracy of risk assessment can be improved.

[0049] It should be noted that in this embodiment, the remaining amount risk value is determined based on the second deductible amount and the total income. The specific calculation formula is 1 - Aremaining / Itotal, where Aremaining is the second deductible amount and Itotal is the total income. The remaining amount risk value represents the proportion of the remaining deductible amount to the total income. The larger the value of the second deductible amount, the more available amount, and the lower the remaining amount risk value. The ratio of the second deducted amount to the total income is determined as the deduction ratio risk value. The specific calculation formula is Acurrent / Itotal, where Acurrent is the second deducted amount. The deduction ratio risk value represents the proportion of the current deducted amount to the total income. The higher the value of the second deducted amount, the higher the deduction ratio risk value. When determining the collection risk value based on the collection rate, in order to represent the impact of the property fee collection rate in the previous statistical period on the risk through the collection risk value, the collection risk value calculation formula in this embodiment is 1 - clast / 100, where clast is the collection rate. The higher the collection rate, the lower the collection risk value.

[0050] In addition, in one embodiment, referring to Figure 3 , the target rules further include a first weight strategy, a second weight strategy, and a third weight strategy. The numerical ranges of the target deductible amounts corresponding to the first weight strategy, the second weight strategy, and the third weight strategy increase in sequence. Step S30 specifically includes but is not limited to the following steps: S31. Determine the target weight strategy from the first weight strategy, the second weight strategy, and the third weight strategy based on the target deductible amount. Among them, the first weight strategy, the second weight strategy, and the third weight strategy are preset with preset user weights with different values. S32. Determine the preset user weight of the target weight strategy as the target user weight, and determine the target financial weight according to the target user weight. S33. Determine the remaining amount weight, the collection weight, and the deduction ratio weight according to the numerical ratio of the remaining amount risk value, the collection risk value, and the deduction ratio risk value. Among them, the remaining amount weight corresponds to the remaining amount risk value, the collection weight corresponds to the collection risk value, and the deduction ratio weight corresponds to the deduction ratio risk value. The sum of the remaining amount weight, the collection weight, and the deduction ratio weight is the target financial weight.

[0051] It should be noted that in this embodiment, multiple weight strategies are respectively set for each preset rule, which are used to indicate the weight strategies corresponding to different reduction amounts in the corresponding matters. The target rules of this embodiment include the first weight strategy, the second weight strategy, and the third weight strategy. The numerical ranges of the target reduction amounts corresponding to the first weight strategy, the second weight strategy, and the third weight strategy increase in sequence, so as to respectively correspond to different orders of magnitude of the target reduction amount. For example, the first weight strategy corresponds to the weight strategy when the target reduction amount is small. At the same time, different preset user weights are respectively set for the first weight strategy, the second weight strategy, and the third weight, and the preset user weight is used as the starting weight under the corresponding strategy. For example, the preset user weight of the first weight strategy is 20%, the preset user weight of the second weight strategy is 30%, and the preset user weight of the third weight strategy is 40%.

[0052] It should be noted that this embodiment performs a numerical comparison based on the value of the target reduction amount and the numerical ranges of each weight strategy to determine the target weight strategy, and determines the corresponding preset user weight as the target user weight. Since the sum of the target user weight and the target financial weight is 1, the target financial weight can be directly determined after determining the target user weight, so that the target financial weight and the target user weight can be flexibly adjusted according to the target reduction amount and the target matter type of the special case. For example, when the target user weight is determined to be 30%, the target financial weight is 1 - 30% = 70%.

[0053] It should be noted that the property financial data in this embodiment includes multiple components as described in the above embodiment, but not all property financial data is proportional to the risk. For example, the second deductible amount is inversely proportional to the remaining amount risk value, the second reduced amount is directly proportional to the reduction ratio risk value, and the collection rate is inversely proportional to the collection risk value. Therefore, the corresponding weights cannot be directly determined in proportion to the values of various property financial data, but the corresponding risk values need to be used to determine the weights. The values of the remaining amount risk value, the collection risk value, and the reduction ratio risk value are all directly proportional to the level of risk. Therefore, this embodiment determines the remaining amount weight, the collection weight, and the reduction ratio weight according to the numerical ratio of the remaining amount risk value, the collection risk value, and the reduction ratio risk value, so that their respective weights can be dynamically adjusted according to the level of risk, and parameters with higher risks can have larger weight values during risk assessment.

