CN108428178A - financing risk control method, device, equipment and storage medium - Google Patents
financing risk control method, device, equipment and storage medium Download PDFInfo
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- CN108428178A CN108428178A CN201810100835.2A CN201810100835A CN108428178A CN 108428178 A CN108428178 A CN 108428178A CN 201810100835 A CN201810100835 A CN 201810100835A CN 108428178 A CN108428178 A CN 108428178A
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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
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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
Abstract
The invention discloses a kind of financing risk control methods, including:Financing application is received, the financing application includes financing type and user information;Corresponding risk indicator is determined according to the financing type;Big data analysis is carried out to the user information and obtains the index value of the risk indicator;The index value is compared with pre-set level threshold value, obtains air control result.In the embodiment of the present invention, by determining risk indicator according to the financing type of user, and big data analysis is carried out to user information and obtains the index value of risk indicator, and then air control result is obtained according to the comparison result of the index value and pre-set level threshold value, realize intelligent matching risk indicator, Intelligent Calculation air control result, it highly shortened financing risk audit time, accelerate air control result calculating speed, to greatly improve the review efficiency of financing risk control.The present invention also provides a kind of financing risk control device, equipment and storage mediums.
Description
Technical field
The present invention relates to risk management technology field more particularly to a kind of financing risk control method, device, equipment and deposit
Storage media.
Background technology
Financing is the behavior and process that a business capital is raised, that is to say, that company is according to the production and operation shape of itself
Condition, fund possess the needs of situation and company's future operation and development, the prediction by science and decision, using certain side
Formula goes to raise funds from certain channel, the supply of organization funds normally produces needs with guarantee company, operational and managerial activity needs
The financing behavior wanted.With the development of economy, more and more enterprise's selections are financed to solve asking for the existing fund limitation of company
Topic.
Financing is that entrepreneur opens foundation gate, but be at the same time also investor bring fund can the loss of energy wind
Danger, thus, to ensure the interests of investor, need to carry out risk control to financing.Risk control refers to that air control personnel take respectively
Kind of measure and method are eliminated or the possibility for event generation of reducing risks, or are damaged caused by when event of reducing risks occurs
It loses.And the mode of manual examination and verification under line is usually used to be controlled in existing financing risk control method, not only workload
Greatly, efficiency is low, and manual examination and verification are susceptible to mistake, and audit it is not comprehensive enough, to which reasonable accurate wind can not be made
Danger anticipation.
To sum up, the audit time of financing risk control how is reduced, raising review efficiency becomes those skilled in the art urgently
Problem to be solved.
Invention content
An embodiment of the present invention provides a kind of financing risk control method, device, equipment and storage mediums, can realize intelligence
Energyization matches risk indicator, Intelligent Calculation air control as a result, shortening financing risk audit time, accelerating air control result calculating speed
Degree, to greatly improve the review efficiency of financing risk control.
The embodiment of the present invention in a first aspect, provide a kind of financing risk control method, including:
Financing application is received, the financing application includes financing type and user information;
Corresponding risk indicator is determined according to the financing type;
Big data analysis is carried out to the user information and obtains the index value of the risk indicator;
The index value is compared with pre-set level threshold value, obtains air control result.
Optionally, it is described corresponding risk indicator is determined according to the financing type before, including:
The correspondence of risk indicator and risk indicator and financing type is set;
Risk threshold value and each risk threshold value corresponding risk of each risk indicator in corresponding financing type are set
Score.
Preferably, described that the index value of the risk indicator is obtained to user information progress big data analysis, including:
Big data analysis is carried out to the user information and obtains the finger of each risk indicator corresponding with the financing type
Mark score;
It determines the corresponding risk threshold value of each index score, and each risk indicator is obtained according to the risk threshold value
Risk score;
It is added each risk score to obtain the index value of the risk indicator.
Optionally, the financing risk control method further includes:
Data training set is established according to big data analysis to the user information, and according to the sampling of the data training set
Analysis is updated the risk threshold value and the corresponding risk score of the risk threshold value of the risk indicator, the risk indicator
Adjustment.
