CN110246032A - Risk monitoring and control method, apparatus and computer readable storage medium after loan - Google Patents
Risk monitoring and control method, apparatus and computer readable storage medium after loan Download PDFInfo
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- CN110246032A CN110246032A CN201910551777.XA CN201910551777A CN110246032A CN 110246032 A CN110246032 A CN 110246032A CN 201910551777 A CN201910551777 A CN 201910551777A CN 110246032 A CN110246032 A CN 110246032A
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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 discloses a kind of risk monitoring and control methods after loan, this method comprises: obtaining each corresponding first risk class of the first monitoring categorical data of enterprise to be assessed, and the corresponding first risk portrait rank of enterprise to be assessed is obtained according to first risk class；Based on the corporate message of enterprise to be assessed, each corresponding second risk class of the second monitoring categorical data is obtained, and according to the corresponding second risk portrait rank of legal person that second risk class obtains enterprise to be assessed；According to the first risk portrait rank and the second risk portrait rank, the corresponding risk monitoring and control disposition of enterprise to be assessed is determined.The invention also discloses risk monitoring and control device after a kind of loan and a kind of computer readable storage mediums.Manual research identifies risk cost height, low efficiency, cannot accurately identify the problem of risk comprehensively after the present invention is able to solve loan.
Description
Technical field
The present invention relates to financial monitoring technical field, more particularly to risk monitoring and control method, apparatus and computer-readable after borrowing
Storage medium.
Background technique
Risk management after borrowing to enterprise, bank and other financial mechanism is often excessively dependent on guaranty as second at present
Road defence line is ignored after this first of risk mitigation defence line of refund source is borrowed and is monitored, even if risk monitoring and control is arranged after taking loan
It applies, and risk is identified by traditional manual research, and the mode of manual research, to the quantity and professional ability of investigator
There is certain requirement, leads to higher human cost expense, and manual research speed is slow, low efficiency, lead to investigation indirectly
Frequency is low, and mostly half a year is once or annually；
On the other hand, manual research Risk Monitoring derived data dimension is single, and mostly enterprise voluntarily provides, such as finance report
Table, and the subjectivity of manual examination and verification is strong, accordingly, it is difficult to comprehensive and accurate identification risk in time.
Summary of the invention
It is a primary object of the present invention to propose risk monitoring and control method, apparatus and computer-readable storage medium after a kind of loan
Matter, it is intended to solve the problems, such as manual research identification risk cost height after borrowing, low efficiency, risk cannot be accurately identified comprehensively.
To achieve the above object, the present invention provides a kind of risk monitoring and control method after loan, and described method includes following steps:
Obtain each first corresponding first risk class of monitoring categorical data of enterprise to be assessed, and according to described the
One risk class obtains the corresponding first risk portrait rank of enterprise to be assessed；
Based on the corporate message of enterprise to be assessed, each corresponding second risk of the second monitoring categorical data etc. is obtained
Grade, and according to the corresponding second risk portrait rank of legal person that second risk class obtains enterprise to be assessed；
According to the first risk portrait rank and the second risk portrait rank, determine at the corresponding risk monitoring and control of enterprise to be assessed
It sets.
Preferably, described each corresponding first risk class of the first monitoring categorical data for obtaining enterprise to be assessed,
And the step of obtaining enterprise to be assessed corresponding first risk portrait rank according to first risk class, includes:
Obtain each first monitoring categorical data and the corresponding default wind of the first monitoring classification of enterprise to be assessed
Dangerous grading index；
Based on the first monitoring categorical data and the default risk class index, each first monitoring class is confirmed respectively
Corresponding first risk class of other data, and corresponding first risk of enterprise to be assessed is obtained according to first risk class and is drawn
As rank.
Preferably, described each corresponding first risk class of the first monitoring categorical data for obtaining enterprise to be assessed,
And the step of obtaining enterprise to be assessed corresponding first risk portrait rank according to first risk class, includes:
Obtain each corresponding first risk class of the first monitoring categorical data of enterprise to be assessed；
The first risk class is counted, obtains risk class statistical result, and according to risk class statistical result and default picture
As level index, the corresponding first risk portrait rank of enterprise to be assessed is confirmed.
Preferably, the first monitoring categorical data includes: that enterprise borrows or lends money overdue information, income information, customer information, receives
Hunger and thirst information, enterprise of tax information, business capital is performed information and/or enterprise assets quality information.
Preferably, the second monitoring categorical data includes: personal reference information, the overdue information of personal debt-credit, personal money
Gold hunger and thirst information, personal asset quality information, relate to tell be performed information, break laws and commit crime suspicion roster information, list of breaking one's promise, limit
High consumption information processed and/or limitation entry and exit information.
Preferably, the risk monitoring and control disposition includes: that risk monitoring and control freezes to dispose, described according to the first risk portrait rank
With the second risk portrait rank, determine that the step of corresponding risk monitoring and control of enterprise to be assessed is disposed includes:
First risk portrait rank and the second risk portrait rank are counted, risk portrait level result is obtained, and
Confirm whether enterprise to be assessed meets default risk monitoring and control freezing condition according to risk portrait result；
When enterprise to be assessed meets default risk monitoring and control freezing condition, determine at the corresponding risk monitoring and control of enterprise to be assessed
It is set to risk monitoring and control to freeze to dispose, and generates and freeze warning information, be sent to the corresponding default terminal of credit side.
Preferably, the risk monitoring and control disposition includes: the disposition of emphasis Risk Monitoring, described according to risk portrait result confirmation
After whether enterprise to be assessed meets the step of default risk monitoring and control freezing condition, the method also includes:
When enterprise to be assessed is unsatisfactory for default risk monitoring and control freezing condition, enterprise to be assessed is confirmed according to risk portrait result
Whether industry meets default emphasis Risk Monitoring condition；
When risk portrait result confirms that enterprise to be assessed meets default emphasis Risk Monitoring condition, enterprise to be assessed is determined
Corresponding risk monitoring and control disposition is that emphasis Risk Monitoring is disposed, and generates emphasis monitoring and warning information, and it is corresponding to be sent to credit side
Default terminal.
