CN109035006A - The method and its system of risk monitoring and control after a kind of loan - Google Patents
The method and its system of risk monitoring and control after a kind of loan Download PDFInfo
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- CN109035006A CN109035006A CN201810897932.9A CN201810897932A CN109035006A CN 109035006 A CN109035006 A CN 109035006A CN 201810897932 A CN201810897932 A CN 201810897932A CN 109035006 A CN109035006 A CN 109035006A
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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
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention belongs to financial risks to take precautions against applied technical field, and the method for specifically disclosing risk monitoring and control after a kind of loan includes the following steps, risk monitoring and control system typing debit's essential information after loan；Risk monitoring and control system acquires the behavior of making out an invoice of debit in real time after loan；Acquisition information is transmitted to background server in real time by risk monitoring and control system after loan；Risk monitoring and control cleaning systems debit makes out an invoice behavioural information after loan, with big data technology analysis modeling, identifies the operations risks of debit, and carry out early warning grading to risk；Risk-warning after loan is notified credit side by risk monitoring and control system after loan；Investigation result is fed back to risk monitoring and control system by credit side；Risk monitoring and control system is modified the behavioural characteristic of making out an invoice of the enterprise.The beneficial effects of the present invention are: its design structure is reasonable, by acquiring the behavior of making out an invoice of debit in real time, using big data modeling analysis, finds that enterprise operation is abnormal in time, solves real-time, validity and the accuracy rate of risk monitoring and control after borrowing.
Description
Technical field
The invention belongs to financial risks to take precautions against applied technical field, and in particular to after a kind of loan the method for risk monitoring and control and its
System.
Background technique
Medium and small micro- enterprise is carrying innovation undertaking, is adjusting economic structure, and it is heavy to closing to ensure that employment people's livelihood etc. is played
The effect wanted；The Chinese government encourages bank and other financial mechanism to help medium and small micro- enterprise, and service entities economy wards off great wind
Danger.
The most of data such as medium and small micro- enterprise internal management lack of standardization, information announcing is asymmetric, financial statement in China at present
It is difficult to react truth.
To risk management after the loan of medium and small micro- enterprise, bank and other financial mechanism still using traditional manual research mode come
It identifies risk, leads to higher human cost expense, and be difficult to timely comprehensive and accurate identification risk, there is an urgent need to automatic
Change system efficiently to manage risk after loan.
Therefore, based on the above issues, the present invention provides the method and its system of risk monitoring and control after a kind of loan.
Summary of the invention
Goal of the invention: the object of the present invention is to provide the method and its system of risk monitoring and control after a kind of loan, design structures
Rationally, by acquiring the behavior of making out an invoice of debit in real time, using big data modeling analysis, find that enterprise operation is abnormal, solves in time
The real-time, validity and accuracy rate of risk monitoring and control after loan.
Technical solution: an aspect of of the present present invention provides a kind of method of risk monitoring and control after loan, includes the following steps, wind after loan
Dangerous monitoring system typing debit's essential information；Risk monitoring and control system acquires the behavior of making out an invoice of debit in real time after loan；Risk is supervised after loan
Acquisition information is transmitted to background server in real time by control system；Risk monitoring and control cleaning systems debit makes out an invoice behavioural information after loan, fortune
With big data technology analysis modeling, the operations risks of debit are identified, and early warning grading is carried out to risk；Risk monitoring and control system after loan
Risk-warning after loan is notified into credit side；Investigation result is fed back to risk monitoring and control system by credit side；Risk monitoring and control system is to the enterprise
Behavioural characteristic of making out an invoice be modified.
The technical program, in the typing debit essential information, debit is expected feature typing risk monitoring and control system by credit side
It unites, risk monitoring and control system makes out an invoice behavioural characteristic according to enterprise to identify risk after loan, starts risk monitoring and control after borrowing to enterprise
When, credit side need to provide initial foundation by the dominant basic behavioural characteristic typing of enterprise, and for risk monitoring and control system after loan.
