CN108280760A - A kind of financial risks on-line monitoring method and apparatus - Google Patents
A kind of financial risks on-line monitoring method and apparatus Download PDFInfo
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- CN108280760A CN108280760A CN201810073491.0A CN201810073491A CN108280760A CN 108280760 A CN108280760 A CN 108280760A CN 201810073491 A CN201810073491 A CN 201810073491A CN 108280760 A CN108280760 A CN 108280760A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
This application provides a kind of financial risks, and method and apparatus are monitored online, wherein this method includes：Obtain the internet of things equipment data and finance data of credit enterprise；The internet of things equipment data and the finance data are pre-processed, financial risks data to be analyzed are obtained；Risk analysis is carried out to the financial risks data based on the financial risks model library built in advance, obtains the risk analysis result of the credit enterprise.The operating status of internet of things equipment can be monitored in real time by this method；After being pre-processed to internet of things equipment data and finance data, the risk analysis result obtained to financial risks data analysis based on financial risks model library is more objective, financial institution can obtain the financial relevant information of credit enterprise in real time, and risk control is carried out according to the financial relevant information of credit enterprise, provide buffer time for adjustable strategies.
Description
Technical field
This application involves financial risks technical fields, and method and dress is monitored online in particular to a kind of financial risks
It sets.
Background technology
With the continuous development of informationization technology, the enterprise for relying on mechanical equipment movable property operation is more and more, these enterprises
Industry carries out credit movement by asset of equipments, and bank and other financial mechanism will ensure that in the case that risk is controllable can be just these enterprises
Financial service is provided.
At present bank and other financial mechanism to rely on mechanical equipment movable property operation enterprise provide financial product service before,
The equipment business circumstance of enterprise is understood by the way of artificial field investigation under line, to carry out risk assessment.
However the mode of artificial field investigation can only audit current equipment business circumstance under line, that investigates sets
Standby traffic-operating period is difficult to hold with accomplishing real-time objective, cannot be carried out in real time to equipment business circumstance after providing financial service
Solution, causes the assessment result of debt paying ability to enterprise's future etc. to be inaccurate, and then also inaccurate to the prediction of financial risks.
Invention content
In view of this, the embodiment of the present application is designed to provide a kind of on-line monitoring of financial risks and device, Neng Goushi
When and objectively the equipment management state of monitoring credit enterprise and financial related data, to realize timely and effectively financial wind
Danger control.
In a first aspect, the embodiment of the present application provides a kind of financial risks on-line monitoring method, including：
Obtain the internet of things equipment data and finance data of credit enterprise；
The internet of things equipment data and the finance data are stored and pre-processed, financial wind to be analyzed is obtained
Dangerous data；
Risk analysis is carried out to the financial risks data based on the financial risks model library built in advance, obtains described award
Believe the risk analysis result of enterprise.
With reference to first aspect, the embodiment of the present application provides the first possible embodiment of first aspect, wherein institute
The internet of things equipment data and finance data for obtaining credit enterprise are stated, including：
Receive the sensing data of the internet of things equipment；Wherein, the sensing data includes equipment operating condition number
According to and GPS data；And
The search access right to the credit enterprise is obtained, according to the search access right to the enterprises of the credit enterprise
System is inquired, and the credit finance data stored in the enterprises system is obtained；And
Obtain the financial related data of the credit enterprise disclosed in internet.
With reference to first aspect, the embodiment of the present application provides second of possible embodiment of first aspect, wherein institute
It states and the internet of things equipment data and the finance data is stored and pre-processed, obtain financial risks data to be analyzed
Including：
The uncertain data in the internet of things equipment data and the finance data is detected respectively, to the uncertain number
According to progress data cleansing；Wherein, the uncertain data includes missing data, wrong data and duplicate data；
By the internet of things equipment data and finance data progress data fusion after cleaning, intermediate financial wind is obtained
Dangerous data；The uncertain data in the intermediate financial risks data is detected, described in the intermediate financial risks data
Uncertain data carries out data cleansing, obtains financial risks data to be analyzed.
