CN114240097A

CN114240097A - Risk assessment method and device

Info

Publication number: CN114240097A
Application number: CN202111460123.XA
Authority: CN
Inventors: 张亚东
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-12-02
Filing date: 2021-12-02
Publication date: 2022-03-25

Abstract

The specification discloses a method and a device for risk assessment, which can determine an object to be assessed, determine at least one assessment model for assessing the risk of the object to be assessed according to the service type corresponding to the object to be assessed, wherein different assessment models are used for risk assessment of different risk types, the assessment standards of the assessment models are uniform, the assessment model is sent to an assessing party aiming at each assessment model, so that the assessing party carries out risk assessment through the assessment model, an assessment result of the object to be assessed under the risk type corresponding to the assessment model is obtained and is used as an assessment result corresponding to the assessment model, the object to be assessed is comprehensively assessed according to the assessment result corresponding to each assessment model, and the object to be assessed is subjected to risk control according to the obtained comprehensive assessment result, so that the efficiency can be improved, and unifying the risk assessment standards aiming at the assessment object, thereby obtaining a more reasonable assessment result.

Description

Risk assessment method and device

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a method and an apparatus for risk assessment.

Background

With the continuous development of information technology, services that can be executed online, such as online transactions, are becoming more and more popular, and in similar online services, a service platform can often unite a plurality of member organizations to execute the services together, so that the security of the member organizations united by the service platform is guaranteed, which is one of the conditions for guaranteeing the service security maintained by the service platform.

When a department (or organization) to which a service platform belongs performs risk assessment for a member organization, the risk assessment is performed on the member organization by cooperation of other assessment departments (or assessment organizations), and different assessment departments are responsible for risk assessment corresponding to different risk types.

In the prior art, the departments to which the service platform belongs may determine the risk assessment results for the member institution by means of mail circulation, for example, a first assessment department may record the assessment data of the member institution in the mail and forward the assessment data to a next assessment department, and the assessment department may record the assessment data of the member institution in the mail and forward the assessment data to the next assessment department, and so on until the institutions to which the service platform belongs collect the assessment data of all the assessment departments, and the assessment data and the assessment results of the member institution are integrated to obtain the integrated assessment results for the member institution.

It can be seen from the above prior art that the evaluation criteria of each evaluation department may be different to some extent, and each evaluation department needs more manual intervention when performing evaluation data transfer, which not only has low efficiency, but also may cause some problems in the evaluation data transfer process.

Therefore, how to improve the efficiency of risk assessment is an urgent problem to be solved.

Disclosure of Invention

The present specification provides a method and apparatus for risk assessment to partially solve the above problems in the prior art.

The technical scheme adopted by the specification is as follows:

the present specification provides a method of risk assessment comprising:

determining an object to be evaluated;

determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated, wherein different evaluation models are used for risk evaluation of different risk types, and the evaluation standard of the at least one evaluation model is uniform;

sending the evaluation model to an evaluator corresponding to the evaluation model for each evaluation model in the at least one evaluation model, so that the evaluator carries out risk evaluation on the object to be evaluated through the evaluation model to obtain an evaluation result of the object to be evaluated under a risk type corresponding to the evaluation model, and the evaluation result is used as an evaluation result corresponding to the evaluation model;

and performing comprehensive risk evaluation on the object to be evaluated according to the obtained evaluation result corresponding to each evaluation model, and performing risk control on the object to be evaluated according to the obtained comprehensive evaluation result.

Optionally, before determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated, the method further includes:

performing qualification verification on the object to be evaluated according to evaluation object related information of the object to be evaluated, wherein the evaluation object related information comprises at least one of the business information of the object to be evaluated and the entity verification information of the object to be evaluated;

determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated, and specifically comprising:

and if the object to be evaluated passes the qualification verification, determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated.

Optionally, determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated, specifically including:

determining a comprehensive model for performing risk assessment on the object to be assessed according to the service type corresponding to the object to be assessed, wherein the comprehensive model is used for stipulating an assessment standard of an assessment model matched with the comprehensive model;

and determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the comprehensive model.

Optionally, before performing comprehensive risk assessment on the object to be assessed according to the obtained assessment result corresponding to each assessment model, the method further includes:

determining an evaluation result corresponding to the object to be evaluated under a supplementary risk type through the comprehensive model, wherein the supplementary risk type comprises other risk types except the risk type corresponding to the at least one evaluation model and serves as the evaluation result corresponding to the comprehensive model;

according to the obtained evaluation result corresponding to each evaluation model, carrying out comprehensive risk evaluation on the object to be evaluated, which specifically comprises the following steps:

and carrying out comprehensive risk assessment on the object to be assessed according to the assessment result corresponding to the comprehensive model and the obtained assessment result corresponding to each assessment model.

