CN107480865A - Methods of risk assessment, device, storage medium and computer equipment - Google Patents
Methods of risk assessment, device, storage medium and computer equipment Download PDFInfo
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- CN107480865A CN107480865A CN201710600641.4A CN201710600641A CN107480865A CN 107480865 A CN107480865 A CN 107480865A CN 201710600641 A CN201710600641 A CN 201710600641A CN 107480865 A CN107480865 A CN 107480865A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The present invention relates to a kind of methods of risk assessment, device, storage medium and computer equipment, wherein method includes：The risk assessment to financing platform to be assessed is received to ask；Obtain and platform corresponding multiple evaluation factors to be assessed of managing money matters；The evaluation item of financing platform to be assessed and assessed value corresponding with evaluation item are determined according to the essential information of financing platform to be assessed and corresponding multiple evaluation factors；According to the evaluation item of financing platform to be assessed and assessed value corresponding with evaluation item generation risk evaluation result.So that user may be referred to risk evaluation result reasonable selection financing platform, and then reduce investment risk.
Description
Technical field
The present invention relates to technical field of Internet information, more particularly to a kind of methods of risk assessment, device, storage medium
And computer equipment.
Background technology
With constantly improve, the continuous expansion of individual wealth scale of the rapid growth and income level of resident of social economy
And the continuous enhancing of people's finance sense, increasing people favors to manage money matters in internet.Produced however, being managed money matters due to internet
Product are numerous, the scale of financing platform is uneven, and lack unified supervision, therefore, how to select financing platform, reduce itself
Financing risk be the highly desirable understanding of each user.
The content of the invention
Based on this, it is necessary to cause to throw for current internet finance product is numerous, the scale of financing platform is uneven
The problem of providing risk, there is provided a kind of methods of risk assessment, device, storage medium and computer equipment.
A kind of methods of risk assessment, including：
Receive the risk assessment to financing platform to be assessed to ask, the risk assessment request includes the reason to be assessed
The essential information of wealth platform；
Obtain multiple evaluation factors corresponding with financing platform to be assessed；
Financing platform to be assessed is determined according to the essential information of financing platform to be assessed and corresponding multiple evaluation factors
Evaluation item and assessed value corresponding with evaluation item；
According to the evaluation item of financing platform to be assessed and assessed value corresponding with evaluation item generation risk assessment knot
Fruit.
In one of the embodiments, evaluation factor include reacting the financing background strength of platform to be assessed, air control system,
Business model, product performance, one or more factors of operation ability and IT technologies.
In one of the embodiments, according to the essential information of financing platform to be assessed and corresponding multiple evaluation factors
The evaluation item of financing platform to be assessed and assessed value corresponding with evaluation item are determined, including：
According to the essential information of the evaluation item reference value that is pre-configured with and financing platform to be assessed and corresponding multiple
Evaluation factor determines the evaluation item of financing platform to be assessed；
The evaluation factor according to corresponding to evaluation item determines assessed value corresponding to evaluation item.
In one of the embodiments, in addition to：
Risk evaluation result is shown, so that user intuitively knows risk evaluation result.
A kind of risk assessment device, including：
Risk assessment acquisition request module, the risk assessment for obtaining to financing platform to be assessed are asked, the risk
Assessment request includes the essential information of financing platform to be assessed；
Evaluation factor receiving module, for receiving multiple evaluation factors corresponding with financing platform to be assessed；
Evaluation module, determine to treat for the essential information according to financing platform to be assessed and corresponding multiple evaluation factors
Assess the evaluation item of financing platform and assessed value corresponding with evaluation item；
Assessment result generation module, for according to the financing evaluation item of platform to be assessed and corresponding with evaluation item
Assessed value generates risk evaluation result.
In one of the embodiments, evaluation factor include reacting the financing background strength of platform to be assessed, air control system,
Business model, product performance, one or more factors of operation ability and IT technologies.
In one of the embodiments, evaluation module is additionally operable to：
According to the essential information of the evaluation item reference value that is pre-configured with and financing platform to be assessed and corresponding multiple
Evaluation factor determines the evaluation item of the financing platform to be assessed；
The evaluation factor according to corresponding to evaluation item determines assessed value corresponding to evaluation item.