The technical program, after the loan risk monitoring and control system acquire in real time debit make out an invoice behavior when, for ensure credit side
Refund that can be timely, full-amount, operating income are crucial, risk monitoring and control system making out an invoice debit after loan as the first refund source
Behavior is as main information source, to analyze the business condition of credit side.
The technical program, risk monitoring and control system acquisition enterprise makes out an invoice behavior after the loan, include but is not limited to make out an invoice it is soft
The opening and closing of part, the operation frequency of the network transmission state for software of making out an invoice and software of making out an invoice.
The technical program, risk monitoring and control system will acquire information real-time transmission into background server after the loan, borrow
Risk monitoring and control system will acquire information real-time transmission and store to background server afterwards, provide information to source for subsequent analysis.
The technical program, risk monitoring and control cleaning systems debit makes out an invoice in behavioural information after the loan, risk monitoring and control after loan
System pre-processes acquisition information, and when pretreatment extracts characteristic information, including according to belonging to data source IP locating business
Area, the frequency of making out an invoice daily, the frequency of making out an invoice weekly, monthly number of days of making out an invoice, monthly make out an invoice the frequency and longest not at number of days of making out an invoice weekly
It makes out an invoice number of days.
The technical program, it is described to use big data technology analysis modeling, it identifies in the operations risks of debit, by split
The analysis of ticket behavior, risk monitoring and control system will identify that the operations risks of enterprise after loan, while be divided into the risk identification of enterprise
Two class risks and both of which index；The two classes risk indicator is to manage progression risk and risk of stopping doing business, risk monitoring and control after loan
The system the case where frequency is substantially reduced that will make out an invoice is identified as managing progression risk, will there is the case where not making out an invoice for quite a long time identification
For risk of stopping doing business；Described two modes be reference model and enterprise's custom model, when the enterprise of acquisition make out an invoice behavior it is inadequate when,
Risk monitoring and control system is using matched sample companies group as the reference frame of threshold value of warning after loan, when the enterprise of acquisition makes out an invoice row
When for abundance, group of risk monitoring and control system accurate matched sample enterprise after loan, in combination with the exclusive behavior of making out an invoice of debit enterprise
Reference frame of the mode as threshold value of warning；It is described to use big data technology analysis modeling, and risk is carried out in early warning grading,
The enterprise that risk monitoring and control system collects different regions different industries different scales different phase in advance after loan makes out an invoice behavioural information, is
Big data analysis provides and as reference sample, and with the development of business, risk monitoring and control system will receive the debit of monitoring after loan
Reference sample is added in enterprise, while according to different threshold intervals, the operations risks identified correspond to different warning grades.
The technical program, the operations risks according to different threshold intervals, identified correspond to different early warning etc.
Grade is divided into 3 risk class, and it is red early warning that wherein risk is higher, general risk is yellow early warning, without obvious wind
Danger is green early warning.
Another aspect of the present invention provides a kind of system of risk monitoring and control after loan, and the data acquisition including being used in combination is single
Member, data transfer unit, data storage cell, data processing unit, risk judging unit, early warning push unit and feedback receive
Unit；The data acquisition unit, for acquiring monitoring basic data relevant to debit；The data transfer unit, is used for
It is transmitted to monitoring basic data relevant to debit is acquired；The data storage cell, for being passed to data transfer unit
The acquisition sent monitoring basic data relevant to debit stores；The data processing unit, for data storage cell
Relevant to the debit monitoring basic data of acquisition carry out feature of risk identification and pattern analysis；The risk judging unit, it is right
The feature of risk identification of data processing unit and pattern analysis result are determined；The early warning push unit determines risk
The warning data information that unit determines is pushed；The feedback receiving unit, for receiving the pre- of early warning push unit push
It warns data information and makes a choice, and selection receipt information is fed back into data processing unit.
