Financial risk level prediction method and device, electronic device and storage medium

A risk level and financial technology, applied in the field of big data, can solve problems such as difficulty in providing financial risk level prediction methods, different data sources and judgment criteria, etc., to reduce the risk of default, convenient and quick acquisition, and strengthen the effect of management and control.

Inactive Publication Date: 2019-12-24
JIANGSU MANYUN SOFTWARE TECH CO LTD
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Problems solved by technology

[0005] However, the above-mentioned financial risk levels based on big data are different due to their different data objects, data sources, and judgment criteria, so it is difficult to provide a method for predicting financial risk levels that is applicable to individuals, highly reliable, and interpretable

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  • Financial risk level prediction method and device, electronic device and storage medium
  • Financial risk level prediction method and device, electronic device and storage medium
  • Financial risk level prediction method and device, electronic device and storage medium

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Embodiment Construction

[0075] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.

[0076] Furthermore, the drawings are merely schematic illustrations of the invention and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus repeated descriptions thereof will be omitted. Some of the block diagrams shown in the drawings are functional entities and do not necessarily correspond to physically or logically separate entities. These functional entities may be impleme...

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Abstract

The invention provides a financial risk level prediction method and device, an electronic device and a storage medium. The financial risk level prediction model establishment method comprises the steps of obtaining the driver information and a driver financial risk level; obtaining the driver characteristics; forming the driver samples, and forming a driver sample set according to the driver samples; dividing the driver sample set into N training sets; for each value of i from 1 to N, for the i-th training set, modeling the training set by adopting a machine learning algorithm and by taking anaverage absolute error as a first loss function to obtain an i1-th prediction model; taking the mean square error as a second loss function, and modeling the training set by adopting a machine learning algorithm to obtain an i2-th prediction model, wherein the i1-th prediction model and the i2-th prediction model form the i-th group of prediction models; and taking the obtained N groups of prediction models as the financial risk level prediction models. According to the method and the device provided by the invention, the effective financial risk level prediction is realized.

Description

technical field [0001] The present invention relates to the technical field of big data, and in particular to a financial risk level prediction method, device, electronic equipment, and storage medium. Background technique [0002] Inclusive finance needs to tap the credit of more people. The current domestic credit reporting system that really works is mainly the credit reporting system of the central bank, which still covers a very limited number of people, far below the 85% coverage of the US credit reporting system. A large number of people in China who are not covered by the traditional credit reporting system also need credit services and enjoy financial inclusion, which requires exploring new ideas for credit reporting. With the continuous development of the Internet and the economy, the rise of Internet finance has also promoted the rapid development of the credit industry. Therefore, it is undoubtedly of great significance to provide a reliable risk identification...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/02
Inventor 刘思妤赵延宁
Owner JIANGSU MANYUN SOFTWARE TECH CO LTD
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