With reference to first aspect or any one of the first~bis- kind of possible embodiment of first aspect embodiment, this
Application embodiment provides the third possible embodiment of first aspect, wherein to the internet of things equipment data and institute
It states after finance data stored and pre-processed, the method further includes：
Based on the device diagnostic model built in advance, the Internet of Things is set according to pretreated internet of things equipment data
Standby health status is diagnosed, and the Gernral Check-up result of the internet of things equipment is generated；And
Based on the device predicted model built in advance, the Internet of Things is set according to pretreated internet of things equipment data
Standby health status is predicted, the health forecast parameter of the internet of things equipment is generated；
The health forecast parameter is compared with pre-set health parameters threshold value, if the health forecast parameter
More than the health parameters threshold value, then corresponding warning information is generated according to the health forecast parameter；
The warning information is issued, so that the credit enterprise and the financial institution make respectively according to the warning information
From Adjusted Option.
With reference to first aspect, the embodiment of the present application provides the 4th kind of possible embodiment of first aspect, wherein
After obtaining financial risks data to be analyzed, the method further includes：
The financial risks data that pre-set data were beaten in the period of version are obtained, by the financial risks data
Version flag is carried out, and is stored into edition data library；
Receive the versions of data inquiry request that the financial institution sends；Wherein, it is taken in the versions of data inquiry request
The period of version is beaten with the data；
The edition data library is inquired, the period of the version corresponding financial risks data will be beaten with the data and are sent
To the financial institution.
With reference to first aspect, the embodiment of the present application provides the 5th kind of possible embodiment of first aspect, wherein
It is described obtain risk analysis result after, further include：
The risk analysis is issued as a result, so that the financial institution generates corresponding control according to the risk analysis result
System instruction；
Receive the control instruction that the financial institution returns, according to the control instruction to the internet of things equipment into
Row remote control.
With reference to first aspect, the embodiment of the present application provides the 6th kind of possible embodiment of first aspect, wherein
It is described that the internet of things equipment data and the finance data are pre-processed, obtain financial risks data to be analyzed it
Afterwards, the method further includes：
Obtain the financial risks data of each credit enterprise of the same trade；
The financial risks data are set based on the business connection collection of illustrative plates and industry specialists knowledge mapping built in advance
Standby Economical Management Analysis, the equipment operation based on the market conditions analysis model built in advance to each credit enterprise
Situation carries out statistics ranking.
With reference to first aspect, the embodiment of the present application provides the 7th kind of possible embodiment of first aspect, wherein institute
The method of stating further includes：
Off-line training or financial flow data fortune are carried out to the financial risks model library based on the financial risks data
It calculates, to be updated to the financial risks model library.
Second aspect, the embodiment of the present application also provides a kind of financial risks on-line monitoring devices, including：
Acquisition module, the internet of things equipment data for obtaining credit enterprise and finance data；
Processing module is obtained for the internet of things equipment data and the finance data to be stored and pre-processed
Financial risks data to be analyzed；
Analysis module, for carrying out risk point to the financial risks data based on pre-set financial risks model library
Analysis, obtains risk analysis result.
In conjunction with second aspect, the embodiment of the present application provides the first possible embodiment of second aspect, wherein institute
Stating acquisition module includes：Operating condition data capture unit and finance data acquiring unit, wherein
The operating condition data capture unit is for receiving the sensing data for receiving the internet of things equipment；Wherein,
The sensing data includes equipment operating condition data and GPS data；
The finance data acquiring unit is used to obtain the search access right to the credit enterprise, according to the search access right
The enterprises system of the credit enterprise is inquired, the credit finance number stored in the enterprises system is obtained
According to；And obtain the financial related data of the credit enterprise disclosed in internet.
The embodiment of the present application provides a kind of financial risks on-line monitoring method and apparatus, passes through the realization pair of Internet of Things cloud platform
Financial risks is monitored online, wherein this method, can be in real time and objective by the internet of things equipment data of acquisition credit enterprise
Monitor the operating status of internet of things equipment；After being pre-processed to internet of things equipment data and finance data, based on financial wind
The risk analysis result that dangerous model library obtains financial risks data analysis is more objective and accurate；Financial institution can obtain in real time
The financial relevant information of credit enterprise, buffer time is provided for adjustable strategies.
