Risk control management method and system based on pedestrian credit investigation time sequence variable, and medium

Abstract

The invention provides a risk control management method and system based on a pedestrian credit investigation time sequence variable and a medium, and belongs to the technical field of data processing. Determining a risk assessment processing strategy of the credit risk change customer, determining an update assessment result of the credit risk of the credit customer based on the risk assessment processing strategy, and determining the credit risk change of the credit customer based on the update assessment result and the change condition of the credit risk assessment result. And the updating processing mode of the risk control management strategy of the pedestrian credit investigation time sequence variable of the credit risk change customer is determined, so that the reliability of the updating processing of the credit risk is improved.

Description

Technical Field

[0001] The present invention belongs to the technical field of data processing, and particularly relates to a risk control management method, system and medium based on time series variables of personal credit investigation. Background Art

[0002] In the process of controlling the credit risk of users, the personal credit investigation data of the central bank is crucial. Specifically, in the invention patent application CN202410105732.0, "A Method and System for Personal Credit Investigation Credit Scoring Based on a Time Series Diagram Model", the credit behavior sequences such as the selection of user institution types in personal credit investigation are automatically characterized through a time series diagram model, and the potential correlation between the changes in credit behavior and risks is fully learned to achieve an accurate classification of the user risk level, so as to provide more accurate and comprehensive credit decision-making support for financial institutions.

[0003] In the process of obtaining the time series variables of personal credit investigation information, due to the differences in the changes of personal credit investigation information of different post-loan users, considering only the personal credit investigation information, especially when the degree of change of personal credit investigation information is relatively high, it is difficult to meet the requirements of the reliability of the evaluation and processing of credit risk. Therefore, how to realize the risk assessment strategy for post-loan users and the dynamic update processing of the risk assessment strategy according to the changes in the time series of personal credit investigation information, that is, whether to consider other dimension data and the dynamic update processing of the conditions for considering other dimension data, to ensure the reliability of the evaluation and processing of credit risk has become an urgent technical problem to be solved.

[0004] To solve the above technical problems, the present application provides a risk control management method, system and medium based on time series variables of personal credit investigation. Summary of the Invention

[0005] To achieve the object of the present invention, the present invention adopts the following technical solutions: Specifically, in the first aspect, the present application provides a risk control management method based on time series variables of personal credit investigation, which specifically includes: S1 When it is determined that there is no aggregation risk for the credit customer based on the correlation of the disbursement data of the credit customer and other credit customers, proceed to the next step; S2 Obtain and process the personal credit investigation data of the credit customer according to a preset strategy, determine the change situation of the personal credit investigation data of the credit customer, and combine the historical change situation of the personal credit investigation data of the credit customer to determine the credit risk change customers among the credit customers; S3 Determine the risk assessment processing strategy for the credit risk change customers based on the change situation of the personal credit investigation data of the credit risk change customers and the historical update situation of the evaluation results of the credit risk; S4 determines the updated assessment result of the credit risk of the credit customer based on the risk assessment processing strategy, and determines the updated processing method of the risk control management strategy of the time series variable of the credit customer's credit investigation with the People's Bank of China based on the updated assessment result and the change situation of the assessment result of the credit risk.

[0006] The beneficial effects of the present invention are as follows: Based on the association situation of the utilization data of the credit customer and other credit customers, it is determined whether the credit customer has an aggregation risk, thereby realizing the screening of credit customers with an aggregation fraud risk from the similarity of the utilization location, utilization object, and utilization time, and also laying a foundation for generating a differentiated processing strategy for the assessment and processing of the credit risk of credit customers with an aggregation fraud risk, improving the timeliness and reliability of the assessment and processing of credit risk.

[0007] Based on the updated assessment result and the change situation of the assessment result of the credit risk, it is determined the updated processing method of the risk control management strategy of the time series variable of the credit customer's credit investigation with the People's Bank of China. This not only considers the change situation of the updated assessment result of the credit risk, but also considers the change situation of the assessment result of the credit risk in history, thereby ensuring the timeliness and reliability of the updated processing of the credit risk of credit customers with frequent and large-amplitude changes in credit risk. At the same time, through the determination of a differentiated risk control management strategy, the efficiency of the updated processing of the credit risk of the credit customers of the credit granting institution is also ensured.