The second aspect of the embodiment of the present invention provides a kind of financing risk control device, including:
Financing application receiving module, for receiving financing application, the financing application includes financing type and user information;
Risk indicator determining module, for determining corresponding risk indicator according to the financing type;
Index value acquisition module obtains the index of the risk indicator for carrying out big data analysis to the user information
Value;
Air control result obtains module, for the index value to be compared with pre-set level threshold value, obtains air control result.
Optionally, the financing risk control device further includes:
Risk indicator setup module, the correspondence for risk indicator and risk indicator and financing type to be arranged;
Risk threshold value setup module, for risk threshold value of each risk indicator in corresponding financing type and every to be arranged
The corresponding risk score of one risk threshold value.
Preferably, the index value acquisition module, including:
Index score acquiring unit obtains and the financing type pair for carrying out big data analysis to the user information
The index score for each risk indicator answered;
Risk score determination unit, for determining the corresponding risk threshold value of each index score, and according to the risk threshold
It is worth to the risk score of each risk indicator;
Index is worth to unit, for being added each risk score to obtain the index value of the risk indicator.
Optionally, the financing risk control device further includes:
Update adjustment module, for establishing data training set according to big data analysis to the user information, and according to institute
The sampling analysis for stating data training set corresponds to the risk threshold value of the risk indicator, the risk indicator and the risk threshold value
Risk score be updated adjustment.
The third aspect of the embodiment of the present invention, provide a kind of financing risk control device, including memory, processor with
And it is stored in the computer program that can be run in the memory and on the processor, the processor executes the calculating
It is realized when machine program as described in aforementioned first aspect the step of financing risk control method.
The fourth aspect of the embodiment of the present invention, provides a kind of computer readable storage medium, described computer-readable to deposit
Storage media is stored with computer program, realizes when the computer program is executed by processor and finances as described in aforementioned first aspect
The step of risk control method.
As can be seen from the above technical solutions, the embodiment of the present invention has the following advantages:
In the embodiment of the present invention, first, financing application is received, the financing application includes financing type and user information;
Then, corresponding risk indicator is determined according to the financing type;Then, big data analysis is carried out to the user information to obtain
The index value of the risk indicator;Finally, the index value is compared with pre-set level threshold value, obtains air control result.
In the embodiment of the present invention, by determining risk indicator according to the financing type of user, and big data analysis is carried out to user information
The index value of risk indicator is obtained, and then air control is obtained as a result, reality according to the comparison result of the index value and pre-set level threshold value
Intelligent matching risk indicator, Intelligent Calculation air control are showed as a result, highly shortened financing risk audit time, accelerating
Air control result calculating speed, to greatly improve the review efficiency of financing risk control.
Description of the drawings
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description be only the present invention some
Embodiment for those of ordinary skill in the art without having to pay creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is a kind of method flow diagram of financing risk control method provided in an embodiment of the present invention;
Fig. 2 is a kind of structural schematic diagram of financing risk control device provided in an embodiment of the present invention;
Fig. 3 is a kind of structural schematic diagram of financing risk control device provided in an embodiment of the present invention.
Specific implementation mode
An embodiment of the present invention provides a kind of financing risk control method, device, equipment and storage mediums, for intelligence
Matching risk indicator, Intelligent Calculation air control as a result, with shorten financing risk audit time, accelerate air control result calculating speed,
Improve the review efficiency of financing risk control.
In order to make the invention's purpose, features and advantages of the invention more obvious and easy to understand, below in conjunction with the present invention
Attached drawing in embodiment, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that disclosed below
Embodiment be only a part of the embodiment of the present invention, and not all embodiment.Based on the embodiments of the present invention, this field
All other embodiment that those of ordinary skill is obtained without making creative work, belongs to protection of the present invention
Range.
Referring to Fig. 1, an embodiment of the present invention provides a kind of financing risk control method, the financing risk control method
Including:
Step S101, financing application is received, the financing application includes financing type and user information.