Optionally, for each evaluation model, the evaluation model includes at least one evaluation item under the risk type corresponding to the evaluation model and an evaluation mode corresponding to each evaluation item;

sending the evaluation model to an evaluator corresponding to the evaluation model, so that the evaluator performs risk evaluation on the object to be evaluated through the evaluation model, specifically comprising:

and sending the evaluation model to an evaluator corresponding to the evaluation model, so that the evaluator determines a risk score obtained by evaluating the object to be evaluated according to an evaluation mode corresponding to the evaluation item for each evaluation item under the risk type corresponding to the evaluation model, and obtains an evaluation result corresponding to the evaluation model according to the risk score of each evaluation item under the risk type corresponding to the evaluation model.

Optionally, performing comprehensive risk assessment on the object to be assessed according to the obtained assessment result corresponding to each assessment model, specifically including:

determining the risk grade of the object to be evaluated under the risk type corresponding to each evaluation model according to the obtained evaluation result corresponding to each evaluation model;

and performing comprehensive risk evaluation on the object to be evaluated according to the risk level of the object to be evaluated under the risk type corresponding to each evaluation model.

Optionally, the method further comprises:

and storing an evaluation record aiming at the object to be evaluated, wherein the evaluation record comprises intermediate data obtained after risk evaluation is carried out on the at least one evaluation model and the comprehensive evaluation result, and the intermediate data comprises evaluation data obtained after risk evaluation is carried out on an evaluator corresponding to each evaluation model in the at least one evaluation model according to the evaluation model.

The present specification provides an apparatus for risk assessment comprising:

the object determination module is used for determining an object to be evaluated;

the model determining module is used for determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated, different evaluation models are used for risk evaluation of different risk types, and the evaluation standards of the at least one evaluation model are unified;

a sending module, configured to send, for each of the at least one evaluation model, the evaluation model to an evaluator corresponding to the evaluation model, so that the evaluator performs risk evaluation on the object to be evaluated through the evaluation model to obtain an evaluation result of the object to be evaluated under a risk type corresponding to the evaluation model, where the evaluation result is used as an evaluation result corresponding to the evaluation model;

and the risk control module is used for carrying out comprehensive risk evaluation on the object to be evaluated according to the obtained evaluation result corresponding to each evaluation model and carrying out risk control on the object to be evaluated according to the obtained comprehensive evaluation result.

The present specification provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the above-described method of risk assessment.

The present specification provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the above-mentioned method of risk assessment when executing the program.

The technical scheme adopted by the specification can achieve the following beneficial effects:

in the method and apparatus for risk assessment provided in this specification, an assessment platform may determine an object to be assessed, and determine at least one assessment model for assessing a risk of the object to be assessed according to a service type corresponding to the object to be assessed, where different assessment models are used for risk assessment of different risk types, and assessment criteria of the assessment models are uniform, and for each assessment model in the at least one assessment model, send the assessment model to an assessment party corresponding to the assessment model, so that the assessment party performs risk assessment on the object to be assessed through the assessment model, obtains an assessment result of the object to be assessed under the risk type corresponding to the assessment model, as an assessment result corresponding to the assessment model, and performs comprehensive risk assessment on the object to be assessed according to the obtained assessment result corresponding to each assessment model, and according to the obtained comprehensive evaluation result, performing risk control on the object to be evaluated.

According to the method, at least one evaluation model is a set of well-defined unified standard for risk evaluation of the object to be evaluated, so that an evaluator carries out risk evaluation according to the evaluation model, the evaluation result of the evaluator corresponding to the evaluation model can be quickly obtained, and the evaluation result can be obtained according to the unified standard of the evaluation model, therefore, compared with the prior art, the efficiency can be improved, the standard for risk evaluation of the evaluation object is unified, and a reasonable evaluation result is obtained.

Drawings

The accompanying drawings, which are included to provide a further understanding of the specification and are incorporated in and constitute a part of this specification, illustrate embodiments of the specification and together with the description serve to explain the description and not to limit the specification in a non-limiting sense. In the drawings:

FIG. 1 is a schematic flow chart of a method for risk assessment according to the present disclosure;

FIG. 2 is a schematic diagram of an integrated model provided herein;

FIG. 3 is a schematic diagram of joint rating for an object to be evaluated provided in the present specification;

FIG. 4 is a schematic view of a risk assessment device of the present disclosure;

fig. 5 is a schematic diagram of an electronic device corresponding to fig. 1 provided in the present specification.