The technical program, Risk-warning notice is borrowed after the early warning push unit of risk monitoring and control system will be borrowed after the loan
Side, wherein advice method includes but is not limited to short message, mail, telephone message, the push of mobile phone A pp message, wechat public platform；Work as wind
When dangerous warning grade is lower, Risk-warning after loan will not be notified credit side by risk monitoring and control system after loan；Risk monitoring and control system after loan
Feedback receiving unit in, credit side receive Risk-warning notice after, debit is investigated, and investigation result is fed back into loan
The data acquisition unit of risk monitoring and control system afterwards, and the feedback that the data storage cell storage of risk monitoring and control system receives after loan
Information；The data information that credit side is fed back by risk monitoring and control system feedback receiving unit after borrowing to the threshold value of warning of debit enterprise into
Row amendment, further promotes the accuracy rate of risk identification.
Compared with prior art, the method for risk monitoring and control and its beneficial effect of system are after a kind of loan of the invention:
Its design structure is reasonable, and the behavior of making out an invoice by acquiring debit in real time finds enterprise operation using big data modeling analysis in time
It is abnormal, solve real-time, validity and the accuracy rate of risk monitoring and control after borrowing.
Detailed description of the invention
Fig. 1 is the workflow structure schematic diagram of the method for risk monitoring and control after a kind of loan of the invention；
Fig. 2 is the expected feature typing structural schematic diagram of debit of the method for risk monitoring and control after a kind of loan of the invention；
Fig. 3 is the reception data information structure signal of the feedback receiving unit of the method for risk monitoring and control after a kind of loan of the invention
Figure；
Fig. 4 is the structural schematic diagram of risk monitoring and control system after a kind of loan of the invention；
Fig. 5 is the analysis structural schematic diagram of the data processing unit of risk monitoring and control system after a kind of loan of the invention；
Fig. 6 is 3 risk class structural schematic diagrams of the risk judging unit of risk monitoring and control system after a kind of loan of the invention.
Specific embodiment
In the following with reference to the drawings and specific embodiments, the present invention is furture elucidated.
Embodiment
As shown in Figure 1, Figure 2, after Fig. 3, Fig. 5 and a kind of loan shown in fig. 6 risk monitoring and control method, include the following steps, after loan
Risk monitoring and control system typing debit's essential information；Risk monitoring and control system acquires the behavior of making out an invoice of debit in real time after loan；Risk after loan
Acquisition information is transmitted to background server in real time by monitoring system；Risk monitoring and control cleaning systems debit makes out an invoice behavioural information after loan,
With big data technology analysis modeling, the operations risks of debit are identified, and early warning grading is carried out to risk；Risk monitoring and control system after loan
Risk-warning after loan is notified credit side by system；Investigation result is fed back to risk monitoring and control system by credit side；Risk monitoring and control system is to the enterprise
The behavioural characteristic of making out an invoice of industry is modified.
