CN115170293A - Post-loan management method and device - Google Patents
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Abstract
The invention discloses a post-loan management method and a post-loan management device, which belong to artificial intelligence, wherein the method comprises the following steps: acquiring a remote sensing image from a remote sensing satellite; determining items to be subjected to post-loan management; determining a remote sensing image in a region related to the project in the remote sensing image; determining the change of the project through the change of the remote sensing image in the region within a preset time period; and performing post-loan management according to the change trend. The invention can realize real-time post-loan management, solves the problems of data lag and difficult acquisition of enterprises in the traditional economic assessment, and is convenient for assessing the operation condition of the enterprises and predicting the economic trend of the enterprises.
Description
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to a post-loan management method and a post-loan management device.
Background
The credit management and risk control in banking industry has become one of the core competencies of banks, and the post-credit risk management, which is an indispensable part of the credit risk management, is also increasingly a key focus of the banks. The post-loan management is the final link of credit management, is an important ring for controlling risks and preventing bad loans, and plays a vital role in ensuring the safety of bank loans and case prevention and control.
Current post-loan management is performed by human analysis of the enterprise's historical financial data by a customer manager.
The defects of the prior art are as follows: post-loan management cannot be performed in real time.
Disclosure of Invention
The embodiment of the invention provides a post-loan management method, which is used for solving the problem that the post-loan management cannot be carried out in real time and comprises the following steps:
acquiring a remote sensing image from a remote sensing satellite;
determining items to be subjected to post-loan management;
determining a remote sensing image in a region related to the project in the remote sensing image;
determining the change of the project through the change of the remote sensing image in the area within a preset time period;
and performing post-loan management according to the change trend.
An embodiment of the present invention further provides a post-loan management apparatus, which is used to solve the problem that post-loan management cannot be performed in real time, and the apparatus includes:
the data module is used for acquiring a remote sensing image from a remote sensing satellite;
the project module is used for determining projects needing to be subjected to post-loan management;
the image module is used for determining the remote sensing image in the area related to the project in the remote sensing image;
the detection module is used for determining the change of the project according to the change of the remote sensing image in the region within a preset time period;
and the management module is used for performing post-loan management according to the change trend.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the post-loan management method.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for managing credit is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for managing post-loan is implemented.
In the embodiment of the invention, compared with the technical scheme that the post-loan management cannot be carried out in real time due to single and lagging data and difficult acquisition in the prior art, the change and trend of the project needing the post-loan management are monitored by the remote sensing image through introducing the remote sensing image data, so that the real-time post-loan management can be realized.
Furthermore, by utilizing the characteristics of large range, high speed and traceability of the remote sensing image, various evaluation means with different dimensions can be explored from the remote sensing image to replace the original traditional economic data, the problems that data of an enterprise is lagged and is not easy to obtain in the traditional economic evaluation are solved, and the enterprise operation condition is conveniently evaluated and the economic trend of the enterprise is predicted.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a schematic flow chart illustrating an exemplary implementation of a post-loan management method according to the present invention;
FIG. 2 is a diagram illustrating a post-loan management system according to an embodiment of the invention;
FIG. 3 is a flow chart illustrating an exemplary implementation of post-loan management in accordance with the present invention;
FIG. 4 is a schematic diagram of a post-loan management apparatus according to an embodiment of the invention;
FIG. 5 is a diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The inventor notices in the process of invention that:
the post-loan management is the final link of credit management, is an important ring for controlling risks and preventing bad loans, and plays a vital role in ensuring the safety of bank loans and case prevention and control. However, since the past, post-loan management has been a weak link in bank credit management, there are still many problems with current post-loan management due to the inertia and practices in credit management.
First, the information is asymmetric. Many enterprises are reluctant to reveal too much internal information of the company due to market competition factors, so that the difficulty of bank credit investigation is increased, the authenticity of effective assets and operation conditions of borrowing main bodies is difficult to grasp, and the real conditions of the enterprises cannot be known, so that the credit risk is greatly increased.
Second, the light tubes are heavily credited. Driven by the business indexes, most time and energy are put into pre-loan investigation by banks, and the attention on the development condition, development change condition and engineering status of enterprise business and engineering during and after loan is reduced, so that the restriction of the enterprise after obtaining loan is reduced, the fund domination randomness is high, and the loan risk is increased.
