CN117172889A - Time period-based leasing channel risk assessment method, device, equipment and medium - Google Patents
Time period-based leasing channel risk assessment method, device, equipment and medium Download PDFInfo
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Abstract
The application relates to the field of financial science and technology, and discloses a time-period-based risk assessment method for a car rental channel, which comprises the following steps: in the contracts of each leasing channel, obtaining outstanding contracts of the leasing time in a first preset historical period; selecting a travel to be evaluated from the travel corresponding to the unclean contract; if the travel time period corresponding to the travel to be evaluated is within the preset low risk time period, determining that the travel to be evaluated is a low risk travel; judging whether the outstanding contracts are risk contracts or not according to the number of low-risk strokes corresponding to each outstanding contract; judging whether the lease channel is a risk channel or not according to the number of risk contracts corresponding to the lease channel. The method of the application utilizes the contract generated in real time in the operation process of each channel and the time period of the travel in the contract to carry out risk assessment, thereby solving the problem of information lag existing in the prior channel risk assessment method.
Description
Technical Field
The application relates to the field of financial science and technology, in particular to a time-period-based risk assessment method, device, equipment and medium for a car rental channel.
Background
Channels are the primary way for car finance leasing companies to obtain the source of renting customers, such as brand authorized stores, secondary sales networks, off-line service entity stores, 4S stores, etc. With the diversification development of financial services, at present, channel management and control has no unified standard, and various related subjects maliciously cheat an automobile financial loan layer through improper means (such as counterfeiting identity or providing false information and the like), so that certain risks exist for automobile financial business. Therefore, timely, efficient and accurate identification of risk channels is particularly important to car finance leasing companies.
At present, a car finance leasing company mainly carries out channel management and control through the modes of checking channel qualification materials, on-site adjustment, limit management and control and the like, and the information is relatively lagged and a great deal of labor cost is required. In order to solve the problem, the prior art schemes such as 202011645436.8 propose a method for establishing a plurality of evaluation indexes and grading to perform risk investigation on channels, however, the method has large operation amount, is mainly used for evaluating qualification, is not comprehensive enough, and still cannot solve the problem of information lag due to poor real-time property of qualification materials.
Disclosure of Invention
In view of the above, the application provides a risk assessment method, a device, a medium and equipment for a time-period-based car rental channel, which utilize contracts generated in real time in the operation process of each channel and time periods where the journey in the contracts is located to carry out risk assessment, and solve the problem of information lag existing in the conventional channel risk assessment method.
In a first aspect of the present application, there is provided a method for risk assessment of a time-period-based car rental channel, the method comprising:
in the contracts of each lease channel, obtaining an outstanding contract of lease time in a first preset history period, and selecting a journey to be evaluated from the journey corresponding to the outstanding contract;
if the travel time period corresponding to the travel to be evaluated is within a preset low risk time period, determining that the travel to be evaluated is a low risk travel;
judging whether each unclean contract is a risk contract or not according to the number of low-risk strokes corresponding to the unclean contract;
and judging whether the lease channel is a risk channel or not according to the number of the risk contracts corresponding to the lease channel.
In a second aspect of the present application, there is provided a risk assessment apparatus for a car rental channel, the apparatus comprising:
The data reading module is used for acquiring an outstanding contract of the renting time in a first preset history period from the contracts of each renting channel;
the judging module is used for selecting a travel to be evaluated from the travel corresponding to the unclean contract; and if the travel time period corresponding to the travel to be evaluated is within a preset low risk time period, determining that the travel to be evaluated is a low risk travel; judging whether each unclean contract is a risk contract or not according to the number of low-risk strokes corresponding to the unclean contract; and judging whether the leasing channel is a risk channel according to the number of the risk contracts corresponding to the leasing channel.
In a third aspect of the present application, there is provided an apparatus comprising a storage medium, a processor and instructions or code stored on the storage medium and executable on the processor, the processor implementing the above-described time-period-based risk assessment method for a car rental channel when executing the instructions or code.
In a fourth aspect of the present application, there is provided a medium having stored thereon instructions or code which, when executed by a processor, implement the above-described time-period-based risk assessment method for a car rental channel.
According to the method, the device, the equipment and the medium for risk assessment of the car rental channels, whether the rental channels have risks or not is judged through comparison of parameters such as the quantity of outstanding contracts of each rental channel, the corresponding journey time period and journey quantity of each outstanding contract and preset channel risk rules, if the renting channels have risks, risk early warning information is generated and the risk channels are pushed to a wind control department, and the wind control part can take corresponding management and control measures based on the risk channels. The method for automatically judging the risk of the leasing channel is adopted, and manual evaluation is not needed, so that the problem of high labor cost in the channel management and control process of the automobile financial leasing company is solved, and the risk evaluation efficiency is improved. In addition, the scheme analyzes the data such as the contracts generated in the actual operation process of the leasing channel and the states of each contract in the performance process, and the state data has real-time property and representativeness compared with the data such as channel qualification, so that the hysteresis problem of channel risk assessment can be solved, and the accuracy of the risk assessment is effectively improved.