It is further preferred that debit is expected feature typing risk monitoring and control system by credit side in the typing debit essential information
It unites, risk monitoring and control system makes out an invoice behavioural characteristic according to enterprise to identify risk after loan, starts risk monitoring and control after borrowing to enterprise
When, credit side need to provide initial foundation by the dominant basic behavioural characteristic typing of enterprise, and for risk monitoring and control system after loan.It is described
After loan risk monitoring and control system acquire in real time debit make out an invoice behavior when, for ensure credit side can be timely, full-amount refund, operating income
It is key as the first refund source, risk monitoring and control system is come using the behavior of making out an invoice of debit as main information source after loan
Analyze the business condition of credit side.Risk monitoring and control system acquisition enterprise makes out an invoice behavior after the loan, includes but is not limited to software of making out an invoice
Opening and closing, the network transmission state for software of making out an invoice and the operation frequency of software of making out an invoice.Risk monitoring and control system after the loan
Information real-time transmission will be acquired into background server, risk monitoring and control system will acquire information real-time transmission to background service after loan
Device storage provides information to source for subsequent analysis.During risk monitoring and control cleaning systems debit makes out an invoice behavioural information after the loan, borrow
Risk monitoring and control system pre-processes acquisition information afterwards, and when pretreatment extracts characteristic information, including fixed according to data source IP
Area belonging to the enterprise of position, the frequency of making out an invoice daily, number of days of making out an invoice weekly, the frequency of making out an invoice weekly, monthly number of days of making out an invoice, monthly frequency of making out an invoice
Secondary and longest is not made out an invoice number of days.It is described to use big data technology analysis modeling, it identifies in the operations risks of debit, by making out an invoice
The analysis of behavior, risk monitoring and control system will identify that the operations risks of enterprise after loan, while be divided into two to the risk identification of enterprise
Class risk and both of which index；The two classes risk indicator is to manage progression risk and risk of stopping doing business, risk monitoring and control system after loan
The system the case where frequency is substantially reduced that will make out an invoice is identified as managing progression risk, will have the case where not making out an invoice for quite a long time to be identified as
It stops doing business risk；Described two modes be reference model and enterprise's custom model, when the enterprise of acquisition make out an invoice behavior it is inadequate when, borrow
Risk monitoring and control system is using matched sample companies group as the reference frame of threshold value of warning afterwards, when the enterprise of acquisition makes out an invoice behavior
When sufficient, group of risk monitoring and control system accurate matched sample enterprise after loan, in combination with the exclusive behavior mould of making out an invoice of debit enterprise
Reference frame of the formula as threshold value of warning；It is described to use big data technology analysis modeling, and risk is carried out in early warning grading, it borrows
The enterprise that risk monitoring and control system collects different regions different industries different scales different phase in advance afterwards behavioural information of making out an invoice (is based on
The interior raw correlation for movement and the business performance of making out an invoice is realized by the movement of making out an invoice of trace analysis enterprise in conjunction with big data analysis
To being monitored after the loan of enterprise), it is provided for big data analysis and as reference sample, with the development of business, risk monitoring and control after loan
Reference sample is added in the debit enterprise for receiving monitoring by system, while according to different threshold intervals, the operations risks identified
According to different threshold intervals described in corresponding different warning grade, the operations risks identified correspond to different warning grade point
For 3 risk class, it is red early warning that wherein risk is higher, general risk is yellow early warning, without obvious risk
For green early warning.
As Fig. 4 a kind of loan after risk monitoring and control system, including data acquisition unit, the data transmission list being used in combination
Member, data storage cell, data processing unit, risk judging unit, early warning push unit and feedback receiving unit；The data
Acquisition unit, for acquiring monitoring basic data relevant to debit；The data transfer unit, for acquisition and debit's phase
The monitoring basic data of pass is transmitted；The data storage cell, acquisition and debit for being transmitted to data transfer unit
Relevant monitoring basic data is stored；The data processing unit, for the acquisition and debit's phase to data storage cell
The monitoring basic data of pass carries out feature of risk identification and pattern analysis；The risk judging unit, to data processing unit
Feature of risk identification and pattern analysis result are determined；The early warning push unit, the early warning that risk judging unit is determined
Data information is pushed；The feedback receiving unit, for receiving the warning data information and work of the push of early warning push unit
It selects out, and selection receipt information is fed back into data processing unit.
It is further preferred that Risk-warning notice is borrowed after the early warning push unit of risk monitoring and control system will be borrowed after the loan
Side, wherein advice method includes but is not limited to short message, mail, telephone message, the push of mobile phone A pp message, wechat public platform；Work as wind
When dangerous warning grade is lower, Risk-warning after loan will not be notified credit side by risk monitoring and control system after loan；Risk monitoring and control system after loan
Feedback receiving unit in, credit side receive Risk-warning notice after, debit is investigated, and investigation result is fed back into loan
The data acquisition unit of risk monitoring and control system afterwards, and the feedback that the data storage cell storage of risk monitoring and control system receives after loan
Information；The data information that credit side is fed back by risk monitoring and control system feedback receiving unit after borrowing to the threshold value of warning of debit enterprise into
Row amendment, further promoted risk identification accuracy rate, be specifically exactly, receiving if it is " risk has occurred " or " have
Certain risk " does not make any amendment then；If early warning is followed by being considered correction threshold by " risk does not occur ", it is invalid to reduce
Early warning.