Description of the drawings
It, below will be to needed in the embodiment attached in order to illustrate more clearly of the technical solution of the embodiment of the present application
Figure is briefly described, it should be understood that the following drawings illustrates only some embodiments of the application, therefore is not construed as pair
The restriction of range for those of ordinary skill in the art without creative efforts, can also be according to this
A little attached drawings obtain other relevant attached drawings.
Fig. 1 shows a kind of flow chart for financial risks on-line monitoring method that the embodiment of the present application is provided；
Fig. 2 shows a kind of structural schematic diagrams for financial risks on-line monitoring device that the embodiment of the present application is provided.
Specific implementation mode
To keep the purpose, technical scheme and advantage of the embodiment of the present application clearer, below in conjunction with the embodiment of the present application
Middle attached drawing, technical solutions in the embodiments of the present application are clearly and completely described, it is clear that described embodiment is only
It is some embodiments of the present application, instead of all the embodiments.The application being usually described and illustrated herein in the accompanying drawings is real
Applying the component of example can be arranged and designed with a variety of different configurations.Therefore, below to the application's for providing in the accompanying drawings
The detailed description of embodiment is not intended to limit claimed scope of the present application, but is merely representative of the selected reality of the application
Apply example.Based on embodiments herein, institute that those skilled in the art are obtained without making creative work
There is other embodiment, shall fall in the protection scope of this application.
In view of current financial institution can only be to current equipment business circumstance by the way of artificial field investigation under line
It is audited, the equipment traffic-operating period investigated does not have timeliness, cannot be in real time to equipment operation after providing financial service
Situation is understood, and causes the assessment result of debt paying ability to enterprise's future etc. to be inaccurate, and then to the pre- of financial risks
It surveys also inaccurate.Based on this, the embodiment of the present application provides a kind of financial risks on-line monitoring method and apparatus, below by reality
Example is applied to be described.
Embodiment one
The embodiment of the present application provides a kind of financial risks on-line monitoring method, is the flow chart of this method, packet as shown in Figure 1
It includes：
S101, the internet of things equipment data and finance data for obtaining credit enterprise.
In the embodiment of the present application, executive agent is Internet of Things cloud platform, and Internet of Things cloud platform is established respectively looks forward to credit
The communication connection of industry, financial institution, above-mentioned credit enterprise are credit to the enterprise of Internet of Things cloud platform, Internet of Things cloud platform
Remote monitoring is carried out to the internet of things equipment of credit enterprise by technology of Internet of things, obtains internet of things equipment data in real time, and
The finance data of credit enterprise；Financial institution can check the internet of things equipment data of credit enterprise by Internet of Things cloud platform simultaneously
And finance data.
The internet of things equipment data and finance data of above-mentioned acquisition credit enterprise, including：Receive above-mentioned internet of things equipment
Sensing data；Wherein, the sensor data include equipment operating condition data and GPS data；And
The search access right to above-mentioned credit enterprise is obtained, according to above-mentioned search access right to the enterprises of above-mentioned credit enterprise
System is inquired, and the credit finance data stored in above-mentioned enterprises system is obtained；And
Obtain the financial related data of the credit enterprise disclosed in internet.
Specifically, GPS module and sensor are laid on internet of things equipment, such as fibre optical sensor, pressure sensor etc.,
The operating condition data detected are sent to Internet of Things cloud platform by sensor in real time；There is Physical Network cloud platform inquiry to award simultaneously
Believe the permission of the enterprises system of enterprise, wherein enterprises system is the system for the finance data for storing the credit enterprise,
Such as manufacturing enterprise's production process executes system (Manufacturing Execution System, MES), Enterprise Resources Plan
System (Enterprise Resource Planning, ERP) etc., credit enterprise carry out the finance data of enterprises system
It is inquired for Internet of Things cloud platform after the processing such as data desensitization, secrecy, safety；In addition, Internet of Things cloud platform can also be from internet
Upper public data of the acquisition in relation to credit enterprise realizes the synchronization of the public data on internet more using data synchronization mechanism
Newly.By obtain internet of things equipment operating condition data, can real-time monitoring equipment business circumstance, the gold of comprehensive credit line enterprise
Melt data, it is more accurate to subsequent risk analysis, there is timeliness.