Third, the credit rating system is not sound. At present, a credit evaluation system for enterprises does not exist, a professional risk early warning mechanism is also lacked, and the credit risk of the enterprises cannot be evaluated objectively and truly in the credit granting process. The financial data of the enterprise over the years can be simply analyzed manually only through a customer manager, the data is single, the hysteresis is large, the current situation of the enterprise cannot be evaluated in real time, and meanwhile, the future debt repayment capability is not predicted.
In addition, the existing enterprise information is only integrated and summarized by the current method and system for monitoring risks after loan, the used data sources are all traditional economic index data, such as enterprise financial statement information, financing information, production and electricity utilization information, management information and the like, statistical data are often issued after a period of time, real-time performance and certain authenticity are lacked, and some important indexes cannot be disclosed or are difficult to obtain.
Therefore, the current bank has a single data source for risk monitoring after the enterprise is credited, and only the traditional economic financial data is used for simple analysis and evaluation, so that the current state of the enterprise cannot be evaluated in real time due to the one-sided angle and data lag, and the prediction on future debt repayment capability is lacked.
Based on the above, in order to solve the above problems, the embodiment of the present invention provides a set of remote sensing image-based risk real-time management and control scheme, which performs comprehensive monitoring on an enterprise from multiple angles by fusing remote sensing big data, and predicts the future development trend of the enterprise by combining with related algorithms such as data mining, so as to discover the risk of the enterprise after credit in time and reduce unnecessary loss of funds.
The following is a detailed description.
Fig. 1 is a schematic flow chart of an implementation of a post-loan management method, as shown in fig. 1, which may include:
104, determining the change of the project through the change of the remote sensing image in the region within a preset time period;
and 105, performing post-loan management according to the change trend.
Fig. 2 is a schematic diagram of a post-loan management system, and as shown in fig. 2, at least one system capable of performing post-loan management may include three modules, which are a data preprocessing module, a data monitoring module, and an analysis and prediction module.
1. And a data preprocessing module.
In the implementation, the method can further comprise one or a combination of the following pretreatment processes:
data screening, geometric correction, image fusion, image mosaic and image cutting.
In the implementation, the method can further comprise the following steps:
storing the obtained remote sensing image according to one or the combination of the following factors: the spatial resolution, the image position and the image acquisition time of the remote sensing image.
Specifically, the remote sensing image preprocessing is the first step of applying the remote sensing image, and the remote sensing satellite can encounter various conditions during imaging, including atmospheric radiation, geometric distortion, time deviation, different sensor parameters and the like, so that the quality problems of deformation, uneven color, image distortion and the like of the image can be caused, therefore, the image needs to be preprocessed first, and the influence on the prediction and evaluation precision of a final system caused by certain errors during target detection later is avoided.
The preprocessing of the remote sensing image can be generally divided into the following steps: data screening, geometric correction, image fusion, image mosaic and cutting and the like. The daily tile data is obtained for the port area to be monitored and evaluated. And then automatically classifying and storing various images according to the difference of information such as the spatial resolution, the image position, the image acquisition time and the like of the remote sensing images. The geometric distortion of the remote sensing satellite is then corrected by several corrections. And then carrying out image fusion on the obtained multi-source remote sensing images, finally inlaying the remote sensing images adjacent to the multi-scene positions into a whole complete image without gaps and deviations by a proper method, and cutting out the monitored area.
2. And a data monitoring module.
In implementation, one or a combination of the following modes is adopted to determine the change of the remote sensing image in the area within a preset time period, and the change of the project is determined:
carrying out change detection on the remote sensing image in the region by using a faster r-cnn deep learning algorithm;
dynamically monitoring the land utilization condition in the region through a remote sensing image by utilizing an image segmentation algorithm based on deep learning;
identifying a specific ground object target in the region through a remote sensing image by utilizing a target detection algorithm based on deep learning, and periodically counting the number and the change condition;
and monitoring the environment in the region through a remote sensing image by using a remote sensing image inversion technology.
Specifically, the following may be used:
(1) And (3) utilizing a faster R-CNN (quick R-CNN; region-CNN: region CNN; CNN: convolutional Neural Network) deep learning algorithm to perform change detection on the remote sensing image of the monitored area, and observing the change range and condition of the monitored area.
(2) And dynamically monitoring the land utilization condition of the monitored area by using an image segmentation algorithm based on deep learning.
(3) And identifying specific ground object targets, such as vehicles, buildings and the like, in the monitored area by using a target detection algorithm based on deep learning, and periodically counting the number change condition.
(4) And monitoring vegetation coverage, water bloom, atmospheric environment and the like of the monitored area by using a remote sensing image inversion technology.
