CN114493851A - Risk processing method and device - Google Patents
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- CN114493851A CN114493851A CN202210143385.1A CN202210143385A CN114493851A CN 114493851 A CN114493851 A CN 114493851A CN 202210143385 A CN202210143385 A CN 202210143385A CN 114493851 A CN114493851 A CN 114493851A
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Abstract
The invention provides a risk processing method and a device, which can be applied to the financial field or other fields, and the method comprises the following steps: responding to a risk processing instruction, and determining an initial risk classification and a task pushing rule of a risk subject to be processed; sending a management task corresponding to a risk subject to a target risk management object corresponding to the risk subject according to a task pushing rule and the initial risk classification, so that the target risk management object feeds back first risk data of the risk subject based on the management task; determining risk characteristics of the risk subject according to first risk data fed back by the target risk management object and second risk data acquired in advance; determining a target risk classification for the risk subject based on the risk profile of the risk subject; and determining a risk management strategy corresponding to the target risk grade, and outputting the risk management strategy. The risk condition of the user can be accurately evaluated, and therefore the risk management strategy can be rapidly and accurately output.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a risk processing method and apparatus.
Background
In the process of financial transaction, such as loan transaction, the financial institution usually needs to manage the risk of the user after the user makes a loan to avoid loss.
However, in the existing risk management method, post management personnel usually checks the relevant information, specifically, manually logs in a website of a relevant organization for query or home check, and then performs post management work by itself and establishes a risk management policy according to experience. By adopting the existing mode, the risk condition of the user cannot be accurately evaluated, so that the risk management strategy is inaccurately customized, and the customization efficiency of the risk management strategy is low.
Disclosure of Invention
The invention aims to solve the technical problem of providing a risk processing method which can accurately evaluate the risk condition of a user so as to quickly and accurately output a risk management strategy.
The invention also provides a risk processing device for ensuring the realization and the application of the method in practice.
A risk processing method, comprising:
responding to a risk processing instruction, and determining an initial risk classification and a task pushing rule of a risk subject to be processed;
sending a management task corresponding to the risk subject to a target risk management object corresponding to the risk subject according to the task pushing rule and the initial risk classification, so that the target risk management object feeds back first risk data of the risk subject based on the management task;
determining risk characteristics of the risk subject according to first risk data fed back by the target risk management object and second risk data acquired in advance;
determining a target risk classification for the risk subject based on the risk profile of the risk subject;
and determining a risk management strategy corresponding to the target risk grade, and outputting the risk management strategy.
Optionally, the sending, according to the task pushing rule and the initial risk classification, the management task corresponding to the risk subject to a preset target risk management object includes:
matching the initial risk classification of the risk subject with the task pushing rule to determine a target risk management object of the risk subject;
generating task data of the risk subject according to the initial risk classification; generating a management task of the risk subject based on the task data;
and sending the management task to the target risk management object.
Optionally, the method for determining the risk characteristics of the risk subject according to the first risk data fed back by the target risk management subject and the second risk data collected in advance includes:
acquiring a preset risk configuration rule;
matching the first risk data and the second risk data with the risk configuration rule respectively to obtain index values of each risk index item of the risk subject;
and the index value of each risk index item forms the risk characteristic of the risk subject.
The method described above, optionally, the determining a target risk classification of the risk subject based on the risk characteristics of the risk subject, includes:
matching the risk characteristics of the risk subject with a preset risk threshold to obtain a matching result;
and determining the risk grade corresponding to the matching result as the target risk grade of the risk subject.
Optionally, the method for determining the risk management policy corresponding to the target risk classification includes:
acquiring a preset strategy configuration table;
and matching the target risk classification with the strategy configuration table to determine a risk management strategy corresponding to the target risk classification.