S102, the internet of things equipment data and the finance data are stored and is pre-processed, obtained to be analyzed
Financial risks data.
After getting internet of things equipment data and the finance data of above-mentioned credit enterprise, pass through the Internet of Things cloud platform of establishment
Internet of things equipment data and finance data are carried out storage management by business data lake, can be to multi-source heterogeneous data by data lake
Carry out unified management and O＆M.Wherein, including the data storage function on basis, data acquisition crawl conversion function, task scheduling
Management function, metadata management function, data blood relationship impact analysis function and data beat version function etc..It is realized by above-mentioned function
Effective management to the data of Internet of Things cloud platform.
Specific preprocessing process is to detect not knowing in above-mentioned internet of things equipment data and above-mentioned finance data respectively
Data carry out data cleansing to above-mentioned uncertain data；Wherein, above-mentioned uncertain data include missing data, wrong data with
And duplicate data；
By the above-mentioned internet of things equipment data and above-mentioned finance data progress data fusion after cleaning, intermediate financial wind is obtained
Dangerous data；The uncertain data in the intermediate financial risks data is detected, described in the intermediate financial risks data
Uncertain data carries out data cleansing, obtains financial risks data to be analyzed.
In the embodiment of the present application, utilize big data algorithm into line number the internet of things equipment data and finance data that get
Uncertain number that is Deletional, correcting error resistance deletion repeatability is removed according to cleaning, such as multiple interpolation, substance interpolation scheduling algorithm
According to ensure the accuracy of financial risks data to be analyzed.
Optionally, it is above-mentioned obtain financial risks data to be analyzed after, the above method further includes：
The financial risks data that pre-set data were beaten in the period of version are obtained, by the financial risks data
Version flag is carried out, and is stored into edition data library；
Receive the versions of data inquiry request that the financial institution sends；Wherein, it is taken in the versions of data inquiry request
The period of version is beaten with the data；
The edition data library is inquired, the period of the version corresponding financial risks data will be beaten with the data and are sent
To the financial institution.
Specifically, data lake technology, which includes data, beats version function, data in different time periods are beaten as desired
Version, for example, due to various factors enterprise differences such as the profit of section and assets in different times, it can be by different time sections
The interior relevant data of finance carry out version flag, such as by the financial risks data markers in November are version 1.2, by December
The financial risks data markers of part are version 1.3, and version 1.2, version 1.3 are respectively stored into edition data library, finance
The data that mechanism can transfer out each version as needed are checked.Version function is beaten by above-mentioned data, contributes to finance
Mechanism understands financial risks data and risk analysis result, to effective management to credit enterprise.
S103, risk analysis is carried out to the financial risks data based on the financial risks model library built in advance, obtained
The risk analysis result of the credit enterprise.
In the embodiment of the present application, melt risk model, example comprising multiple interests in the financial risks model library built in advance
Such as financial risks management and control expertise rule model, judge business solvency model, judge enterprise's refund wish model and
Anti- fraud model etc., the required data to be analyzed of different financial risks models are different, thus based on financial risks model from
Financial risks extracting data goes out required data and carries out risk analysis, obtains the risk analysis result of credit enterprise for gold
Melt mechanism reference or the calculation risk factor, determines whether to provide financial service for the credit enterprise, or whether continue as this
Credit enterprise provides financial service etc..
The above method further includes：Based on above-mentioned financial risks data to above-mentioned financial risks model library carry out off-line training or
It is financial flow data operation, to be updated to above-mentioned financial risks model library.
Specifically, update for financial risks model library and it is newly-increased include two methods：One is obtained based on real-time
Financial risks data carry out off-line training or financial flow data operation, update the model parameter in financial risks model library；
Another kind is and financial institution cooperation builds significantly more efficient financial risks model.By to financial risks model library constantly more
Newly with it is newly-increased, the accuracy of risk analysis result can be continuously improved.
