CN113177842A - Credit investigation data processing method, system, equipment and medium - Google Patents
Credit investigation data processing method, system, equipment and medium Download PDFInfo
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Abstract
The application discloses a credit investigation data processing method, which is applied to a data processing system and comprises the following steps: the data processing system receives first credit investigation data and second credit investigation data sent by a credit investigation system; the first credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user before loan; the second credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user after loan; the data processing system processes the first credit investigation data and the second credit investigation data through an evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user; the data processing system sends the processing results to a plurality of loan systems. The method has the advantages that the data processing system processes credit investigation data of the user, the effects of one-place adjustment and one-place adjustment are achieved, and the calculated amount is greatly reduced.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a credit investigation data processing method, system, device, and medium.
Background
Credit data refers to data relating to the credit of a user. When the user applies for loan at the bank, the bank can calculate the risk level of the user by inquiring credit investigation data of the user, and then approve the loan request of the user according to the risk level of the user.
When a user applies for different types of loans at a bank, the user needs to initiate application to loan systems corresponding to the different types of loans. For example, when a user needs to apply for credit card loan, the user needs to initiate loan application to a credit card loan system; when a user needs to apply for a consumption financial loan, the user needs to initiate a loan application to a consumption financial loan system.
However, when different loan systems approve the loan request of the user, the credit investigation data of the user needs to be inquired, and the risk level of the user is calculated based on the inquired latest credit investigation data. Therefore, different loan systems can calculate the same credit investigation data once, the calculation times are greatly increased, the processing efficiency of different loan systems on the credit investigation data is reduced, the risk of a user is calculated only by singly relying on the latest credit investigation data, the data source is single, and the calculation error is large.
Disclosure of Invention
In order to solve the problems, the application provides a credit investigation data processing method, in the method, a data processing system processes credit investigation data corresponding to a user before loan and credit investigation data corresponding to the user after loan, and then sends a processing result to a plurality of loan systems, so that each loan system can acquire the risk level of the user without independently acquiring the credit investigation data of the user again and calculating, the calculation amount is greatly reduced, the processing efficiency is improved, the data sources depended on are enriched, and the calculation error is reduced. The application also provides a credit investigation data processing system, a credit investigation data processing device and a credit investigation data processing medium.
In a first aspect, the present application provides a credit investigation data processing method, applied to a data processing system, the method including:
the data processing system receives first credit investigation data and second credit investigation data sent by a credit investigation system; the first credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user before loan; the second credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user after loan;
the data processing system processes the first credit investigation data and the second credit investigation data through an evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user;
the data processing system sends the processing results to a plurality of loan systems.
In one possible implementation, the data processing system sends the processing result to a plurality of loan systems, including:
when the processing result indicates that the risk level of the user changes, the data processing system sends the processing result to a plurality of loan systems.
In one possible implementation, the method further includes:
and the data processing system receives the parameter configuration information of the evaluation decision model from the user, and adjusts the processing strategy of the evaluation decision model according to the parameter configuration information.
In a possible implementation manner, the processing result further includes prompt information, and when the risk level of the user is a high risk, the prompt information is used for prompting the plurality of loan systems to prohibit the user from carrying out a withdrawal operation;
when the risk level of the user is intermediate risk, the prompt information is used for prompting the plurality of loan systems to reduce the loan amount of the user;
and when the risk level of the user is low risk, the prompt information is also used for prompting the plurality of loan systems to improve the loan amount of the user.
In one possible implementation, the method further includes:
receiving third credit investigation data sent by the credit investigation system; the third credit investigation data is obtained by the inquiry operation of the credit investigation system for the credit investigation of the user after loan at intervals of a preset period based on at least one loan system;
and correcting the processing result according to the third credit investigation data.
In a second aspect, the present application further provides a credit investigation data processing system, including:
the receiving module is used for receiving first credit investigation data and second credit investigation data sent by a credit investigation system; the first credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user before loan; the second credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user after loan;
the processing module is used for processing the first credit investigation data and the second credit investigation data through an evaluation decision model to obtain a processing result, and the processing result comprises the risk level of the user;
and the sending module is used for sending the processing result to a plurality of loan systems.
