CN114638534A

CN114638534A - Risk processing method and device, electronic equipment and storage medium

Info

Publication number: CN114638534A
Application number: CN202210340553.6A
Authority: CN
Inventors: 王路洋
Original assignee: Boc Financial Technology Co ltd
Current assignee: Boc Financial Technology Co ltd
Priority date: 2022-03-31
Filing date: 2022-03-31
Publication date: 2022-06-17

Abstract

The invention provides a risk processing method, a risk processing device, electronic equipment and a storage medium, wherein the method comprises the following steps: determining a first risk level of a risk objective; periodically outputting a risk processing task corresponding to the risk objective based on a cycle duration corresponding to the first risk level; acquiring first risk event data corresponding to the risk processing task; updating the first risk level based on the first risk event data, determining a second risk level of the risk objective; determining a processing strategy for the risk objective based on the second risk level. According to the risk processing method and system, the risk processing tasks corresponding to the risk targets are automatically pushed, so that the potential risks existing in the risk targets can be conveniently identified and found, the risk grades are determined based on the identified risks to provide corresponding risk processing strategies, the purpose of reducing or resolving the risks can be achieved, and the process and standardization of risk processing can be achieved.

Description

Risk processing method and device, electronic equipment and storage medium

Technical Field

The present invention relates to the field of risk identification technologies, and in particular, to a risk processing method and apparatus, an electronic device, and a storage medium.

Background

The risk identification and processing are important links of an information technology service system, the common risk identification and processing method is usually carried out manually at present, the risk processing personnel mainly checks related information by means of manual inquiry or home check, the risk identification is carried out automatically, and a risk processing strategy is formulated according to experience.

The risk identification and processing method mainly depends on manual periodic review, active supervision is not realized, and the method mainly depends on the personal ability and subjective consciousness of risk processing personnel and lacks a uniform standard.

Disclosure of Invention

Aiming at the problems in the prior art, the invention provides a risk processing method, a risk processing device, electronic equipment and a storage medium.

In a first aspect, the present invention provides a risk processing method, including:

determining a first risk level of a risk objective;

periodically outputting risk processing tasks corresponding to the risk objective based on a cycle duration corresponding to the first risk level;

acquiring first risk event data corresponding to the risk processing task;

updating the first risk level based on the first risk event data, determining a second risk level of the risk objective;

determining a processing policy for the risk objective based on the second risk level, the processing policy corresponding to the second risk level.

Optionally, according to a risk processing method provided by the present invention, the determining a first risk level of a risk target includes:

determining a subject type and second risk event data for the risk objective;

determining a first risk level for the risk objective based on the subject type and the second risk event data.

Optionally, according to a risk processing method provided by the present invention, the updating the first risk level based on the first risk event data, and determining a second risk level of the risk target include:

determining the second risk level based on the first risk event data and the second risk event data.

Optionally, according to a risk processing method provided by the present invention, before the determining the subject type of the risk target and the second risk event data, the method further includes:

obtaining external risk related data of the risk target;

determining a risk indicator value based on the external risk-related data;

judging whether the risk index value reaches a threshold value;

determining that the risk target is at risk and determining the external risk related data as the second risk event data, if it is determined that the risk index value reaches the threshold value.

Optionally, according to a risk processing method provided by the present invention, the determining the second risk level based on the first risk event data and the second risk event data includes:

determining the second risk level based on the first risk event data, the second risk event data, and the subject type.

Optionally, according to a risk processing method provided by the present invention, before the periodically outputting a risk processing task corresponding to the risk target based on the period duration corresponding to the first risk level, the method further includes:

determining the cycle duration based on the first risk level and the subject type.

Optionally, according to a risk processing method provided by the present invention, the determining a processing policy for the risk target based on the second risk level includes:

determining the processing strategy as expanding the traffic of the risk target under the condition that the second risk level is a first level;

determining the processing policy to be a traffic volume to maintain the risk objective if the second risk level is a second level;

and determining the processing strategy to be the traffic of the risk target of pressure drop under the condition that the second risk level is a third level.

In a second aspect, the present invention further provides a risk processing apparatus, including:

a first determination module for determining a first risk level of a risk objective;

an output module to periodically output risk processing tasks corresponding to the risk objective based on a cycle duration corresponding to the first risk level;

an acquisition module, configured to acquire first risk event data corresponding to the risk processing task;

a second determination module for updating the first risk level based on the first risk event data, determining a second risk level of the risk objective;

a third determination module to determine a processing policy for the risk objective based on the second risk level, the processing policy corresponding to the second risk level.