Detailed Description

In order to make the objects, technical solutions and advantages of the present specification clearer, the technical solutions of the present specification will be clearly and completely described below with reference to specific embodiments of the present specification and corresponding drawings. It is to be understood that the embodiments described are only a few embodiments of the present disclosure, and not all embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any creative effort belong to the protection scope of the present specification.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

Fig. 1 is a schematic flow chart of a risk assessment method in this specification, which specifically includes the following steps:

s101: and determining an object to be evaluated.

S102: determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated, wherein different evaluation models are used for risk evaluation of different risk types, and the evaluation standard of the at least one evaluation model is uniform.

In practical application, the evaluation platform often needs to perform risk evaluation on an organization or a user, etc. having a business relationship with the evaluation platform, and based on this, the evaluation platform can determine an object to be evaluated and determine at least one evaluation model for evaluating the risk of the object to be evaluated according to the business type corresponding to the object to be evaluated, where different evaluation models are used for risk evaluation of different risk types, and the evaluation criteria of the at least one evaluation model are unified. The object to be evaluated mentioned here may refer to a subordinate evaluation object of the evaluation platform, that is, the object to be evaluated mentioned here may refer to a member institution, a user, etc. subordinate to the evaluation platform.

Each evaluation model corresponds to an evaluator, and the corresponding evaluator is required to evaluate the object to be evaluated through the evaluation model and return an evaluation result, so that the evaluation platform can smoothly perform risk evaluation on the object to be evaluated, that is, at least one evaluation model defines a set of standards for performing risk evaluation on the object to be evaluated, the evaluator only needs to perform risk evaluation according to the standards of the evaluation model, and then the evaluation platform can summarize the results of the evaluators for evaluating the object to be evaluated, so that the final result of performing risk evaluation on the object to be evaluated is determined through the evaluation results with consistent standards.

It should be noted that, the risk assessment performed on the assessment object through at least one assessment model requires that the assessment object is assessed on dimensions of multiple different risk types, and often the assessment is performed on the object to be assessed under the condition that the assessment object meets the most basic security requirement, that is, if the object to be assessed does not meet the most basic security requirement, the assessment platform does not need to perform risk assessment on the object to be assessed, and the assessment platform can notify the relevant business party that the business relationship with the object to be assessed is not established.

Therefore, before determining at least one evaluation model for evaluating the risk of the object to be evaluated, the evaluation platform may perform qualification verification on the object to be evaluated according to the information related to the object to be evaluated, and acquire at least one evaluation model for subsequent risk evaluation if the object to be evaluated passes the qualification verification. The related information of the evaluation object may include at least one of the business information of the evaluation object and the entity verification information of the evaluation object.

The entity verification information may include information such as an evaluation object identifier of the evaluation object, a service type, and an evaluation scenario in which risk evaluation is performed on the evaluation object this time (for example, whether the evaluation object is evaluated for the first time or the evaluation object is evaluated for the nth time). The qualification checks mentioned above may refer to checks performed against more serious risks, such as industrial and commercial verification (e.g., checking whether the company is a real company), etc. That is, the at least one risk type is of a lower risk type than the risk type in the qualification check.

In this specification, the evaluation platform may determine, according to a service type corresponding to the object to be evaluated, a comprehensive model used for performing risk evaluation on the object to be evaluated, and determine, according to the comprehensive model, at least one evaluation model used for evaluating a risk of the object to be evaluated, where the comprehensive model may be used to specify an evaluation model matched with the comprehensive model, the comprehensive model may include a plurality of evaluation models, and the plurality of models included in the comprehensive model may refer to the evaluation model matched with the comprehensive model.

The comprehensive model may refer to a generally defined standard for performing risk assessment on a risk type matching with the comprehensive model, and the comprehensive model may include a partial branch for performing risk assessment on its own risk type (supplementary risk type), or may include branches corresponding to the several assessment models, and each assessment model defines a standard for performing risk assessment on its own risk type.

S103: and sending the evaluation model to an evaluator corresponding to the evaluation model aiming at each evaluation model in the at least one evaluation model, so that the evaluator performs risk evaluation on the object to be evaluated through the evaluation model to obtain an evaluation result of the object to be evaluated under a risk type corresponding to the evaluation model, and taking the evaluation result as an evaluation result corresponding to the evaluation model.

