Risk assessment method and device, terminal equipment and storage medium

A technology of risk assessment and risk assessment model, applied in the fields of risk assessment methods, terminal equipment and storage media, and devices, can solve problems such as low accuracy, achieve the effect of improving efficiency, improving accuracy and precision, and avoiding subjective factors

Pending Publication Date: 2018-10-16
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] An embodiment of the present invention provides a risk assessment method to solve the problem of low accuracy in financial risk assessment of the user's financial risk tolerance level in the prior art

Method used

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  • Risk assessment method and device, terminal equipment and storage medium
  • Risk assessment method and device, terminal equipment and storage medium
  • Risk assessment method and device, terminal equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0036] see figure 1 , figure 1 The implementation process of the risk assessment method provided by the embodiment of the present invention is shown. The risk assessment method can collect the user's historical financial information from the user database, so as to perform financial risk assessment model training based on the collected historical financial information. The risk assessment method can be specifically applied in a user financial risk assessment system in the financial service industry to assess the financial risk tolerance level of the user, and can effectively improve the accuracy of the financial risk assessment of the user. Such as figure 1 As shown, the risk assessment method includes steps S10 to S80, detailed as follows:

[0037] S10: Obtain historical financial information of sample users.

[0038] In the embodiment of the present invention, the historical financial information of the sample users can be collected from the user database, and the data s...

Embodiment 2

[0178] Corresponding to the risk assessment method in Example 1, Figure 6 A risk assessment device corresponding to the risk assessment method provided in Embodiment 1 is shown. For ease of description, only parts related to the embodiments of the present invention are shown.

[0179] Such as Figure 6 As shown, the risk assessment device includes a user historical financial information acquisition module 10, a training set construction module 20, a financial risk assessment model construction module 30, a financial risk assessment model prediction module 40, a vote rate statistics module 50, a benchmark category determination module 60, Financial risk aversion coefficient calculation module 70 and financial risk tolerance level determination module 80 . The detailed description of each functional module is as follows:

[0180] User historical financial information acquisition module 10, used to acquire historical financial information of sample users;

[0181] A training...

Embodiment 3

[0216] This embodiment provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the risk assessment method in Embodiment 1 is implemented. To avoid repetition, details are not repeated here. Alternatively, when the computer program is executed by the processor, the functions of each module / unit in the financial risk assessment in Embodiment 2 are realized, and to avoid repetition, details are not repeated here.

[0217] It can be understood that the computer-readable storage medium may include: any entity or device capable of carrying the computer program code, recording medium, U disk, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (Read- Only Memory, ROM), random access memory (Random Access Memory, RAM), electric carrier signal and telecommunication signal, etc.

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Abstract

The invention discloses a risk assessment method and device, terminal equipment and storage medium. The method comprises the following steps of: acquiring a historical financial information of a sample user to construct training set; using random forests algorithm to construct a decision tree for the training set; constructing a random forest according to the generated multiple decision trees to obtain a financial risk assessment model; using the financial risk assessment model to predict the financial information of the user to be evaluated; counting the prediction results of each decision tree in the financial risk assessment model, and making full use of the voting result of each decision tree to further calculate the financial risk aversion coefficient of the user to be evaluated. According to the risk assessment method and device, terminal equipment and storage medium, predicting the financial information of the user by constructing a financial risk assessment model, counting andfurther calculating the predicted result of the model , , and thus obtaining the financial risk tolerance level of the user to improve the accuracy of the financial risk assessment for the user.

Description

technical field [0001] The present invention relates to the technical field of financial services, in particular to a risk assessment method, device, terminal equipment and storage medium. Background technique [0002] In the promotion of many financial services, it is necessary to clearly understand the financial risk tolerance level of users. The risk tolerance level refers to how much a person is able to bear risks, and it is related to personal asset status, family situation, work situation, etc. It needs to be comprehensive Consider measurement, so as to evaluate the risk tolerance of how much investment loss the user can bear without affecting his normal life. [0003] At present, the method of assessing the risk tolerance of users generally adopts the questionnaire survey method. For example, before the user purchases financial products, funds or stocks, the user conducts a risk assessment questionnaire survey on the user, and according to the answers to the financial...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/00
CPCG06Q10/0635G06Q40/00
Inventor 刘顺
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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