The invention discloses a
financial data processing method and
system based on
big data analysis, relates to the technical field of
financial data processing, and aims to construct a financial
data vector set Fin for a target transaction object, break a data island and provide a comprehensive data basis for multi-
dimensional analysis. The income stability is evaluated by calculating a transaction fluctuation index Vt; calculating an income channel authenticity
score Ra to evaluate the health of the growth mode; and calculating a potential enumeration value Ld, and converting the operation risk into a specific financial influence. A financial
feature vector set Fan is constructed based on the risk indexes, a comprehensive
risk index IRI is calculated, a transaction decision AIR is generated and executed by comparing the comprehensive
risk index IRI with a
decision threshold interval theta, a complex analysis process is concentrated into an objective decision basis, and decision efficiency and scientificity are improved. And finally, iterative optimization is performed according to a historical
database HIS, a self-learning and evolution
closed loop of the model is established, and long-term accuracy and adaptability are ensured.