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Risk prevention and control method and device based on credit projects

A risk and credit technology, applied in data processing applications, finance, instruments, etc., can solve problems such as poor user performance behavior and inconsistent performance behavior.

Pending Publication Date: 2019-12-10
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, before the merchant or platform that rents out the item, it is a plan to predict the user's future performance behavior, and it can only provide a reference for the merchant or platform. The performance of the contract can only determine the user's default probability / performance probability through the risk assessment results. The performance of the user's final return of the item is still not directional. There is no good solution in the existing technology to promote the user's performance.

Method used

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  • Risk prevention and control method and device based on credit projects
  • Risk prevention and control method and device based on credit projects
  • Risk prevention and control method and device based on credit projects

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Embodiment Construction

[0074] In the following description, numerous specific details are set forth in order to provide a thorough understanding of the application. However, the present application can be implemented in many other ways different from those described here, and those skilled in the art can make similar promotions without violating the connotation of the present application. Therefore, the present application is not limited by the specific implementation disclosed below.

[0075] Terms used in one or more embodiments of the present application are for the purpose of describing specific embodiments only, and are not intended to limit the one or more embodiments of the present application. As used in one or more embodiments of this application and the appended claims, the singular forms "a", "the", and "the" are also intended to include the plural forms unless the context clearly dictates otherwise. It should also be understood that the term "and / or" used in one or more embodiments of th...

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Abstract

The invention provides a risk prevention and control method and device based on a credit project. The risk prevention and control method based on the credit project comprises: collecting project participation information of participation of a credit user in a historical credit project; classifying the project participation information according to risk dimensions to obtain project information under each risk dimension; performing risk assessment on the credit user in each risk dimension according to the project information to obtain a risk assessment result of each risk dimension; and if at least one risk assessment result is higher than the risk prevention and control threshold of the corresponding risk dimension, adding the credit user as a risk user into a risk user list. According to the risk prevention and control method based on the credit project, by performing risk prevention and control processing on the credit user, the credit user can be further promoted to actively performa contract, so that the risk of loss of participants of the credit project is reduced.

Description

technical field [0001] This application relates to the technical field of credit information management, in particular to a risk prevention and control method based on credit items. The present application also relates to a credit project-based risk prevention and control device, a computing device, and a computer-readable storage medium. Background technique [0002] With the development of Internet technology, there are more and more various credit services. Users can get loans, rent cars or rent things based on credit and get many services. During the leasing process, users only need to meet the current credit to enjoy the lease authority. Items needed to realize leasing. [0003] In the existing technology, after the user rents the desired item, the merchant or platform that rents the item will lose monitoring of the user. When the deadline for returning the item is reached, the behavior of the merchant or platform that rents out the item to the user is unknown. Whethe...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/0635G06Q40/03
Inventor 李杰
Owner ADVANCED NEW TECH CO LTD
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