Risk monitoring and control cleaning systems debit makes out an invoice behavioural information after the loan of risk monitoring and control method after a kind of loan of the invention, fortune
When with big data technology analysis modeling, the invalid letter generated due to the influences such as network failure or software anomaly of making out an invoice is got rid of first
Breath, secondly existing a variety of softwares of making out an invoice in China, cleaning debit makes out an invoice behavioural information will be from a variety of software collections of making out an invoice to row of making out an invoice
To be mapped to same benchmark, reach the consistency of data, finally according to system requirements, the information that will make out an invoice, which is converted into, is easy to computer
The data structure and data type for understanding and calculating.
The above is only a preferred embodiment of the present invention, it is noted that for the ordinary skill people of the art
It for member, without departing from the principle of the present invention, can also make several improvements, these improvement also should be regarded as of the invention
Protection scope.
Claims (10)
1. a kind of method of risk monitoring and control after loan, it is characterised in that: include the following steps,
Risk monitoring and control system typing debit's essential information after loan；
Risk monitoring and control system acquires the behavior of making out an invoice of debit in real time after loan；
Acquisition information is transmitted to background server in real time by risk monitoring and control system after loan；
Risk monitoring and control cleaning systems debit behavioural information of making out an invoice with big data technology analysis modeling identifies the fortune of debit after loan
Risk is sought, and early warning grading is carried out to risk；
Risk-warning after loan is notified credit side by risk monitoring and control system after loan；
Investigation result is fed back to risk monitoring and control system by credit side；
Risk monitoring and control system is modified the behavioural characteristic of making out an invoice of the enterprise.
2. the method for risk monitoring and control after a kind of loan according to claim 1, it is characterised in that: the typing debit believes substantially
In breath, credit side is by the expected feature typing risk monitoring and control system of debit, and risk monitoring and control system is made out an invoice behavioural characteristic according to enterprise after loan
Identify risk, when starting risk monitoring and control after borrowing to enterprise, credit side need to by the dominant basic behavioural characteristic typing of enterprise,
And initial foundation is provided for risk monitoring and control system after loan.
3. the method for risk monitoring and control after a kind of loan according to claim 1, it is characterised in that: risk monitoring and control system after the loan
System in real time acquisition debit make out an invoice behavior when, for ensure credit side can be timely, full-amount refund, operating income as first refund come
Source is key, and risk monitoring and control system is using the behavior of making out an invoice of debit as main information source after loan, to analyze the business of credit side
Situation.
4. the method for risk monitoring and control after a kind of loan according to claim 3, it is characterised in that: risk monitoring and control system after the loan
System acquisition enterprise makes out an invoice behavior, includes but is not limited to the opening and closing of software of making out an invoice, the network transmission state for software of making out an invoice and
It makes out an invoice the operation frequency of software.
5. the method for risk monitoring and control after a kind of loan according to claim 1, it is characterised in that: risk monitoring and control system after the loan
System will acquire information real-time transmission into background server, and risk monitoring and control system will acquire information real-time transmission and take to backstage after loan
Business device storage provides information to source for subsequent analysis.
6. the method for risk monitoring and control after a kind of loan according to claim 1, it is characterised in that: risk monitoring and control system after the loan
System cleaning debit makes out an invoice in behavioural information, and risk monitoring and control system pre-processes acquisition information after loan, and when pretreatment extracts special
Reference breath, including according to area belonging to data source IP locating business, the frequency of making out an invoice daily, is made out an invoice weekly at number of days of making out an invoice weekly
The frequency, monthly makes out an invoice the frequency and longest is not made out an invoice number of days at monthly number of days of making out an invoice.