In one of the embodiments, risk assessment device also includes：
Display module, for showing risk evaluation result, so that user intuitively knows risk evaluation result.
A kind of computer-readable recording medium, is stored thereon with computer program, and the computer program is executed by processor
The step of Shi Shixian methods as described above.
A kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor
Computer program, the step of realizing method as described above during the computing device described program.
Above-mentioned methods of risk assessment, device, storage medium and computer equipment, by obtaining to financing platform to be assessed
Risk assessment request, receive with the corresponding multiple evaluation factors of financing platform to be assessed, and according to platform to be assessed of managing money matters
Essential information and corresponding multiple evaluation factors determine the financing evaluation item of platform to be assessed and corresponding with evaluation item
Assessed value, so as to generate risk evaluation result so that user may be referred to the risk evaluation result reasonable selection financing platform,
And then reduce investment risk.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of one embodiment risk appraisal procedure；
Fig. 2 is the schematic flow sheet of one embodiment risk appraisal procedure；
Fig. 3 is the structural representation of one embodiment risk apparatus for evaluating；
Fig. 4 is the structural representation of one embodiment risk apparatus for evaluating.
Embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is
Part of the embodiment of the present invention, rather than whole embodiments.
The embodiments of the invention provide a kind of methods of risk assessment, this method can apply to risk evaluating system, such as Fig. 1
Shown, the methods of risk assessment may include steps of：
Step S101, receive the risk assessment to financing platform to be assessed and ask.
In the present embodiment, the essential information of financing platform to be assessed can be carried in risk assessment request.Wherein, it is to be evaluated
Estimate financing platform essential information can include it is to be assessed financing platform register name or industrial and commercial registration grade can uniquely determine
The information of the financing platform identity to be assessed.Corresponding business can be associated according to the identity information of financing platform to be assessed
Data, therefore, can be according to reason to be assessed after risk evaluating system receives the risk assessment request to financing platform to be assessed
The identity information of wealth platform obtains business datum corresponding to the financing platform to be assessed.
Step S102, obtain multiple evaluation factors corresponding with financing platform to be assessed.
In the present embodiment, evaluation factor includes reacting the background strength, air control system, business mould of financing platform to be assessed
Formula, product performance, one or more factors of operation ability and IT technologies.Wherein, evaluation factor can be from business datum
Extraction.
Business datum can then include reacting the background strength of financing platform to be assessed, air control system, business model, product
The specific data or information of characteristic, operation ability and IT technologies.For example, the tool of the background strength of reaction financing platform to be assessed
Volume data or information can include financing platform to be assessed registration and capital subscribed data, capital adequacy ratio information, qualification it is standby
Case information, shareholder's background information, Team Management's information etc..Therefore, can be using these specific data or information as evaluation factor
To evaluate the background strength of financing platform to be assessed.
Step S103, determined according to the essential information of financing platform to be assessed and corresponding multiple evaluation factors to be assessed
The evaluation item of financing platform and assessed value corresponding with evaluation item.
In the present embodiment, evaluation item and corresponding reference value can be pre-configured with risk evaluating system.Wherein,
Evaluation item refers to the item that needs are assessed, and reference value then includes reference value corresponding to evaluation item and each assessment
Assessment reference value corresponding to item difference.Assessment reference value can be used for the evaluation factor corresponding to and determine evaluation item reality
The assessed value on border.In the present embodiment, risk evaluating system is corresponding according to the risk assessment acquisition request to financing platform to be assessed
Evaluation factor, and the actual assessed value of evaluation item is determined according to the evaluation item and corresponding reference value that are pre-configured with.
As an example it is assumed that the evaluation item that a qualification is put on record has been pre-configured with risk evaluating system, the estimation items
Reference value corresponding to mesh is 1 point, and whether include whether that Local finance is done in the evaluation item puts on record and obtain in network
Hold the assessment item of service provider (Internet Content Provider, abbreviation ICP) licensing, it is each to assess corresponding to item
Assessment reference value is as shown in table 1 below.