[0008] A further technical solution is that the utilization data includes the utilization times of the credit user for different utilization objects, the utilization amounts for different utilization times, and the utilization locations.

[0009] A further technical solution is that determining that the credit customer has no aggregation risk specifically includes: Based on the association situation of the utilization data of the credit customer and other credit customers, determine the same situation of the utilization objects and utilization locations of the credit customer and other credit customers for different utilization times, and determine the consistent utilization times of the credit customer and other credit customers for the utilization times when both the utilization object and the utilization location are the same; Based on the deviation situation of the utilization time of the consistent utilization times, determine the utilization times with similar times in the consistent utilization times of the credit customer and other credit customers; According to the utilization times with similar times of the credit customer and other credit customers, determine whether the credit customer has an aggregation risk.

[0010] A further technical solution lies in that the number of similar draw times at a certain moment is the number of consistent draw times when the deviation amount between the draw times of the credit customer and other credit customers is less than a preset moment deviation amount threshold.

[0011] A further technical solution lies in that when the number of other credit customers whose number of similar draw times at a certain moment with the credit customer is greater than a preset number threshold of similar draw times at a certain moment is greater than a preset credit customer number threshold, it is determined that the credit customer has an aggregation risk.

[0012] A further technical solution lies in that the method for determining the update processing method of the risk control management strategy of the time series variable of the credit investigation of the People's Bank of China for the credit risk variable customer is as follows: Based on the update evaluation result and the change situation of the evaluation result of the credit risk, determine the change amount between the update evaluation result of the credit risk variable customer and the evaluation result of the nearest credit risk, and use it as the credit risk change amount; Based on the change situation of the evaluation result of the credit risk, determine the number of risk changes in different credit risk evaluation times; Based on the number of risk changes and the credit risk change amount, determine the update processing method of the risk control management strategy of the time series variable of the credit investigation of the People's Bank of China for the credit risk variable customer.

[0013] A further technical solution lies in that the number of risk changes is the credit risk evaluation time when the change amount of the evaluation result of the credit risk between adjacent credit risk evaluation times is greater than a preset risk change amount threshold.

[0014] In a second aspect, the present invention provides a computer system, including: a memory and a processor connected by communication, and a computer program stored on the memory and capable of running on the processor. When the processor runs the computer program, it executes the above-mentioned risk control management method based on the time series variable of the credit investigation of the People's Bank of China.

[0015] In a third aspect, the present invention provides a computer storage medium, on which a computer program is stored. When the computer program is executed in a computer, the computer is made to execute the above-mentioned risk control management method based on the time series variable of the credit investigation of the People's Bank of China.

[0016] Other features and advantages will be described in the subsequent description. The purpose and other advantages of the present invention are realized and obtained by the structure specifically pointed out in the description and the drawings.

[0017] To make the above-mentioned purposes, features and advantages of the present invention more obvious and understandable, the following specifically enumerates preferred embodiments and, in conjunction with the accompanying drawings, makes a detailed description as follows. Description of the Drawings

[0018] The above and other features and advantages of the present invention will become more apparent by describing its exemplary embodiments in detail with reference to the accompanying drawings.

[0019] Figure 1 is a flowchart of a risk control management method based on time series variables of personal credit investigation; Figure 2 is a flowchart for determining that a credit customer has no aggregation risk; Figure 3 is a flowchart of a method for determining credit risk-changing customers among credit customers; Figure 4 is a flowchart of a method for determining a risk assessment and treatment strategy for credit risk-changing customers; Figure 5 is a framework diagram of a computer system. Detailed implementation mode

[0020] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings in the embodiments of this specification. Obviously, the described embodiments are only a part of the embodiments of this specification, rather than all the embodiments. Based on the embodiments of this specification, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this specification.

[0021] In this application, by the change situation of the personal credit investigation data of credit customers, a differentiated credit risk assessment and treatment strategy is generated, which not only improves the efficiency of credit risk assessment and treatment, but also ensures the accuracy of credit risk assessment and treatment for credit customers with large credit risk changes.