[0054] Exemplarily, taking the target financial weight as 80% as an example, taking the remaining amount risk value as 0.05 as an example, the collection risk value as 0.1 as an example, and the reduction ratio risk value as 0.05 as an example, after proportional division, the remaining amount weight is 20%, the collection weight is 40%, and the reduction ratio weight is 20%.

[0055] In addition, in one embodiment, referring to Figure 3, the target rule also sets a lower limit value for the weight. After step S33 is executed, when the target weight policy is the first weight policy, it further includes but is not limited to the following steps: S3311, when the remaining amount risk value is less than the reduction ratio risk value, lower the remaining amount weight, collection weight, and reduction ratio weight to the lower limit value of the weight, and update the target user weight based on the updated target financial weight; S3312, when the remaining amount risk value is greater than the reduction ratio risk value, increase the remaining amount weight based on a preset first step value, and decrease the target user weight based on the first step value.

[0056] It should be noted that in this embodiment, a lower limit value for the weight is set in the target rule. For types with relatively low risks, the lower limit value of the weight is uniformly adopted. Since the collection risk value is fixed and not affected by the target reduction amount, if the second deductible amount is large and the value of the second reduced amount is small, it will result in an overly large collection weight for the collection risk value, leading to distorted evaluation during risk assessment. For example, when the lower limit value of the weight is set to 5%, when the approval of special cases is carried out for the first time, the second reduced amount is equal to the target reduction amount, which will result in a very small value for the reduction ratio risk value. For example, the calculated reduction ratio risk value is 0.001, the remaining amount risk value is 0.001, and the collection risk value remains 0.1 as mentioned above. In the case where the target financial weight is 60%, the collection weight is 58%, resulting in an overly large collection weight and distorted evaluation. Therefore, in this embodiment, a lower limit value for the weight is set. Taking 10% as an example, even in the above scenario, it can still ensure that the remaining amount weight and the reduction ratio weight are both 10%, and the collection weight is 40%, improving the rationality of the data.

[0057] It should be noted that the calculation formula for the remaining amount risk value is 1 - Aremaining / Itotal, and the calculation formula for the reduction ratio risk value is Acurrent / Itotal. The available remaining amount decreases from the maximum value, and the used reduction amount increases from 0. Moreover, the value of each change for both is the target reduction amount. The maximum value of the used reduction amount and the maximum value of the available remaining amount are the same. Taking the maximum value as Amax for example, then there must be Amax = Aremaining + Acurrent. Therefore, Aremaining / Itotal and Acurrent / Itotal change in proportion. On this basis, when the remaining amount risk value is less than the reduction ratio risk value, it can be determined that the available reduction amount is large and the used reduction amount is small. On the contrary, when the remaining amount risk value is greater than the reduction ratio risk value, it can be determined that the available reduction amount is small and the used reduction amount is large. Based on this, the subsequent steps S3311 - S331, S3321 - S3322, and S3331 - S3332 are discussed.

[0058] It should be noted that according to the description of the above embodiments, in the case of applying the first weight strategy, the value of the target reduction amount is small, and the financial pressure for special cases is not significant. It is more necessary to focus on the risks from the user side. Therefore, when the value of the amount that can be reduced is large and the value of the amount that has been reduced is small, if it can still be determined that the remaining amount risk value is less than the reduction ratio risk value, it can be determined that the target reduction amount for special cases has less pressure on the property finance. In this scenario, the weights of the remaining amount, collection, and reduction ratio are dynamically adjusted down to the lower limit of the weight. In this scenario of this embodiment, the value of the target financial weight is adjusted down. Since the sum of the target financial weight and the target user weight is 1, this triggers a linkage adjustment of the target user weight, actually increasing the target user weight, thereby increasing the weight of user risks.

