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Enterprise credit risk identification method and device

An identification method and risk technology, applied in the field of enterprise credit risk identification methods and devices, can solve the problems of fast risk transmission, no obvious features and real-time detected risks, and strong hiding ability, so as to reduce the transmission of risks , shorten the response time and improve the detection efficiency

Pending Publication Date: 2021-05-25
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Abstract
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  • Claims
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AI Technical Summary

Problems solved by technology

This traditional risk detection method is not enough to deal with the risks with strong hidden ability, fast risk transmission speed, no obvious characteristics and real-time detection

Method used

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  • Enterprise credit risk identification method and device
  • Enterprise credit risk identification method and device
  • Enterprise credit risk identification method and device

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Embodiment Construction

[0049] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0050] The present invention provides a kind of embodiment of the identification method of enterprise credit risk, see figure 1 , the method for identifying corporate credit risk specifically includes the following content:

[0051] S101: Obtain a target bank customer who has transactions with a bank corporate customer and transaction data b...

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Abstract

The invention provides an enterprise credit risk identification method and device which can be used in the financial field or other fields. The identification method comprises the following steps: acquiring a target bank customer having a transaction with a bank enterprise customer and transaction data between the target bank customer and the bank enterprise customer; determining an association relationship between the bank enterprise customer and the target bank customer according to a pre-established knowledge graph, the knowledge graph comprising all bank customers and an association relationship between the bank customers; and carrying out credit risk identification on the transaction data of the target bank customer based on the association relationship. According to the method, the labor investment can be reduced, the risk conduction can be effectively reduced, the response time is shortened by timely alarming, and the detection efficiency is improved.

Description

technical field [0001] The invention relates to the technical field of risk prevention and control, which can be used in the financial field to identify enterprise credit risk, and in particular relates to an identification method and device for enterprise credit risk. Background technique [0002] With the continuous development of banking business, due to the lack of standardized financial statements and tax audit information of some enterprises, especially small and micro enterprises, the transparency of operations is poor, and information fraud is relatively easy, resulting in information asymmetry between banks and enterprises, making it difficult for banks to grasp The real situation of small and micro enterprises cannot fully describe the characteristics of customers. Some corporate legal persons apply for mortgage loans from banks through illegal operations. Home loan. [0003] At present, the technology adopted by the risk detection system in the industry is mainly...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06F40/30
CPCG06F40/30G06Q40/03
Inventor 孙杰郭运雷
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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