A risk processing apparatus, comprising:
the first determining unit is used for responding to the risk processing instruction and determining the initial risk classification and the task pushing rule of the risk subject to be processed;
a sending unit, configured to send a management task corresponding to the risk subject to a target risk management object corresponding to the risk subject according to the task pushing rule and the initial risk classification, so that the target risk management object feeds back first risk data of the risk subject based on the management task;
the second determining unit is used for determining the risk characteristics of the risk subject according to the first risk data fed back by the target risk management object and the second risk data acquired in advance;
a third determination unit for determining a target risk classification of the risk subject based on the risk characteristics of the risk subject;
and the fourth determining unit is used for determining the risk management strategy corresponding to the target risk classification and outputting the risk management strategy.
The above apparatus, optionally, the sending unit includes:
the first matching subunit is used for matching the initial risk classification of the risk subject with the task pushing rule so as to determine a target risk management object of the risk subject;
the generating subunit is used for generating task data of the risk subject according to the initial risk classification; generating a management task of the risk subject based on the task data;
and the sending subunit is used for sending the management task to the target risk management object.
The above apparatus, optionally, the second determining unit includes:
the first acquiring subunit is used for acquiring a preset risk configuration rule;
and the execution subunit is used for calculating the first risk data and the second risk data according to the risk configuration rule and the risk characteristics of the risk subject.
The above apparatus, optionally, the third determining unit includes:
the second matching subunit is used for matching the risk characteristics of the risk subject with a preset risk threshold value to obtain a matching result;
and the determining subunit is used for determining the risk classification corresponding to the matching result as the target risk classification of the risk subject.
The above apparatus, optionally, the fourth determining unit includes:
the second obtaining subunit is used for obtaining a preset strategy configuration table;
and the third matching subunit is used for matching the target risk classification with the policy configuration table to determine a risk management policy corresponding to the target risk classification.
Based on the risk processing method and the risk processing device provided by the embodiment of the invention, the method comprises the following steps: responding to a risk processing instruction, and determining an initial risk classification and a task pushing rule of a risk subject to be processed; sending a management task corresponding to the risk subject to a target risk management object corresponding to the risk subject according to the task pushing rule and the initial risk classification, so that the target risk management object feeds back first risk data of the risk subject based on the management task; determining risk characteristics of the risk subject according to first risk data fed back by the target risk management object and second risk data acquired in advance; determining a target risk classification for the risk subject based on the risk profile of the risk subject; and determining a risk management strategy corresponding to the target risk grade, and outputting the risk management strategy. By applying the method provided by the embodiment of the invention, the risk condition of the user can be accurately evaluated, so that the risk management strategy can be quickly and accurately output.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flow chart of a method of risk management according to the present invention;
FIG. 2 is a flowchart of a process for sending a management task corresponding to a risk subject to a target risk management object corresponding to the risk subject according to the present invention;
FIG. 3 is a flowchart of a process for determining a risk management policy corresponding to a target risk classification according to the present invention;
FIG. 4 is a flow chart of a process for risk event identification provided by the present invention;
FIG. 5 is a flow chart of a process for creating post-event management tasks according to a task push engine provided by the present invention;
FIG. 6 is a flowchart of a method of another risk processing method provided by the present invention;
fig. 7 is a schematic structural diagram of a risk processing apparatus according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The embodiment of the invention provides a risk processing method, which can be applied to electronic equipment, wherein a method flow chart of the method is shown in fig. 1, and the method specifically comprises the following steps:
s101: and responding to the risk processing instruction, and determining the initial risk classification of the risk subject to be processed and the task pushing rule.
In this embodiment, the initial risk classification may be determined according to basic information such as financial indexes of the risk subject, and the task pushing rule includes a correspondence between the initial risk classification and each preset risk management object. The risk subject may be a project or customer in the renewal of a particular transaction, for example, a project or customer in the renewal of a loan transaction.
Optionally, the risk management object may be a person who performs business after-management, that is, a person who manages the risk of the risk subject during the renewal of the business, and the business after-management may be an activity that a financial institution performs changes including collecting customers, guarantees, and the like after financial businesses such as loan issuance occur and before the principal is withdrawn and the whole process is completed, analyzes the influence of each item on the financial businesses, and finds and resolves the risk in time.
