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Early warning method and device of bank loan risks

A risk early warning and loan technology, which is applied in the fields of instruments, finance, and data processing applications, can solve the problems of incomplete early warning and low work efficiency, and achieve the effect of improving work efficiency and saving human resources

Inactive Publication Date: 2016-01-06
CHINA CONSTRUCTION BANK
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  • Abstract
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  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of this, this application provides a bank loan risk early warning method and device, which are used to solve the problems of low work efficiency and incomplete early warning in the existing manual mining method for loan risk early warning

Method used

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  • Early warning method and device of bank loan risks
  • Early warning method and device of bank loan risks

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Embodiment Construction

[0035] The following will clearly and completely describe the technical solutions in the embodiments of the application with reference to the drawings in the embodiments of the application. Apparently, the described embodiments are only some of the embodiments of the application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0036] see figure 1 , figure 1 It is a flowchart of a bank loan risk early warning method disclosed in the embodiment of this application.

[0037] Such as figure 1 As shown, the method includes:

[0038] Step S100, extract transaction data associated with the target loan item in the source system;

[0039] Here, the target loan item is the loan item to be processed this time. The transaction data associated with the target loan project includes all data related to the loan, su...

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Abstract

The invention discloses an early warning method and device of bank loan risks. The method comprises the following steps: extracting transaction data associated with a target load project from a source system; selecting a target risk early warning model from a preset risk early warning model set, wherein a loan type in a model parameter of the target risk early warning model is the same with the load type of the target load project; according to a data rule of the target risk early warning model, processing the transaction data; and utilizing the processed transaction data to calculate the target risk early warning model to obtain early warning data, wherein the early warning data is used for indicating whether the target load project has risks or not. The invention designs various risk early warning models in advance, since each risk early warning model corresponds to different risk types, the corresponding risk early warning model is selected according to the loan type of the target load project to carry out risk early warning, various types of risks can be comprehensively subjected to early warning, and meanwhile, the work efficiency of the risk early warning is improved.

Description

technical field [0001] This application relates to the field of software technology, and more specifically, to a bank loan risk early warning method and device. Background technique [0002] At present, phenomena such as "fake personal loans", defrauded loans, and misappropriated loans are on the rise, which can easily form risk penetration and impact on the bank credit field. [0003] In order to pre-control the risk of bank loans, the existing technology generally displays loan detailed data through detailed report data query, and then finds risky loans through manual mining. Due to the wide variety of risky loans, such as loan funds returning to the borrower, loan funds used to borrow new loans and repay old ones, manual mining methods cannot provide early warning for all types of risky loans, and there is a problem of low work efficiency. Contents of the invention [0004] In view of this, this application provides a bank loan risk early warning method and device, whi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 朱祖恩张锐李扬刘哲
Owner CHINA CONSTRUCTION BANK
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