In the present embodiment, user can initiate financing Shen by terminal devices such as PC, smart mobile phones to server
Please, may include that user currently it is expected the financing type financed in the financing application, such as order financing, receivables financing, house property
Financing etc., wherein order financing refers to being financed by order volume, order volume, and receivables financing refers to after being sold by cargo
There are no the bill and account receivables of received payment to finance, and house property financing is then the market value based on house to finance.In addition, the financing
Application can also include the user informations such as finance, order, cash flow, expenditure, the inventory of user, naturally it is also possible to be carried including user
Other supplied can be shown that the information of user's property situation or loan repayment capacity, such as investment project information etc..
Step S102, corresponding risk indicator is determined according to the financing type.
Server finds corresponding wind after the financing application for obtaining user according to the financing type in the financing application
Dangerous index, such as, if financing type is order financing, find risk indicator corresponding with order financing;If
If type of financing is receivables financing, then risk indicator corresponding with receivables financing is found;Certainly, if financing type is
If house property is financed, then risk indicator corresponding with house property financing is found.
Here, to guarantee to search out corresponding risk indicator according to financing type, in the present embodiment, according to
Before financing type determines corresponding risk indicator, further include:Risk indicator and risk indicator and the corresponding of type of financing are set
Relationship;Risk threshold value and each risk threshold value corresponding risk of each risk indicator in corresponding financing type is arranged to obtain
Point.
In the present embodiment, it can be directed to each financing type in advance, corresponding risk indicator, each risk are set
The corresponding risk threshold value of index and the corresponding risk score of each risk threshold value, and by these risk indicators, risk threshold value and
Risk score is stored in database, and after obtaining the financing type of user, the financing class is directly matched from database
The corresponding risk indicator of type and relevant risk threshold value and risk score.
Such as it is provided with corresponding risk indicator for order financing and refers to for financial index, order index, cash flow
Mark, expenditure target, stockage objective, and for financial index, order index, cash flow index, expenditure target, stockage objective difference
It is provided with the risk score corresponding to corresponding risk threshold value range and each risk threshold value range.Schematically, it is assumed that be directed to
This risk indicator of order index is specifically provided with 0~10%, 10%~20%, 20%~40%, 40%~100% 4 wind
Dangerous threshold range, wherein 0~10% corresponding risk score is 0 point, and 10%~20% corresponding risk score is 15 points,
20%~40% corresponding risk score is 20 points, and 40%~100% corresponding risk score is 30 points, and these risks are referred to
Mark and corresponding risk threshold value and risk score associated storage in database, thus, finance Shen when user carries out order
Please when, can directly be matched from database and apply for that relevant financial index, order index, cash flow refer to order financing
Mark, expenditure target, stockage objective, and match the corresponding risk threshold value of each risk indicator and the corresponding wind of each risk threshold value
Dangerous score realizes the intelligent matching of risk indicator, and the air control that order financing application is quickly obtained with this is melted as a result, improving
Provide review efficiency.
It is understood that being directed to different financing types, risk indicator may be identical, and identical risk indicator corresponds to
Risk threshold value and the corresponding risk score of risk threshold value can be identical, can not also be identical, wherein the setting of risk threshold value can
It is determined with user informations such as the finance, order, cash flow, expenditure, the inventories that are provided according to user, user can also be referred to
There is provided such as investment project other materials and finance money tracking situation, naturally it is also possible to directly specially controlled by risk personnel into
Pedestrian's work is arranged.
Step S103, big data analysis is carried out to the user information and obtains the index value of the risk indicator.
Here, the entirety that the index value of the risk indicator refers to the corresponding all risk indicators of a certain financing application refers to
Scale value.
In the present embodiment, step S103, carrying out big data analysis to the user information obtains the finger of the risk indicator
Scale value specifically includes:Step a, user information progress big data analysis is obtained corresponding each with the financing type
The index score of risk indicator;Step b, it determines the corresponding risk threshold value of each index score, and is obtained according to the risk threshold value
To the risk score of each risk indicator;Step c, it is added each risk score to obtain the finger of the risk indicator
Scale value.