S104: and performing comprehensive risk assessment on the object to be assessed according to the obtained assessment result corresponding to each assessment model, and performing risk control on the object to be assessed according to the obtained comprehensive assessment result.

After determining at least one evaluation model, the evaluation platform may send the evaluation model to an evaluator corresponding to the evaluation model for each evaluation model in the at least one evaluation model, so that the evaluator performs risk evaluation on the object to be evaluated through the evaluation model to obtain an evaluation result of the object to be evaluated under a risk type corresponding to the evaluation model, and the evaluation result is used as an evaluation result corresponding to the evaluation model.

That is to say, each evaluation model may be preset, each evaluation model corresponds to an evaluator capable of performing risk evaluation for a risk type corresponding to the evaluation model, the evaluation model is sent to the corresponding evaluator to perform risk evaluation, after the evaluator completes the risk evaluation, the evaluation platform may obtain a corresponding evaluation result, and then the evaluation platform may perform comprehensive risk evaluation on the object to be evaluated according to the obtained evaluation result corresponding to each evaluation model, and perform risk control on the object to be evaluated according to the obtained comprehensive evaluation result.

For each evaluation model, the evaluation model includes at least one evaluation item under the risk type corresponding to the evaluation model and an evaluation manner corresponding to each evaluation item, and for one evaluation item, the evaluation manners may be multiple, for example, an evaluation index corresponding to the evaluation item may be automatically calculated, and a risk score corresponding to the evaluation item may be determined according to the evaluation index. For another example, a plurality of options may be preset for the assessment item in advance, so that a risk assessment person who assesses the assessment item selects an option that the assessment object conforms to from the preset options, and the assessment platform may determine a risk score corresponding to the assessment item according to the option selected by the risk assessment person. Of course, the risk assessment person may also score the assessment item, so that the scoring result of the risk assessment person for the assessment item is used as the risk score corresponding to the assessment item.

Therefore, when the evaluator performs risk evaluation according to the evaluation model, for each evaluation item under the risk type corresponding to the evaluation model, a risk score obtained by evaluating the object to be evaluated according to the evaluation mode corresponding to the evaluation item is determined as a risk score corresponding to the evaluation item, and an evaluation result corresponding to the evaluation model is obtained according to the risk score of each evaluation item under the risk type corresponding to the evaluation model.

When the evaluation model is sent to an evaluator, an access entry corresponding to the evaluation model can be sent to a server (or a terminal) of the evaluator, and the evaluator can perform risk evaluation through the access entry, wherein for the evaluation item requiring the risk evaluator to participate in the evaluation, the access entry can be sent to the terminal of the risk evaluator, and the risk evaluator opens the access entry and then performs risk evaluation on the evaluation item, and for the evaluation item capable of directly calculating the evaluation index, the access entry (or the evaluation model) can be sent to the server of the evaluator, so that the server of the evaluator automatically calculates the evaluation index, and thus a risk score corresponding to the evaluation item is obtained.

The above-mentioned evaluation items may have different evaluation manners, but no matter which evaluation manner is used for evaluation, the risk score corresponding to the evaluation item may be determined, and therefore, each evaluation model may further include a conversion relationship for converting evaluation data (e.g., a calculated value of an evaluation index, an option selected by a risk evaluator, etc.) obtained by evaluating the evaluation item into a risk score.

It should be noted that the evaluation platform may collect the risk score of each evaluation item under the risk type corresponding to each evaluation model to obtain the risk score of the object to be evaluated under the risk type corresponding to each evaluation model, and obtain the overall risk score of the object to be evaluated as a comprehensive evaluation result, and of course, the evaluation platform may also determine the risk level of the object to be evaluated under the risk type corresponding to each evaluation model according to the evaluation result (e.g., the risk score of the evaluation item under each evaluation model) corresponding to each evaluation model, and perform comprehensive risk evaluation on the object to be evaluated according to the risk level of the object to be evaluated under the risk type corresponding to each evaluation model. The risk grade of the object to be evaluated under the risk type corresponding to each evaluation model can be the highest risk grade in the risk grades corresponding to the object to be evaluated.

The types of risks mentioned above may be manifold, such as: compliance risk, data security risk, transaction behavior risk, and the like, a plurality of evaluation items may exist in each risk type, that is, the risk of one risk type may be described by a plurality of evaluation items, that is, each evaluation item in the risk type may be regarded as a check item for the risk of the risk type, and if one evaluation item of the evaluation object in one risk type is serious, the evaluation object may have the serious risk of the risk type.