[0022] Embodiment 1 As Figure 1 shown, this application provides a risk control management method based on time series variables of personal credit investigation, specifically including: S1 When it is determined that the credit customer has no aggregation risk based on the association situation of the credit usage data of the credit customer and other credit customers, proceed to the next step; Further, the credit usage times of other credit customers with the same credit usage object, credit usage location, and the deviation of the credit usage time within a preset deviation amount range are used as the moment-similar credit usage times of the credit customer. When the proportion of the historical credit usage times with moment-similar credit usage times in the historical credit usage times of the credit customer is greater than 0.9, it is determined that the credit customer has an aggregation risk.

[0023] S2 Obtain and process the personal credit investigation data of the credit customers according to the preset strategy, determine the changes in the personal credit investigation data of the credit customers, and combine the historical changes in the personal credit investigation data of the credit customers to determine the credit risk changing customers among the credit customers; Specifically, based on the average value of the ratio of the number of changed information items to the number of information items with credit investigation data and the ratio of the number of information items with historical changes to the number of information items with credit investigation data, determine the change amount of the credit investigation information of the credit customer. When the change amount of the credit investigation information is greater than 0.2, it is determined that the credit customer is a credit risk changing customer.

[0024] S3 Determine the risk assessment processing strategy for the credit risk changing customers based on the changes in the personal credit investigation data of the credit risk changing customers and the historical update situation of the credit risk assessment results; It should be noted that when the time interval between the most recent credit risk assessment processing time and the current time is greater than 2 months and the ratio of the number of changed information items to the number of information items with credit investigation data is greater than 0.3, then based on the personal credit investigation time series variables constructed from the changes in the personal credit investigation data and the read data of the associated data sources of the credit customers, conduct the credit risk assessment processing of the credit customers.

[0025] S4 Determine the updated assessment result of the credit risk of the credit customers based on the risk assessment processing strategy, and determine the update processing method of the risk control management strategy of the personal credit investigation time series variables of the credit risk changing customers based on the updated assessment result and the changes in the credit risk assessment results.

[0026] Take the updated assessment result of the credit risk changing customers and the change amount of the most recent credit risk assessment result as the credit risk change amount, and use the credit risk change amount and the average value of the change amount of the credit risk assessment times and the adjacent credit risk assessment times to determine the risk change value. When the risk change value is greater than 0.4, once the personal credit investigation data changes, the personal credit investigation time series variables constructed from the changes in the personal credit investigation data and the read data of the associated data sources of the credit customers are used as the input of the credit risk control model, and the credit risk of the credit customers is evaluated based on the output of the credit risk control model.

[0027] When the risk change value is not greater than 0.4, when the number of changed information items in the personal credit investigation data is greater than 5, then the personal credit investigation time series variables constructed from the changes in the personal credit investigation data are used as the input of the credit risk control model, and the credit risk of the credit customers is evaluated based on the output of the credit risk control model.

[0028] Further, the disbursement data includes the disbursement times of the credit user for different disbursement objects, the disbursement amounts for different disbursement times, and the disbursement locations.

[0029] Specifically, as Figure 2 shown, determining that the credit customer has no aggregation risk specifically includes: Based on the correlation of the disbursement data of the credit customer with that of other credit customers, determine the same situations of the disbursement objects and disbursement locations of the credit customer and other credit customers for different disbursement times, and determine the consistent disbursement times of the credit customer and other credit customers for the disbursement times when both the disbursement object and the disbursement location are the same; Based on the deviation situation of the disbursement times of the consistent disbursement times, determine the times-similar disbursement times among the consistent disbursement times of the credit customer and other credit customers; According to the times-similar disbursement times of the credit customer and other credit customers, determine whether the credit customer has an aggregation risk.

[0030] Further, the times-similar disbursement times are the consistent disbursement times when the deviation amount of the disbursement times of the credit customer and other credit customers is less than the preset time deviation threshold.

[0031] It can be understood that when the number of other credit customers with times-similar disbursement times greater than the preset times-similar disbursement times threshold for the credit customer is greater than the preset credit customer number threshold, it is determined that the credit customer has an aggregation risk.

[0032] It should be noted that when the credit customer has an aggregation risk, when the credit reference data of the credit customer changes, then based on the credit reference time series variable constructed based on the change situation of the credit reference data and the read data of the associated data source of the credit customer, the credit risk assessment process of the credit customer is carried out.

[0033] Further, the associated data source is the data source where the disbursement data of the credit customer exists and is associated with the user credit application data.