It is understood that in the present embodiment, after obtaining user information, big data is carried out to the user information first
Analysis is to obtain the true index score of each risk indicator, then according to the correspondence of each index score and risk threshold value
It determines the risk score of each risk indicator, is finally financed total whole of application according to all risk scores to obtain the user
Body index value.
For example, it is assumed that thering are order index, cash flow index, finance to refer to according to the risk indicator that the financing type of user determines
Mark three indexs, wherein the corresponding risk threshold value of order index and risk score are specially:0~10% corresponding risk score
Be 0 point, 10%~20% corresponding risk score be 15 points, 20%~40% corresponding risk score be 20 points, 40%~
100% corresponding risk score is 30 points;The corresponding risk threshold value of cash flow index and risk score are specially:0~30% pair
The risk score answered is 0 point, and 30%~50% corresponding risk score is 20 points, and 50%~70% corresponding risk score is 30
Point, 70%~100% corresponding risk score is 40 points;The corresponding risk threshold value of financial index and risk score are specially:0~
20% corresponding risk score is 0 point, and 20%~30% corresponding risk score is 10 points, and 30%~70% corresponding risk obtains
It is divided into 20 points, 70%~100% corresponding risk score is 30 points;And it is obtained according to big data analysis is carried out to the user information
The index of order index is scored at 20%, and the index of cash flow index is scored at 60%, and the index of financial index is scored at 40%,
I.e. it is found that the risk score of order index is 15 points, the risk score of cash flow index is 30 points, the risk score of financial index
It is 20 points, thus, it is known that the user, which finances, applies for that final global index value is 65 points.
It is understood that schematic view is only made in the setting of above-mentioned concrete numerical value, should not be construed as implementing the present invention
The limitation of example, in the embodiment of the present invention, after the setting of risk threshold value and risk score carries out big data analysis according to actual conditions
It determines.
Step S104, the index value is compared with pre-set level threshold value, obtains air control result.
In the present embodiment, after the global index value that user's financing application is calculated, by the index value and preset
Metrics-thresholds are compared, to judge the user by the loan repayment capacity after applying of financing, to obtain the wind of the financing application
Control result.Schematically, in the present embodiment, the specific facilities of pre-set level threshold value can be:0~50 sets up separately and is set to force one wind
Danger, 50-60, which sets up separately, is set to gentle breeze danger, and 60-70, which sets up separately, is set to tertiary risk, and 70 to 80 set up separately and are set to fresh breeze danger, 80-100 point
It is set as strong breeze danger.Here, the setting of risk class is mainly used for judging that the loan repayment capacity after user's financing, risk class are got over
It is low to show that the loan repayment capacity of user is poorer, and the loan repayment capacity of user more it is poor then its financing audit percent of pass will be lower, or
The fund that its reality can melt wants that the fund melted is few compared with it.
Such as prime risk shows that the loan repayment capacity after user's financing is essentially 0, i.e., basically can not give back financing gold
Volume;Two level risk shows that the loan repayment capacity after user's financing is 30%;Tertiary risk shows that the loan repayment capacity after user's financing is
50%;Level Four risk shows that the loan repayment capacity after user's financing is 70%;Pyatyi risk can refund substantially after showing user's financing,
With the risk class residing for user, to carry out the determination of financing result, wherein financing result includes refusing the financing of user
Its amount of money of financing is applied for by the financing of user but reduced to application, fully by financing application of user etc..