In a possible implementation manner, the sending module is specifically configured to send the processing result to a plurality of loan systems by the data processing system when the processing result indicates that the risk level of the user changes.
In one possible implementation, the system further includes an adjustment module;
the receiving module is further used for systematically receiving parameter configuration information of the evaluation decision model from a user;
and the adjusting module is used for adjusting the processing strategy of the evaluation decision model according to the parameter configuration information.
In a possible implementation manner, the processing result further includes prompt information, and when the risk level of the user is a high risk, the prompt information is used for prompting the plurality of loan systems to prohibit the user from carrying out a withdrawal operation;
when the risk level of the user is intermediate risk, the prompt information is used for prompting the plurality of loan systems to reduce the loan amount of the user;
and when the risk level of the user is low risk, the prompt information is also used for prompting the plurality of loan systems to improve the loan amount of the user.
In a possible implementation manner, the receiving module is further configured to receive third credit investigation data sent by the credit investigation system; the third credit investigation data is obtained by the inquiry operation of the credit investigation system for the credit investigation of the user after loan at intervals of a preset period based on at least one loan system;
the processing module is specifically configured to correct the processing result according to the third credit investigation data.
In a third aspect, the present application provides a computing device comprising a processor and a memory:
the memory is used for storing a computer program and transmitting the computer program to the processor;
the processor is configured to perform the method of any one of the above in accordance with instructions in the computer program.
In a fourth aspect, the present application provides a computer readable storage medium for storing a computer program for performing the method of any one of the above.
Compared with the prior art, the technical scheme of the application has the advantages that:
in one aspect, the method comprises the steps that a data processing system processes credit investigation data of a user sent by a credit investigation system through an evaluation decision model, and then sends the processing result to a plurality of loan systems. Therefore, each loan system can directly obtain the risk level of the user according to the processing result without independently obtaining credit investigation data of the user again and calculating, the calculation times are reduced, and the processing efficiency is improved.
On the other hand, in the method, the data processing system integrates credit investigation data corresponding to the user in different time periods, namely first credit investigation data corresponding to the user before loan and second credit investigation data corresponding to the user after loan. In the process of processing credit investigation data of a user, the data processing system fully utilizes the credit investigation data of the user, enriches data sources depended on in the data processing process, further improves the accuracy of a processing result, and enables the processing result to have reference value and authority.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a flowchart of a credit investigation data processing method according to an embodiment of the present application;
fig. 2 is a flowchart of a credit investigation data processing method according to an embodiment of the present application;
fig. 3 is a schematic diagram of an investigation data processing device according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The technical terms related to the present application will be described first.
Credit data refers to data relating to the credit of a user. The bank may offer credit to the user based on the credit investigation data of the user. When applying for different types of loans, a user needs to initiate an application to different loan systems in a bank. When different loan systems apply for a loan request of a user, credit investigation data of the user needs to be inquired separately and risk level of the user needs to be calculated. Therefore, different loan systems perform calculation on the same credit investigation data once, and the calculation times are greatly increased. And only the latest credit investigation data is singly relied on to calculate the risk of the user, the relied data source is single, and the calculation error is large.
In view of this, the present application provides a credit investigation data processing method. The method is executed by a data processing system, and particularly, the data processing system receives first credit investigation data and second credit investigation data sent by a credit investigation system, the first credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the user's credit investigation before loan, and the second credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the user's credit investigation after loan. And then the data processing system processes the first credit investigation data and the second credit investigation data through the evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user. The data processing system then sends the processing results to a plurality of loan systems. According to the method, the credit investigation data of the user are processed through the data processing system to obtain the risk level of the user and sent to other loan systems, so that the risk level of the user can be obtained by the other loan systems, the credit investigation data of the user does not need to be obtained and calculated independently, the calculated amount is greatly reduced, the processing efficiency is improved, the data sources which depend on the credit investigation data are enriched, and the calculation error is reduced.
