The invention discloses a credit loan fraud
data identification method and
system based on
artificial intelligence and a graph
algorithm, and relates to the technical field of credit loan
risk control.
User information and behavior data are collected from multiple sources, a relation network graph is constructed after cleaning, dense communities are identified, cross-
community intermediary nodes are positioned,
community portraits are generated, behavior patterns are quantified, and similar groups are clustered. According to the method, a complex fraud mode is accurately recognized, hidden association is mined through a graph
algorithm, the recognition accuracy is improved in combination with
community portraits and behavior clustering, the dynamic adaptability is high, real-time feedback and
incremental learning ensure that novel fraud is rapidly coped with, and the method is suitable for popularization and application. A high-
interpretability report meets compliance requirements, user trust is improved, large-scale data is efficiently processed,
modular design adapts to different credit and loan scenes, cost is reduced through automatic decision, the omission ratio is reduced, fraud loss is directly reduced, and the rate of return on investment is high.