Further, in this embodiment can determine that the user is available according to the historical user information that user submits
Highest finance the amount of money, and the actual financing amount of money of user and the highest amount of money of financing are compared.Melt when user is actual
When capital amount has been more than the highest financing amount of money, even if the financing of user is in fresh breeze danger, it still can directly refuse this at this time
The financing application of user, or by the highest finance the amount of money based on give the user and finance accordingly fund;And when user is real
The financing amount of money on border has been more than the highest financing amount of money, and the financing of user is in light breeze danger, tertiary risk, level Four risk
When, corresponding financing fund can be given based on the highest financing amount of money, such as give the highest financing amount of money 30%,
50%, 70% financing fund, or directly refuse its financing application;When the actual financing amount of money of user is not above the highest
Finance the amount of money, and when the financing of user be in light breeze danger, tertiary risk, level Four risk, can the highest finance the amount of money as base
Plinth gives corresponding financing fund, can also give corresponding financing fund based on the actual financing amount of money.
In the embodiment of the present invention, after obtaining financing result according to air control result, i.e., the financing result is sent to this automatically
User, and when financing result be to refuse the financing application of user or by the financing application of user but reduce its financing amount of money
When, the reason of refusal financing application correspondingly can be also sent to the user, reduce its finance amount of money the reason of and relevant melt
Money is suggested, so that the reason of user accurately understands its financing audit failure or reduces.When user receives what financing application passed through
When result of financing, which can be checked, after verification passes through, then automatically into subsequent financing flow.
Optionally, financing risk control method provided in an embodiment of the present invention further includes:To the user information according to big
Data training set is established in data analysis, and according to the sampling analysis of the data training set to the risk indicator, the risk
The risk threshold value of index and the corresponding risk score of the risk threshold value are updated adjustment.
I.e. in embodiments of the present invention, can analysis periodically be sampled to the user information of user, to adjust user in real time
Highest finance the amount of money, and adjust the corresponding risk indicator of each financing type, the corresponding risk threshold value of each risk indicator in real time
And the corresponding risk score of each risk threshold value.Such as when the user information that user newly submits shows that its order volume increases,
It is good to show customer service development, thus, the risk threshold value and risk score of order index can be correspondingly adjusted at this time, to carry
High order index it is final refer generally to scale value in accounting, so as to make accurate judgement to the audit of follow-up financing.
Further, the embodiment of the present invention, the service condition and user's feelings of the post-funding amount of money that can also finance to user
Condition etc. is obtained into line trace, and according to tracking result dynamically to adjust the highest financing amount of money, risk indicator, risk threshold value and risk
Point, to improve the accuracy of financing risk control.
In the embodiment of the present invention, first, financing application is received, the financing application includes financing type and user information;
Then, corresponding risk indicator is determined according to the financing type;Then, big data analysis is carried out to the user information to obtain
The index value of the risk indicator;Finally, the index value is compared with pre-set level threshold value, obtains air control result.
In the embodiment of the present invention, by determining risk indicator according to the financing type of user, and big data analysis is carried out to user information
The index value of risk indicator is obtained, and then air control is obtained as a result, reality according to the comparison result of the index value and pre-set level threshold value
Intelligent matching risk indicator, Intelligent Calculation air control are showed as a result, highly shortened financing risk audit time, accelerating
Air control result calculating speed, to greatly improve the review efficiency of financing risk control.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
A kind of financing risk control method is essentially described above, a kind of financing risk control device will be carried out below detailed
Thin description.
As shown in Fig. 2, an embodiment of the present invention provides a kind of financing risk control device, the financing risk control device
Including:
Financing application receiving module 201, for receiving financing application, the financing application includes financing type and user's letter
Breath;
Risk indicator determining module 202, for determining corresponding risk indicator according to the financing type;
Index value acquisition module 203 obtains the risk indicator for carrying out big data analysis to the user information
Index value;
Air control result obtains module 204, for the index value to be compared with pre-set level threshold value, obtains air control knot
Fruit.
Optionally, the financing risk control device further includes:
Risk indicator setup module, the correspondence for risk indicator and risk indicator and financing type to be arranged;
Risk threshold value setup module, for risk threshold value of each risk indicator in corresponding financing type and every to be arranged
The corresponding risk score of one risk threshold value.
Preferably, the index value acquisition module 203, including:
Index score acquiring unit obtains and the financing type pair for carrying out big data analysis to the user information
The index score for each risk indicator answered;
Risk score determination unit, for determining the corresponding risk threshold value of each index score, and according to the risk threshold
It is worth to the risk score of each risk indicator;
Index is worth to unit, for being added each risk score to obtain the index value of the risk indicator.