In some embodiments, the data processing system may be an evaluation system, and the evaluation system is configured to process credit investigation data of the user through an evaluation decision model, thereby obtaining a risk level for the user, and send the risk level to other loan systems, so that each loan system can perform risk control according to the received risk level, and further unify the wind control of different loan systems.
In order to make the technical solution of the present application clearer and easier to understand, the credit investigation data processing method provided in the embodiment of the present application is described below in terms of a data processing system.
Referring to fig. 1, there is shown a flow chart of a credit data processing method that may be used with a data processing system, the method comprising the steps of:
s101: the data processing system receives first credit investigation data and second credit investigation data sent by the credit investigation system.
The first credit investigation data is obtained by a credit investigation system based on at least one loan system for inquiring the credit investigation before loan of the user; the second credit investigation data is obtained by the credit investigation system based on the query operation of the at least one loan system on the credit investigation of the user after loan.
It should be noted that, in the process of querying credit investigation of the user, the loan system needs to query the credit investigation of the person through the credit investigation system, the credit investigation system retains credit investigation data returned by the person, and then the credit investigation system can send the credit investigation data to the data processing system at preset time intervals. For example, the credit investigation system sends credit investigation data to the data processing system daily, preferably during the night of each day, which may be 8 pm to 5 pm the next day.
S102: and the data processing system processes the first credit investigation data and the second credit investigation data through the evaluation decision model to obtain a processing result.
Wherein the processing result includes a risk level of the user, and the risk level of the user may include high risk, medium risk and low risk.
The evaluation decision model can be obtained by training a large amount of credit investigation data and risk levels corresponding to the credit investigation data, so that the risk levels of the user can be obtained quickly and accurately by adopting the evaluation decision model.
In some embodiments, the data processing system may further adjust the processing policy of the evaluation decision model according to the parameter configuration information of the evaluation decision model for the parameter configuration information of the evaluation decision model. For example, by adjusting the parameter configuration information, the evaluation decision model can pay more attention to the user's credit assessment before loan or pay more attention to the user's credit assessment after loan.
S103: the data processing system sends the processing results to a plurality of loan systems.
After the data processing system obtains the risk level of the user through the evaluation decision model, the risk level of the user can be sent to other loan systems, so that for other loan systems, the risk level of the user can be directly obtained by other loan systems, and the loan request of the user is approved or adjusted according to the risk level.
In some embodiments, the processing result further comprises prompt information for prompting the plurality of loan systems to prohibit the user from carrying out withdrawal operations when the risk level of the user is high risk; when the risk level of the user is intermediate risk, the prompt information is used for prompting the plurality of loan systems to reduce the loan amount of the user; and when the risk level of the user is low risk, the prompt information is also used for prompting the plurality of loan systems to improve the loan amount of the user.
In some embodiments, the data processing system sends the processing results to a plurality of loan systems when the processing results indicate that the user's risk level has changed. In this way, a plurality of loan systems can perform operations such as approval on a loan request from a user based on the processing result.
The data processing system may not send the processing results to the plurality of loan systems when the processing directly indicates that the user's risk level has not changed. Thus, the plurality of loan systems may approve or otherwise apply for a loan from the user based on the processing results previously sent by the data processing system.
Therefore, for the loan system, the latest risk level of the user can be obtained, and the accuracy and timeliness of the risk level are ensured.
Based on the above description, the present application provides a credit investigation data processing method, in which a data processing system processes credit investigation data of a user sent by a credit investigation system through an evaluation decision model, and then sends the processing result to a plurality of loan systems. Therefore, each loan system can directly obtain the risk level of the user according to the processing result without independently obtaining credit investigation data of the user again and calculating, the calculation times are reduced, and the processing efficiency is improved. Further, in the method, the data processing system integrates credit investigation data corresponding to the user in different time periods, namely first credit investigation data corresponding to the user before loan and second credit investigation data corresponding to the user after loan. In the process of processing credit investigation data of a user, the data processing system fully utilizes the credit investigation data of the user, enriches data sources depended on in the data processing process, further improves the accuracy of a processing result, and enables the processing result to have reference value and authority.