[0034] In another possible embodiment, determining that the credit customer has no aggregation risk specifically includes: Based on the correlation of the disbursement data of the credit customer with that of other credit customers, determine the same situations of the disbursement objects and disbursement locations of the credit customer and other credit customers for different disbursement times, and determine the consistent disbursement times of the credit customer and other credit customers for the disbursement times when both the disbursement object and the disbursement location are the same; Obtain other credit customers whose draw objects and draw locations are the same under different consistent draw times, and use them as consistent credit customers under different consistent usage times. Based on the deviation from the draw time of the credit customers at the consistent draw time, determine the number of consistent credit customers in the draw period where the draw times are located under different consistent draw times; Use the consistent draw times where the number of consistent credit customers in the draw period where the draw times are located under different consistent draw times is greater than the preset consistent customer number threshold as the risky draw times, and use the risky draw times to determine whether there is an aggregation risk for the credit customers.

[0035] A further technical solution is that when the risky draw times are greater than the preset risky draw times threshold, it is determined that there is an aggregation risk for the credit customers.

[0036] Specifically, obtaining and processing the credit customers' credit information from the People's Bank of China according to a preset strategy specifically includes: Obtain and process the credit customers' credit information from the People's Bank of China according to a preset time period.

[0037] It should be noted that the change situation of the credit customers' credit information from the People's Bank of China includes the number of information items where the credit customers' credit information from the People's Bank of China has changed.

[0038] Specifically, as Figure 3 shown, the method for determining the credit risk change customers among the credit customers is: Based on the change situation of the credit customers' credit information from the People's Bank of China, determine the information items where the credit customers have changed, and use them as the changed information items. Based on the ratio of the number of the changed information items to the number of information items with credit information, determine the customer change value of the credit customers; Based on the historical change situation of the credit customers' credit information from the People's Bank of China, determine the number of information items where the credit customers have historical changes. Based on the ratio of the number of the information items with historical changes to the number of information items with credit information, determine the historical change value of the information items of the credit customers; According to the average value of the customer change value and the historical change value of the information items, determine the change amount of the credit information of the credit customers, and use the change amount of the credit information to determine whether the credit customers are credit risk change customers.

[0039] Further, when the change amount of the credit information is greater than the preset information change amount threshold, it is determined that the credit customers are credit risk change customers.

[0040] It can be understood that when the credit customers do not belong to the credit risk change customers, there is no need to conduct risk assessment on the credit customers.

[0041] In another possible embodiment, the method for determining a credit risk-changing customer among the credit customers is as follows: Based on the changes in the credit customer's credit information data from the People's Bank of China and the historical changes in the credit customer's credit information data from the People's Bank of China, determine the number of information items with changes for the credit customer; Based on the ratio of the number of information items with changes to the information items with credit information data, determine the credit information change value for the credit customer; According to the credit information change value, determine whether the credit customer is a credit risk-changing customer.

[0042] Further, when the credit information change value is greater than the preset credit information change value threshold, then determine that the credit customer is a credit risk-changing customer.

[0043] Optionally, the method for determining a credit risk-changing customer among the credit customers is as follows: Based on the changes in the credit customer's credit information data from the People's Bank of China, determine the information items with changes for the credit customer and use them as the changed information items; It can be understood that the following three situations are included in the above steps: Situation 1: Based on the ratio of the number of the changed information items to the information items with credit information data, determine the change ratio of the credit customer. When either the change ratio of the credit customer or the number of the changed information items does not meet the requirement, that is, is greater than the threshold, then determine that the credit customer is a credit risk-changing customer; Situation 2: Use the sum of the change ratios of the changed information items of the credit customer as the information item change value of the credit customer. When the information item change value of the credit customer is less than the preset information item change threshold, then determine that the credit customer does not belong to the credit risk-changing customers; Situation 3: Based on the changes in the credit customer's credit information data from the People's Bank of China and the historical changes in the credit customer's credit information data from the People's Bank of China, determine the number of information items with changes for the credit customer. Based on the ratio of the number of information items with changes to the information items with credit information data, determine the credit information change value for the credit customer. When either the credit information change value of the credit customer or the number of information items with changes does not meet the requirement, that is, is greater than the threshold, then determine that the credit customer is a credit risk-changing customer. In other cases, proceed to the next step: Based on the historical change times of different information items and whether they belong to the changed information items, determine the change evaluation amount of different information items; In a possible embodiment, a change evaluation amount is determined by multiplying the ratio of the historical change times to the preset change times by a preset weight value, where the preset weight value is determined according to whether it belongs to a change information item. When it belongs to a change information item, it is 1, and in other cases, it is 0.5.