For example, for compliance risk, the compliance risk may include assessment item 1: license expiration issue, evaluation item 2: administrative risk issues, etc. The risk score of the business license expiration problem can be determined by inquiring whether the business license of the object to be evaluated is expired, the risk score of the administrative risk problem can be determined by inquiring how much administrative risk the object to be evaluated has in a certain period of history, and the higher the risk score of an evaluation item is, the more serious the object to be evaluated has on the evaluation item.

It should be noted that, the department (or organization) to which the evaluation platform belongs may also perform risk evaluation for a certain risk type, and each evaluator (other department or other organization) has an evaluation capability for a risk type corresponding to one (or more) evaluation models, so that the integrated model may further include an evaluation criterion for a risk type (which may be referred to as a supplementary risk type) that can perform risk evaluation for the department (or organization) to which the evaluation platform belongs. The supplemental risk types may include other risk types in addition to the risk type corresponding to the at least one assessment model.

Before the comprehensive risk assessment is carried out, the assessment result corresponding to the object to be assessed under the supplementary risk type can be determined through the comprehensive model and is used as the assessment result corresponding to the comprehensive model, and the comprehensive risk assessment is carried out on the object to be assessed according to the assessment result corresponding to the comprehensive model and the obtained assessment result corresponding to each assessment model. At least one evaluation item under the supplementary risk type corresponding to the integrated model and at least one evaluation item under the risk type corresponding to each evaluation model can be defined in the integrated model, as shown in fig. 2.

Fig. 2 is a schematic structural diagram of an integrated model provided in this specification.

As can be seen from fig. 2, the integrated model may be a multi-branch tree structure, and the integrated model defines both the evaluation item and the evaluation manner of each evaluation item under the risk type corresponding to each evaluation model, and defines the evaluation item and the evaluation manner of each evaluation item under the supplementary risk type (i.e., the root node).

It should be further noted that there may be more than one pre-constructed integrated model, different objects to be evaluated may perform risk evaluation through different integrated models, different integrated models have the same structure, the evaluation items included in the integrated model may be different, and for different objects to be evaluated, the evaluation items adopted during risk evaluation may be different, so that the integrated model corresponding to the service type may be determined according to the service type of the object to be evaluated, and used as the integrated model for performing risk evaluation on the object to be evaluated, of course, the integrated model may also be determined according to other information of the object to be evaluated, for example, the integrated model for performing risk evaluation on the object to be evaluated may be determined according to the information of the evaluation scene.

As can be seen from the above, under the condition that the standard for performing risk assessment on the whole object to be assessed is defined in the integrated model, the assessment platform needs to determine the assessment result of the risk type corresponding to the integrated model itself (i.e., the above-mentioned assessment result for the supplemental risk type) and the assessment result corresponding to each assessment model, but the assessment result corresponding to the assessment model needs to be determined by other departments (or mechanisms) capable of performing risk assessment on the risk type of the assessment model, so that the assessment platform can determine the assessment result corresponding to the integrated model directly according to the integrated model, but needs to distribute each assessment model to the assessment party corresponding to the assessment model (e.g., to the server of the assessment party, to the terminal of the staff corresponding to the assessment party), so that the evaluator determines an evaluation result according to the corresponding evaluation model and returns the evaluation result to the evaluation platform.

As mentioned above, the evaluation mode of each evaluation item under the supplementary risk type and the evaluation mode under the risk type corresponding to each evaluation model are defined in the comprehensive model, that is, like the core evaluation model of fig. 2 includes a plurality of levels, the lowest level is the evaluation mode, the risk score of the evaluation item in the previous level can be determined by the evaluation mode in the lowest level, and after the risk scores of all the evaluation items under one risk type are determined, the risk score of the evaluation object under the risk type can be determined, and further, the risk score of the whole evaluation object is determined.

Whether the risk score under the supplemental risk type is determined or the risk score under the risk type corresponding to at least one evaluation model is determined, the risk score corresponding to each evaluation item under the corresponding risk type can be determined, so that the risk score of the risk type as a whole can be determined.

Specifically, the evaluation platform may determine, for each evaluation item in the supplemental risk type, a risk score determined according to an evaluation manner corresponding to the evaluation item, as a risk score corresponding to the evaluation item, and determine, according to the risk score corresponding to each evaluation item in the supplemental risk type, an evaluation result corresponding to the comprehensive model.

