Guarantee network risk checking system based on graph database

Abstract

The invention relates to a guarantee network risk checking system based on a graph database. According to the system, graphical abstraction of guaranteed network data is realized by utilizing a graphdatabase; by mapping graph complexity and graph features to complex guarantee network risks and special guarantee mode risks, indexing and quantitative calculation of the two kinds of guarantee network risks are achieved, and then risk points which cannot be recognized by an existing analysis method can be obtained in a large-scale engineering mode. Compared with the prior art, a background risk management department can complete preliminary investigation work of guarantee network risks more efficiently with higher quality, assistance is provided for workers to screen out a risk customer listmore quickly and better, and non-manual automatic, quick and efficient data processing under the condition of large data volume is achieved.

Description

technical field [0001] The invention relates to a guarantee network risk checking system, in particular to a guarantee network risk checking system based on a graph database. Background technique [0002] Risk control has always been a very important link in bank operation and management, which is closely related to the bank's profit, and the guarantee business occupies a large proportion in the bank's credit business, so the guarantee network risk investigation work is from the head office to each branch risk A very important routine job of the management department. The traditional guarantee network risk screening work adopts the combination of off-site inspection and on-site inspection. The back-stage risk management department bases on the basic information of the borrower and the guarantor, credit balance, capital flow, guarantee relationship and other data, according to industry risk and business risk. , capital chain risk, special events and other dimensions, and scr...

AI Technical Summary

Problems solved by technology

However, the matrix format is used to construct the guarantee network, and the information that can be stored in the formed network is limited, only the node name and a single matrix value, which means that the network constructed each time can only be analyzed for one indicator, such as the guarantee balance in the above example

If you want to analyze the credit balance again, you need to reconstruct a network matrix. If you want to combine the two for analysis, the tool cannot support it.

In addition, the above-mentioned software is mainly designed for social network analysis, and the network analysis program provided is not fully applicable to the guarantee network, and there is no flexible personalized analysis program, and the indicators that can be analyzed are limited

Some key nodes or node pairs can be found through centrality analysis, etc., but for risk points such as the longest guarantee link, multi-layer guarantee circles, special guarantee structures (such as satchel-shaped networks), and multi-layer guarantee paths between two companies, it is impossible to Rely on program dequantification calculation to realize non-manual automatic analysis under large data volume

Images