[0059] Exemplarily, taking 10% as the lower limit of the weight, when the target user weight is 40% and the target financial weight is 60%, in the case of a relatively large remaining available amount and a relatively small amount that has been reduced, the weights of the remaining amount, collection, and reduction ratio are set to 10%, so that the target financial weight is adjusted down to 30% and the target user weight is adjusted up to 70%. When conducting risk assessment, there is not much risk on the property finance side, and more attention can be paid to the risks on the user side, improving the rationality of risk assessment.

[0060] It should be noted that in step S3312, due to the relatively small remaining available amount, even if the value of the target reduction amount is small, it will pose a greater risk to the finance. In this embodiment, the weight of the remaining amount is increased based on the first step value. Since the financial risk under the first weight strategy is small, after the adjustment of the remaining amount weight, the risk of the available reduction amount is greater than the degree of risk concern on the user side. In this embodiment, the target user weight is reduced based on the first step value, and the weight of the remaining amount is increased while maintaining relatively low collection weight and reduction ratio weight, realizing the adjustment of risk preference through flexible adjustment of weights.

[0061] In addition, in one embodiment, referring to Figure 3 After step S33 is executed, when the target weight strategy is the second weight strategy, it further includes but is not limited to the following steps: S3321, when the remaining amount risk value is less than the reduction ratio risk value, maintain the current target financial weight and target user weight; S3322, when the remaining amount risk value is greater than the reduction ratio risk value, increase the weight of the remaining amount based on a preset second step value, and reduce the reduction ratio weight based on the second step value, where the second step value is greater than the first step value.

[0062] It should be noted that according to the analysis of the above embodiments, the available remaining reduction amount is relatively large, and the range of the target reduction amount corresponding to the second weight strategy is between the first weight strategy and the third weight strategy. The target reduction amount corresponding to the first weight strategy is relatively small. It is easy that after the reduction, there will not be too much numerical change in the remaining amount weight and the reduction ratio weight. Therefore, it is necessary to introduce a weight lower limit value for correction. However, the target reduction amount corresponding to the second weight strategy in this embodiment is greater than the amount when the first weight strategy is applied. Therefore, it can be considered that under the second weight strategy, after updating the property financial data based on the target reduction amount, the determined weight values can avoid excessive errors numerically. Based on this, in step S3321, it can be considered that the risks caused by the target reduction amount to the user and the property finance are quite the same, and there is no need to adjust the weights, and the target financial weights determined based on the numerical ratio can be maintained.

[0063] It should be noted that in step S3322, the available remaining amount is less and the reduced amount is more. Different from step S3312, the target reduction amount in this embodiment is larger. Therefore, when adjusting the remaining amount weight, a second step value with a larger value is introduced. For example, if the first step value is 10%, the second step value can be 15%. At the same time, in step S3312, the first step value by which the remaining amount weight decreases is transferred to the target user weight, while in this embodiment, the second step value is transferred to the reduction ratio weight. When the target reduction amount causes a positive correlation change between the two amounts, the risks are transferred synchronously, and the risk differences brought by the obvious amount change can be more reflected when performing risk assessment.

[0064] In addition, in one embodiment, referring to Figure 3 , after step S33 is executed, when the target weight strategy is the third weight strategy, it further includes but is not limited to the following steps: S3331, when the remaining amount risk value is less than the reduction ratio risk value, increase the target user weight based on the second step value, and proportionally reduce the remaining amount weight, the collection weight, and the reduction ratio weight based on the second step value; S3332, when the remaining amount risk value is greater than the reduction ratio risk value, increase the reduction ratio weight and the remaining amount weight respectively based on the second step value, and update the target user weight based on the updated target financial weight.

[0065] It should be noted that the third weight strategy is applied to the scenario where the target reduction amount is large. In step S3331, the available remaining amount is more. When performing a large amount of reduction, in this embodiment, the target user weight is increased based on the second step value, and more weights are given to the user side when the available reduction amount is sufficient, so as to amplify the user risk and ensure a full assessment of the user risk when performing a large amount of reduction.