For convenience of understanding, the credit investigation data processing method provided by the embodiment of the present application is described below by taking a data processing system as an example of an evaluation system and taking a central row credit investigation and credit investigation system, a first loan system and a second loan system as examples.
Referring to a flow chart of the credit investigation data processing method shown in fig. 2, the method includes:
s201: the first loan system sends a first credit investigation request to the credit investigation system. In some embodiments, the first credit investigation request includes an identification of the target user, which may be a user who has not applied for a loan. Wherein the first loan system may be a credit card loan system.
S202: and the credit investigation system forwards the first credit investigation request to the pedestrian credit investigation system.
S203: and the pedestrian credit investigation system returns first credit investigation data corresponding to the first query request to the credit investigation system. Correspondingly, the first credit investigation data corresponding to the first credit investigation query request is the credit investigation data corresponding to the target user before loan.
S204: the credit investigation system records the first credit investigation data. The credit investigation system records the first credit investigation data for later sending to the evaluation system for use.
S205: the second loan system sends a second credit investigation request to the credit investigation system. In some embodiments, the second credit inquiry request includes an identification of the target user. In practice, the target user may apply for a loan, which may turn the target user into a loan-applied user. Wherein the second loan system may be a consumer financial loan system.
S206: and the credit investigation system forwards the second credit investigation request to the pedestrian credit investigation system.
S207: and the pedestrian credit investigation system returns second credit investigation data corresponding to the second query request to the credit investigation system. Correspondingly, the second credit investigation data corresponding to the second credit investigation query request is the credit investigation data corresponding to the target user after the loan.
S208: and the credit investigation system records the second credit investigation data. The credit investigation system records the second credit investigation data for later sending to the evaluation system for use.
S209: and the credit investigation system sends the first credit investigation data and the second credit investigation data to the evaluation system.
S210: and the evaluation system processes the first credit investigation data and the second credit investigation data through the evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user.
S211: and the evaluation system sends the processing result to the first loan system and the second loan system.
It should be noted that, in the above method steps, only the credit investigation data of one user is taken as an example for description, and in practical application, the method is not limited to the example shown in the above steps, and of course, there may be more loan systems in practical application, and the method is not limited to the credit card loan system and the consumption finance loan system.
Therefore, according to the technical scheme, the association relationship between the pre-loan credit investigation and the post-loan credit investigation of different loan systems of the bank is established, the pre-loan credit investigation and the post-loan credit investigation of the different loan systems are integrated together to be used as the credit investigation data of the user, and the credit investigation data is processed in a unified manner to obtain the processing result, namely the risk level of the user. Therefore, the method achieves the effects of processing and adjusting everywhere, and fully utilizes credit investigation data of the user.
An embodiment of the present application further provides a credit investigation data processing system, including:
the receiving module 301 is configured to receive first credit investigation data and second credit investigation data sent by a credit investigation system; the first credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user before loan; the second credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user after loan;
the processing module 302 is configured to process the first credit investigation data and the second credit investigation data through an evaluation decision model to obtain a processing result, where the processing result includes a risk level of the user;
a sending module 303, configured to send the processing result to multiple loan systems.
In a possible implementation manner, the sending module 303 is specifically configured to send the processing result to a plurality of loan systems when the processing result indicates that the risk level of the user changes.
In one possible implementation, the system further includes an adjustment module 304;
the receiving module 301 is further configured to receive parameter configuration information of the evaluation decision model from a user;
the adjusting module 304 is configured to adjust a processing strategy of the evaluation decision model according to the parameter configuration information.
In a possible implementation manner, the processing result further includes prompt information, and when the risk level of the user is a high risk, the prompt information is used for prompting the plurality of loan systems to prohibit the user from carrying out a withdrawal operation;
when the risk level of the user is intermediate risk, the prompt information is used for prompting the plurality of loan systems to reduce the loan amount of the user;
and when the risk level of the user is low risk, the prompt information is also used for prompting the plurality of loan systems to improve the loan amount of the user.
In a possible implementation manner, the receiving module 301 is further configured to receive third credit investigation data sent by the credit investigation system; the third credit investigation data is obtained by the inquiry operation of the credit investigation system for the credit investigation of the user after loan at intervals of a preset period based on at least one loan system;
the processing module 302 is specifically configured to correct the processing result according to the third credit data.