S102: and sending a management task corresponding to the risk subject to a target risk management object corresponding to the risk subject according to the task pushing rule and the initial risk classification, so that the target risk management object feeds back first risk data of the risk subject based on the management task.
In this embodiment, the management task is configured to instruct the target risk management object to perform risk identification on the risk subject according to a preset standard risk checkpoint and a risk knowledge base, so as to obtain first risk data of the risk subject. The risk checkpoint may include one or more of the balance of the loans, transaction records, assets, and warranties of the risk subject.
S103: and determining the risk characteristics of the risk subject according to the first risk data fed back by the target risk management object and the second risk data acquired in advance.
In this embodiment, the second risk management data may be obtained by performing a standardization process on external risk data, and the external risk data may be risk data associated with a risk subject, for example, risk data of a customer having a transaction relationship or a personal relationship with the risk subject.
S104: determining a target risk classification for the risk subject based on the risk profile of the risk subject.
In this embodiment, the risk profile may include index values of a plurality of index items.
In some embodiments, the index value of each index item may be compared with the index item threshold corresponding to the index item to obtain each comparison result, and the target risk classification of the risk subject may be determined according to each comparison result.
S105: and determining a risk management strategy corresponding to the target risk grade, and outputting the risk management strategy.
In this embodiment, different target risk classifications correspond to different risk management policies, and after determining the risk management policies corresponding to the target risk classifications, the manner of outputting the risk management policies is as follows: and displaying the risk management strategy on a preset display interface, or sending the risk management strategy to a target risk management object.
By applying the method provided by the embodiment of the invention, the risk condition of the user can be accurately evaluated, so that the risk management strategy can be quickly and accurately output.
In an embodiment provided by the present invention, based on the implementation process, optionally, the sending the management task corresponding to the risk subject to the target risk management object corresponding to the risk subject according to the task pushing rule and the initial risk classification includes, as shown in fig. 2:
s201: and matching the initial risk classification of the risk subject with the task pushing rule to determine a target risk management object of the risk subject.
In this embodiment, the task pushing rule includes a correspondence between each initial risk classification and each risk management object.
Optionally, the initial risk classification of the risk subject is matched with the task pushing rule, so as to determine a risk management object corresponding to the initial risk classification, and determine a target risk management object of the risk subject from the risk management object.
S202: generating task data of the risk subject according to the initial risk classification; and generating a management task for the risk subject based on the task data.
In this embodiment, the task data may be task items to be checked, the number of the task data may be one or more, and the management task of the risk subject may be generated according to all task data of the risk subject.
S203: and sending the management task to the target risk management object.
In this embodiment, the management task is sent to the target risk management object, so that the target risk management object executes each task data in the management task, and the execution result of each task data is standardized to obtain the first risk data of the risk subject.
In an embodiment provided by the present invention, based on the implementation process, optionally, a feasible way of determining the risk characteristics of the risk subject according to the first risk data fed back by the target risk management subject and the second risk data collected in advance is as follows:
acquiring a preset risk configuration rule;
and calculating the first risk data and the second risk data according to the risk configuration rule to obtain the risk characteristics of the risk subject.
In this embodiment, a feasible way of obtaining the risk characteristics of the risk subject by calculating the first risk data and the second risk data according to the risk configuration rule is as follows: determining a calculation mode of each risk index item of the risk subject according to the risk configuration rule; calculating the first risk data and the second risk data according to the calculation mode of each risk index item to obtain the index value of each risk index item of the risk subject; and the index value of each risk index item forms the risk characteristic of the risk subject.
Accordingly, the determining a target risk classification for the risk subject based on the risk profile of the risk subject includes: matching the index values of the risk index items of the risk characteristics of the risk subject with the risk threshold values of the index items respectively to obtain the matching results of the index items; and determining the target risk classification corresponding to the risk subject according to the matching result of each index item.
