Risk assessment method, device, storage medium and program product

Abstract

The application discloses a risk assessment method and device, a storage medium and a program product. It relates to the field of financial technology. The method comprises the following steps: in the case that a target object agrees to a questionnaire survey, the target object is visually displayed a questionnaire through a target device, wherein the questionnaire comprises a questionnaire for collecting financial risk information of the target object, and the target device displays N questions in M questions according to the answer options selected by the target object; the target object fills in the questionnaire, and the target object's target answering track and the characteristics of answering each of the N questions are collected; the target object is assessed for financial risk based on the target answering track and the characteristics of answering each of the N questions, and an assessment result is obtained. Through the application, the problem that the financial risk assessment is inaccurate is solved by the way that a customer manager manually restates the questionnaire content to determine the financial risk of a customer in the related art.

Description

Technical Field

[0001] This application relates to the field of financial technology, and more specifically, to a risk assessment method, apparatus, storage medium, and program product. Background Technology

[0002] In related technologies, financial risk assessment is mainly conducted by financial managers relaying questionnaire content to clients, who then give verbal responses. Clients often answer arbitrarily without understanding the questionnaire content, leading to significant information bias. Furthermore, this method often ignores factors such as clients' individual characteristics and behavioral habits. In addition, all clients face the same type of questionnaire, resulting in inaccurate risk assessment results.

[0003] There is currently no effective solution to the problem that the method of determining a client's financial risk by having an account manager manually relay the questionnaire content to the client in related technologies leads to inaccurate financial risk assessment. Summary of the Invention

[0004] The main purpose of this application is to provide a risk assessment method, device, storage medium, and program product to solve the problem in related technologies where the determination of a customer's financial risk is based on the method of having an account manager manually relay the contents of a questionnaire to the customer, which leads to inaccurate financial risk assessment.

[0005] To achieve the above objectives, according to one aspect of this application, a risk assessment method is provided. The method includes: visually displaying the questionnaire on a target device when the target subject agrees to participate in a questionnaire survey, wherein the questionnaire includes: a questionnaire for collecting financial risk information of the target subject, the questionnaire including: M questions and S answer options associated with each question; the target device displays N questions from the M questions in a jump-like manner according to the answer option selected by the target subject, where M and N are positive integers, and N is less than M, and S is a positive integer; collecting the target subject's target answer trajectory in completing the questionnaire and the answer characteristics of each of the N questions, wherein the target answer trajectory includes: the N questions displayed in a jump-like manner, and the answer option selected by the target subject for each question; and conducting a financial risk assessment of the target subject based on the target answer trajectory and the answer characteristics of each of the N questions to obtain an assessment result.

[0006] Furthermore, the answer characteristics for each question include: the facial features of the target object during the answering process and the answering speed. Based on the target answer trajectory and the answer characteristics of each of the N questions, a financial risk assessment is performed on the target object to obtain an assessment result, including: for the N questions, detecting whether the facial features of the target object during the answering process of each question are preset facial features to obtain a facial detection result for each question; detecting whether the answering speed of each question exceeds a preset answering speed threshold for that question to obtain a speed detection result for each question; determining a first risk score for each question based on the answer option selected by the target object for each question and the preset score value associated with that answer option; and performing a financial risk assessment on the target object based on the target answer trajectory, the facial detection results of each of the N questions, the speed detection results of each question, and the first risk score to obtain the assessment result.

[0007] Further, based on the target answer trajectory, the facial detection results for each of the N questions, the speed detection results for each question, and the first risk score, a financial risk assessment is performed on the target object to obtain the assessment result, including: scoring the financial risk of the target answer trajectory to obtain a second risk score; determining the risk score to be deducted based on the facial detection results for each of the N questions and the speed detection results for each question; and determining the assessment result based on the first risk score, the second risk score, and the risk score to be deducted.

[0008] Furthermore, among the N questions, there are identical questions. Based on the facial detection results and speed detection results of each of the N questions, a risk score to be deducted is determined, which includes: for identical questions among the N questions, detecting whether the answer options selected by the target object are consistent, and obtaining a target detection result; for the N questions, based on the target detection result, the facial detection result of each question, and the speed detection result of each question, a risk score to be deducted is determined.

[0009] Further, determining the assessment result based on the first risk score, the second risk score, and the risk score to be deducted includes: calculating the sum of the first risk score and the second risk score to obtain a third risk score; deducting the risk score to be deducted from the third risk score to obtain a target risk score; and determining the assessment result based on the target risk score.

[0010] Furthermore, before detecting whether the response speed of each question exceeds the preset response speed threshold for that question and obtaining the speed detection result for each question, the method further includes: obtaining the total number of characters for each question and all response options associated with that question to obtain the target number of characters for that question; and determining the preset response speed threshold for that question based on the target number of characters associated with each question.

[0011] Furthermore, the questionnaire is visualized via a target device, including: displaying a first question and all associated answer options of the questionnaire on the target device, wherein the first question is one of the M questions; after the target subject selects at least one answer option associated with the first question, based on the answer option selected by the target subject, the target device jumps to display a second question and all associated answer options of the second question, wherein the second question includes: a question among the M questions that is related to the answer option selected by the target subject; determining an initial answer path based on the first question and the answer option selected by the target subject, the second question and all associated answer options of the second question; and determining the subsequent questions to be displayed on the target device and all associated answer options of the questions based on the initial answer path, and visually displaying the questions and all associated answer options of the questions.