The embodiment of the application provides a computing device, which comprises a processor and a memory, wherein the memory is used for storing a computer program and transmitting the computer program to the processor; the processor is configured to execute the method described in the above embodiments according to instructions in the computer program.
The embodiment of the present application provides a computer-readable storage medium, which is used for storing a computer program, and the computer program is used for executing the method described in the above embodiment.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to some descriptions of the method embodiment for relevant points. The above-described apparatus embodiments are merely illustrative, and the units and modules described as separate components may or may not be physically separate. In addition, some or all of the units and modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The foregoing is directed to embodiments of the present application and it is noted that numerous modifications and adaptations may be made by those skilled in the art without departing from the principles of the present application and are intended to be within the scope of the present application.
Claims (10)
1. A credit investigation data processing method is applied to a data processing system, and the method comprises the following steps:
the data processing system receives first credit investigation data and second credit investigation data sent by a credit investigation system; the first credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user before loan; the second credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user after loan;
the data processing system processes the first credit investigation data and the second credit investigation data through an evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user;
the data processing system sends the processing results to a plurality of loan systems.
2. The method of claim 1, wherein the data processing system sends the processing results to a plurality of loan systems, comprising:
when the processing result indicates that the risk level of the user changes, the data processing system sends the processing result to a plurality of loan systems.
3. The method of claim 1, further comprising:
and the data processing system receives the parameter configuration information of the evaluation decision model from the user, and adjusts the processing strategy of the evaluation decision model according to the parameter configuration information.
4. The method according to claim 1, wherein the processing result further comprises a prompt message for prompting the plurality of loan systems to prohibit the user from making a withdrawal when the user's risk level is high risk;
when the risk level of the user is intermediate risk, the prompt information is used for prompting the plurality of loan systems to reduce the loan amount of the user;
and when the risk level of the user is low risk, the prompt information is also used for prompting the plurality of loan systems to improve the loan amount of the user.
5. The method according to any one of claims 1 to 4, further comprising:
receiving third credit investigation data sent by the credit investigation system; the third credit investigation data is obtained by the inquiry operation of the credit investigation system for the credit investigation of the user after loan at intervals of a preset period based on at least one loan system;
and correcting the processing result according to the third credit investigation data.
6. A credit investigation data processing system, comprising:
the receiving module is used for receiving first credit investigation data and second credit investigation data sent by a credit investigation system; the first credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user before loan; the second credit investigation data is obtained by the credit investigation system based on the query operation of at least one loan system on the credit investigation of the user after loan;
the processing module is used for processing the first credit investigation data and the second credit investigation data through an evaluation decision model to obtain a processing result, and the processing result comprises the risk level of the user;
and the sending module is used for sending the processing result to a plurality of loan systems.
7. The system of claim 6, wherein the sending module is specifically configured to send the processing results to a plurality of loan systems when the processing results indicate that the user's risk level has changed.
8. The system of claim 6, further comprising an adjustment module;
the receiving module is further used for systematically receiving parameter configuration information of the evaluation decision model from a user;
and the adjusting module is used for adjusting the processing strategy of the evaluation decision model according to the parameter configuration information.
9. A computing device, the computing device comprising a processor and a memory:
the memory is used for storing a computer program and transmitting the computer program to the processor;
the processor is adapted to perform the method of any of claims 1 to 5 according to instructions in the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium is used to store a computer program for performing the method of any of claims 1 to 5.
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| CN114549170A (en) * | 2021-11-19 | 2022-05-27 | 北京宇信科技集团股份有限公司 | Data processing method, medium, equipment and system for joint loan |
| CN117611330A (en) * | 2024-01-23 | 2024-02-27 | 天津金城银行股份有限公司 | Credit data processing system, method, device, equipment and medium |
| CN117611330B (en) * | 2024-01-23 | 2024-04-09 | 天津金城银行股份有限公司 | Credit data processing system, method, device, equipment and medium |
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