The foregoing description is only an overview of the present application, and is intended to be implemented in accordance with the teachings of the present application in order that the same may be more clearly understood and to make the same and other objects, features and advantages of the present application more readily apparent.
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In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the description of the embodiments of the present application will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 shows a flow diagram of a risk assessment method for a car rental channel based on a period of time, which is provided by an embodiment of the application;
FIG. 2 is a schematic flow chart of another risk assessment method for a time-based car rental channel according to an embodiment of the present application;
FIG. 3 is a schematic flow chart of another risk assessment method for a time-based car rental channel according to an embodiment of the present application;
FIG. 4 is a block diagram of a risk assessment device for a time-based car rental channel according to an embodiment of the present application;
fig. 5 is a block diagram of an electronic device according to an embodiment of the present application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
The risk assessment method for the car rental channel provided by the embodiment of the application can be applied to the electronic equipment with the instruction or program running capability. The electronic device may be, but is not limited to, various servers, workstations, personal computers, notebook computers, and the like. Running on different computing devices is merely a difference in the implementation subject, and those skilled in the art will envision that running on different computing devices can produce the same technical effect. The present application will be described in detail with reference to specific examples.
Referring to fig. 1, fig. 1 is a schematic flow chart of a risk assessment method for a time-based car rental channel according to an embodiment of the present application, which includes the following steps:
s101: in the contracts of each lease channel, an outstanding contract of lease time in a first preset history period is obtained, and a journey to be evaluated is selected from the journeys corresponding to the outstanding contract.
The method provided by the application can be used for risk assessment of the car rental channels, in particular, the rental companies can face various risks from the rental channels in the operation process, for example, some rental channels can attract bad clients, including clients with bad credit records, frequent violations or maliciously damaged vehicles, and the like; the driving behavior and driving habit of customers of different leasing channels may be different, and the users of certain channels may have high risk driving behavior such as overspeed, violation or drunk driving; some rental channels may place pressure on the supply and demand of vehicles and equipment, and if under-supplied, may limit the rental company's business growth. On the other hand, the reduced demand may lead to idle vehicles and equipment, affect revenues for rental companies, etc.
Based on the risk assessment, risk early warning information is generated for each car rental channel and pushed to a risk control department, and the risk control department can adjust asset management and control measures based on the risk early warning information.
In a specific risk assessment process, this step refers to contract performance status of each rental channel, unlike the conventional method of considering only channel qualification. It will be appreciated that the closer to the current time the data is representative, and therefore, for each rental channel, the contracts whose time of rental is within a first predetermined history period, which refers to a period of time prior to the current time, e.g., the contracts whose time of rental is most recently generated within ten days, can be screened out of all contracts for that channel.
Where an outstanding contract refers to a contract in which the renting parties have not fully satisfied all of the contract terms and conditions, specifically may include outstanding rentals, outstanding vehicles, outstanding fines or damage reimbursements, outstanding vehicle maintenance, and the like. Since the uncombination is generated recently, the method is closer to the current state of the channel to be evaluated.
In this step, since the contract performance status of each channel is dynamically changed with time, the evaluation result obtained by selecting a recent trip for risk evaluation more reflects the current status of the rental channel. For example, a trip generated in approximately five days is selected as a trip to be evaluated for subsequent risk assessment operations. In the specific evaluation process, if the quantity of outstanding contracts in a certain lease channel is not large, the risk of the lease channel is considered to be small, so that the journey of the lease channel is not evaluated; if the number of outstanding contracts in a certain lease channel is large, the lease channel may be considered to cause operation risk, and therefore the route of the lease channel is evaluated. In the specific evaluation process, since the contract which has paid the rent and returned the vehicle is the same in the lease channel, the cash flow, the asset utilization rate and the like of the vehicle lease company are not influenced, and the vehicle lease company is not negatively influenced, so that only the journey corresponding to the contract which has not been cleared in the lease channel can be evaluated.
It will be appreciated that, for each contract a customer makes, vehicles may be used multiple times during the contracted rental period, resulting in multiple trips, and thus each outstanding contract may correspond to one or more trips to be evaluated.
S102: and if the travel time period corresponding to the travel to be evaluated is within the preset low risk time period, determining that the travel to be evaluated is a low risk travel.
In this step, the cars rented by the customer travel in different periods of time, which may have different effects on the car rental company. For example, if a customer rents a car with a smaller trip during the day, i.e., a longer idle time, the rental company's vehicle resources may not be fully utilized. This can lead to inefficient utilization of resources and potential revenue loss. In addition, the night trip may require additional personnel and resources to meet customer needs. For example, a vehicle rental company may increase the operating costs of the rental company by scheduling employees to work at night, handling vehicle delivery and return. Also, the night trip presents greater safety risks, particularly in some high risk areas, leading to increased accident rates.