In a third aspect, the present invention also provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the risk processing method according to the first aspect.

In a fourth aspect, the present invention also provides a non-transitory computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the risk processing method according to the first aspect.

In a fifth aspect, the present invention also provides a computer program product comprising a computer program which, when executed by a processor, implements the risk processing method as described in any one of the above.

According to the risk processing method, the risk processing device, the electronic equipment and the storage medium, the initial risk level of the risk target is determined, the risk processing task corresponding to the risk target is periodically and automatically pushed based on the period duration corresponding to the initial risk level, the potential risk existing in the risk target is conveniently identified and found, the risk level is re-determined based on the identified risk, a corresponding risk processing strategy is given, the purpose of reducing or resolving the risk can be achieved, and the process and standardization of risk processing can be achieved.

Drawings

In order to more clearly illustrate the technical solutions of the present invention or the prior art, the drawings needed for the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.

FIG. 1 is one of the flow diagrams of a risk processing method provided by the present invention;

FIG. 2 is a schematic flow diagram of risk event identification provided by the present invention;

FIG. 3 is a second schematic flow chart of the risk processing method provided by the present invention;

FIG. 4 is a schematic diagram of risk processing task pushing provided by the present invention;

FIG. 5 is a schematic structural diagram of a risk management device provided in the present invention;

fig. 6 is a schematic physical structure diagram of an electronic device provided in the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. 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 invention.

The risk processing method, apparatus, electronic device and storage medium provided by the present invention are described below with reference to fig. 1 to 6.

Fig. 1 is a schematic flow chart of a risk processing method provided by the present invention, and as shown in fig. 1, the method includes the following steps 100-120:

step 100, determining a first risk level of a risk target;

step 110, periodically outputting a risk processing task corresponding to the risk objective based on a period duration corresponding to the first risk level;

step 120, acquiring first risk event data corresponding to the risk processing task;

step 130, updating the first risk level based on the first risk event data, and determining a second risk level of the risk objective;

step 140, determining a handling policy for the risk objective based on the second risk level, the handling policy corresponding to the second risk level.

Specifically, in order to overcome the defects that the existing risk processing method is mainly performed manually and lacks of unified standards, the risk processing method and the risk processing system have the advantages that the first risk level (initial risk level) of the risk target is determined, then the risk processing tasks corresponding to the risk target are periodically and automatically pushed based on the period duration corresponding to the first risk level, the potential risks existing in the risk target can be conveniently identified and found, the risk level is re-determined based on the identified risk, and the corresponding risk processing strategy is given, so that the purpose of reducing or resolving the risk can be achieved, and the risk processing can be streamlined and standardized.

Optionally, a first risk level for the risk objective may be determined, wherein the first risk level may be an initial risk level determined for the risk objective.

Alternatively, the risk target may be a recipient for post-incident risk management or risk management.

For example, the risk target may be a project or customer for which the financial transaction is in a renewal, and the present invention is not limited in this respect.

Alternatively, the risk processing task corresponding to the risk objective may be periodically output based on a cycle duration corresponding to the first risk level.

Alternatively, the mapping rule between the first risk level and the cycle duration may be preset in advance.

For example, the first risk level may be set to a first level with a corresponding cycle duration of 6 months.

For example, the first risk level may be set to the second level, corresponding to a cycle duration of 3 months.

For example, the first risk level may be set to the third level, and the corresponding cycle duration may be 1 month.

Optionally, first risk event data corresponding to the risk processing task may be acquired.

Alternatively, the number of output risk processing tasks may be preset empirically. For example, the risk processing task may be output once every 6 months for risk processing personnel to perform statistics and analysis on the risk data, and when the output number reaches 4 times, the first risk event data may be acquired based on the 4 risk processing tasks.

For example, the fund flow monitoring of the client may be performed based on 4 risk processing tasks, the risk processing staff may analyze whether the client has a risk of changing loan usage or the like according to the fund flow, and the risk processing staff may further obtain potential risk data or internal risk event data of the risk target from the risk processing staff as the first risk event data.

Optionally, the first risk level may be updated based on the first risk event data, and a second risk level of the risk objective may be determined.

For example, the first risk event data may be quantified and a second risk level for the risk objective may be determined based on the result of the quantification.

Optionally, a processing strategy for the risk objective may be determined based on the second risk level.

Optionally, the processing policy for the risk objective may correspond to a second risk level.

