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Risk control platform construction method based on data, model and strategy

A risk control and data technology, applied in data processing applications, structured data retrieval, database management systems, etc., can solve problems such as inability to process online, low accuracy of user portraits, and small coverage of management and control, so as to reduce bad credit rate, improve efficiency, and have broad application prospects

Inactive Publication Date: 2020-02-25
浪潮卓数大数据产业发展有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The existing bank risk control model cannot effectively meet the increasingly complex needs of the credit reporting market due to disadvantages such as time lag, inability to process the entire process online, low accuracy of user portraits, and small control coverage.

Method used

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  • Risk control platform construction method based on data, model and strategy
  • Risk control platform construction method based on data, model and strategy
  • Risk control platform construction method based on data, model and strategy

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Embodiment Construction

[0034] The invention provides a risk control platform construction method based on data, models and strategies,

[0035] Build a risk control platform:

[0036] Establish a data management module, responsible for collecting and processing data through data sources, and use the data warehouse to establish different data sets according to different data types for data storage and maintenance;

[0037] Establish a model calculation module, select different models for analysis and prediction according to user data and different businesses, and obtain the result data of analysis and prediction,

[0038] Establish a policy management module, according to business requirements, carry out policy configuration on the existing original data and analyzed and predicted result data, and use the rule engine to check the result data of the policy configuration one by one, and form different feedbacks on the result data of the policy configuration Policy execution results, distinguish user r...

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Abstract

The invention discloses a risk control platform construction method based on data, a model and a strategy, and relates to the technical field of data control. The method includes: establishing a riskcontrol platform: establishing a data management module which is responsible for acquiring data through a data source and processing the data, and establishing different data sets according to the types of different data by utilizing a data warehouse to perform data storage and maintenance; establishing a model calculation module which is used for selectingdifferent models for analysis and prediction according to the data of the user and different services, and obtaining analysis and prediction result data; establishing a strategy management module which is used for performing strategy configuration on the existing original data and the analyzed and predicted result data according to the service requirements, checking the result data of the strategy configuration one by one by utilizing arule engine, feeding back the result data of the strategy configuration to form different strategy execution results, and distinguishing user creditworthiness; and establishing a financial product supervision module which is used for configuring a corresponding financial product according to the creditworthiness of the user, and supervising the user.

Description

technical field [0001] The invention discloses a risk control platform construction method based on data, models and strategies, and relates to the technical field of data control. Background technique [0002] Risk control means that risk managers take various measures and methods to eliminate or reduce the various possibilities of risk events, or risk controllers reduce the losses caused by risk events. As a manager, he will take various measures to reduce the possibility of risk events, or control possible losses within a certain range, so as to avoid unbearable losses when risk events occur. [0003] The existing bank risk control model cannot effectively meet the needs of the increasingly complex credit reporting market due to disadvantages such as time lag, inability to process online, low accuracy of user portraits, and small control coverage. [0004] The present invention provides a method for building a risk control platform based on data, models, and strategies. ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06F16/25
CPCG06F16/252G06Q10/0635
Inventor 冯亚伟郭宏毅杨宝华崔光裕尹盼盼郭英楠王利鑫
Owner 浪潮卓数大数据产业发展有限公司
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