The data such as the financial risks data and risk analysis result of above-mentioned offer can be historical time section, can also
It is the newly-increased period；Can with the financial risks data at real-time display moment and risk analysis as a result, can also according to
The financial risks data of selection certain period of display at family and risk analysis are as a result, can be as needed to awarding thereby using family
Letter enterprise is comprehensively understood.
In the embodiment of the present application, Internet of Things cloud platform provide finance data service include：Api interface calling, data
Report, real-time instrument board, regular warning, Reverse Turning Control etc..
Preferably, after above-mentioned internet of things equipment data and above-mentioned finance data being stored and are pre-processed, above-mentioned side
Method further includes：
Based on the device diagnostic model built in advance, above-mentioned Internet of Things is set according to pretreated internet of things equipment data
Standby health status is diagnosed, and the Gernral Check-up result of above-mentioned internet of things equipment is generated；And
Based on the device predicted model built in advance, above-mentioned Internet of Things is set according to pretreated internet of things equipment data
Standby health status is predicted, the health forecast parameter of above-mentioned internet of things equipment is generated；
Above-mentioned health forecast parameter is compared with pre-set health parameters threshold value, if above-mentioned health forecast parameter
More than above-mentioned health parameters threshold value, then corresponding warning information is generated according to above-mentioned health forecast parameter；
Above-mentioned warning information is issued, so that above-mentioned credit enterprise and above-mentioned financial institution make respectively according to above-mentioned warning information
From Adjusted Option.
Specifically, above equipment evaluation model is built jointly in conjunction with industry specialists knowledge mapping and equipment expertise
, above equipment diagnostic model includes at least equipment health assessment model, equipment Gernral Check-up model etc., and above equipment predicts mould
Type includes at least equipment fault prediction model, equipment remaining life prediction model etc., is set to Internet of Things based on above-mentioned model
Standby data are analyzed, and can be diagnosed and be predicted potential in internet of things equipment and be not easy the failure found by human eye, in conjunction with wind
Dangerous analysis result can more accurately assess the internet of things equipment business circumstance of credit enterprise, weigh the inherence of internet of things equipment
Quality, to more effectively be assessed the residual value of equipment and value.
The health forecast parameter that device predicted model based on structure generates is compared with health parameters threshold value, if strong
Health Prediction Parameters are more than health parameters threshold value, then judge that there are failures for internet of things equipment, and according to health forecast parameter according to pre-
The rule being first arranged generates corresponding warning information, and by warning information publication in Internet of Things cloud platform；It can also be by early warning
Information is sent to credit enterprise and financial institution associated with credit enterprise, wherein warning information can be by mail, short
The various ways such as letter, wechat notify credit enterprise or financial institution, can also be sent directly to award by Internet of Things cloud platform
Enterprise or financial institution are believed in the account that Internet of Things cloud platform is registered, and credit enterprise can formulate equipment according to warning information
Maintenance strategy, to improve the service efficiency of internet of things equipment；Financial institution can make reply according to warning information
Strategy makes adjustment to the financial service of the credit enterprise.
Optionally, it is above-mentioned obtain risk analysis result after, further include：Above-mentioned risk analysis is issued as a result, on so that
It states financial institution and corresponding control instruction is generated according to above-mentioned risk analysis result；
Receive the above-mentioned control instruction that above-mentioned financial institution returns, according to above-mentioned control instruction to above-mentioned internet of things equipment into
Row remote control.
Specifically, after obtaining risk analysis result, issue on platform of internet of things, in the risk point for receiving financial institution
After analysing result queries request, risk analysis result is sent to financial institution, judges to act in next step by financial institution, such as
Judge that the credit enterprise will or have occurred that violations according to risk analysis result, then can pass through Internet of Things cloud platform
Control instruction is generated, internet of things equipment is controlled according to control instruction.Such as control Internet of Things is carried in control instruction
The information of equipment lock machine then carries out lock machine to internet of things equipment by platform of internet of things, makes internet of things equipment stop working state.