Optionally, the processing strategy for the risk objective may include expanding the traffic of the risk objective, maintaining the traffic of the risk objective, or dropping the traffic of the risk objective, etc.

For example, where the second risk level of the risk target is the first level, the loanable number of the risk target may be increased.

For example, where the second risk level of the risk target is a second level, a loanable number of the risk target may be maintained.

For example, where the second risk level of the risk target is a third level, the loanable number of risk targets may be dropped.

According to the invention, by establishing a qualitative standard of risks and automatically dispatching risk processing tasks in a periodic manner, risk information is automatically collected and pushed to risk processing personnel afterwards, so that the functions of risk supervision and timely monitoring are achieved.

According to the risk processing method provided by the invention, the initial risk level of the risk target is determined, the risk processing task corresponding to the risk target is periodically and automatically pushed based on the period duration corresponding to the initial risk level, so that the potential risk existing in the risk target is conveniently identified and found, the risk level is re-determined based on the identified risk, a corresponding risk processing strategy is given, the purpose of reducing or resolving the risk can be achieved, and the process and standardization of risk processing can be realized.

Optionally, the determining a first risk level of a risk objective comprises:

determining a subject type and second risk event data for the risk objective;

Specifically, when determining the first risk level of the risk objective, the subject type and the second risk event data of the risk objective may be determined first; a first risk level for the risk objective is then determined based on the subject type of the risk objective and the second risk event data.

Alternatively, the subject type of the risk target may be a size of an enterprise corresponding to the risk target, for example, the subject type of the risk target is a large enterprise or a medium-small enterprise.

Alternatively, the second risk event data of the risk target may be external risk data of the risk target, such as financial information, credit information, judicial information, loan information, etc., which the present invention is not particularly limited to.

Optionally, a first risk level of the risk objective or an initial risk level of the risk objective may be determined based on the subject type of the risk objective and the second risk event data.

For example, where the second risk event data is loan scale, a first risk level for the risk objective may be determined based on the subject type of the risk objective and the loan scale.

For example, a first risk level for a risk target may be determined with reference to the rules set forth in Table 1, where a > b >0, c > d > 0.

TABLE 1 determination of first Risk level

Alternatively, the determination rule of the first risk level in table 1 is only an example, and the present invention is not particularly limited thereto.

Optionally, said updating said first risk level based on said first risk event data, determining a second risk level of said risk objective, comprises:

Optionally, a second risk level may be determined based on the first risk event data and the second risk event data.

Optionally, the first risk event data and the second risk event data may be quantized to obtain risk characteristics, and then the second risk level of the risk target may be determined based on the number of the risk characteristics.

Alternatively, the risk characteristics may be risk condition characteristics of the risk targets, which may be used as qualitative or quantitative indicators of risk, such as fund flow, financial status, credit investigation condition, case involvement, etc. of the customers.

The present invention may more accurately determine the risk level of a risk target by combining first risk event data (i.e., internal risk event data) and second risk event data (i.e., external risk event data) of the risk target.

Optionally, prior to the determining the subject type of the risk objective and the second risk event data, the method further comprises:

acquiring external risk related data of the risk target;

determining a risk indicator value based on the external risk-related data;

judging whether the risk index value reaches a threshold value;

Specifically, the second risk event data of the risk target may be determined by the following steps (a) to (d):

a step (a): acquiring external risk related data of a risk target;

for example, the financial report data, credit data, judicial data, or the like of the risk target may be collected as the external risk related data of the risk target, which is not specifically limited by the present invention.

Step (b): determining a risk index value based on the external risk related data;

alternatively, the external risk-related data (financial data, credit data, and judicial data) may be first cleaned and processed into a risk indicator item (e.g., the asset liability ratio), and then a risk indicator value corresponding to the risk indicator item (e.g., the asset liability ratio is equal to total liability/total asset × 100%) may be calculated based on a conventional calculation manner.

Step (c): judging whether the risk index value reaches a threshold value;

step (d): and under the condition that the risk index value is determined to reach the threshold value, determining that the risk target has risk, and determining external risk related data as second risk event data.

Optionally, a threshold may be preset, and when it is determined that the risk index value reaches the threshold, it is determined that the risk target has a risk, and the external risk related data may be determined as the second risk event data.

For example, the preset threshold is the asset liability rate 100%, and if it is determined that the risk indicator item reaches the threshold, it indicates that the risk target has a corresponding risk, thereby completing the identification of the risk event.