Preferably, the risk monitoring and control disposition includes: manual examination and verification disposition, described to be evaluated according to risk portrait result confirmation
After estimating the step of whether enterprise meets default emphasis Risk Monitoring condition, the method also includes:
When enterprise to be assessed is unsatisfactory for default emphasis Risk Monitoring condition, enterprise to be assessed is confirmed according to risk portrait result
Whether industry meets default manual examination and verification Disposal Conditions；
When risk portrait result confirms that enterprise to be assessed meets default manual examination and verification Disposal Conditions, enterprise to be assessed is determined
Corresponding risk monitoring and control disposition is that manual examination and verification are disposed, and generate manual examination and verification warning information, and it is corresponding default to be sent to credit side
Terminal.
In addition, to achieve the above object, the present invention also provides risk monitoring and control device after a kind of loan, described device includes: to deposit
It reservoir, processor and is stored on the memory and risk monitoring and control program after the loan that can be run on the processor, it is described
The step of risk monitoring and control method after borrowing as described above is realized when risk monitoring and control program is executed by the processor after loan.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
It is stored with risk monitoring and control program after borrowing on storage medium, realizes institute as above when risk monitoring and control program is executed by processor after the loan
After the loan stated the step of risk monitoring and control method.
The present invention obtains each first monitoring categorical data corresponding first of enterprise to be assessed by automated system
Risk class, and the corresponding first risk portrait rank of enterprise to be assessed is obtained based on to be assessed according to first risk class
The corporate message of enterprise obtains each corresponding second risk class of the second monitoring categorical data, and according to second wind
Dangerous grade obtains legal person's corresponding second risk portrait rank of enterprise to be assessed, is then drawn a portrait rank and the according to the first risk
Two risks are drawn a portrait rank, determine enterprise to be assessed corresponding risk monitoring and control disposition, solve after loan manual research identification risk at
This height, cannot accurately identify the problem of risk at low efficiency comprehensively, reduce risk identification cost, shorten examination & approval identification duration,
Improve the accuracy of risk identification efficiency and risk identification.
Detailed description of the invention
Fig. 1 is the terminal structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of risk monitoring and control method first embodiment after the present invention is borrowed；
Fig. 3 is the flow diagram of risk monitoring and control method second embodiment after the present invention is borrowed；
Fig. 4 is the flow diagram of risk monitoring and control method 3rd embodiment after the present invention is borrowed.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The primary solutions of the embodiment of the present invention are: obtaining each first monitoring categorical data pair of enterprise to be assessed
The first risk class answered, and the corresponding first risk portrait rank of enterprise to be assessed is obtained according to first risk class；
Based on the corporate message of enterprise to be assessed, each second corresponding second risk class of monitoring categorical data is obtained, and according to
The corresponding second risk portrait rank of the legal person that second risk class obtains enterprise to be assessed；According to the first risk portrait grade
Not with the second risk portrait rank, the corresponding risk monitoring and control disposition of enterprise to be assessed is determined.
Existing manual research identifies risk method, and quantity and professional ability to investigator have certain requirement,
Lead to higher human cost expense, and manual research speed is slow, low efficiency, causes the frequency of investigation low indirectly, mostly half a year
Once or annually, on the other hand, manual research Risk Monitoring derived data dimension is single, and mostly enterprise voluntarily provides, such as
Financial statement, and the subjectivity of manual examination and verification is strong, accordingly, it is difficult to comprehensive and accurate identification risk in time.
The present invention obtains each first monitoring categorical data corresponding first of enterprise to be assessed by automated system
Risk class, and the corresponding first risk portrait rank of enterprise to be assessed is obtained based on to be assessed according to first risk class
The corporate message of enterprise obtains each corresponding second risk class of the second monitoring categorical data, and according to second wind
Dangerous grade obtains legal person's corresponding second risk portrait rank of enterprise to be assessed, is then drawn a portrait rank and the according to the first risk
Two risks are drawn a portrait rank, determine enterprise to be assessed corresponding risk monitoring and control disposition, solve after loan manual research identification risk at
This height, cannot accurately identify the problem of risk at low efficiency comprehensively, reduce risk identification cost, shorten examination & approval identification duration,
Improve the accuracy of risk identification efficiency and risk identification.
As shown in Figure 1, Fig. 1 is the terminal structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
The terminal of that embodiment of the invention can be PC, be also possible to smart phone, tablet computer, MP4 (Moving Picture
Experts Group Audio Layer IV, dynamic image expert's compression standard audio level 3) player, portable computer
Etc. packaged type terminal device having a display function.
As shown in Figure 1, the terminal may include: processor 1001, such as CPU, network interface 1004, user interface
1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is for realizing the connection communication between these components.
User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user interface
1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include that the wired of standard connects
Mouth, wireless interface (such as WI-FI interface).Memory 1005 can be high speed RAM memory, be also possible to stable memory
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
Preferably, terminal can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, audio
Circuit, WiFi module etc..Wherein, sensor such as optical sensor, motion sensor and other sensors.Specifically, light
Sensor may include ambient light sensor and proximity sensor, wherein ambient light sensor can according to the light and shade of ambient light come
The brightness of display screen is adjusted, proximity sensor can close display screen and/or backlight when mobile terminal is moved in one's ear.As
One kind of motion sensor, gravity accelerometer can detect the size of (generally three axis) acceleration in all directions, quiet
Size and the direction that can detect that gravity when only, the application that can be used to identify mobile terminal posture are (such as horizontal/vertical screen switching, related
Game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, tap) etc.；Certainly, mobile terminal can also match
The other sensors such as gyroscope, barometer, hygrometer, thermometer, infrared sensor are set, details are not described herein.
It will be understood by those skilled in the art that the restriction of the not structure paired terminal of terminal structure shown in Fig. 1, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Risk monitoring and control program after believing module, Subscriber Interface Module SIM and borrowing.