3. And analyzing the prediction module.
The various data obtained by the analysis of the data monitoring module are subjected to statistics of a preset time period, such as monthly statistics, the change trend of the various data under a long-time sequence is analyzed, some abnormal changes are subjected to deep mining and analysis, a time sequence model is further built, the trend and the change rule are found out, the future development trend is predicted, and therefore risks can be predicted in time.
In practice, post-loan management is performed based on the trend of change after one or a combination of the following risk assessments are performed:
acquiring the evolution of the engineering project through the remote sensing image, and evaluating whether the project risk is built according to the construction period;
production risk comprising one or a combination of the following:
acquiring the floor area and the change of a production factory building, the floor area and the change of a warehouse, the change of a service vehicle in a production factory or the change of transportation equipment in the production factory through remote sensing images to evaluate whether production risks exist or not;
whether an event influencing the production of the enterprise occurs or not is obtained through the remote sensing image so as to evaluate whether the production risk exists or not;
acquiring changes of surrounding environments of an enterprise through remote sensing images, and determining whether the enterprise has environmental problems to evaluate whether production risks exist or not;
a market risk comprising one or a combination of:
acquiring the daily transportation mode or transportation equipment change of an enterprise through a remote sensing image, and evaluating whether the daily transportation mode or the transportation equipment change is consistent with the seasonal market change or not to judge whether the market risk exists;
whether the phenomena of removal and transfer of the industrial park of peripheral enterprises exist or not is obtained through the remote sensing image so as to evaluate whether market risk exists or not;
and obtaining a heat map of peripheral enterprises through the remote sensing image, judging the production and operation conditions of the opposite side, and determining the whole business operation trend of the area to which the peripheral enterprises belong to evaluate whether market risk exists or not.
Specifically, post-loan risk monitoring can be performed on an enterprise from three perspectives, namely project risk, production risk and market risk.
1. And (4) project risks.
And acquiring image evolution of the engineering project through the remote sensing image, and evaluating whether construction is carried out according to the construction period. For example, when the progress is found to be inconsistent with the expectation, the specific reasons for the lead or lag can be investigated, so as to stop the loan, chase the loan or continue the house loan. The image data replaces manpower to monitor the project condition, and the possible progress risk is warned.
2. The risk of production.
(1) The remote sensing image is used for acquiring the occupation and expansion of a production factory, the occupation and expansion of a warehouse, the change of operating vehicles in the factory, the change of transportation equipment and the like.
(2) The remote sensing image is used for acquiring whether events such as fire, strikes and the like occur in the enterprise since the construction of the enterprise to influence the production of the enterprise.
(3) Environmental changes such as water areas, greening and weather around the enterprise are obtained through remote sensing images, so that whether the enterprise has problems of environmental protection, pollution and the like is investigated, and an early warning mechanism is made.
3. And (4) market risk.
(1) And acquiring the daily transportation mode and transportation equipment change of the enterprise through the remote sensing image, and judging whether the daily transportation mode and the transportation equipment change are consistent with the light/busy season change of the market.
(2) And the remote sensing image obtains whether the peripheral enterprises have the phenomena of removal, transfer of industrial parks and the like.
(3) And the remote sensing image obtains a heat map of surrounding enterprises, and judges the production and operation conditions of the opposite side, so that the method is popularized to the overall operation trend of the region.
Fig. 3 is a schematic diagram of a post-loan management implementation flow, and as shown in fig. 3, the post-loan management architecture can be implemented as follows, mainly including:
And 302, carrying out geometric correction on the screened data, and correcting the geometric distortion of the remote sensing satellite.
And step 303, performing image fusion on the geometrically corrected multi-source data.
And step 304, inlaying the remote sensing images adjacent to the multi-scene position into a whole complete image without gaps and deviations by using special remote sensing image processing software ENVI through a proper method, and cutting the researched area.
And 305, sending the data processed by the data preprocessing module to a data monitoring module for further data mining.
And step 306, carrying out change detection on the remote sensing image of the monitored area by using a fast r-cnn deep learning algorithm, and observing the change range and condition of the monitored area.
And 307, dynamically monitoring the land use condition of the monitored area by using an image segmentation algorithm based on deep learning.
And 308, identifying specific ground object targets, such as vehicles, buildings and the like, in the monitored area by using a target detection algorithm based on deep learning, and periodically counting the number change condition.
And 309, monitoring vegetation coverage, water bloom, atmospheric environment and the like of the monitored area by using a remote sensing image inversion technology.
