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Risk analysis method, device, apparatus, and readable storage medium

A technology of risk analysis and preset relationship, applied in the field of big data, can solve problems such as ignoring the correlation between base stations and fraud risks, not paying attention to mobile phone communication base stations, and reducing the accuracy of credit analysis, so as to achieve discovery and avoidance, and improve accuracy Effect

Pending Publication Date: 2019-04-16
ONE CONNECT SMART TECH CO LTD SHENZHEN
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AI Technical Summary

Problems solved by technology

When conducting credit risk analysis, it is necessary to analyze the mobile phone of the loan applicant, but in the process of this analysis, the communication base station of the mobile phone is often not paid attention to, ignoring the correlation between the base station and the risk of fraud, which reduces the credit analysis the accuracy of

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  • Risk analysis method, device, apparatus, and readable storage medium
  • Risk analysis method, device, apparatus, and readable storage medium
  • Risk analysis method, device, apparatus, and readable storage medium

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Embodiment Construction

[0026] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0027] The risk analysis method involved in the embodiment of the present invention is mainly applied to risk analysis and analysis equipment, and the analysis equipment may be a personal computer (personal computer, PC), a notebook computer, a server, and other equipment with data processing functions.

[0028] refer to figure 1 , figure 1 It is a schematic diagram of the hardware structure of the risk analysis and analysis equipment involved in the solution of the embodiment of the present invention. In the embodiment of the present invention, the risk analysis and analysis device may include a processor 1001 (such as a central processing unit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Wherein, the communication bus 1002 is used to realize the connection an...

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Abstract

The invention provides a risk analysis method, a device, an apparatus and a readable storage medium. The invention integrates and associates the credit mobile phone of a loan applicant with other information (including the information of the loan applicant and the information of others) in a relationship mode, which is conducive to determining the relationship between the credit mobile phone and other information. the method analyzes and detects the risk of credit mobile phone with the processing logic of black dyeing (or gray dyeing), Thus, the potential credit fraud risk is effectively predicted in the way of big data analysis, the accuracy of the credit risk analysis is improved, the potential risk can be more effectively warned, the risk can be discovered and avoided as soon as possible, and the bad debt ratio of loan can be reduced.

Description

technical field [0001] The present invention relates to the field of big data, in particular to a risk analysis method, device, equipment and readable storage medium. Background technique [0002] With the rapid development of society and the financial industry, credit business is active in the market; credit institutions need to conduct risk control analysis on loan applicants to determine their fraud risk before lending money to loan applicants. When conducting credit risk analysis, it is necessary to analyze the mobile phone of the loan applicant, but in the process of this analysis, the communication base station of the mobile phone is often not paid attention to, ignoring the correlation between the base station and the risk of fraud, which reduces the credit analysis accuracy. Contents of the invention [0003] The main purpose of the present invention is to provide a risk analysis method, device, equipment and readable storage medium, aiming at improving the accura...

Claims

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Application Information

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IPC IPC(8): G06Q40/02H04W4/02
CPCH04W4/02G06Q40/03
Inventor 向纯玉
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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