[0012] To achieve the above objectives, according to another aspect of this application, a risk assessment device is provided. The device includes: a display unit, configured to visually display a questionnaire via a target device when a target subject agrees to participate in the questionnaire survey, wherein the questionnaire includes a questionnaire for collecting financial risk information of the target subject, the questionnaire including M questions and S answer options associated with each question, the target device displaying N questions out of the M questions in a jump-like manner according to the answer option selected by the target subject, where M and N are positive integers, and N is less than M, and S is a positive integer; a collection unit, configured to collect the target subject's target answer trajectory in completing the questionnaire and the answer characteristics of each of the N questions, wherein the target answer trajectory includes the N questions displayed in a jump-like manner and the answer option selected by the target subject for each question; and an assessment unit, configured to perform a financial risk assessment on the target subject based on the target answer trajectory and the answer characteristics of each of the N questions, and obtain an assessment result.

[0013] Furthermore, the answer features for each question include: the facial features of the target object during the answering process and the answering speed. The evaluation unit includes: a first detection subunit, used to detect whether the facial features of the target object during the answering of each of the N questions are preset facial features, and obtain a facial detection result for each question; a second detection subunit, used to detect whether the answering speed of each question exceeds a preset answering speed threshold for that question, and obtain a speed detection result for each question; a first determination subunit, used to determine a first risk score for each question based on the answer option selected by the target object for each question and a preset score value associated with that answer option; and an evaluation subunit, used to perform a financial risk assessment on the target object based on the target answering trajectory, the facial detection result for each of the N questions, the speed detection result for each question, and the first risk score, and obtain the evaluation result.

[0014] Furthermore, the evaluation subunit includes: a scoring module for scoring the financial risk of the target answer trajectory to obtain a second risk score; a first determining module for determining the risk score to be deducted based on the face detection result and speed detection result of each of the N questions to obtain the risk score to be deducted; and a second determining module for determining the evaluation result based on the first risk score, the second risk score, and the risk score to be deducted.

[0015] Furthermore, among the N questions, there are identical questions. The first determining module includes: a detection submodule, used to detect whether the answer options selected by the target object are consistent for identical questions among the N questions, and obtain a target detection result; and a first determining submodule, used to determine a risk score to be deducted for the N questions based on the target detection result, the face detection result of each question, and the speed detection result of each question.

[0016] Further, the second determining module includes: a calculation submodule, used to calculate the sum of the first risk score and the second risk score to obtain a third risk score; a deduction submodule, used to deduct the risk score to be deducted from the third risk score to obtain a target risk score; and a second determining submodule, used to determine the evaluation result based on the target risk score.

[0017] Furthermore, the evaluation unit also includes: an acquisition subunit, used to acquire the total number of characters of each question and all answer options associated with the question before detecting whether the response speed of each question exceeds the preset answer speed threshold of the question and obtaining the speed detection result of each question; and a second determination subunit, used to determine the preset answer speed threshold of the question based on the target number of characters associated with each question.

[0018] Further, the display unit includes: a first display subunit, used to display a first question and all answer options associated with the first question in the questionnaire through a target device, wherein the first question is one of the M questions; a second display subunit, used to, after the target object selects at least one answer option associated with the first question, jump through the target device to display a second question and all answer options associated with the second question in the questionnaire according to the answer option selected by the target object, wherein the second question includes: a question among the M questions that is related to the answer option selected by the target object; a third determining subunit, used to determine an initial answer path based on the first question and the answer option selected by the target object for the first question, the second question and all answer options associated with the second question; and a fourth determining subunit, used to determine the question subsequently displayed by the target device and all answer options associated with that question based on the initial answer path, and to visually display the question and all answer options associated with that question.

[0019] According to another aspect of this application, a computer-readable storage medium is provided, the computer-readable storage medium including a stored executable program, wherein, when the executable program is executed, it controls the device where the computer-readable storage medium is located to perform the risk assessment method.

[0020] According to another aspect of this application, an electronic device is provided, comprising: a memory storing an executable program; and a processor for running the program, wherein the program executes the risk assessment method during runtime.

[0021] According to another aspect of this application, a computer program product is provided, including computer instructions that, when executed by a processor, implement steps of a risk assessment method.

[0022] In this application, the following method is adopted: With the consent of the target subject to conduct a questionnaire survey, the questionnaire is visualized through a target device. The questionnaire includes M questions and S answer options associated with each question. The target device displays N questions from the M questions in a jump-like manner based on the answer options selected by the target subject, where M and N are positive integers, N is less than M, and S is a positive integer. The application collects the target subject's target answer trajectory and answer characteristics for each of the N questions. The target answer trajectory includes the N questions displayed in a jump-like manner and the answer options selected by the target subject for each question. Based on the target answer trajectory and the answer characteristics for each of the N questions, a financial risk assessment is performed on the target subject, and an assessment result is obtained. This solves the technical problem in related technologies where the method of manually relaying questionnaire content to clients through account managers to determine clients' financial risk leads to inaccurate financial risk assessments. In this application, the financial risk of the target group is assessed by using a jump-type questionnaire and answer characteristics. This avoids the situation in related technologies where the questionnaire is relayed to the client by the account manager, which leads to low accuracy of financial risk assessment. Thus, the technical effect of improving the accuracy of questionnaire results and financial risk assessment is achieved. Attached Figure Description

[0023] The accompanying drawings, which form part of this application, are used to provide a further understanding of this application. The illustrative embodiments and descriptions of this application are used to explain this application and do not constitute an undue limitation of this application. In the drawings:

[0024] Figure 1 A hardware structure block diagram of a computer terminal for implementing a risk assessment method is shown.