Prompting message is sent to credit enterprise simultaneously, informs risk control the result of the action, objective risk point is provided for financial institution
Service is taken precautions against and is controlled in analysis.
In the embodiment of the present application, it pre-processes, obtains to above-mentioned internet of things equipment data and above-mentioned finance data
After financial risks data to be analyzed, the above method further includes：Obtain the above-mentioned financial wind of each credit enterprise of the same trade
Dangerous data；
Above-mentioned financial risks data are set based on the business connection collection of illustrative plates and industry specialists knowledge mapping built in advance
Standby Economical Management Analysis, the equipment operation based on the market conditions analysis model built in advance to each credit enterprise
Situation carries out statistics ranking.
Specifically, business connection collection of illustrative plates is to be shown the incidence relation between enterprise and enterprise in the form of collection of illustrative plates, lead to
The credit information that business connection collection of illustrative plates is recognized that other enterprises associated with the credit enterprise is crossed, business connection figure is based on
Spectrum and industry specialists knowledge mapping, and all credit enterprises of the same trade equipment management data, according to equipment operation market row
Feelings analysis model, enterprises ' industry analytic trend prediction model etc. analyze the equipment business circumstance of credit enterprise, and then right
The equipment business circumstance of industry entirety is analyzed and predicted where credit enterprise, is obtained the enterprise and is passed through in the equipment of place industry
The ranking of battalion's situation, financial institution can get the ranking information of the enterprise, contribute to development of the financial institution to the sector
Dynamic further appreciates that, and then adjusts strategy.
Method is monitored online in a kind of financial risks provided by the embodiments of the present application, is realized to finance by Internet of Things cloud platform
Risk is monitored online, specifically, the internet of things equipment data by obtaining credit enterprise, can monitor internet of things equipment in real time
Operating status；After internet of things equipment data and finance data are stored and pre-processed, it is based on financial risks model library pair
The risk analysis result that financial risks data analysis obtains is more objective and accurate；Financial institution can monitor in real time and objectively and award
The equipment management state of enterprise and financial related data are believed, to realize timely and effectively Financial Risk Control, to adjust plan
Slightly provide buffer time；By the continuous renewal to financial risks model library, having for risk analysis result is further ensured
Effect property.
It is a kind of financial risks on-line monitoring method provided by the embodiments of the present application above, is based on same thought, this Shen
It please a kind of financial risks on-line monitoring device of embodiment offer.
Embodiment two
The embodiment of the present application provides a kind of financial risks on-line monitoring device, including：
Acquisition module 201, the internet of things equipment data for obtaining credit enterprise and finance data；
Processing module 202 is obtained for the internet of things equipment data and the finance data to be stored and pre-processed
To financial risks data to be analyzed；
Analysis module 203, for based on pre-set financial risks model library to the financial risks data into sector-style
Danger analysis, obtains risk analysis result.
Optionally, the acquisition module 201 includes：Operating condition data capture unit and finance data acquiring unit,
Wherein,
The operating condition data capture unit is used to receive the sensing data of the internet of things equipment；Wherein, described
Sensing data includes equipment operating condition data and GPS data；
The finance data acquiring unit is used to obtain the search access right to the credit enterprise, according to the search access right
The enterprises system of the credit enterprise is inquired, the credit finance number stored in the enterprises system is obtained
According to；And
Obtain the financial related data of the credit enterprise disclosed in internet.
Optionally, the processing module 202 includes：Cleaning unit and integrated unit, wherein
The cleaning unit is used to detect the uncertain number in the internet of things equipment data and the finance data respectively
According to uncertain data progress data cleansing；Wherein, the uncertain data include missing data, wrong data and
Duplicate data；
The integrated unit is used to the internet of things equipment data after cleaning and the finance data carrying out data to melt
It closes, obtains intermediate financial risks data；The uncertain data in the intermediate financial risks data is detected, to the intermediate finance
The uncertain data in risk data carries out data cleansing, obtains financial risks data to be analyzed.