In sum, the routes in different time periods are different in operation risk level brought by the vehicle leasing company, and the routes in the evening bring greater operation risk. Based on the above, when risk assessment is performed on the to-be-assessed journey which is not contracted, the journey period corresponding to each to-be-assessed journey can be comprehensively considered, and whether the to-be-assessed journey is a low risk journey is judged according to whether the journey period is in a preset low risk period. Specifically, the preset low risk period can be set according to historical experience and historical data analysis, and is a travel period with smaller operation risk, if the travel period corresponding to a certain travel to be evaluated is within the preset low risk period, the risk of the travel to be evaluated is considered to be smaller, so that the travel to be evaluated is considered to be a low risk travel; if the travel time period corresponding to a certain travel to be evaluated is not within the preset low risk time period, the risk of the travel to be evaluated is considered to be larger, so that the travel to be evaluated is judged to be a high risk travel.
In a specific judging process, whether the travel period is within the preset low risk period can be judged according to whether the travel period corresponding to the travel to be evaluated and the preset low risk period have an overlapping portion. For example, the start time and the end time of the travel period may be acquired, and a determination rule may be set as: if the starting time and the ending time are both in the preset low risk period, judging that the travel period is in the preset low risk period; the decision rule may also be set as: if at least one of the starting time and the ending time is within the preset low risk period, determining that the travel period is within the preset low risk period. In a specific application scenario, the decision rule may be flexibly set according to actual requirements to achieve balance between risk and benefit, for example, if a vehicle rental company prefers a conservative operation policy, the first decision rule may be set; if the vehicle rental company prefers aggressive operation strategies, the second decision rule may be set.
S103: and judging whether the outstanding contracts are risk contracts or not according to the number of low-risk strokes corresponding to each outstanding contract.
In this step, the fewer the low risk trips, the greater the risk of operation to the vehicle rental company is considered, so the risk assessment can be performed by using the number of low risk trips, and the trip with relatively fewer low risk trips is determined to be the low risk trip, and otherwise, the risk trip is determined to be the low risk trip.
S104: judging whether the lease channel is a risk channel or not according to the number of risk contracts corresponding to the lease channel.
In this step, the more risk contracts there are in the rental channels, the greater the risk of operation for the vehicle rental company, so that the risk of the rental channels can be evaluated by using the number of risk contracts, and the rental channels with relatively more risk contracts are determined as risk channels.
According to the embodiment, whether the leasing channel has risks is judged by comparing the quantity of the outstanding contracts of each leasing channel, the corresponding journey time period and journey quantity of each outstanding contract with preset channel risk rules, if the leasing channel has risks, risk early warning information is generated and the risk channels are pushed to a wind control department, and the wind control part can take corresponding control measures based on the risk channels. The method for automatically judging the risk of the leasing channel is adopted, and manual evaluation is not needed, so that the problem of high labor cost in the channel management and control process of the automobile financial leasing company is solved, and the risk evaluation efficiency is improved. In addition, the scheme analyzes the data such as the contracts generated in the actual operation process of the leasing channel and the states of each contract in the performance process, and the state data has real-time property and representativeness compared with the data such as channel qualification, so that the hysteresis problem of channel risk assessment can be solved, and the accuracy of the risk assessment is effectively improved.
Further, as a refinement and extension of the foregoing embodiment, in order to fully describe the implementation process of the embodiment, other methods for risk assessment of a time-slot-based car rental channel are provided, as shown in fig. 2, and another method for risk assessment of a time-slot-based car rental channel includes the following steps:
s201: acquiring historical lease data, wherein the historical lease data comprises vehicle data, historical trip data, historical default data and historical accident data; and determining a preset low risk period according to the historical lease data.
In this step, it is judged that the trip risk at those times is low based on the historical rental data, and this is set as a low risk period. Specifically, historical travel data, historical default data and historical accident data are comprehensively analyzed, travel with fewer violations and fewer traffic accidents are obtained according to the generation time of each data, and the time periods in which the travel is concentrated are analyzed. For example, if the traffic accident is less happened in the journey between 8:00-20:00 according to the evaluation, the contract corresponding to the journey can be smoothly performed, and the default rate is low, the journey between 8:00-20:00 can be determined as the preset low risk period.
S202: and acquiring qualification information of each lease channel, and judging whether the lease channel is a admission channel according to the qualification information, wherein the qualification information comprises registration information, license information, contract information and financial information.
S203: if the lease channel is an access channel, generating an authorization file corresponding to the lease channel; if the lease channel is not the access channel, generating access refusal information and ending.
