CN115456730A - Automobile financial two-network monitoring and identifying method - Google Patents
Automobile financial two-network monitoring and identifying method Download PDFInfo
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- CN115456730A CN115456730A CN202211191787.5A CN202211191787A CN115456730A CN 115456730 A CN115456730 A CN 115456730A CN 202211191787 A CN202211191787 A CN 202211191787A CN 115456730 A CN115456730 A CN 115456730A
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- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Abstract
The invention discloses a method for monitoring and identifying a vehicle financial two-network, which comprises the following steps of 1: generating a central point corresponding to the second network based on the customer order information of the second network; step 2: and monitoring and identifying the authenticity of the data of the two networks based on the central point corresponding to the two networks and the position of the two networks filled by the first-level cooperative business corresponding to the two networks. The invention has the advantages that: the authenticity of the second network can be judged based on the automatic order data, so that the false second network is warned in time, and the financial risk is avoided; the acquired information is accurate and reliable, does not need manual acquisition, and is simple, quick and efficient.
Description
Technical Field
The invention relates to the field of automobile financial business monitoring, in particular to an automobile financial two-network monitoring and identifying method.
Background
Under the automobile financial business, the financial company mainly manages the cooperators and the business thereof, and the secondary network points (hereinafter referred to as two networks) of the cooperators are mainly managed by the cooperators. Due to the fact that cooperation relations, management capabilities and other conditions of each partner on the two networks under the flags are different; the cooperators have market competition and other factors for the self channel management and the automobile financial company, channel loss is avoided, and the normalization and the authenticity of the reported two networks are low. The two-network information with insufficient authenticity causes the automobile financial company to lack direct supervision and risk management on the two networks, so that uncontrollable risks such as centralized risk events and the like frequently occur in the cooperative company and the two networks, and unpredictable risks and losses are brought to the business of the financial company.
At present, the main management mode of the second network of the cooperative business is still the management cooperative business, and the cooperative business is urged to fill in correct information of the second network by formulating a reasonable policy system, an assessment mechanism, a standard flow and the like. The financial company determines the normalization and authenticity of the two networks through data identification, spot check and other modes, human factors, subjective factors and other uncertain factors cause certain limitations and bottlenecks in the management aspect of the two networks, and the risk assessment of the two networks is insufficient due to insufficient monitoring and identification of the authenticity of the two networks data.
Disclosure of Invention
The invention aims to overcome the defects of the prior art and provides a two-network monitoring and identifying method for automobile finance, which can monitor and identify the secondary network points of financial company cooperators.
In order to achieve the purpose, the invention adopts the technical scheme that: a method for monitoring and identifying a financial network of an automobile comprises
Step 1: generating a central point corresponding to the second network based on the customer order information of the second network;
step 2: and monitoring and identifying the authenticity of the data of the second network based on the central point corresponding to the second network and the position of the second network filled by the first-level cooperative business corresponding to the second network.
In step 1, a central point is generated from the acquired position information in the order information of the two-network client.
The position information in the order information of the two-network client selects one of the following positions: when a client carries out financial business, the position information of the automobile financial business application time point of the user, the position information of credit investigation authorization and an electronic tag and the vehicle GPS position information of the user vehicle lifting time point after approval are collected.
Selecting the position information in the order information of the two-network client according to the priority, wherein the priority is as follows from big to small: the user carries out position information of the automobile financial business application time point, credit investigation authorization and position information of the electronic tag, and vehicle GPS position information of the user vehicle lifting time point after approval is passed.
Acquiring position information corresponding to all orders of the two networks, and calculating to obtain central points of the position information corresponding to all orders, wherein a DBSCAN algorithm is adopted to perform clustering operation on all the position information to obtain the corresponding central points.
And 2, calculating the distance between the position information of the central point and the position of the second network filled by the first-level cooperative business, and judging that the second network information filled by the first-level cooperative business is real when the distance between the central point and the position of the second network filled by the first-level cooperative business is smaller than a set distance threshold.
And associating each two-network central point with the primary cooperation business to form a two-network virtual account, and associating each customer order data of the two networks to the two-network virtual account to form an account system corresponding to the two-network virtual account and the two-network customer data.