For example, fig. 2 is a schematic flow diagram of risk event identification provided by the present invention, and as shown in fig. 2, first, risk data is collected, then a risk index value is calculated based on the collected risk data, whether the risk index value reaches a preset threshold is further determined, and when the risk index value reaches the preset threshold, it is determined that a risk event exists in a risk target.

According to the invention, the purpose of automatically identifying the risk event is achieved by uniformly and standardizing the risk related data of the risk target.

Optionally, said determining said second risk level based on said first risk event data and said second risk event data comprises:

Optionally, a second risk level for the risk objective may be determined based on the first risk event data, the second risk event data, and the subject type of the risk objective.

Optionally, the first risk event data and the second risk event data may be quantized to obtain risk features, and then the second risk level of the risk target may be determined based on the number of the risk features and the subject type of the risk target.

Alternatively, the risk characteristics may be risk condition characteristics of the risk target, which may be used as qualitative or quantitative indicators of risk, such as fund flow, financial status, credit condition, case-related condition, etc. of the client.

For example, the second risk level for the risk objective may be determined with reference to the rules set forth in Table 2.

TABLE 2 determination rules for second Risk level

Alternatively, the determination rule of the second risk level in table 2 is only an example, and the present invention is not particularly limited thereto.

The present invention may more accurately determine the risk level of a risk target by combining first risk event data (i.e. internal risk event data) and second risk event data (i.e. external risk event data) of the risk target.

Optionally, before the periodically outputting the risk processing task corresponding to the risk objective based on the period duration corresponding to the first risk level, the method further comprises:

Optionally, the period duration of the risk processing task output may be determined based on the first risk level corresponding to the risk objective and the subject type of the risk objective.

For example, the period length of the output of the risk processing task may be determined with reference to the rule set at 3.

TABLE 3 determination of cycle duration for output Risk handling tasks

Alternatively, the rule for determining the cycle duration of the risk processing task output in table 3 is only an example, and the present invention is not limited in this respect.

Optionally, the determining a processing policy for the risk objective based on the second risk level includes:

Alternatively, in the case where the second risk level is the first level, the traffic whose processing policy is the extended risk target may be determined.

Alternatively, where the second risk level is a second level, the processing policy may be determined to be the amount of traffic to maintain the risk objective.

Alternatively, in the case where the second risk level is a third level, the traffic whose processing strategy is the pressure drop risk target may be determined.

For example, fig. 3 is a second schematic flow chart of the risk processing method provided by the present invention, and as shown in fig. 3, the risk processing method performs risk analysis on a risk target by combining external risk event data of the risk target with internal risk event data obtained by pushing a risk processing task, and finally gives a processing policy corresponding to the risk target based on a risk analysis result.

In the risk processing method shown in fig. 3, the following three core parts are mainly included:

(1) identifying a risk event;

alternatively, the external risk event related data (financial data, credit data, and judicial data) may be data-washed and processed into risk indicator terms.

Alternatively, common rules (for example, the total liability rate is equal to the total liability/the total asset × 100%) may be configured, the risk index value (for example, the liability rate) may be calculated by the configured rules, and then, when the threshold value is reached by comparing with a configured threshold value (for example, the liability rate threshold value is set to 100%), it indicates that the risk target has a corresponding risk (for example, the liability rate is greater than 100%), thereby completing the identification of the risk event.

(2) Pushing a risk processing task after the fact;

optionally, a task processing push engine may be provided, which may include a task push rule management and task workflow engine portion.

For example, fig. 4 is a schematic diagram of risk processing task pushing provided by the present invention, and as shown in fig. 4, a post-event risk processing task is pushed to a post-event handler according to risk classification and task pushing rules.

Specifically, a pushing period of a risk processing task is determined according to initial classification of a risk target; and then generating post-processing task data according to different risk targets in a batch manner based on a pushing period, sending the post-processing task data to a task workflow engine, grabbing the task data to be pushed every day by the task workflow engine in a timed polling manner, calling a task creating method corresponding to the workflow engine to create a post-processing task, and finally pushing the post-processing task to post-processing personnel for processing.

(3) And re-grading the risk targets according to the risk characteristic condition and providing post-processing strategy suggestions.

Specifically, new risk stratification and post-processing strategy recommendations are mapped based on risk features found in the external risk data identification and post-processing tasks.

For example, a specific post-processing strategy may refer to table 4.