In steps S202-S203, before risk assessment is performed on the rental channel, qualification assessment may be performed first, and an authorization file may be generated for the rental channel through which the qualification assessment passes, thereby providing a vehicle rental service for the rental channel. The authorized leasing channel generates contract data in the operation process, so that the contract data can be acquired at intervals, and whether the leasing channel has risks or not is evaluated in real time by utilizing the quantity of the outstanding contracts and the journey in the outstanding contracts, so that timeliness of evaluation results is ensured, and a vehicle leasing company can adjust the management measure for the leasing channel according to the evaluation results, so that the operation risk is further reduced. And aiming at lease channels which are not passed by qualification evaluation, judging that the lease channels are not admitted, generating no authorization file, and providing no vehicle lease service for the lease channels so as to ensure the operation safety of a vehicle lease company.
S204: in the contracts of each leasing channel, obtaining outstanding contracts of the leasing time in a first preset historical period; and if the quantity of the outstanding contracts meets the preset contract quantity constraint, selecting a journey generated in a second preset history period from the journey corresponding to the outstanding contracts as a journey to be evaluated.
The starting time of the second preset historical period is later than the starting time of the first preset historical period, and the ending time of the second preset historical period and the ending time of the first preset historical period are both current times.
For example, an outstanding contract whose rental time is within the last ten days is acquired, and in the case where the number of outstanding contracts satisfies a preset contract number constraint, a trip of the last five days is selected as a trip to be evaluated from all trips corresponding to the outstanding contract.
Wherein, preset contract constraints include: the number of outstanding contracts is greater than a first preset number threshold and/or a ratio between the number of outstanding contracts and the total number of contracts generated by the rental channel during the first preset period is greater than a first preset ratio threshold.
In this step, it can be appreciated that the outstanding contract, because it has not fully fulfilled all contract terms, has a situation in which the lease has not been paid, possibly negatively affecting the cash flow of the vehicle rental company; further, since outstanding contracts generally involve rented vehicles not yet returned, if the number of outstanding contracts is large, the asset utilization of the vehicle rental company is reduced; and an increase in the number of outstanding contracts also means an increase in risk of violations, such as not returning the vehicle under contract, violating contract terms, or expiring unpaid rentals, etc.
In summary, the more outstanding contracts, the greater the operation risk of the vehicle rental company, based on which, when the risk assessment is performed on the rental channels of the vehicles, the number of outstanding contracts can be comprehensively considered, and whether to evaluate the corresponding itineraries is determined according to the number of outstanding contracts.
Based on the above, a first preset quantity threshold and/or a first preset proportion threshold can be preset, and a first preset constraint is formed by utilizing the preset threshold, so that rental channels with a large quantity of unclean contracts can be screened out. Specifically, if the number of outstanding contracts of a certain lease channel is greater than a first preset threshold, the lease channel is considered to have more outstanding contracts and a certain operation risk exists, so that contracts corresponding to the outstanding contracts are used as a to-be-evaluated journey and are further evaluated to judge whether the lease channel has a risk. In addition, considering that the large-scale leasing channel has a large number of leasing contracts, the number of outstanding contracts is relatively large, if the large-scale leasing channel adopts the same first preset number threshold value as the small-scale leasing channel, the evaluation error is likely to be increased, and the accuracy of risk evaluation is likely to be reduced. Based on the above, a ratio between the quantity of outstanding contracts of the leasing channel and the total quantity of contracts generated by the leasing channel in a first preset period is calculated by adopting a ratio calculation method, if the ratio is larger than a second preset ratio threshold, the outstanding contracts of the leasing channel can be considered to be more, a certain operation risk exists, and then a plurality of recently generated routes are selected from the outstanding contracts of the leasing channel to serve as routes to be evaluated, and further evaluation is performed. In an actual application scene, the first preset quantity threshold value and the first preset proportion threshold value can be combined, and only if two conditions that the quantity of outstanding contracts is larger than the first preset threshold value and the ratio is larger than the first preset proportion threshold value are met, the outstanding contracts of the renting channels are considered to be more.
S205: and if the travel time period corresponding to the travel to be evaluated is within the preset low risk time period, determining that the travel to be evaluated is a low risk travel.
S206: and if the number of the low-risk trips corresponding to the unclean contracts is smaller than a second preset number threshold value, and/or a second ratio between the number of the low-risk trips corresponding to the unclean contracts and the number of the trips to be evaluated is smaller than a second preset ratio threshold value, determining that the unclean contracts are risk contracts.
In this step, since the greater the number of low risk trips of one lease channel, the less the lease channel brings operational risk to the vehicle lease company, it is possible to determine whether the lease channel is a risk channel from the viewpoint of the number of low risk trips. Specifically, if the number of low risk trips is smaller than the second preset number threshold, the low risk trips of the leasing channel are considered to be fewer, and a certain operation risk exists, so that the leasing channel is judged to be a risk channel. In addition, a ratio calculation method may be adopted to calculate a ratio between the number of low-risk routes and the total amount of routes to be evaluated, and if the ratio is smaller than a second preset ratio threshold, the low-risk routes of the leasing channel may be considered to be fewer, and the leasing channel is determined to be a risk channel. In an actual application scenario, the second preset quantity threshold and the second preset proportion threshold may be combined to evaluate whether the rental channel is a risk channel.
