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Credit risk prevention and control method, device and system and computer readable storage medium

A risk and credit technology, applied in the field of financial technology, to achieve the effect of improving practicability, reducing labor costs, improving loss prevention efficiency and real-time performance

Pending Publication Date: 2022-05-06
WEBANK (CHINA)
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The main purpose of the present invention is to propose a credit risk prevention and control method, device, system and computer-readable storage medium, aiming at solving the problem of how to improve the practicality of risk prevention and control of Internet credit business

Method used

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  • Credit risk prevention and control method, device and system and computer readable storage medium
  • Credit risk prevention and control method, device and system and computer readable storage medium

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Embodiment Construction

[0062] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0063] Such as figure 1 as shown, figure 1 It is a schematic diagram of the device structure of the hardware operating environment involved in the solution of the embodiment of the present invention.

[0064] The device in this embodiment of the present invention may be a PC or a server device.

[0065] Such as figure 1 As shown, the device may include: a processor 1001 , such as a CPU, a network interface 1004 , a user interface 1003 , a memory 1005 , and a communication bus 1002 . Wherein, the communication bus 1002 is used to realize connection and communication between these components. The user interface 1003 may include a display screen (Display), an input unit such as a keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a wireless interface. Optionally...

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PUM

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Abstract

The invention discloses a credit risk prevention and control method, device and system and a computer readable storage medium, and the method comprises the steps: carrying out the risk assessment according to risk early warning information when the risk early warning information is detected, and obtaining a risk assessment result; and performing risk management and control according to the risk assessment result to obtain a risk management and control result, and determining whether risk early warning is released or not according to the risk management and control result. According to the invention, the credit risk is automatically identified, the risk early warning information is generated for risk assessment, the risk assessment result is obtained, the credit risk is subjected to risk management and control according to the risk assessment result, the risk management and control result is obtained, and whether risk early warning is released is determined according to the risk management and control result. By automatically identifying the credit and loan risk and performing risk management and control, the loss prevention efficiency and the real-time performance are improved, the labor cost is reduced, and the practicability of risk prevention and control of the internet credit and loan business is further improved.

Description

technical field [0001] The present invention relates to the technical field of financial science and technology, and in particular to a credit risk prevention and control method, device, system and computer-readable storage medium. Background technique [0002] With the development of Internet credit business, many people use cluster equipment or guide batches of people to initiate Internet credit applications in batches and launch malicious attacks on Internet credit business in order to obtain illegal profits, which seriously affects the security of credit business. Some prevention and control methods for malicious attack risks of Internet credit business mainly identify and track through post-event data report monitoring. When malicious attack risks are identified and discovered, interception and control measures are taken, but the loss prevention efficiency is not high. The high cost and low real-time performance lead to low practicability of the existing prevention and ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/0635G06Q40/03
Inventor 谢绍恒
Owner WEBANK (CHINA)
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