Real estate loan business risk assessment method and device

Abstract

The invention discloses a real estate class loan business risk assessment method and device, which can be applied to but not limited to the field of big data, and the method comprises the steps: collecting the dynamic attribute information of a real estate mortgage by a real estate class loan business in different time periods; then according to the dynamic attribute information of the real estate mortgage by the real estate type loan business in different time periods and the loan information of the real estate type loan business, generating corresponding parameter values of each risk factor in different time periods; calculating default loss rates of the real estate loan business in different time periods according to the parameter values corresponding to the risk factors in different time periods; and according to the default loss rates of the real estate loan business in different time periods, generating a dynamic risk assessment result of the real estate loan business. According to the method, the dynamic assessment of the real estate loan business default risk of custom configuration risk factors can be supported.

Description

technical field [0001] The invention discloses a risk assessment method and device for real estate loan business, which can be applied to the field of big data, and can also be applied to any field other than the field of big data. The method and device for risk assessment of real estate loan business disclosed in the invention The field of application is not limited. Background technique [0002] This section is intended to provide a background or context to embodiments of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] Debt rating refers to the quantitative assessment of the specific risks of the loan business to reflect the size of the debt loss after the customer defaults. Specific risk factors affecting debt losses in the market currently include: product category, guarantee method, repayment priority, etc. According to the specific risk factors of these dimensions, the calc...

AI Technical Summary

Problems solved by technology

[0005] An embodiment of the present invention provides a risk assessment method for real estate loan business, which is used to solve the technical problem that the existing debt rating model cannot dynamically evaluate the default loss rate of real estate loan business. The method includes: collecting the The dynamic attribute information of the real estate mortgaged by the real estate loan business in different time periods, wherein the dynamic attribute information includes: one or more attribute information that affect the change in the value of the real estate mortgaged by the real estate loan business; The dynamic attribute information of the mortgaged real estate in different time periods and the loan information of the real estate loan business generate parameter values ​​corresponding to each risk factor in different time periods, wherein each risk factor is a pre-configured real estate Evaluation parameters for risk assessment of the loan business, each risk factor corresponds to a risk factor that affects the default loss rate of the real estate loan business; according to the parameter values ​​corresponding to each risk factor in different time periods, calculate the real estate loan business Default loss rate in different time periods; according to the default loss rate of the real estate loan business in different time periods, generate the dynamic risk assessment results of the real estate loan business

[0006] The embodiment of the present invention also provides a real estate loan business risk assessment device to solve the technical problem that the existing debt rating model cannot dynamically evaluate the default loss rate of the real estate loan business. The device includes: real estate attribute The information acquisition module is used to collect the dynamic attribute information of the real estate mortgaged by the real estate loan business in different time periods, wherein the dynamic attribute information includes: one or more factors affecting the value change of the real estate mortgaged by the real estate loan business. A variety of attribute information; a risk factor parameter value acquisition module, which is used to generate dynamic attribute information of the mortgaged real estate in different time periods for the real estate loan business and the loan information of the real estate loan business to generate various risk factors at different times. The parameter value corresponding to the segment, wherein each risk factor is a pre-configured evaluation parameter for risk assessment of the real estate loan business, and each risk factor corresponds to a risk factor that affects the default loss rate of the real estate loan business; default loss The rate calculation module is used to calculate the default loss rate of the real estate loan business in different time periods according to the parameter values ​​corresponding to each risk factor in different time periods; the evaluation result generation module is used to calculate the real estate loan business according to the The default loss rate in different time periods generates the dynamic risk assessment results of the real estate loan business

[0007] The embodiment of the present invention also provides a computer device to solve the technical problem that the existing debt rating model cannot dynamically evaluate the default loss rate of the real estate loan business. The computer device includes a memory, a processor and a A computer program on a memory that can run on a processor, and when the processor executes the computer program, the above-mentioned real estate loan business risk assessment method is realized

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