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Financial lease risk prediction method and device, computer equipment and storage medium

A technology of risk prediction and financial leasing, applied in computer equipment and storage media, risk prediction method and device field of financial leasing enterprises, can solve problems such as affecting the smooth progress of financial leasing projects, low risk assessment efficiency, and too many manual intervention links. , to achieve the effect of reducing non-performing loan ratio, maximizing benefits and avoiding risks

Pending Publication Date: 2021-12-21
PING AN INT FINANCIAL LEASING CO LTD
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  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Existing risk assessment methods often have the problems of insufficient historical data acquisition and too many manual interventions, resulting in low efficiency of risk assessment and prone to misjudgment, which affects the smooth progress of financial leasing projects

Method used

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  • Financial lease risk prediction method and device, computer equipment and storage medium
  • Financial lease risk prediction method and device, computer equipment and storage medium
  • Financial lease risk prediction method and device, computer equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0046] see figure 1 , this embodiment proposes a risk prediction method for financial leasing, including the following steps:

[0047] S100: Obtain a plurality of feature data of the target lessee in the financial leasing project, the feature data is used to represent the operating status and credit status of the target lessee.

[0048] The target lessee can be the equipment demander in a financial leasing project, and it puts forward equipment usage requirements to the lessor, the financial leasing company, for equipment transactions between the financial leasing company and third-party suppliers. The multiple characteristic data of the target lessee in this embodiment may include multiple data such as the target lessee's financial status, operating status, historical loan records, employee composition, intellectual property ownership, and credit information. The above feature data may be directly provided by the user, or obtained through different information publishing web...

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Abstract

The invention relates to an artificial intelligence technology, and provides a financial lease risk prediction method and device, computer equipment and a storage medium. The method comprises the steps of obtaining multiple pieces of feature data of a target lessee in a financing lease project, wherein the feature data are used for representing the operation condition and credit condition of the target lessee; inputting the multiple pieces of feature data into an analysis and calculation engine to obtain different types of risk prediction results; wherein the analysis and calculation engine comprises one or more prediction models trained by big data, and each prediction model correspondingly outputs a branch prediction result; and evaluating the comprehensive risk of the target lessee according to the branch risk prediction result. According to the method, automatic decision and approval of the lessee credit risk can be realized, the lessee is evaluated based on algorithms, models, rules and multiple dimensions, and the whole risk control process of the financing lease project is more intelligent, efficient and automatic.

Description

technical field [0001] The present invention relates to the technical field of artificial intelligence, in particular to a risk prediction method, device, computer equipment and storage medium for a financial leasing enterprise. Background technique [0002] Financial leasing means that the lessor concludes a supply contract with a third party (supplier) according to the request of the lessee, and the lessor contributes funds to purchase the equipment selected by the lessee from the supplier according to the supply contract. In order to protect the rights and interests of the lessor, it is particularly important to carry out risk assessment on the credit rating of the lessee. The existing technology generally evaluates the lessee's credit risk through historical transaction data and experience based on the lessee's corresponding industry characteristics, financial status, operating status, project transaction structure, corporate credit, and post-loan management. [0003] E...

Claims

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Application Information

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IPC IPC(8): G06Q10/04G06Q10/06G06Q40/04G06N3/04G06N3/08
CPCG06Q10/04G06Q10/0635G06Q40/04G06N3/08G06N3/045
Inventor 千惠子
Owner PING AN INT FINANCIAL LEASING CO LTD
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