And the evaluation platform can also determine the risk score of the object to be evaluated under the supplementary risk type according to the risk score corresponding to each evaluation item under the supplementary risk type, determine the risk grade of the object to be evaluated under the supplementary risk type according to the risk score, and take the risk grade as the evaluation result corresponding to the comprehensive model. Wherein the higher the risk score, the higher the risk rating.

The evaluation model is sent to the corresponding evaluator of the evaluation model by the evaluation platform, and then the business party can determine a risk score obtained by evaluation according to the evaluation mode corresponding to the evaluation item as the risk score corresponding to the evaluation item for each evaluation item under the risk type corresponding to the evaluation model, and obtain an evaluation result according to the risk score of each evaluation item under the risk type corresponding to the sub-evaluation model. The risk score of the object to be evaluated under the risk type corresponding to the evaluation model can be determined according to the risk score of each evaluation item under the risk type corresponding to the evaluation model, and the risk grade of the object to be evaluated under the risk type corresponding to the evaluation model can be determined according to the risk score under the risk type corresponding to the evaluation model.

It should be noted that, the above mentioned is to determine the risk score of the total under each risk type (including the supplementary risk type) and convert the risk score into the corresponding risk level, of course, the evaluation platform may also obtain the risk score of the evaluation item under each risk type, the risk score of the total under each risk type and the corresponding risk level, and keep these data, that is, the evaluation platform may store the evaluation record for the object to be evaluated (e.g., the evaluation record may be stored in the block chain). Namely, the evaluation record includes intermediate data obtained after risk evaluation is performed according to the comprehensive model and at least one evaluation model, and a comprehensive evaluation result. The intermediate data mentioned herein may refer to evaluation data obtained by performing risk evaluation according to the evaluation model by an evaluator corresponding to each evaluation model, and evaluation data obtained by performing risk evaluation through a comprehensive model, where the intermediate data may include a risk score of each evaluation item, data (e.g., options selected by a risk evaluator, evaluation indexes corresponding to calculated evaluation items, etc.) when performing evaluation according to an evaluation manner corresponding to each evaluation item, a risk score, a risk grade, etc. under each risk type,

if the comprehensive evaluation result indicates that the risk of the object to be evaluated is high, the object to be evaluated needs to be subjected to relatively strict risk control, and if the risk is low, the object to be evaluated can be subjected to relatively loose risk control or not subjected to risk control.

As mentioned in the above, the risk level of the object to be evaluated in the risk type corresponding to each evaluation model and the risk level in the complementary risk type may be determined, and the evaluation platform may determine the risk level corresponding to the object to be evaluated according to the risk level of the object to be evaluated in the risk type corresponding to each evaluation model and the risk level in the complementary risk type, and use the complementary risk level as the comprehensive evaluation result. The risk grade under the supplementary risk type and the highest risk grade in the risk grades under the at least one evaluation model can be used as the risk grade corresponding to the evaluation object.

It should be noted that, because the risk assessment needs to be performed on the object to be assessed comprehensively through each assessment model, when the assessment platform performs the risk assessment on the object to be assessed according to the comprehensive model and obtains the assessment result corresponding to the comprehensive model, the platform may enter a waiting state until the assessment results corresponding to all the assessment models are received, the waiting state is released, and the comprehensive assessment result for the object to be assessed is determined according to the assessment result corresponding to the comprehensive model and the assessment result corresponding to at least one assessment model.

After the comprehensive model is obtained and each evaluation model is distributed to an evaluator of the evaluation model, an evaluation task corresponding to the comprehensive model and an evaluation task corresponding to each evaluation model can be created, the evaluation task corresponding to the core evaluation model is used for determining an evaluation result corresponding to the comprehensive model through the comprehensive model, and the evaluation task corresponding to each evaluation model is used for determining an evaluation result corresponding to the evaluation model through the evaluation model. The above-mentioned waiting state may be that after the evaluation result corresponding to the integrated model is determined by the integrated model, the state of the evaluation task corresponding to the integrated model is a waiting state, and until the evaluation result corresponding to each evaluation model is received, the waiting state may be released, and the determination of the integrated evaluation result is started.

According to the method, the unified standard for risk assessment of the assessment object can be defined through the comprehensive model, so that the assessment party corresponding to the assessment model carries out risk assessment according to the assessment standard in the assessment model to obtain the assessment result, the assessment result of the assessment party corresponding to the assessment model can be quickly obtained, and the assessment result can be obtained according to the unified standard of the comprehensive model, therefore, compared with the prior art, the efficiency can be improved, the standard for risk assessment of the assessment object is unified, and a reasonable assessment result is obtained.