Optionally, described device further includes：
Equipment Gernral Check-up module, for based on the device diagnostic model built in advance, according to pretreated Internet of Things
Device data diagnoses the health status of the internet of things equipment, generates the Gernral Check-up result of the internet of things equipment；
Equipment health forecast module, for based on the device predicted model built in advance, according to pretreated Internet of Things
Device data predicts the health status of the internet of things equipment, generates the health forecast parameter of the internet of things equipment；
Warning information generation module, for comparing the health forecast parameter and pre-set health parameters threshold value
Compared with corresponding pre- according to health forecast parameter generation if the health forecast parameter is more than the health parameters threshold value
Alert information；
The warning information is issued, so that the credit enterprise and the financial institution make respectively according to the warning information
From Adjusted Option.
Optionally, described device further includes：
Data beat version module, the financial risks data beaten in the period of version for obtaining pre-set data,
The financial risks data are subjected to version flag, and are stored into edition data library；
Receive the versions of data inquiry request that the financial institution sends；Wherein, it is taken in the versions of data inquiry request
The period of version is beaten with the data；
The edition data library is inquired, the period of the version corresponding financial risks data will be beaten with the data and are sent
To the financial institution.
Optionally, described device further includes：
Release module, for issuing the risk analysis as a result, so that the financial institution is according to the risk analysis knot
Fruit generates corresponding control instruction；
The receiving module is additionally operable to receive the control instruction that the financial institution returns, according to the control instruction
Remote control is carried out to the internet of things equipment.
Optionally, the acquisition module is additionally operable to：Obtain the financial risks data of each credit enterprise of the same trade；
The analysis module 203 is additionally operable to based on the business connection collection of illustrative plates and industry specialists knowledge mapping pair built in advance
The financial risks data carry out equipment Economical Management Analysis, obtain the risk analysis of the sector as a result, based on building in advance
Market conditions analysis model carries out statistics ranking to the equipment management state of each credit enterprise.
Optionally, described device further includes：
Update module, for based on the financial risks data to the financial risks model library carry out off-line training or
Financial flow data operation, to be updated to the financial risks model library.
Method and apparatus are monitored online in a kind of financial risks provided by the embodiments of the present application, wherein this method passes through Internet of Things
Net cloud platform, which is realized, is monitored online financial risks, specifically, the internet of things equipment data by obtaining credit enterprise, Ke Yishi
When monitor internet of things equipment operating status；After internet of things equipment data and finance data are stored and are pre-processed, base
It is more objective and accurate in the risk analysis result that financial risks model library obtains financial risks data analysis；Financial institution can be with
The equipment management state of credit enterprise and financial related data are monitored in real time and objectively, it is timely and effectively golden to realize
Melt risk control, buffer time is provided for adjustable strategies；By the continuous renewal to financial risks model library, it is further ensured that
The validity of risk analysis result.
Finally it should be noted that：Embodiment described above, the only specific implementation mode of the application, to illustrate the application
Technical solution, rather than its limitations, the protection domain of the application is not limited thereto, although with reference to the foregoing embodiments to this Shen
It please be described in detail, it will be understood by those of ordinary skill in the art that：Any one skilled in the art
In the technical scope that the application discloses, it can still modify to the technical solution recorded in previous embodiment or can be light
It is readily conceivable that variation or equivalent replacement of some of the technical features；And these modifications, variation or replacement, do not make
The essence of corresponding technical solution is detached from the spirit and scope of the embodiment of the present application technical solution.The protection in the application should all be covered
Within the scope of.Therefore, the protection domain of the application should be based on the protection scope of the described claims.
Claims (10)
1. method is monitored online in a kind of financial risks, which is characterized in that including：
Obtain the internet of things equipment data and finance data of credit enterprise；
The internet of things equipment data and the finance data are stored and pre-processed, financial risks number to be analyzed is obtained
According to；
Risk analysis is carried out to the financial risks data based on the financial risks model library built in advance, obtains the credit enterprise
The risk analysis result of industry.
2. according to the method described in claim 1, it is characterized in that, the internet of things equipment data and gold for obtaining credit enterprise
Melt data, including：
Receive the sensing data of the internet of things equipment；Wherein, the sensing data include equipment operating condition data and
GPS data；And
The search access right to the credit enterprise is obtained, according to the search access right to the enterprises system of the credit enterprise
It is inquired, obtains the credit finance data stored in the enterprises system；And
Obtain the financial related data of the credit enterprise disclosed in internet.