Optionally, the financing risk control device further includes:
Update adjustment module, for establishing data training set according to big data analysis to the user information, and according to institute
The sampling analysis for stating data training set corresponds to the risk threshold value of the risk indicator, the risk indicator and the risk threshold value
Risk score be updated adjustment.
Fig. 3 is the schematic diagram for the financing risk control device that one embodiment of the invention provides.As shown in figure 3, the embodiment
Financing risk control device 300 include:It processor 301, memory 302 and is stored in the memory 302 and can be
The computer program 303 run on the processor 301, such as financing risk control program.The processor 301 executes described
The step in above-mentioned each financing risk control method embodiment, such as step shown in FIG. 1 are realized when computer program 303
S101 to step S104.Alternatively, the processor 301 realizes above-mentioned each device embodiment when executing the computer program 303
In each module/unit function, such as module 201 shown in Fig. 2 is to the function of module 204.
Illustratively, the computer program 303 can be divided into one or more module/units, it is one or
Multiple module/the units of person are stored in the memory 302, and are executed by the processor 301, are implemented with completing the present invention
Example.One or more of module/units can be the series of computation machine program instruction section that can complete specific function, this refers to
Enable section for describing implementation procedure of the computer program 303 in the financing risk control device 300.For example, described
Computer program 303 can be divided into financing application receiving module, risk indicator determining module, index value acquisition module, wind
Control result obtains module, and each module concrete function is as follows:
Financing application receiving module, for receiving financing application, the financing application includes financing type and user information;
Risk indicator determining module, for determining corresponding risk indicator according to the financing type;
Index value acquisition module obtains the index of the risk indicator for carrying out big data analysis to the user information
Value;
Air control result obtains module, for the index value to be compared with pre-set level threshold value, obtains air control result.
The financing risk control device 300 can be desktop PC, notebook, palm PC and cloud server
Equal computing devices.The financing risk control device may include, but be not limited only to, processor 301, memory 302.This field skill
Art personnel are appreciated that Fig. 3 is only the example of financing risk control device 300, do not constitute to financing risk control device
300 restriction may include components more more or fewer than diagram, either combine certain components or different components, such as
The financing risk control device 300 can also include input-output equipment, network access equipment, bus etc..
The processor 301 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), application-specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor can also be any conventional processor
Deng.
The memory 302 can be the internal storage unit of the financing risk control device 300, for example, financing wind
The hard disk or memory of dangerous control device 300.The memory 302 can also be the outside of the financing risk control device 300
Storage device, for example, the plug-in type hard disk being equipped on the financing risk control device 300, intelligent memory card (Smart
Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further,
The memory 302 can also both include the internal storage unit of the financing risk control device 300, also include external storage
Equipment.The memory 302 is for storing needed for the computer program 303 and the financing risk control device 300
Other programs and data.The memory 302 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may realize that each embodiment described in conjunction with the examples disclosed in this document
Module, unit and/or method and step can be realized with the combination of electronic hardware or computer software and electronic hardware.This
A little functions are implemented in hardware or software actually, depend on the specific application and design constraint of technical solution.Specially
Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not
It is considered as beyond the scope of this invention.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of division of logic function, formula that in actual implementation, there may be another division manner, such as multiple units or component
It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be the indirect coupling by some interfaces, device or unit
It closes or communicates to connect, can be electrical, machinery or other forms.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the mesh of this embodiment scheme
's.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, it can also
It is that each unit physically exists alone, it can also be during two or more units be integrated in one unit.Above-mentioned integrated list
The form that hardware had both may be used in member is realized, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can be stored in a computer read/write memory medium.Based on this understanding, the present invention realizes above-described embodiment side
All or part of flow in method can also instruct relevant hardware to complete, the computer by computer program
Program can be stored in a computer readable storage medium, and the computer program is when being executed by processor, it can be achieved that above-mentioned each
The step of a embodiment of the method..Wherein, the computer program includes computer program code, the computer program code
Can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium can
To include:Can carry the computer program code any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disc,
CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random
Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the computer
The content that readable medium includes can carry out increase and decrease appropriate according to legislation in jurisdiction and the requirement of patent practice, such as
In certain jurisdictions, according to legislation and patent practice, computer-readable medium does not include electric carrier signal and telecommunication signal.