In terminal shown in Fig. 1, network interface 1004 is mainly used for connecting background server, carries out with background server
Data communication；User interface 1003 is mainly used for connecting client (user terminal), carries out data communication with client；And processor
1001 can be used for calling risk monitoring and control program after the loan stored in memory 1005, and execute following operation:
Obtain each first corresponding first risk class of monitoring categorical data of enterprise to be assessed, and according to described the
One risk class obtains the corresponding first risk portrait rank of enterprise to be assessed；
Based on the corporate message of enterprise to be assessed, each corresponding second risk of the second monitoring categorical data etc. is obtained
Grade, and according to the corresponding second risk portrait rank of legal person that second risk class obtains enterprise to be assessed；
According to the first risk portrait rank and the second risk portrait rank, determine at the corresponding risk monitoring and control of enterprise to be assessed
It sets.
Further, processor 1001 can call risk monitoring and control program after the loan stored in memory 1005, also execute
It operates below: described each corresponding first risk class of the first monitoring categorical data for obtaining enterprise to be assessed, and according to
First risk class obtains the step of enterprise to be assessed corresponding first risk portrait rank and includes:
Obtain each first monitoring categorical data and the corresponding default wind of the first monitoring classification of enterprise to be assessed
Dangerous grading index；
Based on the first monitoring categorical data and the default risk class index, each first monitoring class is confirmed respectively
Corresponding first risk class of other data, and corresponding first risk of enterprise to be assessed is obtained according to first risk class and is drawn
As rank.
Further, processor 1001 can call risk monitoring and control program after the loan stored in memory 1005, also execute
It operates below: described each corresponding first risk class of the first monitoring categorical data for obtaining enterprise to be assessed, and according to
First risk class obtains the step of enterprise to be assessed corresponding first risk portrait rank and includes:
Obtain each corresponding first risk class of the first monitoring categorical data of enterprise to be assessed；
The first risk class is counted, obtains risk class statistical result, and according to risk class statistical result and default picture
As level index, the corresponding first risk portrait rank of enterprise to be assessed is confirmed.
Further, processor 1001 can call risk monitoring and control program after the loan stored in memory 1005, also execute
Operate below: the first monitoring categorical data includes: that enterprise borrows or lends money overdue information, income information, customer information, letter of paying taxes
Hunger and thirst information, enterprise of breath, business capital is performed information and/or enterprise assets quality information.
Further, processor 1001 can call risk monitoring and control program after the loan stored in memory 1005, also execute
Operate below: the second monitoring categorical data includes: personal reference information, individual borrows or lends money overdue information, individual bankroll is hungered and thirst
Information, personal asset quality information relate to and tell that being performed information, suspicion roster information of breaking laws and commit crime, list of breaking one's promise, limitation height disappears
Charge information and/or limitation entry and exit information.
Further, processor 1001 can call risk monitoring and control program after the loan stored in memory 1005, also execute
Operate below: the risk monitoring and control disposition includes: that risk monitoring and control freezes to dispose, described according to the first risk portrait rank and second
Risk portrait rank determines that the step of corresponding risk monitoring and control of enterprise to be assessed is disposed includes:
First risk portrait rank and the second risk portrait rank are counted, risk portrait level result is obtained, and
Confirm whether enterprise to be assessed meets default risk monitoring and control freezing condition according to risk portrait result；
When enterprise to be assessed meets default risk monitoring and control freezing condition, determine at the corresponding risk monitoring and control of enterprise to be assessed
It is set to risk monitoring and control to freeze to dispose, and generates and freeze warning information, be sent to the corresponding default terminal of credit side.
Further, processor 1001 can call risk monitoring and control program after the loan stored in memory 1005, also execute
Operate below: the risk monitoring and control disposition includes: the disposition of emphasis Risk Monitoring, described to be assessed according to risk portrait result confirmation
After whether enterprise meets the step of default risk monitoring and control freezing condition, the method also includes:
When enterprise to be assessed is unsatisfactory for default risk monitoring and control freezing condition, enterprise to be assessed is confirmed according to risk portrait result
Whether industry meets default emphasis Risk Monitoring condition；
When risk portrait result confirms that enterprise to be assessed meets default emphasis Risk Monitoring condition, enterprise to be assessed is determined
Corresponding risk monitoring and control disposition is that emphasis Risk Monitoring is disposed, and generates emphasis monitoring and warning information, and it is corresponding to be sent to credit side
Default terminal.
Further, processor 1001 can call risk monitoring and control program after the loan stored in memory 1005, also execute
Operate below: the risk monitoring and control disposition includes: manual examination and verification disposition, described to confirm enterprise to be assessed according to risk portrait result
After the step of whether satisfaction presets emphasis Risk Monitoring condition, the method also includes:
When enterprise to be assessed is unsatisfactory for default emphasis Risk Monitoring condition, enterprise to be assessed is confirmed according to risk portrait result
Whether industry meets default manual examination and verification Disposal Conditions；
When risk portrait result confirms that enterprise to be assessed meets default manual examination and verification Disposal Conditions, enterprise to be assessed is determined
Corresponding risk monitoring and control disposition is that manual examination and verification are disposed, and generate manual examination and verification warning information, and it is corresponding default to be sent to credit side
Terminal.
Based on above-mentioned hardware configuration, embodiment of the present invention method is proposed.