[0025] Figure 2 This is a flowchart of a risk assessment method provided according to an embodiment of this application;

[0026] Figure 3 This is a schematic diagram of the risk assessment process provided according to the embodiments of this application;

[0027] Figure 4 This is a schematic diagram of a risk assessment device provided according to an embodiment of this application;

[0028] Figure 5 This is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0029] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0030] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0031] It should be noted that the risk assessment method and apparatus in this application can be used in the field of fintech for conducting questionnaire surveys, or in any field other than fintech for conducting document surveys. This application does not limit the application field of the risk assessment method and apparatus.

[0032] It should be noted that the information collected in this application (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display, data used for analysis, etc.) are information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of this data all comply with relevant laws, regulations, and standards, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding access points are provided for users to choose to authorize or refuse. For example, interfaces are set up between this system and relevant users or organizations, providing users with corresponding access points to choose to agree to or refuse automated decision-making results; if the user chooses to refuse, the process proceeds to the expert decision-making stage.

[0033] This invention can be applied to various software products, control systems, and client-side (including but not limited to: mobile clients, PCs, etc.) control systems of financial institutions to conduct questionnaire surveys on the business content of financial institutions (including but not limited to: business functions such as transfer, wealth management, funds, payment, account inquiry, advertising, and recommendations).

[0034] Example 1

[0035] According to an embodiment of this application, a method embodiment for risk assessment is also provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0036] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing a risk assessment method is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) 102 (processor 102 may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of a BUS bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0037] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination path connected to an interface).

[0038] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the risk assessment method in this embodiment. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the aforementioned risk assessment method. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0039] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

[0040] The display can be, for example, a touchscreen liquid crystal display (LCD), which allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0041] Under the aforementioned operating environment, this application provides the following: Figure 2 The risk assessment method shown. Figure 2 This is a flowchart of the risk assessment method according to Embodiment 1 of this application.

[0042] Step S201: If the target object agrees to participate in the questionnaire survey, the questionnaire is visualized through the target device. The questionnaire includes a questionnaire for collecting financial risk information of the target object. The questionnaire includes M questions and S answer options associated with each question. The target device displays N questions out of the M questions in a jump-style manner according to the answer options selected by the target object. M and N are positive integers, and N is less than M. S is a positive integer.

[0043] The target audience mentioned above can be clients of financial institutions, and the questionnaires mentioned above may include, but are not limited to, questionnaires used to collect financial risk information from the target audience. The questionnaire can be presented in a jump-type format, where all questions are not necessarily arranged in a specific order. This jump-type format allows for efficient and flexible refinement of the client profile based on their answers. For example, Question 1: "If you were to purchase a car, your intended amount would be ( )". The answer options could be set as: "0-100,000, 100,000-300,000, 300,000-500,000, 500,000 and above, not considering buying a car for now (5 options)". If the client chooses the option above 500,000, subsequent questions will target high-spending clients, focusing on income, investment habits, and financial environment analysis, facilitating the collection of information on the client's income level, financial management ability, and expected income level. If the client chooses the option not considering buying a car for now, the questions will target low-spending clients, focusing on occupation, consumption level, and transaction frequency, facilitating the understanding of the client's behavioral habits. The jump-type questionnaire effectively segments clients initially, leading to a more accurate client profile.

[0044] In one alternative example, the questionnaire could be structured as follows: an interactive device is added in front of the financial manager's workstation, allowing the target audience to complete the risk assessment directly on the device. This avoids inaccurate answers due to prolonged response time caused by relaying information. The questionnaire could be of a jump-type format, incorporating dynamic paths, intelligent branching, adding distractors, and facial feature capture to prevent respondents from discovering patterns, introduce more random elements, and ensure data validity and naturalness. All answers could be scored, with different weights for each answer option, and the target audience's risk tolerance level would be determined based on the final total score.

[0045] Step S202: Collect the target answer trajectory of the target subject in completing the questionnaire and the answer characteristics of each of the N questions. The target answer trajectory includes: N questions displayed in a jump format, and the answer options selected by the target subject for each question.

[0046] The aforementioned answer characteristics may include: facial features of the target subject during the answering process, the speed at which they answer each question, etc.

[0047] The aforementioned target answer trajectory may include: the questions answered by the target object and the selected answer options. In this embodiment, during the process of the target object filling out the questionnaire, the target object's answer trajectory can be recorded to obtain the target answer trajectory. Furthermore, the facial features of the customer and the answering speed of each question can be captured in real time through the interactive device to obtain the aforementioned answer features.

[0048] In one alternative example, basic information about the target (such as age, gender, occupation, income, etc.), historical transaction records, investment preferences, consumption behavior, social media activities, etc., can be collected as a basis to determine whether to collect answer features, or which answer features to collect. For example, if the target is over 60 years old, facial feature capture can be automatically turned off.

[0049] Step S203: Based on the target's answer trajectory and the answer characteristics of each of the N questions, conduct a financial risk assessment on the target object and obtain the assessment results.

[0050] In this embodiment, each answer option corresponding to each question can be set with a preset score value. Based on the answer options in the target answer trajectory, the score value of the target object in answering each question can be determined. In this embodiment, the score value can also be added or deducted based on the answering speed of each question and the facial expression during the answering process. By accumulating the scores corresponding to N questions, and based on the added or deducted scores, the comprehensive financial risk score is determined, thereby obtaining the evaluation result.

[0051] Through the above steps, this embodiment assesses the financial risk of the target group by using a jump-type questionnaire and answer characteristics. This avoids the low accuracy of financial risk assessment caused by account managers relaying questionnaire content to customers in related technologies, thereby improving the accuracy of questionnaire results and financial risk assessment. Furthermore, it solves the technical problem in related technologies where the method of manually relaying questionnaire content to customers by account managers to determine their financial risk leads to inaccurate financial risk assessment.