Table 1：
| Assessment reference value | Whether Local finance, which is done, is put on record | Whether ICP licensing is obtained |
| It is | 0.5 point | 0.5 point |
| It is no | 0 point | 0 point |
If the evaluation factor for a certain financing platform to be assessed that risk evaluating system obtains includes：Done in Local finance standby
Case but ICP licensings are not obtained, then the money according to corresponding to the rule of reference value in upper table 1 can determine the financing platform to be assessed
The assessed value that item is specifically assessed in the evaluation item that matter is put on record is as shown in table 2 below.
Table 2：
| Assess item | Whether Local finance, which is done, is put on record | Whether ICP licensing is obtained |
| Assessed value | 0.5 point | 0 point |
Step S104, wind is generated according to the evaluation item of financing platform to be assessed and assessed value corresponding with evaluation item
Dangerous assessment result.
In the present embodiment, overall evaluation corresponding with evaluation item can be included in risk evaluation result, so as to convenient
User can get information about the risk assessment situation of each evaluation item.It can also include in risk evaluation result in evaluation item
It is each to assess assessed value corresponding to item, so as to facilitate user to understand specific assessment details.
For example, overall evaluation corresponding to the evaluation item that qualification is put on record in above-described embodiment is respectively to be assessed in the evaluation item
The assessed value sum of item, i.e., 0.5 point.Therefore, the evaluation item put on record according to qualification and assessment corresponding with evaluation item
The risk evaluation result for being worth generation is as follows：
Qualification is put on record (0.5/1)
Local finance, which is done, to be put on record：It is；
Obtain ICP licensings：It is no.
Wherein, overall evaluation corresponding to 0.5 evaluation item put on record for the qualification, 1 is the evaluation item that the qualification is put on record
Corresponding reference value.
In one embodiment, can also include collecting assessment result to multiple evaluation items in risk evaluation result.
For example, registration and the evaluation item of capital subscribed, the evaluation item of capital adequacy ratio, qualification to a certain financing platform to be assessed
The evaluation item put on record, the evaluation item of shareholder's background, multiple evaluation items such as evaluation item of Team Management reflect jointly
The background strength of the financing platform to be assessed, therefore, risk evaluating system can will react the background of the financing platform to be assessed
Corresponding overall evaluation is collected multiple evaluation items of strength respectively, so as to generate the back of the body for the financing platform to be assessed
The assessment result of scape strength so that user can get information about the background strength of financing platform to be assessed.
In one embodiment, as shown in Fig. 2 the methods of risk assessment of the present embodiment can also comprise the following steps：
Step S201, show risk evaluation result.
In the present embodiment, risk evaluating system can ask the corresponding financing platform to be assessed of displaying according to risk assessment
Risk evaluation result, so that user can intuitively know the risk evaluation result of financing platform to be assessed, so as to according to risk
Assessment result pointedly selects to invest, to reduce investment risk.
In one embodiment, evaluation factor includes reacting background strength, air control system, the business of financing platform to be assessed
Pattern, product performance, one or more factors of operation ability and IT technologies.For example, financing platform to be assessed is reacted
Background strength factor mainly include this it is to be assessed financing platform registration and capital subscribed data, capital adequacy ratio information,
Qualification record information, shareholder's background information, Team Management's information etc.；React the factor master of the air control system of financing platform to be assessed
To include the basic air control pattern information, investor's safeguard information, fund trustship/deposit pipe information of the financing platform to be assessed
And anchor partner information for strength etc.；The factor for reacting the business model of financing platform to be assessed is mainly to be assessed including this
The business health degree information of platform, business decentralization information, business target time limit, the business information of managing money matters disclose etc.；React to be evaluated
Estimating the factor of the product performance of financing platform mainly includes the credits mobility information of the financing platform to be assessed, situation of Profit letter
Breath, operation data disclose situation, charge situation, efficiency of withdrawing deposit etc.；React the factor master of the operation ability of financing platform to be assessed
Will include this it is to be assessed financing platform business scale, operation duration, efficiency of operation, brand influence, full scale/efficiency of carrying interest,
The information such as user activity, Media；Reacting the factor of the IT technologies of financing platform to be assessed mainly includes the reason to be assessed
The IT team of wealth platform and system information, whether configure mobile terminal, network public-opinion situation and customer service situation etc..Wherein,
Corresponding with financing platform to be assessed specific data or information can be used as evaluation factor.For example, a certain financing to be assessed is flat
The specific registered capital and capital subscribed of platform, whether configure mobile client, whether configure the actual data informations such as mobile H5 all
It is the evaluation factor for assessing the financing platform to be assessed.