It is the flow diagram of the method for the present invention first embodiment referring to Fig. 2, Fig. 2, which comprises
Step S10 obtains each corresponding first risk class of the first monitoring categorical data of enterprise to be assessed, and root
The corresponding first risk portrait rank of enterprise to be assessed is obtained according to first risk class；
The embodiment of the present invention can be applied to terminal or server, obtain each first monitoring class of enterprise to be assessed
Other data, the first monitoring categorical data include: that enterprise borrows or lends money overdue information, income information, customer information, tax information, enterprise
Hunger and thirst information, enterprise of fund is performed information and/or enterprise assets quality information etc.；
According to the first monitoring categorical data and the first corresponding default risk class index of monitoring categorical data, confirmation the
Corresponding first risk class of one monitoring categorical data, presetting risk class index can be according to the first monitoring categorical data setting
5 level index.Such as: default risk class index is as shown in table 1, borrows or lends money overdue letter in the enterprise for getting enterprise to be assessed
Breath (the first monitoring categorical data) has overdue and overdue do not refund to surpass 7 days for 12 months before being the current monitor time, then to be assessed
It is 4 grades that the enterprise of enterprise, which borrows or lends money corresponding first risk class of overdue information, for another example takes in information (the first monitoring categorical data)
It earned a large income for continuous three months or more before the current monitor time, then corresponding first risk of the income information of enterprise to be assessed etc.
Grade is 1 grade, and those skilled in the art, which is to be understood that, to be only intended to here for example, should not be construed as to the present invention
Limitation.
Table 1: default risk class index
The corresponding first risk portrait rank of enterprise to be assessed is obtained according to first risk class, counts the first risk
Grade obtains risk class statistical result, and according to risk class statistical result and default portrait level index, confirms to be assessed
The corresponding first risk portrait rank of enterprise, default portrait level index is as shown in table 2, such as: the first predetermined number is 2,
When the number that the first risk class is 5 grades is 3, then the corresponding first risk portrait rank of enterprise to be assessed is V grade, i.e.,
First risk portrait rank be it is very poor, if the second predetermined number be 3, be 0, be 4 in the number that the first risk class is 5 grades
At number 4 of grade, then enterprise to be assessed corresponding first risk portrait rank is IV grade, i.e. the rank of the first risk portrait is
Very poor, those skilled in the art, which is to be understood that, to be only intended to here for example, should not be construed as to limit of the invention
System.
Table 2: default portrait level index
Step S20 obtains each second monitoring categorical data corresponding second based on the corporate message of enterprise to be assessed
Risk class, and according to the corresponding second risk portrait rank of legal person that second risk class obtains enterprise to be assessed；
Based on the corporate message of enterprise to be assessed, each second monitoring categorical data, the second monitoring categorical data are obtained
May include: personal reference information, it is personal borrow or lend money overdue information, individual bankroll hunger and thirst information, personal asset quality information, relate to and tell
It is performed information, suspicion roster information of breaking laws and commit crime, list of breaking one's promise, limitation high consumption information and/or limitation entry and exit information；
According to the second monitoring categorical data and the corresponding predetermined level index of the second monitoring categorical data, the second prison of confirmation
Corresponding second risk class of categorical data is controlled, 5 ranks can be arranged according to the second monitoring categorical data in predetermined level index
Index.Such as: predetermined level index is as shown in table 3, borrows or lends money overdue information (the in the individual for getting the legal person of enterprise to be assessed
Two monitoring categorical datas) be the current monitor time before phase individual's reference scoring be less than or equal to the first default scoring, then to
Corresponding first risk class of personal reference information for assessing the legal person of enterprise is 4 grades, for another example personal asset quality information (second
Monitoring categorical data) it is to have in " credit card " detail to have abnormal, the then personal asset quality information of the legal person of enterprise to be assessed
Corresponding second risk class is 5 grades, and those skilled in the art, which is to be understood that, to be only intended to here for example, not
It is interpreted as limitation of the present invention.
Table 3: predetermined level index
The corresponding second risk portrait rank of the legal person that enterprise to be assessed is obtained according to second risk class, statistics the
Two risk class obtain statistical risk level results, and according to statistical risk level results and pre-set level portrait index, confirmation
The corresponding second risk portrait rank of the legal person of enterprise to be assessed, pre-set level portrait index is as shown in table 4, such as: the 5th is pre-
If number is 2, when the number that the second risk class is 5 grades is 3, then corresponding second risk of enterprise to be assessed is drawn a portrait grade
Wei not be V grade, i.e. the rank of the second risk portrait is very poor, is 5 grades in the second risk class if the 6th predetermined number is 3
Number is 0, be 4 grades number 4 when, then the corresponding second risk portrait rank of enterprise to be assessed is IV grade, i.e. the second risk
The rank of portrait be it is very poor, those skilled in the art, which is to be understood that, to be only intended to here for example, should not be construed as
Limitation of the present invention.
Table 4: pre-set level portrait index
Step S30 determines the corresponding wind of enterprise to be assessed according to the first risk portrait rank and the second risk portrait rank
Danger monitoring disposition.
In embodiment, according to the first risk portrait rank and the second risk portrait rank, determine that enterprise to be assessed is corresponding
Risk monitoring and control disposition, risk monitoring and control disposition include risk monitoring and control freezes disposition, emphasis Risk Monitoring disposition, manual examination and verification disposition
Or general monitoring disposition；
In embodiment, the first risk portrait rank and the second risk portrait rank are counted, obtains risk portrait
Level result, and confirm whether enterprise to be assessed meets default risk monitoring and control freezing condition according to risk portrait result；Meeting
When default risk monitoring and control freezing condition, determine that the corresponding risk monitoring and control disposition of enterprise to be assessed is freezed to dispose for risk monitoring and control, and
Warning information is freezed in generation, is sent to the corresponding default terminal of credit side；
When being unsatisfactory for default risk monitoring and control freezing condition, confirm whether enterprise to be assessed meets according to risk portrait result
Default emphasis Risk Monitoring condition determines the corresponding risk prison of enterprise to be assessed when meeting default emphasis Risk Monitoring condition
Control disposition is that emphasis Risk Monitoring is disposed, and generates emphasis monitoring and warning information, the corresponding default terminal of credit side is sent to, not
When meeting default emphasis Risk Monitoring condition, artificial examine is preset according to whether risk portrait result confirmation meets enterprise to be assessed
Core Disposal Conditions；When meeting default manual examination and verification Disposal Conditions, determine that the corresponding risk monitoring and control disposition of enterprise to be assessed is people
Work audit disposition, and manual examination and verification warning information is generated, it is sent to the corresponding default terminal of credit side, is being unsatisfactory for presetting artificial examine
When core Disposal Conditions, determine that the corresponding risk monitoring and control disposition of enterprise to be assessed is disposed for general monitoring, and it is pre- to generate general monitoring
Alert information, is shown in terminal.