[0052] Optionally, in the risk assessment method provided in this application embodiment, the answer features of each question include: the facial features of the target object during the answering of the question and the answering speed of the question. Based on the target answering trajectory and the answering features of each of the N questions, a financial risk assessment is performed on the target object to obtain an assessment result, including: for the N questions, detecting whether the facial features of the target object during the answering of each question are preset facial features to obtain a facial detection result for each question; detecting whether the answering speed of each question exceeds a preset answering speed threshold for that question to obtain a speed detection result for each question; determining a first risk score for each question based on the answering option selected by the target object for each question and the preset score value associated with that answering option; and performing a financial risk assessment on the target object based on the target answering trajectory, the facial detection results of each of the N questions, the speed detection results of each question, and the first risk score to obtain an assessment result.

[0053] The aforementioned preset facial features may include, but are not limited to, facial features that indicate annoyance. For example, in this embodiment, it is possible to detect whether the facial features of the target object in answering each question are facial features that indicate annoyance, and obtain the facial detection result of the question. That is, the facial detection result of each question can indicate whether the facial features of the target object in answering the question are facial features that indicate annoyance.

[0054] For example, when a customer answers a question, the interactive device can capture the customer's facial features in real time, such as capturing expressions of annoyance. When the frequency of annoyance reaches a certain threshold, appropriate points are deducted. That is, if annoyance appears frequently during the questionnaire, it is equivalent to sending a signal to the financial manager that the customer's emotions are fluctuating greatly, and disputes may arise later if there are losses in financial management. Secondly, if the customer's emotions fluctuate, it means that the customer has developed annoyance with the questionnaire content, and the questionnaire does not have a certain degree of authenticity. There may be cases of random filling or perfunctory completion. Therefore, in this embodiment, when the frequency of annoyance reaches a preset number (for example, five times), five points can be deducted from the comprehensive score.

[0055] The aforementioned preset answering speed threshold may include: determining the preset answering speed threshold for each question based on the total number of characters of each question and all associated answer options. For example, if the total number of characters is too high, the corresponding preset answering speed threshold can be larger; if the total number of characters is too low, the corresponding preset answering speed threshold can be smaller. In this embodiment, the corresponding preset answering speed threshold can be set according to the character range to which the total number of characters belongs. For each question answered by the target object, it can be detected whether the answering speed of the question exceeds the preset answering speed threshold of the question, and the speed detection result of each question can be obtained. That is, the speed detection result of each question can indicate whether the target object's answering speed for the question exceeds the preset answering speed threshold of the question.

[0056] For example, when setting up a questionnaire, a time limit can be added based on the amount of text in each question. For instance, the time to complete a question can be 15 seconds, and the target audience should be able to answer within 15 seconds. If the time limit is exceeded, it can be assumed that the customer may not be answering based on their intuition but rather on their subjective judgment and interpretation of the question's intent. Once the time limit is exceeded, the score for that option can be halved. In addition, to avoid the disadvantages of older customers in terms of reading speed and thinking ability, the facial feature capture function can be automatically turned off when conducting risk assessment if the customer is over 60 years old.

[0057] In this embodiment, the corresponding deduction value can be determined based on the facial detection result and the speed detection result for each question. The score value for each question can also be determined based on the target answer trajectory. Then, based on the deduction value, score value and first risk score value for each question, the financial risk score value of the target object is determined. The assessment result is determined based on the financial risk score value of the target object. For example, the financial risk level of the target object is determined based on the financial risk score value, thus achieving the technical effect of accurately determining the financial risk of customers.

[0058] Optionally, in the risk assessment method provided in this application embodiment, the financial risk assessment of the target object is performed based on the target answer trajectory, the facial detection results of each of the N questions, the speed detection results of each question, and the first risk score, to obtain the assessment result. This includes: scoring the financial risk of the target answer trajectory to obtain a second risk score; determining the risk score to be deducted based on the facial detection results of each of the N questions and the speed detection results of each question, to obtain the risk score to be deducted; and determining the assessment result based on the first risk score, the second risk score, and the risk score to be deducted.

[0059] In this embodiment, the target's selected answer options for N questions can be determined based on the target's answer trajectory. Based on all the selected answer options, the target's consumption level is determined, and a first risk score is determined. For example, sensitive or core questions cannot be scored directly using only one or a few options; instead, the answer trajectory can be used to determine the risk level. This also avoids customers guessing the intention behind the answers. For instance, a customer's income can be scored using a combination of multiple answers, such as consumption level, entertainment methods, and investment methods. For example, if a customer chooses a monthly consumption amount of 3000-4000 yuan, entertainment methods like travel, and investment methods like stocks, this indicates a higher income, more youthful entertainment, and bolder investment choices, suggesting a stronger risk tolerance and a higher score. Conversely, if a customer chooses a monthly consumption amount below 1000 yuan, entertainment methods like video games, and investment methods like fixed deposits, this indicates a lower income and weaker risk tolerance, resulting in a lower score. By constructing a cognitive maze, the customer cannot grasp the true intention behind the questions. Multiple combinations also make the questionnaire results more accurate and diverse, improving the accuracy of financial risk assessment.

[0060] In this embodiment, a first deduction value can be set based on the facial detection result of each problem, a second deduction value can be set based on the speed detection result of each problem, and the risk score to be deducted can be determined based on the first deduction value and the second deduction value.

[0061] The first deduction value for the facial detection results can be determined based on the facial detection results for each question to determine whether the target subject shows signs of annoyance. If annoyance is shown, a certain score can be deducted for that question. The first deduction value is obtained based on the total deduction value for facial features across N questions. Alternatively, the first deduction value can be set based on whether the total number of times the target subject shows signs of annoyance while answering N questions exceeds a preset number.

