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Risk list data generation method, device and equipment and computer storage medium

A data generation and risk technology, applied in the field of financial technology, can solve the problems of long risk assessment time and low risk assessment efficiency

Pending Publication Date: 2019-08-09
WEBANK (CHINA)
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

However, at present, credit risk analysis is usually carried out separately for a single individual or a single enterprise. When credit risk analysis is required, the data is collected and analyzed manually or by computer, and the risk assessment time is inevitably longer, resulting in lower risk assessment efficiency. Low

Method used

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  • Risk list data generation method, device and equipment and computer storage medium
  • Risk list data generation method, device and equipment and computer storage medium
  • Risk list data generation method, device and equipment and computer storage medium

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Embodiment Construction

[0044] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0045] refer to figure 1 , figure 1 It is a schematic diagram of the device structure of the hardware operating environment involved in the solution of the embodiment of the present invention.

[0046] The risk list data generation device in the embodiment of the present invention may be a smart phone, or a terminal device such as a PC (Personal Computer, personal computer), a tablet computer, or a portable computer.

[0047] Such as figure 1As shown, the device for generating risk list data may include: a processor 1001 , such as a 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 connection and communication between these components. The user interface 1003 may include a display screen (Display), an input ...

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PUM

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Abstract

The invention discloses a risk list data generation method. The risk list data generation method comprises: when a risk list data generation request is received, acquiring newly-added data and stock risk list detail data according to the risk list data generation request; analyzing and processing the newly added data to obtain incremental risk list detail data, and clearing the stock risk list detail data to clear out expired data; and performing merging processing on the cleared stock risk list detail data and the incremental risk list detail data to obtain risk list summary data. The invention also discloses a risk list data generation device, equipment and a computer storage medium. The risk list summary data can be intelligently generated, so that financial institutions such as banks can directly inquire credit risk data of enterprises or individuals based on the risk list summary data, and the risk assessment efficiency can be improved. In addition, the invention can also be combined with the block chain technology.

Description

technical field [0001] The present invention relates to the technical field of financial technology (Fintech), in particular to a method, device, equipment and computer storage medium for generating risk list data. Background technique [0002] In recent years, with the development of computer technology, more and more technologies (big data, distributed, blockchain, artificial intelligence, etc.) are applied in the financial field, and the traditional financial industry is gradually transforming into financial technology (Fintech). At present, financial credit has gradually become an important basis for the development of Internet finance. In a sense, the modern market economy has actually become a "credit economy". In the whole process of credit, it is necessary to determine the relevant operations through credit risk analysis. For example, before lending, financial institutions such as banks often evaluate the credit risk of enterprises or individuals to determine whether...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F16/215G06F16/23G06F16/27G06F21/60G06Q40/02
CPCG06F16/215G06F16/23G06F16/27G06F21/602G06Q40/03
Inventor 张凯麦天柱鄢仁柱周红娟郑萌曾岩李晶
Owner WEBANK (CHINA)
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