Optionally, another feasible way of obtaining the risk characteristics of the risk subject by calculating the first risk data and the second risk data according to the risk configuration rule is as follows: determining a first weight value of the first risk data and a second weight value of the second risk data according to a preset risk configuration rule; and according to the first weight value and the second weight value, carrying out weighted summation on the first risk data and the second risk data to obtain the risk characteristics of the risk subject.
Accordingly, the determining a target risk classification for the risk subject based on the risk profile of the risk subject includes:
matching the risk characteristics of the risk subject with a preset risk threshold to obtain a matching result;
and determining the risk grade corresponding to the matching result as the target risk grade of the risk subject.
In this embodiment, the matching result may indicate a risk interval where the risk feature is located, different risk intervals have different risk classifications, and the risk classification corresponding to the risk interval where the risk feature is located is determined as the target risk classification of the risk subject.
In an embodiment provided by the present invention, based on the implementation process, optionally, the determining a risk management policy corresponding to the target risk classification specifically includes, as shown in fig. 3:
s301: and acquiring a preset strategy configuration table.
In this embodiment, the policy configuration table includes risk management policies corresponding to different target risk classifications.
S302: and matching the target risk classification with the strategy configuration table to determine a risk management strategy corresponding to the target risk classification.
In this embodiment, matching the target risk classification of the risk subject with the policy configuration table may determine a risk management policy corresponding to the target risk classification, where the risk management policy may include risk management action description information for the risk subject, for example, including one or more of "clearing" and "maintaining".
In some embodiments, the risk event can be identified first, then the post-event management task is generated according to a task pushing engine, the post-event management task is pushed to post-event management personnel, the client classification is calculated according to the risk characteristics, and post-event management strategy suggestions are provided;
as shown in fig. 4, which is a flowchart of a risk event identification process provided in an embodiment of the present invention, external risk event related data may be specifically processed into a risk indicator item according to a rule; firstly, common rules need to be configured, risk indexes are calculated through a calculation formula, and then the risk indexes are compared with configured threshold values, if the threshold values are reached, the risk main body is indicated to have response risks, and the identification of risk events is completed.
As shown in fig. 5, for the process of creating the post-management task according to the task pushing engine provided by the embodiment of the present invention, the task pushing engine includes a task dispatching rule management and workflow engine, and first pushes the post-management task to the post-management staff according to the risk classification and the task pushing rule. Firstly, after-management task data are generated in a batch mode according to the classification of risk subjects and are sent to an after-management task workflow engine, the workflow engine captures task data to be pushed in a timing polling mode, a corresponding task method is called to create an after-management task, and the task is sent to an after-management worker.
And calculating the client grading according to the risk characteristics and providing post-management strategy suggestions. New ranking and post-management policy recommendations are mapped out according to risk features found in external data identification and post-management tasks, as shown in table 1:
TABLE 1
The embodiment of the invention also provides a risk processing system which comprises a post-processing module, a risk acquisition module, a task management module and a risk analysis module. The post-processing module is mainly responsible for providing the processing function of the post-management task of the risk, and post-managers can qualitatively and quantitatively judge the risk condition of the risk subject in a mode of processing the post-task and provide material support for risk analysis. The risk collection module is mainly responsible for collecting typical and open risk related information on the market and collecting the information as the characteristics of the emergency of the risk and the risk subject to be reflected in the post management task. And the task management module is responsible for managing tasks after events according to the classification periodicity of the risk main bodies and updating the classification of the risk main bodies periodically. The risk analysis module is mainly responsible for calculating quantifiable risk characteristic indexes through classification, quantification and summarization according to the results of post-management task processing and sudden risk events, analyzing the characteristics generated by post-processing aiming at the risk subject according to set rules, calculating new grades of the risk subject and giving out strategy suggestions for post-management. Based on the risk processing system, as shown in fig. 6, a method flowchart of another risk processing method provided in the embodiment of the present invention is provided, where the method specifically includes: determining initial grading according to basic conditions such as financial indexes of risk subjects; configuring a grading rule and a post-event task pushing rule of a risk subject in a task management module; the task management module dispatches post-management tasks according to the configured rules and the classification rules of the risk subject; the post-processing module is used for processing post-tasks sent by post-managers according to the sent post-tasks, and obtaining risk conditions according to processing results; the post-processing module characterizes the processing condition as a risk event; a risk acquisition module configures a risk identification rule; the risk acquisition module collects external risk data and processes the external risk data into an external risk event through an identification rule; the risk events summarized by the risk acquisition module and the post-processing module are classified into the characteristics of risks; and the risk analysis module gives the grading and post-management strategy suggestions of the risk subjects according to the rules and the risk characteristics of the risk subjects.