[0062] For the second deduction value of the speed detection result, the deduction value for each question can be set according to whether the answering speed of each question exceeds the answering speed threshold of that question. Based on the deduction values ​​of N questions regarding answering speed, the second deduction value is determined.

[0063] In this embodiment, the financial risk of the target object can be assessed based on the first risk score, the second risk score, and the risk score to be deducted, thereby obtaining the assessment result and achieving the technical effect of accurately assessing the financial risk of the target object.

[0064] Optionally, in the risk assessment method provided in this application embodiment, the N questions include: for the same questions, based on the facial detection results and speed detection results of each of the N questions, a risk score value to be deducted is determined, and the risk score value to be deducted is obtained, including: for the same questions among the N questions, detecting whether the answer options selected by the target object are consistent, and obtaining the target detection result; for the N questions, based on the target detection result, the facial detection result of each question, and the speed detection result of each question, a risk score value to be deducted is determined.

[0065] In an optional example, 2-3 identical questions can be inserted throughout the questionnaire. If two answers are different, it can be determined that the target subject did not answer the questions truthfully, and the corresponding score can be removed from the overall score. That is, in this embodiment, the risk score to be deducted can be determined based on the target detection results, the facial detection results of each question, and the speed detection results of each question, thereby achieving the technical effect of improving the accuracy of the questionnaire results.

[0066] Optionally, in the risk assessment method provided in this application embodiment, the assessment result is determined based on the first risk score, the second risk score, and the risk score to be deducted, including: calculating the sum of the first risk score and the second risk score to obtain a third risk score; deducting the risk score to be deducted from the third risk score to obtain a target risk score; and determining the assessment result based on the target risk score.

[0067] In this embodiment, the sum of the first risk score and the second risk score can be calculated to obtain the third risk score, and the risk score to be deducted can be subtracted from the third risk score to obtain the target risk score.

[0068] In one alternative example, the financial risk level of the target object can be determined based on the target risk score, and the assessment result can be determined based on the financial risk level.

[0069] In one optional example, it can be determined whether the target object has financial risk based on whether the target risk score exceeds a preset risk score threshold. If the target risk score exceeds the preset risk score threshold, it is determined that the target object has financial risk; otherwise, there is no financial risk.

[0070] Based on the target risk score, the financial risk assessment result of the target object is determined, which achieves the technical effect of accurately determining the financial risk of the target object.

[0071] Optionally, in the risk assessment method provided in this application embodiment, before detecting whether the response speed of each question exceeds the preset response speed threshold of the question and obtaining the speed detection result of each question, the method further includes: obtaining the total number of characters of each question and all response options associated with the question to obtain the target number of characters for the question; and determining the preset response speed threshold of the question based on the target number of characters associated with each question.

[0072] In this embodiment, the text length of each question can be calculated, including the total word count of the question itself and all answer options. Based on the target word count for each question, a response speed threshold can be set. The response speed threshold can also be determined based on the difficulty of the question and the time the customer takes to read and understand it. For example, questions with longer word counts and lists of answer options can be allocated more response time, and vice versa. The preset response speed threshold can be used to determine whether the target subject has responded within a sufficient and reasonable time, thereby indirectly assessing the accuracy of the target subject's response and achieving the technical effect of improving the accuracy of the questionnaire survey results.

[0073] Optionally, in the risk assessment method provided in this application embodiment, the questionnaire is visualized through a target device, including: displaying a first question and all answer options associated with the first question in the questionnaire through the target device, wherein the first question is one of M questions; after the target object selects at least one answer option associated with the first question, based on the answer option selected by the target object, the target device jumps to display a second question and all answer options associated with the second question in the questionnaire, wherein the second question includes: a question among the M questions that is related to the answer option selected by the target object; determining an initial answer path based on the first question and the answer option selected by the target object for the first question, the second question and all answer options associated with the second question; and determining the subsequent questions to be displayed by the target device and all answer options associated with the question based on the initial answer path, and visually displaying the question and all answer options associated with the question.

[0074] In this embodiment, each question jump can record the current answer option and historical trajectory. For example, when the target selects "monthly salary > 20,000", if the previous question selected three options such as no intention to buy a car, no intention to buy a house, and simple social relationships, the consumption habit module can be triggered to provide supplementary answers. This is because when the general answer cannot capture the financial risk characteristics of the target, the questionnaire direction can be automatically adjusted to obtain the corresponding characteristic indicators.

[0075] In one alternative example, when the target subject accepts a questionnaire survey, the first question of the questionnaire and all its answer options can be displayed on the target device. The first question can be any question randomly selected from M prepared questions or selected in a preset order, which is the first step in collecting customer financial risk information.

[0076] Once the target audience has selected at least one answer option for the first question, the next question (i.e., the second question) can be determined based on their chosen answer. This second question can be selected from the remaining M-1 questions and is associated with the customer's previously selected answer option. This achieves the goal of allowing subsequent questions to revolve around a specific topic or related area if the customer has shown a particular preference or condition in the first question, in order to further refine and deepen the understanding of the customer.

[0077] Based on the first question, the target's chosen answer option for the first question, and the determined second question, an "initial answer path" can be formed. This path includes the first question, the target's chosen answer option, the "second question" directly related to that option, and all its possible answer options.

[0078] Based on the initial answer path, subsequent questions and their options can be continuously determined and displayed. In this embodiment, after the target subject selects an answer option each time, the content of the next question can be adjusted according to the latest information (i.e., the answer path) to ensure that the questions are highly relevant and can guide the customer into the survey path most suitable for their characteristics.