It may include: that the first risk draws a portrait rank as V grade, the second risk portrait that default risk monitoring and control, which freezes Disposal Conditions,
Rank is V grade, the first risk portrait rank and the second risk portrait are IV grade, the first risk portrait rank is III grade and the
Two risks portrait is IV grade or the first risk portrait rank is IV grade and the second risk portrait is III grade；
Default emphasis Risk Monitoring Disposal Conditions may include: the first risk portrait rank and the second risk portrait is III
Grade；
Default manual examination and verification Disposal Conditions may include: that the first risk portrait rank is III grade or the second risk portrait rank
For II grade, the first risk draw a portrait rank be II grade or the second risk draw a portrait rank be III grade or the first risk draw a portrait rank and
Second risk portrait is II grade；
Presetting general monitoring Disposal Conditions may include: that the first risk draws a portrait rank as II grade or the second risk portrait rank
It is I grade or the second risk rank of drawing a portrait is II grade for I grade, the first risk rank of drawing a portrait, the first risk is drawn a portrait rank and the second wind
Danger portrait is I grade.
In the embodiment of the present invention, each first monitoring categorical data pair of enterprise to be assessed is obtained by automated system
The first risk class answered, and the corresponding first risk portrait rank of enterprise to be assessed is obtained according to first risk class,
Based on the corporate message of enterprise to be assessed, each second corresponding second risk class of monitoring categorical data is obtained, and according to
The corresponding second risk portrait rank of the legal person that second risk class obtains enterprise to be assessed, then draws according to the first risk
As rank and the second risk portrait rank, determines the corresponding risk monitoring and control disposition of enterprise to be assessed, solve manual research after loan
Identification risk cost height, low efficiency, the problem of risk cannot be accurately identified comprehensively, reduce risk identification cost, shorten it is careful
Identification duration is criticized, the accuracy of risk identification efficiency and risk identification is improved.
It further, is the flow diagram of the method for the present invention second embodiment referring to Fig. 3, Fig. 3.It is real based on above-mentioned first
Example is applied, step S10 may include:
Step S11, each the first monitoring categorical data and the first monitoring classification for obtaining enterprise to be assessed respectively correspond
Default risk class index；
Obtain each first monitoring categorical data and the corresponding default wind of the first monitoring classification of enterprise to be assessed
Dangerous grading index obtains each first monitoring categorical data of enterprise to be assessed, and the first monitoring categorical data includes: that enterprise borrows
Borrow overdue information, hunger and thirst information, enterprise of income information, customer information, tax information, business capital is performed information and/or enterprise
Industry asset quality information etc., each first monitoring classification are corresponding with default risk class index, preset risk class index
As shown in table 1, details are not described herein.
Step S12, based on the first monitoring categorical data and default risk class index, confirm respectively each the
One corresponding first risk class of monitoring categorical data, and enterprise to be assessed corresponding the is obtained according to first risk class
One risk portrait rank.
Based on the first monitoring categorical data and the default risk class index, each first monitoring class is confirmed respectively
Corresponding first risk class of other data, corresponding first risk class of the first monitoring categorical data can be multiple, such as: it receives
Entering information (the first monitoring categorical data) is the default income of continuous six months or more incomes < the second before 0 < current monitor time
Number, and glide on year-on-year basis for 6 months before the current monitor time >=preset downslide numerical value, then take in corresponding first risk class of information
There are 4 grades and 3 grades, obtains the corresponding first risk portrait rank of enterprise to be assessed according to multiple first risk class.
In embodiments of the present invention, true respectively based on the first monitoring categorical data and the default risk class index
Recognize each corresponding first risk class of the first monitoring categorical data, and enterprise to be assessed is obtained according to first risk class
The corresponding first risk portrait rank of industry, is converted to the first risk class that can be assessed for abstract data content, comprehensive
First risk class be converted to the first risk portrait rank, realize according to first monitoring categorical data automatic intelligent identification to
Assess the risk of enterprise.
It further, is the flow diagram of risk monitoring and control method 3rd embodiment after the present invention is borrowed referring to Fig. 4, Fig. 4.Base
In above-mentioned first embodiment, step S10 may include:
Step S13 obtains each corresponding first risk class of the first monitoring categorical data of enterprise to be assessed；
Step S14 counts the first risk class, obtains risk class statistical result, and according to risk class statistical result
With default portrait level index, the corresponding first risk portrait rank of enterprise to be assessed is confirmed.
Each corresponding first risk class of the first monitoring categorical data for obtaining enterprise to be assessed, counts the first risk
Grade obtains the statistical result and default portrait level index of risk class, and default portrait level index is as shown in table 2, herein
It repeats no more, such as: the first predetermined number is 2, when the number that the first risk class is 5 grades is 3, then enterprise to be assessed
Corresponding first risk portrait rank is V grade, i.e. the rank of the first risk portrait is very poor, if the second predetermined number is 3,
The number that the first risk class is 5 grades be 0, be 4 grades number 4 when, then the corresponding first risk portrait of enterprise to be assessed
Rank be IV grade, i.e. the first risk portrait rank be it is very poor, those skilled in the art be to be understood that here only use
In for example, should not be construed as limiting the invention.
In embodiments of the present invention, by statistical risk level results and default portrait rank, the first risk class is comprehensive
First risk portrait rank for being converted into assess enterprise to be assessed is closed, is realized according to the first monitoring categorical data certainly
The risk of dynamic Weigh sensor enterprise to be assessed, solve manual research identification risk cost height after loan, low efficiency, cannot be comprehensive
The problem of accurately identifying risk, reduce risk identification cost, shorten examination & approval identification duration, improve risk identification efficiency and
The accuracy of risk identification.