If the certain lease channel is judged to be a risk channel, channel risk early warning information corresponding to the lease channel is generated and pushed to a risk management and control client, so that a risk management and control department takes corresponding management and control measures according to the channel risk early warning information. The channel risk early warning information may include risk channel name or id information, the number of contracts currently not cleared by the risk channel, the start time, end time, and travel route information of each travel, etc. According to the actual application scene, the channel risk early warning information can be pushed in various forms such as short messages, mails, popup windows and the like.
S207: determining the lease priority of the lease channel according to the risk contract number or the second ratio, wherein the lease priority is inversely related to the risk contract number or the second ratio; receiving lease requests of a plurality of lease channels, and determining the arrangement sequence of the lease requests according to the priority corresponding to the lease channels; and sequentially generating a lease order corresponding to each lease request according to the arrangement sequence.
In this step, in order to balance the supply-demand relationship of the vehicle resources, a reservation queuing mechanism may be introduced, and in the case of insufficient vehicle resources, orders are generated in a queuing order, and limited vehicle resources are leased in order. On this basis, a corresponding priority may be set for each rental channel, and specifically, the priority of the rental channel may be set according to the number of risk contracts or the ratio between the number of risk contracts and the total number of outstanding contracts for each rental channel, so that the channel priority is lower the higher the risk, and the channel priority is higher the lower the risk. When an order is generated, the generation time of the lease request and the priority of each channel are comprehensively measured, different weights are respectively given to the generation time and the priority, the final arrangement sequence is comprehensively evaluated, the lease request is sequentially processed according to the arrangement sequence, the corresponding lease order is generated, and corresponding lease service is provided.
FIG. 3 is a flow chart of another method for risk assessment of a time-based rental car channel according to the present application, as shown, comprising the steps of:
s1, obtaining the renting outstanding data of the channel from the renting account.
In this step, rental contract data of channels that are not currently clear within X days of rental is acquired through the rental standing account.
S2, acquiring journey data of the rented outstanding contracts.
In the step, according to the lease unclean contract information in the step S1, the contract number or contract ratio of the number of strokes of the contract strokes in the time period (H1-H2) of less than or equal to Z in the channel near Y days is obtained. The vehicle travel can be calculated by reporting data through the vehicle GPS equipment, the vehicle travel data comprise a frame number, travel start time, travel end time and the like, whether the travel is in the H1-H2 time period can be judged according to whether the travel start time (or the end time) is in the H1-H2 time period, and the contract travel number = sum of travel numbers of all vehicles under a contract.
S3, within X days of renting, channels are not combined, and the same amount is less than or equal to M.
In the step, according to the channel unconfirmed contract value obtained or calculated in the step S1, judging according to the rule that the channel unconfirmed contract value is less than or equal to M in X days of renting. If the rule judgment is satisfied, the method proceeds to S4, otherwise, the method proceeds to S5. If the threshold value of the renting days is set as 10 days and the quantity Y of the channel unconfirmed combination is 5, the rule judges that the quantity Y of the channel unconfirmed combination is less than or equal to 5 in 10 days of renting, if the quantity of the channel renting combination of S1 meets the rule, the step S4 is entered, otherwise, the step S5 is entered.
S4, the number of strokes of the channel in a time period (H1-H2) of which the strokes are not less than Z are equal to or more than N in the period of time when the contract is not clear in the near Y days.
In the step, channel risk judgment is carried out according to the value obtained or calculated in the step S2 and the judgment result in the step S3 and the risk rule that the number of strokes of the channel, which is less than or equal to Z and the quantity of the contract, is less than or equal to N in the period (H1-H2) when the strokes of the contract are not clear in the near Y days of the channel. If the risk rule judgment is satisfied, the method proceeds to S6, otherwise, the method proceeds to S7. If the threshold value of near Y days is set to be near 5 days, the time period (H1-H2) is [9:00:00-20:00:00], the number of strokes threshold Z in the time period is 2, the sum threshold value N meeting the above condition is 3 strokes, the risk rule is that the sum of strokes of the channel, which is not clear and is in [9:00:00-20:00:00] for the near 5 days, is less than or equal to 2 strokes and is greater than or equal to 3 strokes, if the channel data meets the rule, the step S6 is entered, and if the channel data does not meet the rule, the step S7 is entered.
S5, the contract proportion of Z strokes which are less than or equal to Z strokes in the time period (H1-H2) of which the strokes are not clear in the channel near Y days is more than or equal to P%.