[0044] Specifically, in the above step, if the number of information items with a change evaluation amount greater than the preset threshold is greater than the preset value of the number of information items, then it is determined that the credit customer is a credit risk change customer; According to the change evaluation amounts of different information items, the change amount of the credit information of the credit customer is determined, and whether the credit customer is a credit risk change customer is determined by using the change amount of the credit information.

[0045] In a possible embodiment, the change amount of the credit information of the credit customer is the sum of the change evaluation amounts of different information items. When the change amount of the credit information is greater than the preset threshold, it is determined that the credit customer is a credit risk change customer.

[0046] Specifically, as Figure 4 shown, the method for determining the risk assessment and processing strategy of the credit risk change customer is: Based on the change situation of the credit information of the People's Bank of China of the credit risk change customer, the information items with changes of the credit customer are determined and used as change information items. Based on the ratio of the number of the change information items to the information items with credit information, the customer change value of the credit customer is determined; Based on the historical update situation of the evaluation result of the credit risk, the interval duration between the most recent credit risk assessment and processing time and the current time is determined; According to the customer change value and the interval duration of the credit customer, the customer risk update demand amount of the credit risk change customer is determined, and the risk assessment and processing strategy of the credit risk change customer is determined based on the customer risk update demand amount.

[0047] In a possible embodiment, the customer risk update demand amount of the credit risk change customer is determined by multiplying the preset change weight coefficient corresponding to the interval duration by the customer change value.

[0048] Further, determining the risk assessment and processing strategy of the credit risk change customer based on the customer risk update demand amount specifically includes: When the customer risk update demand amount is greater than the preset update demand threshold, then based on the time series variable of the credit information of the People's Bank of China constructed based on the change situation of the credit information of the People's Bank of China and the read data of the associated data sources of the credit customer, the credit risk assessment and processing of the credit customer are carried out; When the customer risk update demand is not greater than the preset update demand threshold, it is judged whether the customer risk update demand is less than the preset demand threshold. If so, there is no need to perform the assessment process of the credit risk of the credit customer. If not, based on the customer change value of the credit customer, determine the risk assessment process strategy of the credit risk change customer.

[0049] It can be understood that when the customer change value of the credit customer is within the preset customer change value range, the credit risk assessment process of the credit customer is carried out with the time series variable of the central bank credit investigation data constructed based on the change situation of the central bank credit investigation data. When the customer change value of the credit customer is not within the preset customer change value range, the credit risk assessment process of the credit customer is carried out based on the central bank credit investigation data at the current moment.

[0050] In another possible embodiment, the method for determining the risk assessment process strategy of the credit risk change customer is as follows: Based on the change situation of the central bank credit investigation data of the credit risk change customer, determine the information items for which the credit customer has changed, and use them as the changed information items. Based on the ratio of the number of the changed information items to the information items with credit investigation data, determine the customer change value of the credit customer; In a possible embodiment, in the above steps, if any one of the customer change value or the number of changed information items does not meet the requirements, that is, is greater than the threshold, then the credit risk assessment process of the credit customer is carried out based on the time series variable of the central bank credit investigation data constructed based on the change situation of the central bank credit investigation data and the read data of the associated data source of the credit customer; Based on the historical update situation of the assessment result of the credit risk, determine the interval duration between the most recent credit risk assessment process moment and the current moment. Based on the interval duration and the risk assessment process strategy of the most recent credit risk, determine the assessment process reliability value of the credit risk of the credit customer; In addition, it should be noted that in the above steps, if the interval duration is greater than the preset interval duration threshold, then the credit risk assessment process of the credit customer is carried out based on the time series variable of the central bank credit investigation data constructed based on the change situation of the central bank credit investigation data and the read data of the associated data source of the credit customer; Furthermore, if the interval duration is not greater than the preset interval duration threshold, determine the assessment process reliability value of the credit risk of the credit customer according to the product of the preset proportional factor corresponding to the interval duration and the preset update reliability value corresponding to the risk assessment process strategy of the most recent credit risk; In addition, it should be noted that in the above steps, if the reliable value of the credit risk assessment and processing of the credit customer is less than the preset reliable value threshold, then based on the changes in the central bank credit investigation data, the central bank credit investigation time series variable constructed and the read data of the associated data sources of the credit customer, the credit risk assessment and processing of the credit customer are carried out; When the reliable value of the credit risk assessment and processing of the credit customer is greater than the preset reliable value, there is no need to carry out the credit risk assessment and processing of the credit customer.