In one embodiment, risk evaluating system according to the financing background strength of platform, air control system, business model,
Six aspects such as product performance, operation ability and IT technologies, have been respectively configured different evaluation items and and evaluation item
Corresponding reference value.
For example, the business model for platform of managing money matters can be the evaluation item of its configuration and corresponding reference value
It can include：Business health degree evaluation item (reference value is 6 points), the business decentralization evaluation item (base of financing platform
Quasi- reference value is 4 points), business target time limit evaluation item (reference value is 2 points) and business information disclose evaluation item
(reference value is 3 points) etc..
Also, one or more items for needing to be assessed can be configured in each evaluation item again and with respectively commenting
Estimate assessment reference value corresponding to item difference.For example, disclosing evaluation item for business information is specifically as follows commenting for its configuration
Estimating item can include：Item of information discloses degree (complete/relatively complete/general/incomplete), safeguard item disclose degree (it is complete/relatively complete/
Typically/incomplete) and disclose detailed degree (detailed/more detailed/general/deficiency), it is each to assess assessment reference value corresponding to item
Including：It is detailed be 3.0 points, it is more detailed be 2.50-2.75 points, generally 1.50-2.25 points, deficiency be less than 1.50 points.
Therefore, in the present embodiment, risk evaluating system can according to the evaluation factor of the financing platform to be assessed of acquisition,
And the evaluation item being pre-configured with and corresponding reference value determine the assessment of evaluation item corresponding to the financing platform to be assessed
Value.Assuming that the evaluation factor for a certain financing platform to be assessed that risk evaluating system obtains is：Item of information disclose degree for it is relatively complete,
It is general that safeguard item, which discloses degree as relatively complete, disclosure detailed degree,.Then it can determine that this is to be assessed according to above-mentioned reference value
The assessed value that business information corresponding to platform of managing money matters discloses evaluation item is 2 points.
In one embodiment, it is assumed that the evaluation item of operation duration, the evaluation item are configured with risk evaluating system
Corresponding reference value is 2 points, and the evaluation item includes the assessment item of the normal operation time limit, and the assessment item is corresponding
Assessment reference value include：
Duration is runed less than 1 year：0.5 point；
Run duration 1 to 2 year (containing 1 year)：1 point；
Run duration 2 to 3 years (containing 2 years)：1.25 point；
Run duration 3 to 4 years (containing 3 years)：1.50 point；
Run duration 4 to 5 years (containing 4 years)：1.75 point；
Run duration 5 years and more than：2.00 point.
If a certain financing platform to be assessed that risk evaluating system obtains is limited to 2.5 years in normal operation year, the tool
The normal operation time limit data of body are corresponding evaluation factor.So as to which risk evaluating system is according to the evaluation factor and above-mentioned
Assessment reference value can determine that the assessed value that evaluation item runs duration is 1.25 points, and then can be according to the operation duration
Assessed value generates risk evaluation result.
The embodiment of the present invention additionally provides a kind of risk assessment device, as shown in figure 3, including risk assessment acquisition request mould
Block 301, evaluation factor receiving module 302, evaluation module 303 and assessment result generation module 304, wherein：
Risk assessment acquisition request module 301, the risk assessment for obtaining to financing platform to be assessed are asked, wherein,
Risk assessment request includes the essential information of financing platform to be assessed.
Evaluation factor receiving module 302, for receiving multiple evaluation factors corresponding with financing platform to be assessed.