In the step, channel risk judgment is carried out according to the value acquired or calculated in the step S2 and the judgment result in the step S3 and the risk rule that the number of strokes of the incomplete contract in the time period (H1-H2) within Y days of the channel is less than or equal to Z, and the contract occupation ratio is more than or equal to P% ". If the risk rule judgment is satisfied, the method proceeds to S6, otherwise, the method proceeds to S7. If the threshold value of near Y days is set to be near 5 days, the time period (H1-H2) is [9:00:00-20:00:00], the number of strokes threshold Z in the time period is 2, the contract occupation ratio threshold value P% meeting the above condition is 20%, the risk rule is that the contract occupation ratio of the strokes of the channel which is not clear and is in [9:00:00-20:00:00] for the near 5 days is less than or equal to 2, if the channel data meets the rule, the step S6 is entered, and if the channel data does not meet the rule, the step S7 is entered.
S6, the channel is a risk channel, channel risk early warning is generated, and the risk channel is pushed to a wind control department.
In the step, the risk of the channel is judged according to the risk rules of the steps S4 and S5, and corresponding channel risk early warning is generated and sent to the wind control department.
S7, the channel has no risk channel, and channel risk early warning is not generated.
In the step, the risk of the channel is judged to be free according to the risk rules of the steps S4 and S5, and risk early warning is not generated.
According to the embodiment, channel contract data which are rented in a preset time period range and are not yet cleared at present are obtained, recent contract travel data are obtained according to the uncleared contract data, a risk channel is judged by utilizing a preset risk early warning rule, channel risk early warning is generated, and risk channel early warning information is pushed to related departments. The wind control department can take corresponding control measures based on the risk channels. The technical scheme solves the problems of time lag and high labor cost in the channel management and control process of the automobile finance leasing company. In the specific judging process of the risk channel, the number of outstanding contracts in the rental channel obtaining time threshold range does not meet the first preset rental channel, and the time period of the journey of the outstanding contracts in the rental channel is considered, so that the parameters are comprehensively analyzed, and the risk channel is judged by comparing with the risk early warning rule.
It should be understood that the sequence number of each step in the foregoing embodiment does not mean that the execution sequence of each process should be determined by the function and the internal logic, and should not limit the implementation process of the embodiment of the present invention.
Therefore, the method and the system can comprehensively analyze the quantity of outstanding contracts, the driving mileage data and the vehicle duty ratio with less driving mileage of each leasing channel, compare the quantity of outstanding contracts, the driving mileage data and the vehicle duty ratio with preset early warning rules, judge the channel to be evaluated meeting the early warning rules as a risk channel, further generate risk channel early warning information and push the risk channel early warning information to a risk control department, so that the risk control department can perform asset management and control measures based on the risk channel early warning information. Compared with the traditional evaluation method only checking the qualification of the lease channel, the embodiment considers the contract data generated in the actual lease process and the journey data in the contract execution process, has stronger real-time property, solves the hysteresis problem of the traditional evaluation method, has stronger relevance with the vehicle lease compared with the broad qualification data, and has more pertinence, thereby further improving the accuracy of risk evaluation. On the basis, the scheme also sets different priorities, and sets corresponding priorities for each channel according to the travel of the outstanding contract. If the vehicle resources are insufficient, the order can be orderly generated according to the priority and the generation time of the lease requests, and the request with the front priority is preferentially ensured to be responded, so that the time of the lease request sent by the lease channel and the risk of the lease channel are comprehensively considered, the vehicle is preferentially leased to the client corresponding to the lease channel which sends the lease request earlier and has smaller risk, and the coordination planning of the vehicle resources is more facilitated on the basis of avoiding the operation risk as much as possible.
In the evaluation process, the risk level corresponding to each risk channel can be determined according to the specific value of the vehicle proportion with less driving mileage, and the corresponding leasing constraint is utilized to restrict the leasing order from the risk channel, so that the safety of leasing contracts is further improved, and the operation risk of a vehicle leasing company is reduced.
In one embodiment, a risk assessment device for a time-slot-based car rental channel is provided, where the risk assessment device for the time-slot-based car rental channel corresponds to the risk assessment method for the time-slot-based car rental channel in the foregoing embodiment one by one. As shown in fig. 4, the risk assessment device for a car rental channel includes: and the data reading module and the judging module. The functional modules are described in detail as follows:
the data reading module is used for acquiring an outstanding contract of the renting time in a first preset history period from the contracts of each renting channel;
the judging module is used for selecting a travel to be evaluated from the travel corresponding to the unclean contract; and if the travel time period corresponding to the travel to be evaluated is within the preset low risk time period, determining that the travel to be evaluated is a low risk travel; judging whether the outstanding contracts are risk contracts or not according to the number of low-risk strokes corresponding to each outstanding contract; and judging whether the leasing channel is a risk channel according to the number of the risk contracts corresponding to the leasing channel.