[0079] In this embodiment, the sequence of questions in the questionnaire can be dynamically adjusted according to the customer's choice, ensuring that the questionnaire can more accurately capture the customer's true needs and risk tolerance, rather than asking questions in a fixed and rigid order, thereby improving the accuracy and personalization of financial risk assessment.

[0080] Figure 3 This is a schematic diagram of the risk assessment process provided according to the embodiments of this application, such as... Figure 3 As shown, the process includes: determining whether the age is over 60; if so, directly conducting a questionnaire test; if not, activating the answering speed module and then conducting the questionnaire test; during the questionnaire survey, a question-jumping method can be used; and finally, the scores are tallied.

[0081] In this embodiment, the financial risk of the target audience is assessed through a jump-type questionnaire and answer characteristics. This avoids the low accuracy of financial risk assessment caused by account managers relaying questionnaire content to customers in related technologies, thereby improving the accuracy of questionnaire results and financial risk assessment. Furthermore, it solves the technical problem in related technologies where the method of manually relaying questionnaire content to customers by account managers to determine their financial risk leads to inaccurate financial risk assessment.

[0082] It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and although a logical order is shown in the flowchart, in some cases the steps shown or described may be executed in a different order than that shown here.

[0083] Example 2

[0084] This application also provides a risk assessment device. It should be noted that the risk assessment device of this application can be used to execute the risk assessment method provided in this application. The risk assessment device provided in this application is described below.

[0085] According to an embodiment of this application, an apparatus for implementing the above-described risk assessment method is also provided, such as... Figure 4 As shown, the device includes: a display unit 41, a data acquisition unit 42, and an evaluation unit 43.

[0086] The display unit 41 is used to visualize the questionnaire through the target device when the target object agrees to participate in the questionnaire survey. The questionnaire includes a questionnaire for collecting financial risk information of the target object. The questionnaire includes M questions and S answer options associated with each question. The target device displays N questions out of the M questions in a jump-style manner according to the answer options selected by the target object. M and N are positive integers, and N is less than M. S is a positive integer.

[0087] The data collection unit 42 is used to collect the target answer trajectory of the target object in filling out the questionnaire and the answer characteristics of each question in the N questions. The target answer trajectory includes: N questions displayed in a jump-style manner, and the answer options selected by the target object for each question.

[0088] Evaluation unit 43 is used to assess the financial risk of the target object based on the target answer trajectory and the answer characteristics of each question in N questions, and obtain the evaluation result.

[0089] In the risk assessment device provided in this application embodiment, the display unit 41, upon the consent of the target subject to conduct a questionnaire survey, visualizes the questionnaire through the target device. The questionnaire includes M questions and S answer options associated with each question. The target device displays N questions from the M questions in a jump-like manner based on the answer options selected by the target subject, where M and N are positive integers, N is less than M, and S is a positive integer. The collection unit 42 collects the target subject's target answer trajectory and answer characteristics for each of the N questions. The target answer trajectory includes the N questions displayed in a jump-like manner and the answer options selected by the target subject for each question. The evaluation unit 43 performs a financial risk assessment on the target subject based on the target answer trajectory and the answer characteristics for each of the N questions, obtaining the assessment result. This solves the technical problem in related technologies where the financial risk assessment is inaccurate due to the method of manually relaying questionnaire content to the customer by the account manager. In this embodiment, the financial risk of the target group is assessed by using a jump-type questionnaire and answer features. This avoids the situation in related technologies where the questionnaire is relayed to the customer by the account manager, which leads to low accuracy of financial risk assessment. Thus, the technical effect of improving the accuracy of questionnaire results and financial risk assessment is achieved.

[0090] Optionally, in the risk assessment device provided in this application embodiment, the answer features of each question include: the facial features of the target object during the answering of the question and the answering speed of the question. The assessment unit includes: a first detection subunit, used to detect whether the facial features of the target object during the answering of each of the N questions are preset facial features, and obtain the facial detection result of each question; a second detection subunit, used to detect whether the answering speed of each question exceeds the preset answering speed threshold of the question, and obtain the speed detection result of each question; a first determination subunit, used to determine the first risk score value of each question based on the answer option selected by the target object for each question and the preset score value associated with the answer option; and an assessment subunit, used to conduct a financial risk assessment of the target object based on the target answering trajectory, the facial detection result of each of the N questions, the speed detection result of each question, and the first risk score value, and obtain the assessment result.

[0091] Optionally, in the risk assessment device provided in this application embodiment, the assessment subunit includes: a scoring module, used to score the financial risk of the target answer trajectory to obtain a second risk score value; a first determining module, used to determine the risk score value to be deducted based on the face detection result and speed detection result of each of the N questions to obtain the risk score value to be deducted; and a second determining module, used to determine the assessment result based on the first risk score value, the second risk score value, and the risk score value to be deducted.

[0092] Optionally, in the risk assessment device provided in this application embodiment, the N questions include: identical questions. The first determining module includes: a detection submodule, used to detect whether the answer options selected by the target object are consistent for identical questions among the N questions, and obtain a target detection result; and a first determining submodule, used to determine the risk score to be deducted for the N questions based on the target detection result, the face detection result of each question, and the speed detection result of each question.

[0093] Optionally, in the risk assessment device provided in this application embodiment, the second determining module includes: a calculation submodule, used to calculate the sum of the first risk score and the second risk score to obtain a third risk score; a deduction submodule, used to deduct the risk score to be deducted from the third risk score to obtain a target risk score; and a second determining submodule, used to determine the assessment result based on the target risk score.

