The invention discloses a financial business compliance
risk identification method based on
knowledge graph reasoning, and the method comprises the steps: constructing a heterogeneous
knowledge graph, enabling the heterogeneous
knowledge graph to be associated with a corresponding collateral node, carrying out the formalized modeling of a supervision rule through a
time sequence description logic, carrying out the forward chain reasoning of the knowledge graph through a
rule engine, and identifying a dominant compliance risk. An unstructured contract text is converted into vector representation,
semantic alignment is performed through a graph attention mechanism and contract element nodes in a knowledge graph, long-term dependence characteristics of
equipment state changes are captured, a temporary
inference sub-graph is generated through a rapid
adaptation module, dominant risk indexes are used as node characteristics of a graph neural network, and the graph neural network is constructed. And optimizing the overall reasoning effect through a joint
loss function. Therefore, a collaborative reasoning mode can be formed through hierarchical fusion of explicit and implicit risks, multi-source heterogeneous
data processing and rule dynamic
adaptation are effectively solved, and the accuracy and efficiency of movable property financing business compliance
risk identification of small and medium-sized enterprises are remarkably improved.