The application relates to the field of financial
risk assessment, and specifically discloses a user financial risk intelligent assessment method and
system, which comprises the following steps: constructing a three-dimensional
big data security protection framework to control user multi-type and multi-
modal data in all links; constructing a collaborative framework based on a federal learning
hybrid architecture, intelligently analyzing data by adjusting an AI model cluster, a
workflow engine and a financial large
language model after adjustment through a
reinforcement learning intelligent agent; constructing a three-dimensional portrait model, extracting special features of digital financial scenes such as internet loans, dynamically updating and outputting scene-based risk positioning results, and realizing accurate portrait; calculating a dynamic accurate pricing formula based on a formula dynamic interest rate pricing = benchmark interest rate *
risk adjustment coefficient * scene
adaptation coefficient * market fluctuation coefficient, optimizing coefficient weights through an
intelligent agent, and realizing dynamic accurate pricing; and outputting three-layer interfaces of a regulatory level, a financial institution business level and a user level. The application provides a standardized and efficient technical solution for user financial risk intelligent assessment.