3. according to the method described in claim 1, it is characterized in that, described to the internet of things equipment data and the financial number
According to being stored and being pre-processed, obtaining financial risks data to be analyzed includes：
Detect the uncertain data in the internet of things equipment data and the finance data respectively, to the uncertain data into
Row data cleansing；Wherein, the uncertain data includes missing data, wrong data and duplicate data；
By the internet of things equipment data and finance data progress data fusion after cleaning, intermediate financial risks number is obtained
According to；Detect the uncertain data in the intermediate financial risks data, to described in the intermediate financial risks data not really
Fixed number obtains financial risks data to be analyzed according to data cleansing is carried out.
4. method according to any one of claims 1 to 3, which is characterized in that internet of things equipment data and described
After finance data is stored and pre-processed, the method further includes：
Based on the device diagnostic model built in advance, according to pretreated internet of things equipment data to the internet of things equipment
Health status is diagnosed, and the Gernral Check-up result of the internet of things equipment is generated；And
Based on the device predicted model built in advance, according to pretreated internet of things equipment data to the internet of things equipment
Health status is predicted, the health forecast parameter of the internet of things equipment is generated；
The health forecast parameter is compared with pre-set health parameters threshold value, if the health forecast parameter is more than
The health parameters threshold value then generates corresponding warning information according to the health forecast parameter；
Issue the warning information so that the credit enterprise and the financial institution made according to the warning information it is respective
Adjusted Option.
5. according to the method described in claim 1, it is characterized in that, it is described obtain financial risks data to be analyzed after,
The method further includes：
The financial risks data that pre-set data were beaten in the period of version are obtained, the financial risks data are carried out
Version flag, and store into edition data library；
Receive the versions of data inquiry request that the financial institution sends；Wherein, it is carried in the versions of data inquiry request
The data beat the period of version；
The edition data library is inquired, the period of version corresponding financial risks data will be beaten with the data and are sent to institute
State financial institution.
6. according to the method described in claim 1, it is characterized in that, it is described obtain risk analysis result after, further include：
The risk analysis is issued as a result, so that the financial institution refers to according to the corresponding control of risk analysis result generation
It enables；
The control instruction that the financial institution returns is received, the internet of things equipment is carried out according to the control instruction remote
Process control.
7. according to the method described in claim 1, it is characterized in that, described to the internet of things equipment data and the finance
Data are pre-processed, and after obtaining financial risks data to be analyzed, the method further includes：
Obtain the financial risks data of each credit enterprise of the same trade；
Equipment warp is carried out to the financial risks data based on the business connection collection of illustrative plates and industry specialists knowledge mapping built in advance
Status analysis is sought, the equipment management state of each credit enterprise is carried out based on the market conditions analysis model built in advance
Count ranking.
8. according to the method described in claim 1, it is characterized in that, the method further includes：
Off-line training or financial flow data operation are carried out to the financial risks model library based on the financial risks data, with
The financial risks model library is updated.
9. a kind of financial risks on-line monitoring device, which is characterized in that including：
Acquisition module, the internet of things equipment data for obtaining credit enterprise and finance data；
Processing module obtains waiting for point for the internet of things equipment data and the finance data to be stored and pre-processed
The financial risks data of analysis；
Analysis module, for carrying out risk analysis to the financial risks data based on pre-set financial risks model library,
Obtain risk analysis result.
10. device according to claim 9, which is characterized in that the acquisition module includes：Operating condition data acquisition list
Member and finance data acquiring unit, wherein
The operating condition data capture unit is used to receive the sensing data of the internet of things equipment；Wherein, the sensing
Device data include equipment operating condition data and GPS data；
The finance data acquiring unit is used to obtain the search access right to the credit enterprise, according to the search access right to institute
The enterprises system for stating credit enterprise is inquired, and the credit finance data stored in the enterprises system is obtained；With
And obtain the financial related data of the credit enterprise disclosed in internet.
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