Corresponding to the method described in fig. 1, an embodiment of the present invention further provides a risk processing apparatus, which is used for specifically implementing the method in fig. 1, where the risk processing apparatus provided in the embodiment of the present invention may be applied to an electronic device, and a schematic structural diagram of the risk processing apparatus is shown in fig. 7, and specifically includes:
a first determining unit 701, configured to determine, in response to a risk processing instruction, an initial risk classification and a task pushing rule of a risk subject to be processed;
a sending unit 702, configured to send a management task corresponding to the risk subject to a target risk management object corresponding to the risk subject according to the task pushing rule and the initial risk classification, so that the target risk management object feeds back first risk data of the risk subject based on the management task;
a second determining unit 703, configured to determine a risk characteristic of the risk subject according to the first risk data fed back by the target risk management object and second risk data acquired in advance;
a third determining unit 704 for determining a target risk classification of the risk subject based on the risk characteristics of the risk subject;
a fourth determining unit 705, configured to determine a risk management policy corresponding to the target risk classification, and output the risk management policy.
In an embodiment provided in the present invention, based on the above scheme, optionally, the sending unit 702 includes:
the first matching subunit is used for matching the initial risk classification of the risk subject with the task pushing rule so as to determine a target risk management object of the risk subject;
the generating subunit is used for generating task data of the risk subject according to the initial risk classification; generating a management task of the risk subject based on the task data;
and the sending subunit is used for sending the management task to the target risk management object.
In an embodiment provided by the present invention, based on the above scheme, optionally, the second determining unit 703 includes:
the first acquiring subunit is used for acquiring a preset risk configuration rule;
and the execution subunit is used for calculating the first risk data and the second risk data according to the risk configuration rule and the risk characteristics of the risk subject.
In an embodiment provided by the present invention, based on the above scheme, optionally, the third determining unit 704 includes:
the second matching subunit is used for matching the risk characteristics of the risk subject with a preset risk threshold value to obtain a matching result;
and the determining subunit is used for determining the risk classification corresponding to the matching result as the target risk classification of the risk subject.
In an embodiment provided by the present invention, based on the above scheme, optionally, the fourth determining unit 705 includes:
the second obtaining subunit is used for obtaining a preset strategy configuration table;
and the third matching subunit is used for matching the target risk classification with the policy configuration table to determine a risk management policy corresponding to the target risk classification.
The specific principle and the execution process of each unit and each module in the risk processing device disclosed in the embodiment of the present invention are the same as those of the risk processing method disclosed in the embodiment of the present invention, and reference may be made to corresponding parts in the risk processing method provided in the embodiment of the present invention, which are not described herein again.