Further, risk monitoring and control method fourth embodiment after the present invention is borrowed, based on any one of above-mentioned first to third
The embodiment described, the first monitoring categorical data include: that enterprise borrows or lends money overdue information, income information, customer information, pays taxes
Hunger and thirst information, enterprise of information, business capital is performed information and/or enterprise assets quality information.
First monitoring categorical data may include: enterprise borrow or lend money overdue information, income information, customer information, tax information,
Hunger and thirst information, enterprise of business capital is performed information and/or enterprise assets quality information；
Enterprise to be assessed can be the scoring early warning of acquisition, great early warning mark after existing loan after Early-warning Model prediction
The enterprise of knowledge, enterprise to be assessed are also possible to not by the enterprise of Early-warning Model prediction, and the first monitoring categorical data can be from
It obtains in Early-warning Model after loan, or is obtained from the platforms such as bank, financial institution, taxation website.
In embodiment, the first monitoring categorical data diversification is solved by the diversification of the first monitoring categorical data
The problem of manual research identification data source is single after loan, cannot accurately identify risk comprehensively, improves the accurate of risk identification
Degree.
Further, the 5th embodiment of risk monitoring and control method after the present invention is borrowed, based on above-mentioned fourth embodiment, described the
Two monitoring categorical datas include: personal reference information, it is personal borrow or lend money overdue information, individual bankroll is hungered and thirst information, personal asset matter
Amount information relates to and tells and be performed information, suspicion roster information of breaking laws and commit crime, list of breaking one's promise, limitation high consumption information and/or limitation
Entry and exit information.
The second monitoring categorical data of the legal person of enterprise to be assessed include: personal reference information, it is personal borrow or lend money overdue information,
Individual bankroll hunger and thirst information, personal asset quality information, relate to tell be performed information, break laws and commit crime suspicion roster information, break one's promise
List, limitation high consumption information and/or limitation entry and exit information.
In embodiment, monitoring data source increases the second monitoring categorical data of the legal person of enterprise to be assessed, and second
Categorical data diversification is monitored, manual research identification data source is single after solving loan, cannot accurately identify risk comprehensively
Problem improves the accuracy of risk identification.
Further, risk monitoring and control method sixth embodiment after the present invention is borrowed, based on the 5th above-mentioned embodiment, the wind
Danger monitoring disposition includes: that risk monitoring and control freezes to dispose, and step S30 may include:
Step S31 counts the first risk portrait rank and the second risk portrait rank, obtains risk portrait rank
As a result, and confirming whether enterprise to be assessed meets default risk monitoring and control freezing condition according to risk portrait result；
First risk portrait rank and the second risk portrait rank are counted, risk portrait level result, root are obtained
Confirm whether enterprise to be assessed meets default risk monitoring and control freezing condition according to risk portrait result, presets risk monitoring and control freezing condition
May include: the first risk portrait rank be V grade, the second risk portrait rank be V grade, the first risk portrait rank and second
Risk portrait is IV grade, the first risk portrait rank is III grade and the second risk portrait is IV grade or the first risk portrait rank
It is III grade for IV grade and the second risk portrait；Such as: if it is V grades that risk portrait level result, which is the first risk portrait, the second wind
When danger portrait is grade, then confirm that enterprise to be assessed meets default risk monitoring and control freezing condition.
Step S32 determines the corresponding wind of enterprise to be assessed when enterprise to be assessed meets default risk monitoring and control freezing condition
Danger monitoring disposition is that risk monitoring and control freezes to dispose, and generates and freeze warning information, is sent to the corresponding default terminal of credit side.
When confirming that enterprise to be assessed meets default risk monitoring and control freezing condition, the corresponding risk prison of enterprise to be assessed is determined
Control disposition is that risk monitoring and control freezes to dispose, and generates and freeze warning information, is shown in controlling terminal, while being sent to credit side
Corresponding default terminal reminds credit side to freeze the account of enterprise to be assessed.
Or when confirming that enterprise to be assessed meets default risk monitoring and control freezing condition, determine the corresponding wind of enterprise to be assessed
Danger monitoring disposition is that risk monitoring and control freezes to dispose, and directly freezes to the account of enterprise to be assessed.
In embodiment, the first risk portrait rank and the second risk portrait rank are counted, obtains risk portrait
Level result, and confirm whether enterprise to be assessed meets default risk monitoring and control freezing condition according to risk portrait result, to be evaluated
When estimating enterprise and meeting default risk monitoring and control freezing condition, the corresponding risk monitoring and control disposition of fixed enterprise to be assessed is freezed for risk monitoring and control
Disposition, and generate and freeze warning information, is sent to the corresponding default terminal of credit side, remind credit side to the account of enterprise to be assessed into
Row freezes.It realizes to automate and risk monitoring and control is carried out to enterprise to be assessed, manual research identifies that risk cost is high, imitates after solving loan
Rate is low, cannot accurately identify the problem of risk comprehensively, reduces risk identification cost, shortens examination & approval identification duration, improves
The accuracy of risk identification efficiency and risk identification.
Further, the 7th embodiment of risk monitoring and control method after the present invention is borrowed, based on above-mentioned sixth embodiment, the wind
Danger monitoring disposition includes: that emphasis Risk Monitoring is disposed, and after step S32, the method can also include:
Step S33, when enterprise to be assessed is unsatisfactory for default risk monitoring and control freezing condition, according to risk portrait result confirmation
Whether enterprise to be assessed meets default emphasis Risk Monitoring condition；
When enterprise to be assessed is unsatisfactory for default risk monitoring and control freezing condition, enterprise to be assessed is confirmed according to risk portrait result
Whether industry meets default emphasis Risk Monitoring condition；Default emphasis Risk Monitoring condition may include: the first risk portrait rank
It is III grade with the second risk portrait；In risk portrait result be the first risk portrait rank and the second risk portrait rank is
At III grade, confirm that enterprise to be assessed meets default emphasis Risk Monitoring condition.