TABLE 4 post-event processing policy Table

Optionally, the risk processing method provided by the present invention may be executed by using a post-processing module, a risk collecting module, a task processing module and a risk analyzing module, wherein:

the post-processing module can be used for processing post-processing risk tasks, and post-processing personnel can qualitatively and quantitatively judge the risk condition of the risk target in a mode of processing the post-processing tasks, so that material support is provided for risk analysis;

the risk acquisition module can be used for establishing a file of the risk target, comprises the name, the risk level, the main body type (large-scale enterprises, medium-and small-scale enterprises and the like) and the loan scale of the risk target, and can also be used for acquiring the open risk related information and collecting the risk related information into the risk characteristics of the risk incident and the risk target so as to be embodied in the post-processing task;

the task processing module may be configured to periodically generate post-processing tasks based on an initial risk classification of the risk objective and to periodically update the risk classification of the risk objective;

the risk analysis module can calculate quantifiable risk characteristic indexes through classification, quantification, summarization and other modes according to the results of post-processing task processing and emergent risk events, analyze the risk characteristics generated by post-processing aiming at the risk targets according to set rules, update the risk classification of the risk targets, and provide strategy suggestions of post-processing.

Optionally, the task processing module may be configured with a risk classification rule of the risk target and an after-event risk processing task push rule.

Optionally, the task processing module may push the after-affair risk processing task based on the configured after-affair risk processing task pushing rule and the risk classification rule of the risk target.

Optionally, the post-processing module may output the pushed post-risk processing task to a post-processor for processing.

Optionally, a risk identification rule may be configured in the risk collection module.

Alternatively, the risk collection module may collect risk data and process the collected risk data into risk events via risk identification rules.

Optionally, the risk collection module and the post-processing module may group the acquired risk events into risk features.

Alternatively, the risk analysis module may determine a risk classification for the risk objective according to the risk classification rules and determine a post-processing policy corresponding to the risk classification.

Optionally, the risk processing method provided by the invention can be implemented by Java language.

Optionally, the invention is beneficial to the enterprise such as a financial institution to complete the post-processing work of the risk by constructing a complete risk processing method.

Optionally, a standard post-processing check point and a risk knowledge base can be constructed to help post-processing personnel to actively identify the risk event, so that the post-processing efficiency is improved.

Alternatively, external risk data (such as financial information, credit information, judicial information, etc.) can be collected, processed and standardized by establishing a risk event rule engine, so as to realize automatic risk event identification.

Optionally, the risk characteristics of the risk target can be analyzed according to daily post-processing and risk identification generated risk events, and then the risk level of the risk target can be determined.

Optionally, a post-processing policy for the risk objective may be determined based on the risk level of the risk objective.

Optionally, the post-processing proposed in the embodiment of the present invention may include: after financial businesses such as loan issuance and the like occur and before the principal is withdrawn and the whole process is finished, the financial institutions collect the change conditions of clients, guarantees and the like, analyze the influence of various items on the financial businesses and timely discover and solve the activities of risks.

Optionally, the risk event proposed in the embodiment of the present invention may include: after the loan transaction is carried out by the risk target, a payment overdue event can occur or an event with certain relevance, causality or symptom can cause the payment overdue of the risk target to occur.

Optionally, the automatic identification of the risk characteristics may be implemented by a rule engine, the risk data is processed into index items in a formula manner, and the risk event is identified by judgment.

Optionally, the risk processing method provided by the invention can help post-processing personnel identify and find risks through automatic tools such as automatic risk identification and post-processing task pushing, and periodically update risk classification of risk targets and corresponding processing strategies based on configured rules, thereby being beneficial to effectively improving the working efficiency of post-processing personnel.

Optionally, the risk processing task is automatically pushed in a periodic mode by establishing qualitative and quantitative standards of risks, and risk information is automatically collected and pushed to post-processing personnel, so that the effects of risk supervision and timely monitoring of risk targets can be achieved.

Optionally, the risk processing method provided by the invention can be used for the post-affair management of the financial institution, can realize the flow and standardization of the complex post-affair management of the financial institution, and forms a post-affair management system of the financial institution by combining the automatic identification of the system and the artificial daily management, thereby achieving the purposes of degrading and reducing risks.

The risk processing device provided by the present invention is described below, and the risk processing device described below and the risk processing method described above may be referred to in correspondence with each other.

Fig. 5 is a schematic structural diagram of a risk processing apparatus provided in the present invention, and as shown in fig. 5, the apparatus includes: a first determining module 510, an output module 520, an obtaining module 530, a second determining module 540, and a third determining module 550; wherein:

a first determination module 510 for determining a first risk level of a risk objective;

an output module 520 configured to periodically output a risk processing task corresponding to the risk objective based on a cycle duration corresponding to the first risk level;

an obtaining module 530 configured to obtain first risk event data corresponding to the risk processing task;

a second determining module 540, configured to update the first risk level based on the first risk event data, and determine a second risk level of the risk objective;

a third determining module 550, configured to determine a processing policy for the risk objective based on the second risk level, where the processing policy corresponds to the second risk level.

