According to the factoring service hierarchical
access method and device provided by the invention, multi-source heterogeneous data of a target enterprise is collected through a standardized interface, dimensions such as financial indexes,
system performance, public opinion dynamics and compliance texts are covered, and
data quality and safety are ensured through a professional data preprocessing process. A risk grading model of a fusion framework is adopted: text semantic features are extracted by utilizing a BERT model subjected to field
fine tuning, structured data are analyzed in combination with the numerical understanding capability of a GPT series model, multi-source feature alignment is realized through a cross-
modal attention mechanism, a comprehensive
feature vector is generated based on a multi-head
attention network, and the risk grading model of the fusion framework is obtained. And finally, outputting a
risk level by the lightweight full-connection network, and forming a corresponding access strategy based on the
risk level. According to the method, actual measurement-free evaluation is realized, a traditional test period needing a plurality of weeks is compressed to a plurality of hours, the model adaptability is continuously optimized through an
online learning mechanism, multi-dimensional
risk evaluation is realized, and test
resource consumption and
time cost are greatly reduced.