7. the method for risk monitoring and control after a kind of loan according to claim 1, it is characterised in that: described to use big data technology
Analysis modeling identifies in the operations risks of debit, and by the analysis to the behavior of making out an invoice, risk monitoring and control system will identify that enterprise after loan
The operations risks of industry, while being divided to the two class risks to be and both of which index the risk identification of enterprise；
The two classes risk indicator is to manage progression risk and stop doing business risk, and the risk monitoring and control system frequency that will make out an invoice obviously drops after loan
Low situation is identified as managing progression risk, will have the case where not making out an invoice for quite a long time to be identified as risk of stopping doing business；
Described two modes are reference model and enterprise's custom model, when the enterprise of acquisition make out an invoice behavior it is inadequate when, wind after loan
Dangerous monitoring system is using matched sample companies group as the reference frame of threshold value of warning, when the enterprise of acquisition makes out an invoice behavior abundance
When, group of risk monitoring and control system accurate matched sample enterprise after loan makees in combination with the exclusive behavior pattern of making out an invoice of debit enterprise
For the reference frame of threshold value of warning；
It is described to use big data technology analysis modeling, and risk is carried out in early warning grading, risk monitoring and control system is received in advance after loan
The enterprise of collection different regions different industries different scales makes out an invoice behavioural information, provides for big data analysis and as reference sample,
With the development of business, reference sample is added in the debit enterprise for receiving monitoring by risk monitoring and control system after loan, while according to difference
Threshold interval, the operations risks identified correspond to different warning grades.
8. the method for risk monitoring and control after a kind of loan according to claim 1, it is characterised in that: described according to different threshold values
Section, the operations risks identified correspond to different warning grades and are divided into 3 risk class, and wherein risk is higher for red
It is yellow early warning that early warning, risk be general, without obvious risk is green early warning.
9. the system of risk monitoring and control after a kind of loan, it is characterised in that: including be used in combination data acquisition unit, data transmission
Unit, data storage cell, data processing unit, risk judging unit, early warning push unit and feedback receiving unit；
The data acquisition unit, for acquiring monitoring basic data relevant to debit；
The data transfer unit, for being transmitted to acquisition monitoring basic data relevant to debit；
The data storage cell, the acquisition monitoring basic data relevant to debit for transmitting to data transfer unit carry out
Storage；
The data processing unit carries out risk for the acquisition monitoring basic data relevant to debit to data storage cell
Feature identification and pattern analysis；
The risk judging unit determines the feature of risk identification of data processing unit and pattern analysis result；
The early warning push unit, the warning data information determined risk judging unit push；
The feedback receiving unit, for receiving the warning data information of early warning push unit push and making a choice, and will choosing
It selects receipt information and feeds back to data processing unit.
10. the system of risk monitoring and control after a kind of loan according to claim 9, it is characterised in that: risk monitoring and control after the loan
Risk-warning after loan is notified credit side by the early warning push unit of system, and wherein advice method includes but is not limited to short message, mail, electricity
Words message, the push of mobile phone A pp message, wechat public platform；When Risk-warning grade is lower, risk monitoring and control system will not be incited somebody to action after loan
Risk-warning notifies credit side after loan；After loan in the feedback receiving unit of risk monitoring and control system, credit side receives Risk-warning notice
Afterwards, debit is investigated, and investigation result is fed back to the data acquisition unit of risk monitoring and control system after loan, and risk after loan
The feedback information that the data storage cell storage of monitoring system receives；Credit side is received single by risk monitoring and control system feedback after borrowing
Member feedback data information the threshold value of warning of debit enterprise is modified, receiving if it is " risk has occurred " or " have one
Determine risk ", then do not make any amendment；If early warning is followed by being considered correction threshold by " risk does not occur ", reduce invalid pre-
It is alert.
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