It should be noted that the integrated model may include not only the evaluation criteria of the supplementary risk types and the evaluation criteria of the risk types corresponding to the evaluation models, but also logic for normalizing the scores and determining the ratings (referred to as policy rules). After the evaluation items in the comprehensive model are scored, the score merging may be completed through a logic of score normalization (e.g., a preset weight item for each evaluation item), so as to obtain a risk score under each risk type, and each risk score may be converted into a risk level through a rating decision logic (i.e., a mapping logic for converting a risk score into a risk level). The policy rules may be implemented by a policy rules engine, which may refer to a component embedded in an application program, and implements separation of logic corresponding to the policy rules from application program code.

The above description is given by taking the evaluation platform as an execution subject, and of course, the risk evaluation may also be performed by a service platform capable of executing a certain service, the object to be evaluated may refer to a member organization providing a certain service in the service platform, the service platform may determine an integrated model in advance, perform the risk evaluation through the integrated model, and send each evaluation model included in the integrated model to each evaluation party to obtain an evaluation model corresponding to each evaluation model, thereby performing the integrated evaluation on the member organization.

The method of risk assessment in this specification is described in steps in the above, and the comprehensive model in this specification, which is a joint rating model, will be described in a complete example below, as shown in fig. 3.

Fig. 3 is a schematic diagram of joint rating for an object to be evaluated provided in this specification.

The joint rating mentioned here refers to performing risk assessment on the object to be assessed according to each risk type through the comprehensive model and each assessment model included in the comprehensive model, so as to obtain a comprehensive risk assessment result capable of representing the comprehensive risk condition of the object to be assessed. As can be seen from fig. 3, the integrated model can be predefined and stored in a model warehouse, when an object to be evaluated needs to be evaluated, an integrated model for the object to be evaluated can be obtained, an evaluation task of the integrated model itself is established, and each evaluation model is distributed to a corresponding evaluation party for evaluation, so that an evaluation result corresponding to each evaluation model is obtained, and finally, the evaluation result of the integrated model itself for the complementary risk type and the evaluation result of each evaluation model are combined, and a final evaluation result is obtained for the object to be evaluated as a comprehensive evaluation result, where the comprehensive evaluation result may be a risk level or a risk score.

Based on the same idea, the present specification also provides a corresponding risk assessment device, as shown in fig. 4.

Fig. 4 is a schematic diagram of a risk assessment apparatus provided in this specification, which specifically includes:

an object determination module 401, configured to determine an object to be evaluated;

a model determining module 402, configured to determine, according to a service type corresponding to the object to be evaluated, at least one evaluation model for evaluating a risk of the object to be evaluated, where different evaluation models are used for risk evaluation of different risk types, and an evaluation standard of the at least one evaluation model is uniform;

a sending module 403, configured to send, for each of the at least one evaluation model, the evaluation model to an evaluator corresponding to the evaluation model, so that the evaluator performs risk evaluation on the object to be evaluated through the evaluation model to obtain an evaluation result of the object to be evaluated in the risk type corresponding to the evaluation model, where the evaluation result is used as an evaluation result corresponding to the evaluation model;

and the risk control module 404 is configured to perform comprehensive risk assessment on the object to be assessed according to the obtained assessment result corresponding to each assessment model, and perform risk control on the object to be assessed according to the obtained comprehensive assessment result.

Optionally, before determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated, the object determination module 301 is further configured to perform qualification verification on the object to be evaluated according to evaluation object related information of the object to be evaluated, where the evaluation object related information includes at least one of business information of the object to be evaluated and entity verification information of the object to be evaluated;

the model determining module 402 is specifically configured to determine, if it is determined that the object to be evaluated passes the qualification check, at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated.

Optionally, the model determining module 402 is specifically configured to determine, according to the service type corresponding to the object to be evaluated, an integrated model for performing risk assessment on the object to be evaluated, where the integrated model is used to specify an assessment standard of an assessment model matched with the integrated model; and determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the comprehensive model.