[0051] Based on the customer change value of the credit customer and the reliable value of the credit risk assessment and processing of the credit customer, determine the customer risk update demand of the credit risk changing customer, and determine the risk assessment and processing strategy of the credit risk changing customer based on the customer risk update demand.

[0052] Furthermore, the method for determining the update processing method of the risk control management strategy of the central bank credit investigation time series variable of the credit risk changing customer is as follows: Based on the update evaluation result and the change situation of the credit risk evaluation result, determine the change amount between the update evaluation result of the credit risk changing customer and the most recent credit risk evaluation result, and use it as the credit risk change amount; Based on the change situation of the credit risk evaluation result, determine the number of risk changes in different credit risk evaluation times; Based on the number of risk changes and the credit risk change amount, determine the update processing method of the risk control management strategy of the central bank credit investigation time series variable of the credit risk changing customer.

[0053] Specifically, the number of risk changes is the number of credit risk evaluation times when the change amount of the credit risk evaluation result between adjacent credit risk evaluation times is greater than the preset risk change amount threshold.

[0054] It should be noted that based on the number of risk changes and the credit risk change amount, determining the update processing method of the risk control management strategy of the central bank credit investigation time series variable of the credit risk changing customer specifically includes: When the credit risk change amount is greater than the preset risk change amount threshold, then when the central bank credit investigation data of the credit customer changes, based on the central bank credit investigation time series variable constructed from the changes in the central bank credit investigation data and the read data of the associated data sources of the credit customer, the credit risk assessment and processing of the credit customer are carried out; When the credit risk change amount is not greater than the preset risk change amount threshold, then use the number of risk changes to determine the update processing method of the risk control management strategy of the central bank credit investigation time series variable of the credit risk changing customer.

[0055] It can be understood that the update processing method of the risk control management strategy for determining the time series variable of the credit investigation of the People's Bank of China for the credit risk change customers by using the number of risk changes specifically includes: When the number of risk changes is greater than the preset risk change number threshold, when the number of risk changes is not greater than the preset risk change number threshold, then when the change quantity of the information items of the credit customer is greater than the preset information item change quantity threshold, the time series variable of the credit investigation of the People's Bank of China constructed based on the change situation of the credit investigation data of the People's Bank of China is used to perform the assessment processing of the credit risk of the credit customer. When the number of risk changes is greater than the preset risk change number threshold, then when the credit investigation data of the credit customer changes, the time series variable of the credit investigation of the People's Bank of China constructed based on the change situation of the credit investigation data of the People's Bank of China is used to perform the assessment processing of the credit risk of the credit customer.

[0056] Embodiment 2 In a second aspect, as Figure 5 shown, the present invention provides a computer system, including: a memory and a processor connected by communication, and a computer program stored on the memory and capable of running on the processor. When the processor runs the computer program, it executes the above-mentioned risk control management method based on the time series variable of the credit investigation of the People's Bank of China.

[0057] Embodiment 3 In a third aspect, the present invention provides a computer storage medium, on which a computer program is stored. When the computer program is executed in a computer, it causes the computer to execute the above-mentioned risk control management method based on the time series variable of the credit investigation of the People's Bank of China.

[0058] Each embodiment in this specification is described in a progressive manner. The same or similar parts among the embodiments can be referred to each other, and the key points of each embodiment are the differences from other embodiments. In particular, for the embodiments of the device, equipment, and non-volatile computer storage medium, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can refer to the partial description of the method embodiments.

[0059] The above describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be executed in a different order from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In certain embodiments, multi-tasking and parallel processing are also possible or may be advantageous.