[0094] Optionally, in the risk assessment device provided in the embodiments of this application, the assessment unit further includes: an acquisition subunit, used to acquire the total number of characters of each question and all answer options associated with the question before detecting whether the response speed of each question exceeds the preset answer speed threshold of the question and obtaining the speed detection result of each question; and a second determination subunit, used to determine the preset answer speed threshold of the question based on the target number of characters associated with each question.

[0095] Optionally, in the risk assessment device provided in this application embodiment, the display unit includes: a first display subunit, used to display a first question in the questionnaire and all answer options associated with the first question through a target device, wherein the first question is one of M questions; a second display subunit, used to, after the target object selects at least one answer option associated with the first question, jump through the target device to display a second question in the questionnaire and all answer options associated with the second question according to the answer option selected by the target object, wherein the second question includes: a question among the M questions that is related to the answer option selected by the target object; a third determining subunit, used to determine an initial answer path based on the first question and the answer option selected by the target object for the first question, the second question and all answer options associated with the second question; and a fourth determining subunit, used to determine the question subsequently displayed by the target device and all answer options associated with the question based on the initial answer path, and to visually display the question and all answer options associated with the question.

[0096] It should be noted that the display unit 41, acquisition unit 42, and evaluation unit 43 mentioned above correspond to steps S201 to S203 in Embodiment 1. Each unit and its corresponding step implement the same instance and application scenario, but are not limited to the content disclosed in Embodiment 1. It should be noted that the above modules or units can be hardware or software components stored in memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above modules can also be part of the device and run in the computer terminal 10 provided in Embodiment 1.

[0097] Example 3

[0098] Embodiments of this application may provide an electronic device. Figure 5 This is a structural block diagram of an electronic device according to an embodiment of this application. Figure 5 As shown, the electronic device may include: one or more ( Figure 5 (Only one is shown) processor 502, memory 504, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0099] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and apparatus in the embodiments of this application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby implementing the above-described methods. The memory may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0100] The processor can access information and applications stored in memory via a transmission device to execute the following steps: With the target object's consent to a questionnaire survey, the questionnaire is visualized on the target device. The questionnaire includes M questions and S answer options associated with each question. The target device displays N questions from the M questions in a jump-like manner based on the answer options selected by the target object, where M and N are positive integers, N is less than M, and S is a positive integer. The processor also collects the target object's target answer trajectory and answer characteristics for each of the N questions. The target answer trajectory includes the N questions displayed in a jump-like manner and the answer options selected by the target object for each question. Based on the target answer trajectory and the answer characteristics for each of the N questions, the processor assesses the target object's financial risk and obtains the assessment result.

[0101] The processor can also access information and applications stored in the memory via a transmission device to execute the following steps: The answer characteristics for each question include: the facial features of the target object during the answering process and the answering speed. Based on the target answer trajectory and the answer characteristics of each of the N questions, a financial risk assessment is performed on the target object to obtain the assessment result, including: for the N questions, detecting whether the facial features of the target object during the answering process are preset facial features, obtaining the facial detection result for each question; detecting whether the answering speed for each question exceeds the preset answering speed threshold for that question, obtaining the speed detection result for each question; determining the first risk score for each question based on the answer option selected by the target object for each question and the preset score associated with that answer option; and performing a financial risk assessment on the target object based on the target answer trajectory, the facial detection result for each of the N questions, the speed detection result for each question, and the first risk score, obtaining the assessment result.

[0102] The processor can also access information and applications stored in the memory via a transmission device to perform the following steps: Based on the target answer trajectory, the facial detection results for each of the N questions, the speed detection results for each question, and a first risk score, conduct a financial risk assessment of the target object to obtain an assessment result, including: scoring the financial risk of the target answer trajectory to obtain a second risk score; determining the risk score to be deducted based on the facial detection results for each of the N questions and the speed detection results for each question; and determining the assessment result based on the first risk score, the second risk score, and the risk score to be deducted.

[0103] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: For the N questions, including the same questions, based on the face detection results and speed detection results of each of the N questions, determine the risk score to be deducted, and obtain the risk score to be deducted, including: for the same questions among the N questions, detect whether the answer options selected by the target object are consistent, and obtain the target detection result; for the N questions, based on the target detection result, the face detection result of each question, and the speed detection result of each question, determine the risk score to be deducted.

[0104] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: determining the assessment result based on the first risk score, the second risk score, and the risk score to be deducted, including: calculating the sum of the first risk score and the second risk score to obtain the third risk score; deducting the risk score to be deducted from the third risk score to obtain the target risk score; and determining the assessment result based on the target risk score.

[0105] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: before detecting whether the response speed of each question exceeds the preset response speed threshold of the question and obtaining the speed detection result of each question, it also includes: obtaining the total number of words of each question and all the response options associated with the question to obtain the target number of words for the question; and determining the preset response speed threshold of the question based on the target number of words associated with each question.

[0106] The processor can also invoke information and applications stored in the memory via a transmission device to perform the following steps: visually displaying the questionnaire through a target device, including: displaying a first question and all answer options associated with the first question in the questionnaire through the target device, wherein the first question is one of M questions; after the target selects at least one answer option associated with the first question, based on the answer option selected by the target, jumping through the target device to display a second question and all answer options associated with the second question in the questionnaire, wherein the second question includes: a question among the M questions that is related to the answer option selected by the target; determining an initial answer path based on the first question and the answer option selected by the target, the second question and all answer options associated with the second question; and determining subsequent questions to be displayed on the target device and all answer options associated with those questions, and visually displaying those questions and all answer options associated with them.