It should be noted that the risk processing method and apparatus provided by the invention can be used in the fields of artificial intelligence, block chaining, distribution, cloud computing, big data, internet of things, mobile internet, network security, chip, virtual reality, augmented reality, holography, quantum computing, quantum communication, quantum measurement, digital twinning, and finance. The above description is only an example, and does not limit the application field of the risk processing method and apparatus provided by the present invention.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in a plurality of software and/or hardware when implementing the invention.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The risk processing method provided by the present invention is described in detail above, and the principle and the implementation of the present invention are explained in the present document by applying specific examples, and the description of the above examples is only used to help understanding the method and the core idea of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. A risk processing method, comprising:
responding to a risk processing instruction, and determining an initial risk classification and a task pushing rule of a risk subject to be processed;
sending a management task corresponding to the risk subject to a target risk management object corresponding to the risk subject according to the task pushing rule and the initial risk classification, so that the target risk management object feeds back first risk data of the risk subject based on the management task;
determining risk characteristics of the risk subject according to first risk data fed back by the target risk management object and second risk data acquired in advance;
determining a target risk stratification for the risk subject based on the risk characteristics of the risk subject;
and determining a risk management strategy corresponding to the target risk grade, and outputting the risk management strategy.
2. The method according to claim 1, wherein the sending the management task corresponding to the risk subject to a preset target risk management object according to the task pushing rule and the initial risk classification comprises:
matching the initial risk classification of the risk subject with the task pushing rule to determine a target risk management object of the risk subject;
generating task data of the risk subject according to the initial risk classification; generating a management task of the risk subject based on the task data;
and sending the management task to the target risk management object.
3. The method of claim 1, wherein determining the risk profile of the risk subject according to the first risk data fed back by the target risk management subject and the second risk data collected in advance comprises:
acquiring a preset risk configuration rule;
and calculating the first risk data and the second risk data according to the risk configuration rule, wherein the risk characteristics of the risk subject are obtained.
4. The method of claim 1, wherein determining the target risk classification for the risk subject based on the risk profile of the risk subject comprises:
matching the risk characteristics of the risk subject with a preset risk threshold to obtain a matching result;
and determining the risk grade corresponding to the matching result as the target risk grade of the risk subject.
5. The method of claim 1, wherein determining the risk management policy corresponding to the target risk classification comprises:
acquiring a preset strategy configuration table;
and matching the target risk classification with the strategy configuration table to determine a risk management strategy corresponding to the target risk classification.
6. A risk processing apparatus, comprising:
the first determining unit is used for responding to the risk processing instruction and determining the initial risk classification and the task pushing rule of the risk subject to be processed;
a sending unit, configured to send a management task corresponding to the risk subject to a target risk management object corresponding to the risk subject according to the task pushing rule and the initial risk classification, so that the target risk management object feeds back first risk data of the risk subject based on the management task;
the second determining unit is used for determining the risk characteristics of the risk subject according to the first risk data fed back by the target risk management object and the second risk data acquired in advance;
a third determination unit for determining a target risk classification of the risk subject based on the risk characteristics of the risk subject;
and the fourth determining unit is used for determining the risk management strategy corresponding to the target risk classification and outputting the risk management strategy.
7. The apparatus of claim 6, wherein the sending unit comprises:
the first matching subunit is used for matching the initial risk classification of the risk subject with the task pushing rule so as to determine a target risk management object of the risk subject;
the generating subunit is used for generating task data of the risk subject according to the initial risk classification; generating a management task of the risk subject based on the task data;
and the sending subunit is used for sending the management task to the target risk management object.
8. The apparatus of claim 6, wherein the second determining unit comprises:
the first acquiring subunit is used for acquiring a preset risk configuration rule;
and the execution subunit is used for calculating the first risk data and the second risk data according to the risk configuration rule and the risk characteristics of the risk subject.
9. The apparatus of claim 6, wherein the third determining unit comprises:
the second matching subunit is used for matching the risk characteristics of the risk subject with a preset risk threshold value to obtain a matching result;
and the determining subunit is used for determining the risk classification corresponding to the matching result as the target risk classification of the risk subject.
10. The apparatus of claim 6, wherein the fourth determining unit comprises:
the second obtaining subunit is used for obtaining a preset strategy configuration table;
and the third matching subunit is used for matching the target risk classification with the policy configuration table to determine a risk management policy corresponding to the target risk classification.
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115578007A (en) * | 2022-10-12 | 2023-01-06 | 南京数聚科技有限公司 | Method and system for integrating calculation of points and task in tax industry |
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