Second-hand car financing guarantee information identification method and system and medium

Abstract

The invention belongs to the technical field of financial information and data processing, and discloses a second-hand car financing guarantee information identification method, system and medium, and the method comprises the steps: collecting the basic information data and relation data of a loan applicant, and analyzing the information of the loan applicant through an information network technology; constructing a relational knowledge graph; and a fraud identification model of the loan application is established by using the graph convolutional neural network, and whether the loan application belongs to a fraud loan application is identified. The basic information data of the loan applicant comprises basic information provided by the application user, credit investigation information and historical information of the institution and other institutions, and constructing a comprehensive data set of each application user. According to the method, the sensitivity to feature selection is reduced, the implementation easiness is improved, and meanwhile, the method has higher accuracy, so that finance is helped to identify fraudulent loan applications more quickly and accurately.

Description

technical field [0001] The invention belongs to the technical field of financial information and data processing, and in particular relates to a method, system, medium, equipment and terminal for identifying used car financing guarantee information. Background technique [0002] At present, in the second-hand car financing guarantee industry, guarantee institutions provide banks with loan assistance services by collecting basic customer information, loan product information, vehicle information, three-party credit data, customer emergency contact information, and guarantor information. Customer provides warranty service. In this process, the guarantee institution assumes the responsibility of the client's overdue compensation, that is to say, if the client commits fraudulent loan fraud, it will cause significant asset losses to the guarantee institution. Therefore, it is of great significance to accurately identify these fraudulent behaviors before granting loans, strengthe...

AI Technical Summary

Problems solved by technology

[0006] (1) Existing technologies for used car financing guarantee fraud identification often encounter the problem of missing information when facing new users, and cannot make accurate assessments. At the same time, such methods are very sensitive to feature selection and have a high Dual business and technical requirements

[0007] (2) The existing technology for used car financing guarantee fraud identification requires real-time update and maintenance of a large number of rule databases, which have problems of difficult maintenance, real-time update and high cost of scheme implementation

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