[0066] It should be noted that in step S3332, the available remaining amount is small, and the financial risk of the property is greater than the risk on the user side. Therefore, this embodiment increases the exemption ratio weight and the remaining amount weight at the same time with a larger second step value, and simultaneously adjusts the target user weight, transferring part of the target user weight value to the exemption ratio weight and the remaining amount weight, so that the financial risk can be considered more when conducting risk assessment, thereby improving the reliability of risk assessment. Of course, the updated target user weight needs to at least meet the lower limit of the weight, that is, after reducing the target user weight by twice the second step value, In order to better reflect the technical solution of this embodiment, the following Figure 1 A specific example is provided, in which the target policy takes the third weight policy as an example.

[0067] The management personnel construct a special event in the property receivables middle platform. The target user account is "User A", the target item type is "Old Debt Reduction", the target reduction amount is 1000, and the reduction project is "Community A Property Service Center". According to the "Old Debt Reduction", the preset rule 1 is obtained as the target rule. Among the user risk indicators obtained by the target user account, the arrears are 500, the owner disputes are "yes", the owner position is "no", and the owner credit is "no", so the indicator risk value is calculated to be 20 (baseline risk) + 10 (arrears) + 20 (owner disputes) = 50. Taking the user upper limit value of 500 as an example, the calculated user risk value is 0.1, and the preset target user weight is 20%.

[0068] Then, the current property financial data is obtained according to the exemption items, among which the first exempt amount is 4000, the collection rate is 90%, the first exempted amount is 4000, the total income is 100000, the updated second exempt amount is 3000, the second exempted amount is 5000, the remaining amount risk value is 1-3000 / 10000=0.7, the exemption ratio risk is 5000 / 10000=0.5, the collection risk value is 1-0.9=0.1, and the target financial weight is 80%, thus determining the remaining amount risk weight to be 43%, the collection weight to be 7%, and the exemption ratio weight to be 30%.

[0069] Then, since the remaining amount risk value (0.7) is greater than the exemption ratio risk value (0.5) under the third weight strategy, the adjustment method of the above step S3332 is triggered. Taking 5% as an example, the second step value is adjusted to 48% for the remaining amount risk weight, 35% for the exemption ratio weight, and the target user weight is reduced to 10%.

[0070] Then, the user risk score is 0.1 × 10% = 0.01, the property risk score is 0.7 × 0.48 + 0.5 × 0.3 + 0.1 × 0.7 = 0.7, and the risk assessment result is (0.01 + 0.7) × 100 = 71, which meets the above high - risk classification.

[0071] As Figure 4 shown, Figure 4 is a structural diagram of a special - case matter risk - mitigation assessment device provided by an embodiment of the present invention. The present invention also provides a special - case matter risk - mitigation assessment device, including: A processor 401, which can be implemented in ways such as a general - purpose central processing unit (CPU), a micro - processor, an application - specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided by the embodiments of the present application; A memory 402, which can be implemented in forms such as a read - only memory (ROM), a static storage device, a dynamic storage device, or a random - access memory (RAM). The memory 402 can store an operating system and other application programs. When implementing the technical solutions provided by the embodiments of this specification through software or firmware, the relevant program codes are stored in the memory 402 and are called by the processor 401 to execute the special - case matter risk - mitigation assessment method of the embodiments of the present application; An input / output interface 403, which is used to implement information input and output; A communication interface 404, which is used to implement communication interaction between this device and other devices, and can achieve communication through wired means (such as USB, network cable, etc.) or wireless means (such as mobile network, WIFI, Bluetooth, etc.); A bus 405, which transmits information between various components of the device (such as the processor 401, the memory 402, the input / output interface 403, and the communication interface 404); Among them, the processor 401, the memory 402, the input / output interface 403, and the communication interface 404 achieve communication connections with each other inside the device through the bus 405.

[0072] The embodiments of the present application also provide an electronic device, including the special - case matter risk - mitigation assessment device as described above.

