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Financial risk model training method and device and financial risk prediction method and device

A risk model and financial technology, applied in the computer field, to achieve the effect of improving accuracy

Pending Publication Date: 2022-04-12
普洛斯科技(重庆)有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] In view of this, in order to solve the problem of enterprise financial risk prediction, the application provides a financial risk model training method, device and financial risk prediction method, device

Method used

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  • Financial risk model training method and device and financial risk prediction method and device
  • Financial risk model training method and device and financial risk prediction method and device
  • Financial risk model training method and device and financial risk prediction method and device

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Embodiment Construction

[0039] Exemplary embodiments will be described in detail herein, examples of which are illustrated in the accompanying drawings. Where the following description refers to the drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the illustrative examples below are not intended to represent all implementations consistent with this application. Rather, they are merely examples of apparatus and methods consistent with some aspects of the present application as recited in the appended claims.

[0040] The terminology used in this application is for the purpose of describing particular embodiments only and is not intended to limit the application. As used in this application and the appended claims, the singular forms "a," "the," and "the" are intended to include the plural forms as well, unless the context clearly dictates otherwise. It will also be understood that the term "and / or" as...

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Abstract

The invention provides a financial risk model training method. The method comprises the steps that a training sample set marked with financial risk results is acquired; wherein any training sample is composed of preset financial characteristic indexes of multiple dimensions, and numerical values corresponding to the financial characteristic indexes are determined according to financial data and / or audit data of the enterprise; correcting the initial weight corresponding to the training sample according to a preset cost matrix; wherein the cost matrix is constructed based on loss brought by each misclassification; and inputting the training sample set after weight correction into the financial risk model for training to obtain a trained financial risk model. According to the technical scheme, on one hand, the financial condition of an enterprise can be accurately reflected by determining the financial characteristic indexes of multiple dimensions; and on the other hand, the problem of sample data imbalance can be solved based on cost-sensitive learning, and the accuracy of model prediction is improved.

Description

technical field [0001] The present application relates to the field of computer technology, and in particular, to a financial risk model training method and device, and a financial risk prediction method and device. Background technique [0002] With the further development of human economic activities and the improvement of related business theories, in order to better expand the business scope and scale of enterprises, increase their advantages in horizontal competition, and maximize corporate benefits, most modern enterprises advocate debt management. Under the guidance of this type of business model, enterprises will raise funds and use them for production and operation activities through bank loans, issuance of bonds, leasing and commercial credit. [0003] Due to the existence of debts in the operation of enterprises, there will inevitably be some enterprises that cannot repay their debts due to poor management, reduce cash flow and eventually become insolvent and go b...

Claims

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Application Information

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IPC IPC(8): G06Q40/06G06Q40/02G06Q40/04G06K9/62
Inventor 陶雅楠张昊楠
Owner 普洛斯科技(重庆)有限公司
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