Step S34, when risk portrait result confirms that enterprise to be assessed meets default emphasis Risk Monitoring condition, determine to
Assessing the corresponding risk monitoring and control disposition of enterprise is that emphasis Risk Monitoring is disposed, and generates emphasis monitoring and warning information, is sent to loan
The corresponding default terminal in side.
When confirming that enterprise to be assessed meets emphasis Risk Monitoring condition, determine at the corresponding risk monitoring and control of enterprise to be assessed
It is set to the disposition of emphasis Risk Monitoring, and generates emphasis monitoring and warning information, is shown in controlling terminal, while being sent to credit side
Corresponding default terminal reminds credit side to carry out emphasis monitoring to the account of enterprise to be assessed.
Or when confirming that enterprise to be assessed meets default emphasis Risk Monitoring condition, determine the corresponding wind of enterprise to be assessed
Danger monitoring disposition is that emphasis Risk Monitoring is disposed, and carries out emphasis monitoring to the account of enterprise to be assessed.
In embodiment, it when enterprise to be assessed is unsatisfactory for default risk monitoring and control freezing condition, is further drawn according to risk
Meet emphasis Risk Monitoring condition as result confirms whether enterprise to be assessed is default, confirms enterprise to be assessed in risk portrait result
When meeting default emphasis Risk Monitoring condition, determine that the corresponding risk monitoring and control disposition of enterprise to be assessed is at emphasis Risk Monitoring
It sets, and generates emphasis monitoring and warning information, be sent to the corresponding default terminal of credit side, realize that automation carries out enterprise to be assessed
Corresponding risk monitoring and control, manual research identifies risk cost height, low efficiency, cannot accurately identify risk comprehensively after solving loan
Problem reduces risk identification cost, shortens examination & approval identification duration, improves the accurate of risk identification efficiency and risk identification
Degree.
Further, the 8th embodiment of risk monitoring and control method after the present invention is borrowed, based on the 7th above-mentioned embodiment, the wind
Danger monitoring disposition includes: that manual examination and verification are disposed, and after step S33, the method can also include:
Step S35, when enterprise to be assessed is unsatisfactory for default emphasis Risk Monitoring condition, according to risk portrait result confirmation
Whether enterprise to be assessed meets default manual examination and verification Disposal Conditions；
When enterprise to be assessed is unsatisfactory for default emphasis Risk Monitoring condition, further according to risk draw a portrait result confirmation to
Whether assessment enterprise meets default manual examination and verification Disposal Conditions, and default manual examination and verification Disposal Conditions may include: that the first risk is drawn
As rank be III grade or the second risk portrait rank be II grade, the first risk portrait rank be II grade or the second risk draw a portrait rank
Rank is drawn a portrait for III grade or the first risk and the second risk portrait is II grade, such as: it is the first wind in risk portrait result
When danger portrait rank and the second risk portrait rank are II grade, confirm that enterprise to be assessed meets default manual examination and verification disposition item
Part.
Step S36, when risk portrait result confirms that enterprise to be assessed meets default manual examination and verification Disposal Conditions, determine to
Assessing the corresponding risk monitoring and control disposition of enterprise is that manual examination and verification are disposed, and generate manual examination and verification warning information, is sent to credit side couple
The default terminal answered.
When confirming that enterprise to be assessed meets default manual examination and verification Disposal Conditions according to risk portrait result, enterprise to be assessed is determined
The corresponding risk monitoring and control disposition of industry is that manual examination and verification are disposed, and generate manual examination and verification warning information, is shown in controlling terminal,
It is sent to the corresponding default terminal of credit side simultaneously, reminds account further progress manual examination and verification of the credit side to enterprise to be assessed.
When confirming that enterprise to be assessed is unsatisfactory for default manual examination and verification Disposal Conditions according to risk portrait result, determine to be assessed
The corresponding risk monitoring and control disposition of enterprise is general monitoring disposition, and then generates general monitoring and early warning information, is carried out in controlling terminal
It has been shown that, while it being sent to the corresponding default terminal of credit side, remind credit side generally to monitor the account of enterprise to be assessed.
Alternatively, determining the corresponding wind of enterprise to be assessed when confirming that enterprise to be assessed is unsatisfactory for manual examination and verification Disposal Conditions
Danger monitoring disposition is general monitoring disposition, and is generally detected to the account of enterprise to be assessed.
In embodiment, when enterprise to be assessed is unsatisfactory for default emphasis Risk Monitoring condition, according to risk portrait result
Confirm whether enterprise to be assessed meets default manual examination and verification Disposal Conditions；It is pre- to confirm that enterprise to be assessed meets in risk portrait result
If when manual examination and verification Disposal Conditions, determining that the corresponding risk monitoring and control disposition of enterprise to be assessed is that manual examination and verification are disposed, and generate people
Work audits warning information, is sent to the corresponding default terminal of credit side, realizes that automation carries out corresponding risk to enterprise to be assessed
Monitoring solves the problems, such as manual research identification risk cost height after borrowing, low efficiency, cannot accurately identify risk comprehensively, reduces
Risk identification cost shortens examination & approval identification duration, improves the accuracy of risk identification efficiency and risk identification.
The present invention also provides risk monitoring and control devices after a kind of loan.
Risk monitoring and control device includes: memory, processor and is stored on the memory and can be in institute after the present invention is borrowed
Risk monitoring and control program after the loan run on processor is stated, is realized such as when risk monitoring and control program is executed by the processor after the loan
After the upper loan the step of risk monitoring and control method.
Wherein, risk monitoring and control program, which is performed realized method, after the loan run on the processor can refer to this
The each embodiment of risk monitoring and control method after invention is borrowed, details are not described herein again.
The present invention also provides a kind of computer readable storage mediums.
Risk monitoring and control program after borrowing, risk monitoring and control program after the loan are stored on computer readable storage medium of the present invention
The step of risk monitoring and control method after borrowing as described above is realized when being executed by processor.