[0073] An embodiment of the present application also provides a storage medium, which is a computer-readable storage medium. The storage medium stores a computer program, and when the computer program is executed by a processor, it implements the risk mitigation assessment method for the above special matters.

[0074] As a non-transitory computer-readable storage medium, a memory can be used to store non-transitory software programs and non-transitory computer-executable programs. In addition, the memory can include high-speed random access memory, and can also include non-transitory memory, such as at least one magnetic disk storage device, a flash memory device, or other non-transitory solid-state storage devices. In some embodiments, the memory may optionally include a memory remotely disposed relative to the processor, and these remote memories can be connected to the processor through a network. Examples of the above network include but are not limited to the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof. The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separated, and may be located in one place, or may be distributed to multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0075] Those of ordinary skill in the art can understand that all or some of the steps and systems in the methods disclosed above can be implemented as software, firmware, hardware, and appropriate combinations thereof. Some physical components or all physical components can be implemented as software executed by a processor, such as a central processing unit, a digital signal processor, or a microprocessor, or can be implemented as hardware, or can be implemented as an integrated circuit, such as an application-specific integrated circuit. Such software can be distributed on a computer-readable medium, which can include a computer storage medium (or non-transitory medium) and a communication medium (or transitory medium). As is well known to those of ordinary skill in the art, the term computer storage medium includes volatile and non-volatile, removable and non-removable media implemented in any method or technology for storing information, such as computer-readable instructions, data structures, program modules, or other data. Computer storage media includes but is not limited to RAM, ROM, EEPROM, flash memory or other memory technologies, CD-ROM, digital versatile disc (DVD) or other optical disc storage, magnetic cassette, tape, magnetic disk storage or other magnetic storage devices, or any other medium that can be used to store the desired information and can be accessed by a computer. In addition, as is well known to those of ordinary skill in the art, a communication medium generally includes computer-readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave or other transmission mechanism, and can include any information delivery medium.

[0076] The above is a specific description of the preferred embodiment of the present invention. However, the present invention is not limited to the above-mentioned embodiments. Those skilled in the art can make various equivalent deformations or substitutions without departing from the spirit of the present invention, and these equivalent deformations or substitutions are all included within the scope defined by the claims of the present invention.

Claims

1. A method for assessing the risk of exemption for special case matters, characterized in that, Including: Obtaining a target special case item and multiple user risk indicators of a target user account, where the target special case item includes a target reduction amount; Determining the index risk value corresponding to each of the user risk indicators, determining the user risk value based on all the index risk values, and determining the corresponding financial risk value after updating the property financial data based on the target reduction amount; Determining a target weight strategy based on the target reduction amount, and determining a target financial weight and a target user weight based on the target weight strategy and the property financial data, where the sum of the target financial weight and the target user weight is 1; Determining a property risk score based on the financial risk value and the target financial weight, determining a user risk score based on the user risk value and the target user weight, and determining the sum of the user risk score and the property risk score as the risk assessment result.

2. The risk mitigation assessment method for special cases according to claim 1, characterized in that The target special case item further includes a target item type. Determining the index risk value corresponding to each of the user risk indicators, and determining the user risk value based on all the index risk values, includes: Determining a target rule from multiple preset rules based on the target item type, where the preset rules record the numerical mapping relationship between the values of each user risk indicator and the index risk value, and the numerical mapping relationships recorded by different preset rules are different; Based on any one of the user risk indicators, determining the index risk value based on the numerical mapping relationship recorded by the target rule; Obtaining a preset index upper limit value and a user upper limit value, and determining the total user risk value as the sum of all the index risk values; When any one of the index risk values is equal to the index upper limit value, or the total user risk value is greater than the index upper limit value, determining the user upper limit value as the user risk value; Or, determining the ratio of the total user risk value to the user upper limit value as the user risk value.