[0107] By employing the embodiments of this application, the financial risk of the target group is assessed through a jump-type questionnaire and answer features. This avoids the situation in related technologies where the questionnaire is relayed to the client by the account manager, resulting in low accuracy of financial risk assessment. Thus, the technical effect of improving the accuracy of questionnaire results and financial risk assessment is achieved.

[0108] Those skilled in the art will understand that Figure 5 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, handheld computers, mobile internet devices (MIDs), PADs, and other terminal devices. Figure 5 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 5 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 5 The different configurations shown.

[0109] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0110] Example 4

[0111] Embodiments of this application also provide a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the risk assessment method provided in Embodiment 1.

[0112] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0113] This application also provides a computer program product that, when executed on a data processing device, is suitable for performing risk assessment method steps.

[0114] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0115] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0116] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0117] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0118] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0119] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0120] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A risk assessment method, characterized in that, include: With the consent of the target subject to the questionnaire survey, the questionnaire is visualized through the target device. The questionnaire includes a questionnaire for collecting financial risk information of the target subject. The questionnaire includes M questions and S answer options associated with each question. The target device displays N questions out of the M questions in a jump-style manner according to the answer option selected by the target subject. M and N are positive integers, and N is less than M. S is a positive integer. The system collects the target object's answer trajectory when filling out the questionnaire and the answer characteristics of each of the N questions. The target answer trajectory includes: N questions displayed in a jump-style manner, and the answer option selected by the target object for each question. Based on the target's answer trajectory and the answer characteristics of each of the N questions, a financial risk assessment is performed on the target object to obtain the assessment result.

2. The risk assessment method according to claim 1, characterized in that, The answer characteristics for each question include: the facial features of the target object during the answering process and the answering speed. Based on the target object's answer trajectory and the answer characteristics for each of the N questions, a financial risk assessment is performed on the target object to obtain the assessment results, including: For N questions, detect whether the facial features of the target object are preset facial features during the process of answering each question, and obtain the facial detection result for each question; Detect whether the response speed for each question exceeds a preset response speed threshold for that question, and obtain the speed detection result for each question; Based on the response option selected by the target object for each question and the preset score associated with that response option, a first risk score is determined for each question; Based on the target answer trajectory, the facial detection results of each of the N questions, the speed detection results of each question, and the first risk score, a financial risk assessment is performed on the target object to obtain the assessment result.

3. The risk assessment method according to claim 2, characterized in that, Based on the target answer trajectory, the facial detection results for each of the N questions, the speed detection results for each question, and the first risk score, a financial risk assessment is performed on the target individual to obtain the assessment results, including: The financial risk score is calculated based on the target answer trajectory to obtain a second risk score. Based on the face detection results and speed detection results of each of the N questions, the risk score to be deducted is determined, and the risk score to be deducted is obtained. The assessment result is determined based on the first risk score, the second risk score, and the risk score to be deducted.

4. The risk assessment method according to claim 3, characterized in that, The N questions include identical questions. Based on the face detection results and speed detection results of each of the N questions, a risk score to be deducted is determined, resulting in a risk score to be deducted, including: For the same question among N questions, check whether the answer options selected by the target object are consistent to obtain the target detection result; For N questions, a risk score to be deducted is determined based on the target detection results, the face detection results for each question, and the speed detection results for each question.

5. The risk assessment method according to claim 3, characterized in that, Based on the first risk score, the second risk score, and the risk score to be deducted, the assessment result is determined, including: Calculate the sum of the first risk score and the second risk score to obtain the third risk score; The target risk score is obtained by subtracting the risk score to be deducted from the third risk score. The assessment result is determined based on the target risk score.

6. The risk assessment method according to claim 2, characterized in that, Before detecting whether the response speed for each question exceeds a preset response speed threshold for that question, and obtaining the speed detection result for each question, the method further includes: Obtain the total word count of each question and all associated answer options to get the target word count for that question; Based on the target number of words associated with each question, a preset answering speed threshold is determined for that question.

7. The risk assessment method according to claim 1, characterized in that, Visualizing the questionnaire using the target device, including: The first question in the questionnaire and all the answer options associated with the first question are displayed on the target device, wherein the first question is one of the M questions; After the target object selects at least one answer option associated with the first question, based on the answer option selected by the target object, the second question in the questionnaire and all answer options associated with the second question are displayed on the target device. The second question includes: M questions that are related to the answer option selected by the target object. Based on the first question and the answer options selected by the target object for the first question, the second question and all answer options associated with the second question, an initial answer path is determined; Based on the initial answer path, the question to be displayed on the target device and all the answer options associated with the question are determined and visualized.

8. A risk assessment device, characterized in that, include: The display unit is used to visualize the questionnaire through the target device when the target object agrees to participate in the questionnaire survey. The questionnaire includes a questionnaire for collecting financial risk information of the target object. The questionnaire includes M questions and S answer options associated with each question. The target device displays N questions out of the M questions in a jump-style manner according to the answer option selected by the target object. M and N are positive integers, and N is less than M. S is a positive integer. The data collection unit is used to collect the target object's answer trajectory when filling out the questionnaire and the answer characteristics of each of the N questions. The target answer trajectory includes: the N questions displayed in a jump-style manner, and the answer option selected by the target object for each question. An evaluation unit is used to assess the financial risk of the target object based on the target answer trajectory and the answer characteristics of each of the N questions, and obtain an evaluation result.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored executable program, wherein, when the executable program is executed, it controls the device on which the computer-readable storage medium is located to perform the risk assessment method according to any one of claims 1 to 7.

10. A computer program product comprising computer instructions, characterized in that, When the computer instructions are executed by the processor, they implement the steps of the risk assessment method according to any one of claims 1 to 7.

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