Operation data audit method and device, equipment and computer readable storage medium

Abstract

The invention discloses an operation data audit method. The method comprises steps that enterprise sample data is acquired, an analog standard average line in a preset coordinate system is constructed, and a simulated confidence interval is acquired based on the analog standard average line; when a loan request is received, enterprise business data of a borrowing enterprise corresponding to the load request is acquired, and fitting of a corresponding enterprise business line in the preset coordinate system is carried out; the enterprise business line is compared with the simulated confidence interval to determine whether the enterprise business data is abnormal. The invention further discloses an operation data audit device, equipment and a computer readable storage medium. The method is advantaged in that large-scale enterprise data is learned in a machine learning mode, fitting of the enterprise business average line and the simulated confidence interval is carried out, the operationdata of the borrowing enterprise is audited based on the average line and the simulated confidence interval, whether the operation data of the borrowing enterprises is real is determined, and fraud behaviors of the borrowing enterprise can be identified.

Description

technical field [0001] The present invention relates to the field of financial credit, in particular to a business data review method, device, equipment and computer-readable storage medium. Background technique [0002] Enterprise credit risk assessment refers to the analysis of the operating status information of the loan enterprise to determine the possibility of overdue loans (bad debts) and whether it is a fraudulent loan. The existing enterprise credit risk assessment methods all use the enterprise's financial statements as the basic data for evaluation, and professionals analyze and review these data to determine the operating conditions of the enterprise and evaluate the credit risk. [0003] This traditional evaluation method mainly uses people to analyze the company's business data reports and other materials, and when the amount of data is large, it takes more time; at the same time, the analysis results are easily subject to the limitations of professionals' thin...

AI Technical Summary

Problems solved by technology

[0003] This traditional evaluation method mainly uses people to analyze the company's business data reports and other materials, and when the amount of data is large, it takes more time; at the same time, the analysis results are easily subject to the limitations of professionals' thinking. Affected by various factors, the evaluation results are inaccurate, and even abnormal operating data and fraudulent behaviors cannot be identified, resulting in bad loans and capital losses.

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