And 310, performing monthly statistics on various data obtained by analyzing through the data monitoring module, analyzing the change trend of the data under a long-time sequence, performing deep mining and analysis on some abnormal changes, further constructing a time sequence model, finding out the trend and the change rule of the time sequence model, and predicting the future development trend, so that the risk can be predicted in time.
Embodiments of the present invention also provide a post-loan management apparatus, as described in the following embodiments. Since the principle of the device for solving the problem is similar to the method for post-loan management, the implementation of the device can be referred to the implementation of the method for post-loan management, and repeated details are not repeated.
Fig. 4 is a schematic structural diagram of a post-loan management apparatus, as shown in fig. 4, which may include:
a data module 401, configured to obtain a remote sensing image from a remote sensing satellite;
a project module 402 for determining projects to be post-lended;
an image module 403, configured to determine a remote sensing image in an area related to the project in the remote sensing image;
the detection module 404 is configured to determine a change of a project according to a change of the remote sensing image in the area within a preset time period;
and the management module 405 is configured to perform post-loan management according to the change trend.
In an implementation, the method further comprises the following steps:
a preprocessing module for performing preprocessing of one or a combination of the following: data screening, geometric correction, image fusion, image mosaic and image cutting.
In an implementation, the method further comprises the following steps:
the storage module is used for storing the obtained remote sensing image according to one of the following factors or the combination of the following factors: the spatial resolution, the image position and the image acquisition time of the remote sensing image.
In implementation, the detection module is further configured to determine a change of the project through a change of the remote sensing image in the area within a preset time period in one of the following manners or a combination thereof:
carrying out change detection on the remote sensing image in the region by using a faster r-cnn deep learning algorithm;
dynamically monitoring the land utilization condition in the region through a remote sensing image by utilizing an image segmentation algorithm based on deep learning;
identifying a specific ground object target in the region through a remote sensing image by using a target detection algorithm based on deep learning, and periodically counting the number and the change condition;
and monitoring the environment in the region through a remote sensing image by using a remote sensing image inversion technology.
In an implementation, the management module is further configured to perform post-loan management after performing one or a combination of the following risk assessments according to the change trend:
acquiring the evolution of the engineering project through the remote sensing image, and evaluating whether the project risk is built according to the construction period;
production risk comprising one or a combination of the following:
acquiring the floor area and the change of a production factory, the floor area and the change of a warehouse, the change of an operating vehicle in a production factory or the change of transportation equipment in the production factory through remote sensing images to evaluate whether production risks exist or not;
whether an event influencing the production of the enterprise occurs or not is obtained through the remote sensing image so as to evaluate whether the production risk exists or not;
acquiring changes of surrounding environments of an enterprise through remote sensing images, and determining whether the enterprise has environmental problems to evaluate whether production risks exist or not;
a market risk comprising one or a combination of:
acquiring daily transportation modes or transportation equipment changes of enterprises through remote sensing images, and evaluating whether market risks exist or not according with the seasonal changes of the market;
whether the phenomena of removal and transfer of the industrial park of peripheral enterprises exist or not is obtained through the remote sensing image so as to evaluate whether market risk exists or not;
and obtaining a heat map of peripheral enterprises through the remote sensing image, judging the production and operation conditions of the opposite side, and determining the whole business operation trend of the area to which the peripheral enterprises belong to evaluate whether market risk exists or not.
When the technical scheme provided by the embodiment of the invention is implemented, the implementation can be carried out as follows.
Fig. 5 is a schematic diagram of a computer device, as shown in fig. 5, the computer device includes:
the processor 500, which is used to read the program in the memory 520, executes the following processes:
acquiring a remote sensing image from a remote sensing satellite;
determining items to be subjected to post-loan management;
determining a remote sensing image in a region related to the project in the remote sensing image;
determining the change of the project through the change of the remote sensing image in the region within a preset time period;
performing post-loan management according to the change trend;
a transceiver 510 for receiving and transmitting data under the control of the processor 500.
In the implementation, the method further comprises the following pretreatment of one or the combination of the following treatments:
data screening, geometric correction, image fusion, image mosaic and image cutting.
In an implementation, the method further comprises the following steps:
storing the obtained remote sensing image according to one or the combination of the following factors: the spatial resolution, the image position and the image acquisition time of the remote sensing image.
