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Intelligent credit risk control system based on multi-dimensional big data analysis

A big data and credit technology, applied in the field of credit risk control, can solve the problems of lack of risk prediction, inability to respond to enterprises and intuitive judgment, and achieve the effect of reducing the non-performing loan rate

Pending Publication Date: 2020-11-17
BANK OF SHANGHAI
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] The purpose of the present invention is to provide an intelligent credit risk control system based on multi-dimensional big data analysis to solve the lack of data supporting comprehensive risk prediction in the prior art, and the inability to respond to enterprises in a timely manner and intuitively judge The problem

Method used

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  • Intelligent credit risk control system based on multi-dimensional big data analysis
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  • Intelligent credit risk control system based on multi-dimensional big data analysis

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Embodiment Construction

[0037] The specific implementation manner of the present invention will be described in more detail below with reference to schematic diagrams. The advantages and features of the present invention will be more apparent from the following description. It should be noted that all the drawings are in a very simplified form and use imprecise scales, and are only used to facilitate and clearly assist the purpose of illustrating the embodiments of the present invention.

[0038] In the following, if the methods described herein comprise a series of steps, the order of these steps presented herein is not necessarily the only order in which these steps can be performed, and some of the described steps may be omitted and / or some not described herein. Additional steps can be added to the method.

[0039] In the existing assessment methods, the risk assessment is generally based on the financial overdue behavior of individuals and enterprises that need credit and the collateral that can...

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Abstract

The invention relates to an intelligent credit risk control system based on multi-dimensional big data analysis, which comprises a data acquisition module, a risk signal early warning module, an enterprise scoring module and a display module, and is characterized in that the enterprise scoring module comprises a label determination unit, a relevancy coefficient inspection unit, a factor analysis unit, a training unit and a score calculation unit; the label determination unit and the correlation coefficient verification unit are configured to filter the data acquired by the data acquisition module; the factor analysis unit is configured to obtain an in-mold factor; the training unit is configured to perform training according to the modulo factor to obtain a weight vector of a feature in the modulo factor; and the score calculation unit is configured to obtain an enterprise risk score by adopting a score calculation formula by taking the modulo factor and the weight vector of the feature in the modulo factor as calculation parameters. According to the invention, through the intelligent credit risk control system, the effects of pre-loan risk grading, intra-loan reflection and post-loan early warning are realized for the whole process of credit transaction, and the bad loan rate of public transaction is effectively reduced.

Description

technical field [0001] The invention relates to the technical field of credit risk control, in particular to an intelligent credit risk control system based on multi-dimensional big data analysis. Background technique [0002] With the development of credit business, there are more and more customers handling credit business. Therefore, the assessment of customer credit risk is becoming more and more important. [0003] In the existing assessment methods, the risk assessment is generally based on the financial overdue behavior of individuals and enterprises that need credit and the collateral that can be provided. However, corporate credit has the characteristics of many processes, complex data, and large amounts. The existing evaluation method has the following defects: (1) Insufficient access data makes it impossible to provide data support for comprehensive risk prediction; (2) Lack of risk Signal early warning makes it impossible to reflect enterprise information in a t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 张威朱伟辉赵凯歌周影陈超鞠爱宁周浩刘盈
Owner BANK OF SHANGHAI
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