In one embodiment, the judging module is configured to:
if the quantity of the outstanding contracts meets the preset contract quantity constraint, selecting a stroke generated in a second preset history period from strokes corresponding to the outstanding contracts as a stroke to be evaluated;
the starting time of the second preset historical period is later than the starting time of the first preset historical period, and the ending time of the second preset historical period and the ending time of the first preset historical period are both current time;
wherein, preset contract quantity constraints include: the number of outstanding contracts is greater than a first preset number threshold and/or a first ratio between the number of outstanding contracts and the total number of contracts generated by the rental channel during a first preset history period is greater than a first preset ratio threshold.
In one embodiment, the judging module is configured to:
and if the number of the low-risk trips corresponding to the unclean contracts is smaller than a second preset number threshold value, and/or a second ratio between the number of the low-risk trips corresponding to the unclean contracts and the number of the trips to be evaluated is smaller than a second preset ratio threshold value, determining that the unclean contracts are risk contracts.
In one embodiment, the judging module is configured to:
And determining the lease priority of the lease channel according to the number of the risk contracts or the second ratio, wherein the lease priority is inversely related to the number of the risk contracts or the second ratio.
In one embodiment, the apparatus further comprises an order establishment module for:
receiving lease requests of a plurality of lease channels, and determining the arrangement sequence of the lease requests according to lease priorities corresponding to the lease channels;
and sequentially generating a lease order corresponding to each lease request according to the arrangement sequence.
In one embodiment, the apparatus further comprises an admission judgment module for:
acquiring qualification information of each lease channel, and judging whether the lease channel is a admission channel according to the qualification information, wherein the qualification information comprises registration information, license information, contract information and financial information;
if yes, generating an authorization file corresponding to the leasing channel, otherwise, generating refusal access information.
In one embodiment, the apparatus further comprises a setting module for:
acquiring historical lease data, wherein the historical lease data comprises vehicle data, historical trip data, historical default data and historical accident data;
and determining a preset low risk period according to the historical lease data.
In one embodiment, an electronic device is provided, where the electronic device may be a computer, a server, a workstation, a mobile device such as a mobile phone, a tablet, a vehicle mobile terminal, or other devices with program execution capability, and the internal structure of the electronic device may be as shown in fig. 5. The electronic device includes a processor, a memory, and a network module. Wherein the processor of the electronic device is configured to provide computing and control capabilities. The memory of the electronic device includes non-volatile and/or volatile storage media and internal memory. The non-volatile storage medium stores an operating system, instructions or code. The internal memory provides an environment for the execution of an operating system and instructions or code in a non-volatile storage medium. The instructions or code, when executed by the processor, implement the functions or steps of a risk assessment method for a car rental channel as described above. The network module of the electronic device may include a network interface and/or a wireless network module through which the electronic device may communicate with other devices or service platforms. In addition, the electronic device may further include a display screen, an input device, and the like.
In one embodiment, an electronic device is provided that includes a memory, a processor, and instructions or code stored on the memory and executable on the processor, the processor implementing the following steps when executing the instructions or code:
in the contracts of each lease channel, obtaining an outstanding contract of lease time in a first preset history period, and selecting a journey to be evaluated from the journey corresponding to the outstanding contract;
if the travel time period corresponding to the travel to be evaluated is within the preset low risk time period, determining that the travel to be evaluated is a low risk travel;
judging whether the outstanding contracts are risk contracts or not according to the number of low-risk strokes corresponding to each outstanding contract;
judging whether the lease channel is a risk channel or not according to the number of risk contracts corresponding to the lease channel.
In one embodiment, a storage medium having instructions or code stored thereon which when executed by a processor perform the steps of:
in the contracts of each lease channel, obtaining an outstanding contract of lease time in a first preset history period, and selecting a journey to be evaluated from the journey corresponding to the outstanding contract;
if the travel time period corresponding to the travel to be evaluated is within the preset low risk time period, determining that the travel to be evaluated is a low risk travel;
Judging whether the outstanding contracts are risk contracts or not according to the number of low-risk strokes corresponding to each outstanding contract;
judging whether the lease channel is a risk channel or not according to the number of risk contracts corresponding to the lease channel.
It should be noted that, the functions or steps that can be implemented by the storage medium or the electronic device may be referred to correspondingly with the descriptions in the foregoing method embodiments, and will not be described herein again for avoiding repetition.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by instructing the associated hardware by instructions or code that may be stored on a non-volatile readable storage medium that, when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), memory bus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-described division of the functional units and modules is illustrated, and in practical application, the above-described functional distribution may be performed by different functional units and modules according to needs, i.e. the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-described functions.