Evaluation module 303, it is true for the essential information according to financing platform to be assessed and corresponding multiple evaluation factors
The evaluation item of fixed financing platform to be assessed and assessed value corresponding with evaluation item.
Assessment result generation module 304, for according to it is to be assessed financing platform evaluation item and with evaluation item pair
The assessed value generation risk evaluation result answered.
In one embodiment, evaluation factor includes reacting background strength, air control system, the business of financing platform to be assessed
Pattern, product performance, one or more factors of operation ability and IT technologies.
In one embodiment, evaluation module 303 can be also used for：According to the evaluation item reference value being pre-configured with and treat
Assess the essential information of financing platform and corresponding multiple evaluation factors determine the evaluation item of financing platform to be assessed；According to
Evaluation factor corresponding to evaluation item determines assessed value corresponding to evaluation item.
In one embodiment, as shown in figure 4, risk assessment device can also include display module 401, for showing wind
Dangerous assessment result, so that user intuitively knows risk evaluation result.
The embodiment of the present invention additionally provides a kind of computer-readable recording medium, is stored thereon with computer program, the meter
Calculation machine program realizes following steps when being executed by processor：The risk assessment to financing platform to be assessed is received to ask, wherein, wind
Dangerous assessment request includes the essential information of financing platform to be assessed；Obtain with it is to be assessed manage money matters the corresponding multiple assessments of platform because
Son；The assessment of financing platform to be assessed is determined according to the essential information of financing platform to be assessed and corresponding multiple evaluation factors
Project and assessed value corresponding with evaluation item；According to the financing evaluation item of platform to be assessed and corresponding with evaluation item
Assessed value generation risk evaluation result.
In one embodiment, evaluation factor includes reacting background strength, air control system, the business of financing platform to be assessed
Pattern, product performance, one or more factors of operation ability and IT technologies.
In one embodiment, determined according to the essential information of financing platform to be assessed and corresponding multiple evaluation factors
The evaluation item of financing platform to be assessed and assessed value corresponding with evaluation item, including：According to the estimation items being pre-configured with
The essential information and corresponding multiple evaluation factors of mesh reference value and financing platform to be assessed determine financing platform to be assessed
Evaluation item；The evaluation factor according to corresponding to evaluation item determines assessed value corresponding to evaluation item.
In one embodiment, in addition to：The risk evaluation result is shown, so that user intuitively knows risk assessment
As a result.
The embodiment of the present invention additionally provides a kind of computer equipment, including memory, processor and is stored in memory
Computer program that is upper and can running on a processor, following steps are realized during the computing device described program：Reception pair
The risk assessment request of financing platform to be assessed, wherein, risk assessment request includes the essential information of financing platform to be assessed；
Obtain multiple evaluation factors corresponding with financing platform to be assessed；According to the financing essential information of platform to be assessed and corresponding
Multiple evaluation factors determine the evaluation item of financing platform to be assessed and assessed value corresponding with evaluation item；According to be assessed
The evaluation item and assessed value corresponding with evaluation item generation risk evaluation result of financing platform.
In one embodiment, evaluation factor includes reacting background strength, air control system, the business of financing platform to be assessed
Pattern, product performance, one or more factors of operation ability and IT technologies.
In one embodiment, determined according to the essential information of financing platform to be assessed and corresponding multiple evaluation factors
The evaluation item of financing platform to be assessed and assessed value corresponding with evaluation item, including：According to the estimation items being pre-configured with
The essential information and corresponding multiple evaluation factors of mesh reference value and financing platform to be assessed determine financing platform to be assessed
Evaluation item；The evaluation factor according to corresponding to evaluation item determines assessed value corresponding to evaluation item.
In one embodiment, in addition to：The risk evaluation result is shown, so that user intuitively knows risk assessment
As a result.
Each technical characteristic of embodiment described above can be combined arbitrarily, to make description succinct, not to above-mentioned reality
Apply all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, the scope that this specification is recorded all is considered to be.