In particular, the risk processing device may determine a first risk level of the risk objective by the first determination module 510; then, based on the cycle duration corresponding to the first risk level, periodically outputting, by the output module 520, a risk processing task corresponding to the risk objective; first risk event data corresponding to the risk processing task is next acquired by the acquisition module 530; updating the first risk level by a second determination module 540 based further on the first risk event data, determining a second risk level of the risk objective; finally, a processing strategy for the risk objective is determined by the third determination module 550 based on the second risk level, wherein the processing strategy corresponds to the second risk level.

It should be noted that, the apparatus provided in the embodiment of the present invention can implement all the method steps implemented by the risk processing method embodiment, and can achieve the same technical effect, and detailed descriptions of the same parts and beneficial effects as those of the method embodiment in this embodiment are not repeated herein.

According to the risk processing device provided by the invention, the initial risk level of the risk target is determined, the risk processing task corresponding to the risk target is periodically and automatically pushed based on the period duration corresponding to the initial risk level, so that the potential risk existing in the risk target can be conveniently identified and found, the risk level is re-determined based on the identified risk, a corresponding risk processing strategy is given, the purpose of reducing or resolving the risk can be achieved, and the process and standardization of risk processing can be realized.

Fig. 6 is a schematic physical structure diagram of an electronic device provided in the present invention, and as shown in fig. 6, the electronic device may include: a processor (processor)610, a communication Interface (Communications Interface)620, a memory (memory)630 and a communication bus 640, wherein the processor 610, the communication Interface 620 and the memory 630 communicate with each other via the communication bus 640. The processor 610 may call logic instructions in the memory 630 to perform the risk processing methods provided by the methods described above, including:

determining a first risk level of a risk objective;

periodically outputting a risk processing task corresponding to the risk objective based on a cycle duration corresponding to the first risk level;

acquiring first risk event data corresponding to the risk processing task;

In addition, the logic instructions in the memory 630 may be implemented in software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

In another aspect, the present invention also provides a computer program product comprising a computer program stored on a non-transitory computer-readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform a risk processing method provided by the above methods, the method comprising:

determining a first risk level of a risk objective;

acquiring first risk event data corresponding to the risk processing task;

In yet another aspect, the present invention also provides a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, is implemented to perform the risk processing method provided above, the method comprising:

determining a first risk level of a risk objective;

acquiring first risk event data corresponding to the risk processing task;

The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment may be implemented by software plus a necessary general hardware platform, and may also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.

Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims

1. A risk processing method, comprising:

determining a first risk level of a risk objective;

acquiring first risk event data corresponding to the risk processing task;

2. The risk processing method of claim 1, wherein determining the first risk level of the risk objective comprises:

determining a subject type and second risk event data for the risk objective;

3. The risk processing method of claim 2, wherein the updating the first risk level based on the first risk event data, determining a second risk level of the risk objective, comprises:

4. The risk processing method of claim 2, wherein prior to the determining the subject type of the risk objective and the second risk event data, the method further comprises:

obtaining external risk related data of the risk target;

determining a risk indicator value based on the external risk-related data;

judging whether the risk index value reaches a threshold value;

5. The risk processing method of claim 3, wherein the determining the second risk level based on the first risk event data and the second risk event data comprises:

6. The risk processing method of any of claims 2-5, wherein prior to the periodically outputting the risk processing task corresponding to the risk objective based on the period duration corresponding to the first risk level, the method further comprises:

7. The risk processing method according to any of claims 1-5, wherein determining a processing strategy for the risk objective based on the second risk level comprises:

determining the processing strategy to expand the traffic volume of the risk target under the condition that the second risk level is a first level;

8. A risk processing apparatus, comprising:

the acquisition module is used for acquiring first risk event data corresponding to the risk processing task;

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the risk processing method according to any one of claims 1 to 7 when executing the program.

10. A non-transitory computer readable storage medium having stored thereon a computer program, wherein the computer program, when executed by a processor, implements the risk processing method according to any one of claims 1 to 7.

11. A computer program product comprising a computer program, wherein the computer program, when executed by a processor, implements the risk processing method of any of claims 1 to 7.