Optionally, before performing comprehensive risk assessment on the object to be assessed according to the obtained assessment result corresponding to each assessment model, the sending module 403 is further configured to determine, by using the comprehensive model, an assessment result corresponding to the object to be assessed under a supplementary risk type, as the assessment result corresponding to the comprehensive model, where the supplementary risk type includes other risk types except the risk type corresponding to the at least one assessment model;

the risk control module 404 is specifically configured to perform comprehensive risk assessment on the object to be assessed according to the assessment result corresponding to the comprehensive model and the obtained assessment result corresponding to each assessment model.

the sending module 403 is specifically configured to send the evaluation model to an evaluator corresponding to the evaluation model, so that the evaluator determines, for each evaluation item under the risk type corresponding to the evaluation model, a risk score obtained by evaluating the object to be evaluated in an evaluation manner corresponding to the evaluation item, as a risk score corresponding to the evaluation item, and obtains an evaluation result corresponding to the evaluation model according to the risk score of each evaluation item under the risk type corresponding to the evaluation model.

Optionally, the risk control module 404 is specifically configured to determine, according to the obtained evaluation result corresponding to each evaluation model, a risk level of the object to be evaluated under the risk type corresponding to each evaluation model; and performing comprehensive risk evaluation on the object to be evaluated according to the risk level of the object to be evaluated under the risk type corresponding to each evaluation model.

Optionally, the apparatus further comprises:

a storage module 405, configured to store an evaluation record for the object to be evaluated, where the evaluation record includes intermediate data obtained after risk evaluation is performed on the at least one evaluation model and the comprehensive evaluation result, and the intermediate data includes evaluation data obtained after risk evaluation is performed on an evaluator corresponding to each evaluation model in the at least one evaluation model according to the evaluation model.

The present specification also provides a computer-readable storage medium having stored thereon a computer program operable to perform the method of risk assessment shown in fig. 1 described above.

This specification also provides a schematic block diagram of the electronic device shown in fig. 5. As shown in fig. 5, at the hardware level, the electronic device includes a processor, an internal bus, a network interface, a memory, and a non-volatile memory, but may also include hardware required for other services. The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs the computer program to implement the method for risk assessment described in fig. 1 above. Of course, besides the software implementation, the present specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may be hardware or logic devices.

In the 90 s of the 20 th century, improvements to a technology could clearly distinguish between improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements to process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical blocks. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the raw code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one kind, but many kinds, such as abll (advanced Boolean Expression Language), ahdl (advanced Description Language), communication, pl (core unity Programming Language), HDCal (jhdh Description Language), Java, Language, HDL, pam, Hardware Description Language (vhware Description Language), and vhigh-Language (vhhardware Description Language, which is currently used most commonly. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functions may be implemented entirely by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement the information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, the description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and portions that are similar to each other in the embodiments are referred to each other, and each embodiment focuses on differences from other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.

Claims

1. A method of risk assessment, comprising:

determining an object to be evaluated;

sending the evaluation model to an evaluator corresponding to the evaluation model for each evaluation model in the at least one evaluation model, so that the evaluator performs risk evaluation on the object to be evaluated through the evaluation model to obtain an evaluation result of the object to be evaluated under a risk type corresponding to the evaluation model, and taking the evaluation result as an evaluation result corresponding to the evaluation model;

and performing comprehensive risk assessment on the object to be assessed according to the obtained assessment result corresponding to each assessment model, and performing risk control on the object to be assessed according to the obtained comprehensive assessment result.

2. The method according to claim 1, wherein before determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated, the method further comprises:

3. The method according to claim 1, wherein determining at least one evaluation model for evaluating the risk of the object to be evaluated according to the service type corresponding to the object to be evaluated specifically comprises:

4. The method according to claim 3, wherein before performing the comprehensive risk assessment on the object to be assessed according to the obtained assessment result corresponding to each assessment model, the method further comprises:

5. The method of claim 1, wherein for each evaluation model, the evaluation model comprises at least one evaluation item under the risk type corresponding to the evaluation model and an evaluation mode corresponding to each evaluation item;

6. The method according to claim 1, wherein the comprehensive risk assessment is performed on the object to be assessed according to the obtained assessment result corresponding to each assessment model, and specifically comprises:

determining the risk level of the object to be evaluated under the risk type corresponding to each evaluation model according to the obtained evaluation result corresponding to each evaluation model;

7. The method of any of claims 1-6, further comprising:

and storing an evaluation record aiming at the object to be evaluated, wherein the evaluation record comprises intermediate data obtained after risk evaluation is carried out on at least one evaluation model and the comprehensive evaluation result, and the intermediate data comprises evaluation data obtained after risk evaluation is carried out on an evaluator corresponding to each evaluation model in the at least one evaluation model according to the evaluation model.

8. An apparatus for risk assessment, comprising:

9. A computer-readable storage medium, storing a computer program which, when executed by a processor, implements the method of any of claims 1 to 7.

10. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method of any of claims 1 to 7 when executing the program.