Wherein, risk monitoring and control program, which is performed realized method, after the loan run on the processor can refer to this
The each embodiment of risk monitoring and control method after invention is borrowed, details are not described herein again.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of risk monitoring and control method after loan, which is characterized in that described method includes following steps:
Each corresponding first risk class of the first monitoring categorical data of enterprise to be assessed is obtained, and according to first wind
Dangerous grade obtains the corresponding first risk portrait rank of enterprise to be assessed；
Based on the corporate message of enterprise to be assessed, each corresponding second risk class of the second monitoring categorical data is obtained, and
The corresponding second risk portrait rank of legal person for obtaining enterprise to be assessed according to second risk class；
According to the first risk portrait rank and the second risk portrait rank, the corresponding risk monitoring and control disposition of enterprise to be assessed is determined.
2. risk monitoring and control method after loan as described in claim 1, which is characterized in that each for obtaining enterprise to be assessed
Corresponding first risk class of first monitoring categorical data, and it is corresponding according to first risk class acquisition enterprise to be assessed
First risk draw a portrait rank the step of include:
Obtain each first monitoring categorical data and the corresponding default risk of the first monitoring classification etc. of enterprise to be assessed
Grade index；
Based on the first monitoring categorical data and the default risk class index, each first monitoring classification number is confirmed respectively
The corresponding first risk portrait grade of enterprise to be assessed is obtained according to corresponding first risk class, and according to first risk class
Not.
3. risk monitoring and control method after loan as described in claim 1, which is characterized in that each for obtaining enterprise to be assessed
Corresponding first risk class of first monitoring categorical data, and it is corresponding according to first risk class acquisition enterprise to be assessed
First risk draw a portrait rank the step of include:
Obtain each corresponding first risk class of the first monitoring categorical data of enterprise to be assessed；
The first risk class is counted, obtains risk class statistical result, and according to risk class statistical result and default portrait grade
Other index confirms the corresponding first risk portrait rank of enterprise to be assessed.
4. risk monitoring and control method after loan as described in any one of claims 1-3, which is characterized in that the first monitoring classification number
According to including: that enterprise borrows or lends money hunger and thirst information, enterprise of overdue information, income information, customer information, tax information, business capital and held
Row information and/or enterprise assets quality information.
5. risk monitoring and control method after loan as claimed in claim 4, which is characterized in that described second, which monitors categorical data, includes:
Personal reference information, it is personal borrow or lend money overdue information, individual bankroll hunger and thirst information, personal asset quality information, relate to and tell and be performed letter
Breath, suspicion roster information of breaking laws and commit crime, list of breaking one's promise, limitation high consumption information and/or limitation entry and exit information.
6. risk monitoring and control method after loan as claimed in claim 5, which is characterized in that the risk monitoring and control disposition includes: risk
Monitoring is freezed to dispose, described according to the first risk portrait rank and the second risk portrait rank, determines that enterprise to be assessed is corresponding
Risk monitoring and control dispose the step of include:
First risk portrait rank and the second risk portrait rank are counted, acquisition risk portrait level result, and according to
Risk portrait result confirms whether enterprise to be assessed meets default risk monitoring and control freezing condition；
When enterprise to be assessed meets default risk monitoring and control freezing condition, determine that the corresponding risk monitoring and control disposition of enterprise to be assessed is
Risk monitoring and control freezes to dispose, and generates and freeze warning information, is sent to the corresponding default terminal of credit side.
7. risk monitoring and control method after loan as claimed in claim 6, which is characterized in that the risk monitoring and control disposition includes: emphasis
Risk Monitoring disposition, it is described to confirm whether enterprise to be assessed meets default risk monitoring and control freezing condition according to risk portrait result
After step, the method also includes:
When enterprise to be assessed is unsatisfactory for default risk monitoring and control freezing condition, confirm that enterprise to be assessed is according to risk portrait result
It is no to meet default emphasis Risk Monitoring condition；
When risk portrait result confirms that enterprise to be assessed meets default emphasis Risk Monitoring condition, determine that enterprise to be assessed is corresponding
Risk monitoring and control disposition be that emphasis Risk Monitoring is disposed, and generate emphasis monitoring and warning information, it is corresponding default to be sent to credit side
Terminal.
8. risk monitoring and control method after loan as claimed in claim 7, which is characterized in that the risk monitoring and control disposition includes: artificial
Audit disposition, it is described that the step of whether enterprise to be assessed meets default emphasis Risk Monitoring condition is confirmed according to risk portrait result
Later, the method also includes:
When enterprise to be assessed is unsatisfactory for default emphasis Risk Monitoring condition, confirm that enterprise to be assessed is according to risk portrait result
It is no to meet default manual examination and verification Disposal Conditions；
When risk portrait result confirms that enterprise to be assessed meets default manual examination and verification Disposal Conditions, determine that enterprise to be assessed is corresponding
Risk monitoring and control disposition be that manual examination and verification are disposed, and generate manual examination and verification warning information, be sent to the corresponding default terminal of credit side.
9. risk monitoring and control device after a kind of loan, which is characterized in that described device includes: memory, processor and is stored in described
Risk monitoring and control program on memory and after the loan that can run on the processor, risk monitoring and control program is by the place after the loan
The step of managing risk monitoring and control method after realizing such as loan described in any item of the claim 1 to 8 when device executes.
10. a kind of computer readable storage medium, which is characterized in that be stored with wind after loan on the computer readable storage medium
Dangerous monitoring programme is realized when risk monitoring and control program is executed by processor after the loan as described in any item of the claim 1 to 8
After loan the step of risk monitoring and control method.
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| CN201910551777.XA CN110246032A (en) | 2019-06-21 | 2019-06-21 | Risk monitoring and control method, apparatus and computer readable storage medium after loan |
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| CN201910551777.XA CN110246032A (en) | 2019-06-21 | 2019-06-21 | Risk monitoring and control method, apparatus and computer readable storage medium after loan |
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