3. The risk reduction assessment method for special case matters according to claim 2, characterized in that The property financial data includes a first deductible amount, total income, collection rate, and a first deducted amount. Determining the corresponding financial risk value after updating the property financial data based on the target reduction amount includes: Determining a second deductible amount as the difference between the first deductible amount and the target reduction amount, and determining a second deducted amount as the difference between the first deducted amount and the target reduction amount; Determining a remaining amount risk value based on the second deductible amount and the total income, determining a collection risk value based on the collection rate, and determining a reduction ratio risk value as the ratio of the second deducted amount to the total income; Determining the remaining amount risk value, the collection risk value, and the reduction ratio risk value as the financial risk value.

4. The risk reduction assessment method for special case matters according to claim 3, characterized in that The target rule further includes a first weight strategy, a second weight strategy, and a third weight strategy. The numerical ranges of the target reduction amount corresponding to the first weight strategy, the second weight strategy, and the third weight strategy increase in sequence. Determining a target weight strategy based on the target reduction amount, and determining a target financial weight and a target user weight based on the target weight strategy and the property financial data, includes: Determine the target weight policy from the first weight policy, the second weight policy, and the third weight policy based on the target reduction amount, where the first weight policy, the second weight policy, and the third weight policy have preset user weights with different values. Determine the preset user weight of the target weight policy as the target user weight, and determine the target financial weight according to the target user weight. Determine the remaining amount weight, the collection weight, and the reduction ratio weight according to the numerical ratios of the remaining amount risk value, the collection risk value, and the reduction ratio risk value, where the remaining amount weight corresponds to the remaining amount risk value, the collection weight corresponds to the collection risk value, the reduction ratio weight corresponds to the reduction ratio risk value, and the sum of the remaining amount weight, the collection weight, and the reduction ratio weight is the target financial weight.

5. The risk mitigation assessment method for special cases according to claim 4, characterized in that, The target rule is also set with a weight lower limit value. After determining the remaining amount weight, the collection weight, and the reduction ratio weight according to the numerical ratios of the remaining amount risk value, the collection risk value, and the reduction ratio risk value, when the target weight policy is the first weight policy, the method further includes: When the remaining amount risk value is less than the reduction ratio risk value, lower the remaining amount weight, the collection weight, and the reduction ratio weight to the weight lower limit value, and update the target user weight based on the updated target financial weight. Or, when the remaining amount risk value is greater than the reduction ratio risk value, increase the remaining amount weight based on a preset first step value, and decrease the target user weight based on the first step value.

6. The risk mitigation assessment method for special cases according to claim 5, characterized in that, After determining the remaining amount weight, the collection weight, and the reduction ratio weight according to the numerical ratios of the remaining amount risk value, the collection risk value, and the reduction ratio risk value, when the target weight policy is the second weight policy, the method further includes When the remaining amount risk value is less than the reduction ratio risk value, maintain the current target financial weight and the target user weight. Or, when the remaining amount risk value is greater than the reduction ratio risk value, increase the remaining amount weight based on a preset second step value, and decrease the reduction ratio weight based on the second step value, where the second step value is greater than the first step value.

7. The risk reduction assessment method for special case matters according to claim 6, characterized in that, After determining the remaining amount weight, the collection weight, and the reduction ratio weight according to the numerical ratios of the remaining amount risk value, the collection risk value, and the reduction ratio risk value, when the target weight policy is the third weight policy, the method further includes When the remaining amount risk value is less than the reduction ratio risk value, increase the target user weight based on the second step value, and proportionally reduce the remaining amount weight, the collection weight, and the reduction ratio weight based on the second step value. Or, when the remaining amount risk value is greater than the reduction ratio risk value, increase the reduction ratio weight and the remaining amount weight respectively based on the second step value, and update the target user weight based on the updated target financial weight.

8. A risk reduction assessment device for special case matters, characterized in that, Comprising at least one control processor and a memory communicatively connected to the at least one control processor; the memory stores instructions executable by the at least one control processor, and the instructions are executed by the at least one control processor to enable the at least one control processor to execute the risk mitigation assessment method for the special case matters described in any one of claims 1 to 7.

9. An electronic device, characterized in that, Comprising the risk mitigation assessment device for the special case matters described in claim 8.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions for causing a computer to execute the risk mitigation assessment method for the special case matters described in any one of claims 1 to 7.

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