In implementation, one or a combination of the following modes is adopted to determine the change of the remote sensing image in the area within a preset time period, and the change of the project is determined:
carrying out change detection on the remote sensing image in the region by using a faster r-cnn deep learning algorithm;
dynamically monitoring the land utilization condition in the region through a remote sensing image by utilizing an image segmentation algorithm based on deep learning;
identifying a specific ground object target in the region through a remote sensing image by utilizing a target detection algorithm based on deep learning, and periodically counting the number and the change condition;
and monitoring the environment in the area through a remote sensing image by using a remote sensing image inversion technology.
In practice, post-loan management is performed based on the trend of change after one or a combination of the following risk assessments are performed:
acquiring the evolution of the engineering project through the remote sensing image, and evaluating whether the project risk is built according to the construction period;
production risk comprising one or a combination of the following:
acquiring the floor area and the change of a production factory building, the floor area and the change of a warehouse, the change of a service vehicle in a production factory or the change of transportation equipment in the production factory through remote sensing images to evaluate whether production risks exist or not;
whether an event influencing the production of the enterprise occurs or not is obtained through the remote sensing image so as to evaluate whether the production risk exists or not;
acquiring changes of surrounding environments of an enterprise through a remote sensing image, and determining whether the enterprise has an environmental problem to evaluate whether production risks exist or not;
a market risk comprising one or a combination of:
acquiring daily transportation modes or transportation equipment changes of enterprises through remote sensing images, and evaluating whether market risks exist or not according with the seasonal changes of the market;
whether the phenomena of removal and transfer of the industrial park of peripheral enterprises exist or not is obtained through the remote sensing image so as to evaluate whether market risk exists or not;
and obtaining a heat map of peripheral enterprises through the remote sensing image, judging the production and operation conditions of the opposite side, and determining the whole business operation trend of the area to which the peripheral enterprises belong to evaluate whether market risk exists or not.
Wherein in fig. 5, the bus architecture may include any number of interconnected buses and bridges, with one or more processors, represented by processor 500, and various circuits, represented by memory 520, being linked together. The bus architecture may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. The bus interface provides an interface. The transceiver 510 may be a number of elements including a transmitter and a receiver that provide a means for communicating with various other apparatus over a transmission medium. The processor 500 is responsible for managing the bus architecture and general processing, and the memory 520 may store data used by the processor 500 in performing operations.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for managing credit is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for managing post-loan is implemented.
In the technical scheme provided by the embodiment of the invention, a new real and reliable data source is creatively introduced. The remote sensing image and the enterprise risk after credit are combined, the characteristics of large range, high speed and traceability of the remote sensing image are effectively utilized, various evaluation means with different dimensions are explored from the remote sensing image to replace original traditional economic data, the problems that the enterprise lags behind the data in the traditional economic evaluation and is not easy to obtain are solved, the bank can be helped to evaluate and predict the operation condition of the enterprise before various financial statements are generated, the enterprise operation condition is conveniently evaluated and the economic trend of the enterprise is conveniently predicted, the enterprise risk after credit can be timely found, and the fund loss is reduced.
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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (13)
1. A method of post-loan management, comprising:
acquiring a remote sensing image from a remote sensing satellite;
determining items to be subjected to post-loan management;
determining a remote sensing image in a region related to the project in the remote sensing image;
determining the change of the project through the change of the remote sensing image in the area within a preset time period;
and performing post-loan management according to the change trend.
2. The method of claim 1, further comprising a pre-treatment of one or a combination of:
data screening, geometric correction, image fusion, image mosaic and image cutting.
3. The method of claim 1, further comprising:
storing the obtained remote sensing image according to one or the combination of the following factors: the spatial resolution, the image position and the image acquisition time of the remote sensing image.
4. A method as claimed in any one of claims 1 to 3, wherein the change in the item is determined by the change in the remotely sensed image in the region over a predetermined period of time by one or a combination of the following:
carrying out change detection on the remote sensing image in the region by using a faster r-cnn deep learning algorithm;
dynamically monitoring the land utilization condition in the region through a remote sensing image by utilizing an image segmentation algorithm based on deep learning;
identifying a specific ground object target in the region through a remote sensing image by utilizing a target detection algorithm based on deep learning, and periodically counting the number and the change condition;
and monitoring the environment in the region through a remote sensing image by using a remote sensing image inversion technology.