Those skilled in the art will appreciate that the drawing is merely a schematic illustration of one preferred implementation scenario and that elements or processes in the drawing are not necessarily required to practice the application. Those skilled in the art will appreciate that elements of a system in an implementation may be distributed throughout the system in an implementation as described in the implementation, or that corresponding variations may be located in one or more systems other than the implementation. The units of the implementation scenario may be combined into one unit, or may be further split into a plurality of sub-units.
The above embodiments are only for illustrating the technical solution of the present application, and not for limiting the same; although the application has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present application, and are intended to be included in the scope of the present application.
Claims (10)
1. A method for risk assessment of a time-period-based car rental channel, the method comprising:
in the contracts of each lease channel, obtaining an outstanding contract of lease time in a first preset history period, and selecting a journey to be evaluated from the journey corresponding to the outstanding contract;
if the travel time period corresponding to the travel to be evaluated is within a preset low risk time period, determining that the travel to be evaluated is a low risk travel;
judging whether each unclean contract is a risk contract or not according to the number of low-risk strokes corresponding to the unclean contract;
judging whether the lease channel is a risk channel or not according to the number of the risk contracts corresponding to the lease channel.
2. The method of claim 1, wherein selecting a trip to be evaluated from the trips corresponding to the outstanding contracts comprises:
if the number of the outstanding contracts meets the preset contract number constraint, selecting a stroke generated in a second preset history period from the strokes corresponding to the outstanding contracts as the stroke to be evaluated;
the starting time of the second preset historical period is later than the starting time of the first preset historical period, and the ending time of the second preset historical period and the ending time of the first preset historical period are both current time;
Wherein the preset contract quantity constraint comprises: the number of outstanding contracts is greater than a first preset number threshold, and/or a first ratio between the number of outstanding contracts and a total amount of contracts generated by the rental channel during the first preset history period is greater than a first preset ratio threshold.
3. The method according to claim 1, wherein the determining whether each outstanding contract is a risk contract according to the number of low risk trips corresponding to the outstanding contract includes:
and if the number of the low-risk trips corresponding to the unclean contracts is smaller than a second preset number threshold value, and/or a second ratio between the number of the low-risk trips corresponding to the unclean contracts and the number of the trips to be evaluated is larger than a second preset ratio threshold value, determining that the unclean contracts are the risk contracts.
4. The method of claim 3, wherein after said determining whether the channel under evaluation is a risk channel, the method further comprises:
and determining the lease priority of the lease channel according to the number of the risk contracts or the second ratio, wherein the lease priority is inversely related to the number of the risk contracts or the second ratio.
5. The method of claim 4, wherein after the determining the lease priority corresponding to the lease channel, the method further comprises:
receiving lease requests of a plurality of lease channels, and determining the arrangement sequence of the lease requests according to lease priorities corresponding to the lease channels;
and generating a lease order corresponding to each lease request in turn according to the arrangement sequence.
6. The method of claim 1, wherein prior to the acquiring the outstanding contracts for rental time within the first predetermined history period, the method further comprises:
acquiring qualification information of each lease channel, and judging whether the lease channel is a admission channel according to the qualification information, wherein the qualification information comprises registration information, permission information, contract information and financial information;
if yes, generating an authorization file corresponding to the leasing channel, otherwise, generating access refusal information.
7. The method of claim 1, wherein prior to said determining that the trip to be evaluated is a low risk trip, the method further comprises:
acquiring historical lease data, wherein the historical lease data comprises vehicle data, historical trip data, historical default data and historical accident data;
And determining a preset low-risk period according to the historical lease data.
8. A time-period-based risk assessment device for a car rental channel, the device comprising:
the data reading module is used for acquiring an outstanding contract of the renting time in a first preset history period in the contract of the renting channel;
the judging module is used for selecting a travel to be evaluated from the travel corresponding to the unclean contract; and if the travel time period corresponding to the travel to be evaluated is within a preset low risk time period, determining that the travel to be evaluated is a low risk travel; judging whether each unclean contract is a risk contract or not according to the number of low-risk strokes corresponding to the unclean contract; and judging whether the leasing channel is a risk channel or not according to the fact that the number of risk contracts corresponding to the leasing channel meets a second preset constraint.
9. A storage medium having stored thereon a program or instructions which, when executed by a processor, implement the method of any of claims 1 to 7.
10. An electronic device comprising a storage medium, a processor and a computer program stored on the storage medium and executable on the processor, characterized in that the processor implements the method of any one of claims 1 to 7 when executing the program.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117372134A (en) * | 2023-12-08 | 2024-01-09 | 广州研趣信息科技有限公司 | Instant lease subscription delivery management system |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117372134A (en) * | 2023-12-08 | 2024-01-09 | 广州研趣信息科技有限公司 | Instant lease subscription delivery management system |
| CN117372134B (en) * | 2023-12-08 | 2024-03-22 | 广州研趣信息科技有限公司 | Instant lease subscription delivery management system |
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