[0060] The above are only one or more embodiments of this specification and are not intended to limit this specification. For those skilled in the art, various changes and modifications can be made to one or more embodiments of this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of this specification shall be included within the scope of the claims of this specification.

Claims

1. A risk control management method based on time series variables of personal credit investigation, characterized in that, Specifically include: When it is determined that there is no aggregation risk for the credit customer based on the association of the utilization data of the credit customer with that of other credit customers, proceed to the next step; Obtain and process the credit customer's credit information data from the People's Bank of China according to a preset strategy, determine the changes in the credit customer's credit information data from the People's Bank of China, and combine the historical changes in the credit customer's credit information data from the People's Bank of China to determine the credit risk change customers among the credit customers; Based on the changes in the credit information data from the People's Bank of China of the credit risk change customers and the historical update situation of the credit risk assessment results, determine the risk assessment processing strategy for the credit risk change customers; Based on the risk assessment processing strategy, determine the updated assessment result of the credit risk of the credit customer. Based on the updated assessment result and the changes in the credit risk assessment results, determine the update processing method of the risk control management strategy for the time series variable of the credit information from the People's Bank of China of the credit risk change customers.

2. The risk control management method based on the time series variables of personal credit investigation according to claim 1, wherein, The utilization data includes the utilization times of the credit user for different utilization objects, the utilization amounts for different utilization times, and the utilization locations.

3. The risk control management method based on time series variables of personal credit investigation according to claim 1, characterized in that Determining that there is no aggregation risk for the credit customer specifically includes: Based on the association of the utilization data of the credit customer with that of other credit customers, determine the same situations of the utilization objects and utilization locations of the credit customer and other credit customers for different utilization times. Determine the consistent utilization times of the credit customer and other credit customers for the utilization times when both the utilization object and the utilization location are the same; Based on the deviation situation of the utilization moments of the consistent utilization times, determine the moment-similar utilization times among the consistent utilization times of the credit customer and other credit customers; Based on the moment-similar utilization times of the credit customer and other credit customers, determine whether there is an aggregation risk for the credit customer.

4. The risk control management method based on the time series variables of personal credit information as described in claim 3, wherein The moment-similar utilization times are the consistent utilization times for which the deviation amount of the utilization moments of the credit customer and other credit customers is less than the preset moment deviation threshold.

5. The risk control management method based on time series variables of personal credit investigation according to claim 1, characterized in that When there is an aggregation risk for the credit customer, then when the credit information data of the credit customer changes, based on the time series variable of the credit information from the People's Bank of China constructed based on the changes in the credit information data from the People's Bank of China and the read data of the associated data source of the credit customer, conduct the credit risk assessment processing for the credit customer.

6. The risk control management method based on time series variables of personal credit investigation according to claim 1, characterized in that The associated data source is the data source that has the utilization data of the credit customer and is associated with the user credit application data.

7. The risk control management method based on the time series variables of personal credit information as claimed in claim 1, wherein, Obtaining and processing the credit customer's credit information data from the People's Bank of China according to a preset strategy specifically includes: Obtain and process the credit customer's credit information data from the People's Bank of China according to a preset time period.

8. The risk control management method based on pedestrian credit time series variables according to claim 1, wherein The method for determining the update processing method of the risk control management strategy for the time series variable of the credit information from the People's Bank of China of the credit risk change customers is: Based on the updated assessment result and the changes in the credit risk assessment results, determine the change amount between the updated assessment result of the credit risk change customer and the most recent credit risk assessment result, and use it as the credit risk change amount; Based on the changes in the credit risk assessment results, determine the number of risk changes in different credit risk assessment times; Determine the update processing method of the risk control management strategy for the time series variables of the credit investigation of the People's Bank of China for the customers with credit risk changes based on the number of risk changes and the amount of credit risk changes.

9. A computer system, comprising: A memory and a processor connected by communication, and a computer program stored on the memory and capable of running on the processor, wherein when the processor runs the computer program, it executes a risk control management method based on the time series variables of the credit investigation of the People's Bank of China according to any one of claims 1-8.

10. A computer storage medium having a computer program stored thereon, characterized in that when the computer program is executed in a computer, Cause a computer to execute a risk control management method based on the time series variables of the credit investigation of the People's Bank of China according to any one of claims 1-8.

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