The above, the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations;Although with reference to before
Stating embodiment, invention is explained in detail, it will be understood by those of ordinary skill in the art that:It still can be to preceding
The technical solution recorded in each embodiment is stated to modify or equivalent replacement of some of the technical features;And these
Modification or replacement, the spirit and scope for various embodiments of the present invention technical solution that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of financing risk control method, which is characterized in that including:
Financing application is received, the financing application includes financing type and user information;
Corresponding risk indicator is determined according to the financing type;
Big data analysis is carried out to the user information and obtains the index value of the risk indicator;
The index value is compared with pre-set level threshold value, obtains air control result.
2. financing risk control method according to claim 1, which is characterized in that described to be determined according to the financing type
Before corresponding risk indicator, including:
The correspondence of risk indicator and risk indicator and financing type is set;
Risk threshold value and each risk threshold value corresponding risk score of each risk indicator in corresponding financing type are set.
3. financing risk control method according to claim 2, which is characterized in that described to be carried out greatly to the user information
Data analysis obtains the index value of the risk indicator, including:
The index that each risk indicator corresponding with the financing type is obtained to user information progress big data analysis obtains
Point;
It determines the corresponding risk threshold value of each index score, and the wind of each risk indicator is obtained according to the risk threshold value
Dangerous score;
It is added each risk score to obtain the index value of the risk indicator.
4. financing risk control method according to claim 2 or 3, which is characterized in that the financing risk control method,
Further include:
Data training set is established according to big data analysis to the user information, and according to the sampling analysis of the data training set
Risk threshold value and the corresponding risk score of the risk threshold value to the risk indicator, the risk indicator are updated tune
It is whole.
5. a kind of financing risk control device, which is characterized in that including:
Financing application receiving module, for receiving financing application, the financing application includes financing type and user information;
Risk indicator determining module, for determining corresponding risk indicator according to the financing type;
Index value acquisition module obtains the index value of the risk indicator for carrying out big data analysis to the user information;
Air control result obtains module, for the index value to be compared with pre-set level threshold value, obtains air control result.
6. financing risk control device according to claim 5, which is characterized in that the financing risk control device also wraps
It includes:
Risk indicator setup module, the correspondence for risk indicator and risk indicator and financing type to be arranged;
Risk threshold value setup module, for risk threshold value and each wind of each risk indicator in corresponding financing type to be arranged
The corresponding risk score of dangerous threshold value.
7. financing risk control device according to claim 6, which is characterized in that the index value acquisition module, including:
Index score acquiring unit, it is corresponding with the financing type for being obtained to user information progress big data analysis
The index score of each risk indicator;
Risk score determination unit for determining the corresponding risk threshold value of each index score, and is obtained according to the risk threshold value
To the risk score of each risk indicator;
Index is worth to unit, for being added each risk score to obtain the index value of the risk indicator.
8. the financing risk control device described according to claim 6 or 7, which is characterized in that the financing risk control device,
Further include:
Update adjustment module, for establishing data training set according to big data analysis to the user information, and according to the number
According to the sampling analysis of training set to the risk threshold value and the corresponding wind of the risk threshold value of the risk indicator, the risk indicator
Dangerous score is updated adjustment.
9. a kind of financing risk control device, including memory, processor and it is stored in the memory and can be described
The computer program run on processor, which is characterized in that the processor realizes such as right when executing the computer program
It is required that the step of any one of 1 to 4 financing risk control method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, feature to exist
In realization financing risk control method as described in any one of claims 1 to 4 when the computer program is executed by processor
The step of.
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