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A pre-loan risk monitoring method and device based on collection

A risk and risk assessment technology, applied in the computer field, can solve problems such as lagging risk control strategies, malicious fraud by users, disrupting the order of the financial market, etc.

Active Publication Date: 2019-05-03
BEIJING MATARNET TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Nowadays, the total number of credit default customers is also increasing day by day. Therefore, various financial institutions still generally have problems such as lagging risk control strategies and immature risk control solutions, resulting in malicious fraud by users, overdue behaviors and other behaviors that disrupt the order of the financial market.

Method used

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  • A pre-loan risk monitoring method and device based on collection
  • A pre-loan risk monitoring method and device based on collection
  • A pre-loan risk monitoring method and device based on collection

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Embodiment Construction

[0019] In order to make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be described clearly and completely in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of the embodiments of the present invention, not all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.

[0020] figure 1 It is a flowchart of a pre-lending risk monitoring method based on collection described in an embodiment of the present invention, such as figure 1 Said, including:

[0021] Step 110: Obtain the collection number database information through the collection number recognition model;

[0022] Step 120: Obtain risk assessmen...

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Abstract

The embodiment of the invention provides a pre-loan risk monitoring method and device based on collection. The method comprises the steps that acquiring collection number database information througha collection number recognition model; and obtaining a risk assessment score according to the loan conversation information and the collection number database information. A collection number and a collection address are acquired through a crawler technology, nearby operator base station information is matched according to the collection address, so that a collection number sample database is determined, a collection number recognition model is finally obtained through feature attribute information, and collection number library information can be obtained; the final risk assessment score isobtained according to the number information of the collector in the communication information of the loan, the pre-loan risk monitoring based on collection is innovatively carried out on the loan according to the collection condition of the loan, the pre-loan risk monitoring capability is practically enhanced, and the bad account rate is reduced.

Description

Technical field [0001] The embodiments of the present invention relate to the field of computer technology, and in particular to a method and device for pre-lending risk monitoring based on collection. Background technique [0002] In the context of the new era, the credit industry is booming. Financial institutions can provide credit services to users. In other words, financial institutions can provide users with a specified amount of loans based on their applications. In order to prevent loan users from maliciously or illegally using loans, financial institutions usually review users' loan applications. [0003] Nowadays, the total number of credit default customers is also increasing. Therefore, financial institutions still have problems such as lagging risk control strategies and immature risk control solutions, causing malicious fraud and overdue behaviors that disrupt the order of the financial market. [0004] Therefore, how to solve the above technical problems has become an...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
Inventor 沈林江张笑笑
Owner BEIJING MATARNET TECH
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