Risk detection method and device based on big data, apparatus and storage medium

A risk detection and big data technology, applied in the field of big data, can solve the problems of reducing the accuracy of credit risk detection, ignoring the correlation between credit data information and other information, single verification and verification, etc., to achieve discovery and avoidance, and improve accuracy Sexuality, effective early warning effect

Inactive Publication Date: 2019-04-16
PING AN TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

In the traditional risk detection process, it is generally a single verification of the information provided by the loan requester, such as telephone verification through telephone return visits; but this detection method ignores the relationship between credit data information and Correlation among other information, thus reducing the accuracy of credit risk detection

Method used

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  • Risk detection method and device based on big data, apparatus and storage medium
  • Risk detection method and device based on big data, apparatus and storage medium
  • Risk detection method and device based on big data, apparatus and storage medium

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Embodiment Construction

[0021] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0022] The risk detection method based on big data involved in the embodiment of the present invention is mainly applied to a risk detection device based on big data, and the risk detection device may be a personal computer (personal computer, PC), a notebook computer, a server, and other devices with data processing functions. .

[0023] refer to figure 1 , figure 1 It is a schematic diagram of the hardware structure of the big data-based risk detection device involved in the solution of the embodiment of the present invention. In the embodiment of the present invention, the risk detection 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 t...

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Abstract

The invention provides a risk detection method and device based on big data, an apparatus, and a readable storage medium. In the course of credit risk analysis, according to the need of risk control,we can get the requester information of the loan requester, and then establish the relationship between the requester information and other information in the way of relationship, so that the isolatedrequester information can be integrated with other information to form the information association map (information association network); Combined with the black (or gray) processing logic to detectthe credit risk, so as to detect the loan terminal of loan applicant by the way of big data analysis, improve the accuracy of credit risk detection, can more effectively carry out early warning of potential risks, can find and avoid risks and reduce the bad debt rate of loan as soon as possible.

Description

technical field [0001] The present invention relates to the field of big data, in particular to a risk detection method, device, equipment and storage medium based on big data. Background technique [0002] With the rapid development of society and financial industry, credit business is active in the market. Before lending money to a loan requester, a credit institution needs to analyze and conduct risk control tests on multiple information of the loan requester to determine its fraud risk. In the traditional risk detection process, it is generally a single verification of the information provided by the loan requester, such as telephone verification through telephone return visits; but this detection method ignores the relationship between credit data information and The correlation between other information reduces the accuracy of credit risk detection. Contents of the invention [0003] The main purpose of the present invention is to provide a risk detection method, d...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 向纯玉
Owner PING AN TECH (SHENZHEN) CO LTD
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