5. A method according to any one of claims 1 to 3, wherein post-credit management is performed on the basis of said trend of change after one or a combination of the following risk assessments:
acquiring the evolution of the engineering project through the remote sensing image, and evaluating whether the project risk is built according to the construction period;
production risk comprising one or a combination of the following:
acquiring the floor area and the change of a production factory building, the floor area and the change of a warehouse, the change of a service vehicle in a production factory or the change of transportation equipment in the production factory through remote sensing images to evaluate whether production risks exist or not;
whether an event influencing the production of the enterprise occurs or not is obtained through the remote sensing image so as to evaluate whether the production risk exists or not;
acquiring changes of surrounding environments of an enterprise through remote sensing images, and determining whether the enterprise has environmental problems to evaluate whether production risks exist or not;
a market risk comprising one or a combination of:
acquiring daily transportation modes or transportation equipment changes of enterprises through remote sensing images, and evaluating whether market risks exist or not according with the seasonal changes of the market;
whether the phenomena of removal and transfer of the industrial park of peripheral enterprises exist or not is obtained through the remote sensing image so as to evaluate whether market risk exists or not;
and obtaining a heat map of peripheral enterprises through the remote sensing image, judging the production and operation conditions of the opposite side, and determining the whole business operation trend of the area to which the peripheral enterprises belong to evaluate whether market risk exists or not.
6. A post-loan management apparatus, comprising:
the data module is used for acquiring a remote sensing image from a remote sensing satellite;
the project module is used for determining projects needing to be subjected to post-loan management;
the image module is used for determining a remote sensing image in a region related to the project in the remote sensing image;
the detection module is used for determining the change of the project according to the change of the remote sensing image in the region within a preset time period;
and the management module is used for carrying out post-loan management according to the change trend.
7. The apparatus of claim 6, further comprising:
a preprocessing module for performing preprocessing of one or a combination of the following: data screening, geometric correction, image fusion, image mosaic and image cutting.
8. The apparatus of claim 6, further comprising:
the storage module is used for storing the obtained remote sensing image according to one of the following factors or the combination thereof: the spatial resolution, the image position and the image acquisition time of the remote sensing image.
9. The apparatus of any one of claims 6 to 8, wherein the detection module is further configured to determine the change of the item by determining a change of the remotely sensed image in the area within a preset time period by one or a combination of the following:
carrying out change detection on the remote sensing image in the region by using a faster r-cnn deep learning algorithm;
dynamically monitoring the land utilization condition in the region through a remote sensing image by utilizing an image segmentation algorithm based on deep learning;
identifying a specific ground object target in the region through a remote sensing image by utilizing a target detection algorithm based on deep learning, and periodically counting the number and the change condition;
and monitoring the environment in the region through a remote sensing image by using a remote sensing image inversion technology.
10. The apparatus of any one of claims 6 to 8, wherein the management module is further configured to perform post-loan management based on the trend of change after performing one or a combination of the following risk assessments:
acquiring the evolution of the engineering project through the remote sensing image, and evaluating whether the project risk is built according to the construction period;
production risk comprising one or a combination of the following:
acquiring the floor area and the change of a production factory building, the floor area and the change of a warehouse, the change of a service vehicle in a production factory or the change of transportation equipment in the production factory through remote sensing images to evaluate whether production risks exist or not;
whether an event influencing the production of the enterprise occurs or not is obtained through the remote sensing image so as to evaluate whether the production risk exists or not;
acquiring changes of surrounding environments of an enterprise through remote sensing images, and determining whether the enterprise has environmental problems to evaluate whether production risks exist or not;
a market risk comprising one or a combination of:
acquiring the daily transportation mode or transportation equipment change of an enterprise through a remote sensing image, and evaluating whether the daily transportation mode or the transportation equipment change is consistent with the seasonal market change or not to judge whether the market risk exists;
whether the phenomena of removal and transfer of the industrial park of peripheral enterprises exist or not is obtained through the remote sensing image so as to evaluate whether market risk exists or not;
and obtaining a heat map of peripheral enterprises through the remote sensing image, judging the production and operation conditions of the opposite side, and determining the whole business operation trend of the area to which the peripheral enterprises belong to so as to evaluate whether market risk exists.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 5.
13. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 5.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210857017.3A CN115170293A (en) | 2022-07-20 | 2022-07-20 | Post-loan management method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210857017.3A CN115170293A (en) | 2022-07-20 | 2022-07-20 | Post-loan management method and device |
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| CN115170293A true CN115170293A (en) | 2022-10-11 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117196818A (en) * | 2023-08-02 | 2023-12-08 | 山东星睿空间技术有限公司 | Bank post-loan risk monitoring and early warning device and method based on remote sensing satellite and electronic equipment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117196818A (en) * | 2023-08-02 | 2023-12-08 | 山东星睿空间技术有限公司 | Bank post-loan risk monitoring and early warning device and method based on remote sensing satellite and electronic equipment |
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