Embodiment described above only expresses the several embodiments of the present invention, and its description is more specific and detailed, but simultaneously
Can not therefore it be construed as limiting the scope of the patent.It should be pointed out that come for one of ordinary skill in the art
Say, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention
Scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
- A kind of 1. methods of risk assessment, it is characterised in that including：Receive the risk assessment to financing platform to be assessed to ask, it is flat that the risk assessment request includes the financing to be assessed The essential information of platform；Obtain and platform corresponding multiple evaluation factors to be assessed of managing money matters；The financing to be assessed is determined according to the essential information of the financing platform to be assessed and corresponding multiple evaluation factors The evaluation item of platform and assessed value corresponding with the evaluation item；Commented according to the evaluation item of the financing platform to be assessed and assessed value corresponding with evaluation item generation risk Estimate result.
- 2. methods of risk assessment according to claim 1, it is characterised in that the evaluation factor includes reacting described to be evaluated Estimate one kind or more of the financing background strength of platform, air control system, business model, product performance, operation ability and IT technologies Kind factor.
- 3. methods of risk assessment according to claim 1, it is characterised in that described according to the financing platform to be assessed Essential information and corresponding multiple evaluation factors determine it is described it is to be assessed financing platform evaluation item and with the assessment Assessed value corresponding to project, including：According to the essential information of the evaluation item reference value that is pre-configured with and the financing platform to be assessed and corresponding multiple Evaluation factor determines the evaluation item of the financing platform to be assessed；The assessed value according to corresponding to evaluation factor corresponding to the evaluation item determines the evaluation item.
- 4. methods of risk assessment according to claim 1, it is characterised in that also include：The risk evaluation result is shown, so that user intuitively knows the risk evaluation result.
- A kind of 5. risk assessment device, it is characterised in that including：Risk assessment acquisition request module, the risk assessment for obtaining to financing platform to be assessed are asked, the risk assessment Request includes the essential information of the financing platform to be assessed；Evaluation factor receiving module, for receiving and platform corresponding multiple evaluation factors to be assessed of managing money matters；Evaluation module, institute is determined for the essential information according to the financing platform to be assessed and corresponding multiple evaluation factors State the evaluation item of financing platform to be assessed and assessed value corresponding with the evaluation item；Assessment result generation module, for according to it is described it is to be assessed financing platform evaluation item and with the evaluation item pair The assessed value generation risk evaluation result answered.
- 6. risk assessment device according to claim 5, it is characterised in that the evaluation factor includes reacting described to be evaluated Estimate one kind or more of the financing background strength of platform, air control system, business model, product performance, operation ability and IT technologies Kind factor.
- 7. risk assessment device according to claim 5, it is characterised in that the evaluation module is additionally operable to：According to the essential information of the evaluation item reference value that is pre-configured with and the financing platform to be assessed and corresponding multiple Evaluation factor determines the evaluation item of the financing platform to be assessed；The assessed value according to corresponding to evaluation factor corresponding to the evaluation item determines the evaluation item.
- 8. risk assessment device according to claim 5, it is characterised in that the risk assessment device also includes：Display module, for showing the risk evaluation result, so that user intuitively knows the risk evaluation result.
- 9. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the computer program is located Manage and realized when device performs such as the step of any one of Claims 1 to 4 methods described.
- 10. a kind of computer equipment, including memory, processor and storage can be run on a memory and on a processor Computer program, it is characterised in that the side as described in any one of Claims 1 to 4 is realized during the computing device described program The step of method.
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| CN109684848A (en) * | 2018-09-07 | 2019-04-26 | 平安科技（深圳）有限公司 | Methods of risk assessment, device, equipment and readable storage medium storing program for executing |
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| CN109492885B (en) * | 2018-10-25 | 2024-02-09 | 平安医疗健康管理股份有限公司 | Medical insurance risk project analysis method and device, terminal and readable medium |
| CN110084701A (en) * | 2019-04-26 | 2019-08-02 | 深圳前海风车科技服务有限公司 | Financing platform enters method, apparatus, computer equipment and storage medium |
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| CN112308467B (en) * | 2020-11-26 | 2022-10-28 | 上海济邦投资咨询有限公司 | Engineering project risk assessment system based on big data |
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