And carrying out risk assessment on the customer data corresponding to each two-network virtual account under the account system according to a preset risk early warning rule so as to identify the two-network financial risk.
And carrying out overdue rate statistics on the customer order data under the two-network virtual account, and carrying out financial risk early warning on the two networks when the overdue rate of the customer order under the two-network virtual account is greater than a set threshold value.
And carrying out statistical analysis on the customer order data under the two-network virtual account, analyzing the service order quantity and the average vehicle price, identifying the service abnormal information and sending out an early warning.
The invention has the advantages that: the authenticity of the second network can be judged based on the automatic order data, so that the false second network is warned in time, and the financial risk is avoided; the acquired information is accurate and reliable, does not need manual acquisition, is simple and quick, and has high efficiency; and the second-network account is suggested and the corresponding second-network order data is classified under the account, so that the analysis and identification of the second-network data are facilitated, and the abnormity and the risk can be found in time.
Drawings
The contents of the expressions in the various figures of the present specification and the labels in the figures are briefly described as follows:
fig. 1 is a flow chart of establishing a two-network account according to the present invention.
Detailed Description
The following description of preferred embodiments of the invention will be made in further detail with reference to the accompanying drawings.
This application mainly realizes monitoring two nets, two nets are the second grade site, in the automobile finance field, automobile finance company and the first grade relation between the cooperation company closely can directly monitor the first grade cooperation company, and rely on the second grade site of first grade cooperation company, automobile finance company can't monitor the company of second grade site, only can monitor according to the information that the first grade cooperation company gave, this kind of mode can make automobile finance company lose the control to the second grade site, the financial risk appears easily, consequently, need monitor the authenticity of second grade site data, it is more important just the position authenticity of second grade site, the scheme for this application is as follows:
a two-network monitoring and identifying method for automobile finance comprises the following steps:
step 1: generating a central point corresponding to the second network based on the customer order information of the second network;
step 2: and monitoring and identifying the authenticity of the data of the two networks based on the central point corresponding to the two networks and the position of the two networks filled by the first-level cooperative business corresponding to the two networks.
In step 1, a central point is generated from the acquired position information in the order information of the two-network client. The position information in the order information of the two-network client selects one of the following positions: when a customer carries out financial business, the position information of the time point when the customer applies for the automobile financial business, credit investigation authorization and the position information of an electronic sign are collected, and the vehicle GPS position information of the time point when the customer lifts the vehicle after the customer passes the approval is collected. In order to meet the position of the second network as much as possible during selection, the position information in the order information of the second network customer is selected according to the priority, the position data with high priority is preferentially selected as the position information of the second network, and the priority is sequentially from big to small: the user carries out position information of the automobile financial business application time point, credit investigation authorization and position information of the electronic tag, and vehicle GPS position information of the user vehicle lifting time point after approval is passed.
Acquiring position information corresponding to all orders of the two networks, and calculating to obtain central points of the position information corresponding to all orders, wherein a DBSCAN algorithm is adopted to perform clustering operation on all the position information to obtain the corresponding central points. All orders corresponding to the secondary network points can obtain position information corresponding to all orders, namely position points, which are generally identified by adopting longitude and latitude, and then the position points are operated by adopting a DBSCAN algorithm to obtain one or more core points of all the position points, wherein the core points correspond to one or more central points;
and 2, calculating the distance between the position information of the central point and the position of the second network filled by the first-level cooperative business, judging that the information of the second network filled by the first-level cooperative business is real when the distance between the position information of the central point and the position of the second network filled by the first-level cooperative business is smaller than a set distance threshold, and otherwise, judging that the information of the second network is non-real and sending out early warning information. The two-network authenticity judgment is carried out by identifying the position in the two-network authenticity judgment, because the two-network at the current stage belongs to a two-level network, the self data only contains the two-network name recorded when the first-level agent enters the piece, and the self can not determine whether the two-network is the authentic two-network or not through the name, so that whether the two-network recorded by the system is consistent with the position of the customer is judged through the position information of the piece entering time point of the customer, if so, the two-network is roughly judged to be authentic, and if not, the two-network is judged to be unauthentic.
In order to better realize the identification and monitoring of the two networks, a two-network virtual account system is established, each two-network center point and a first-level cooperation provider are associated together to form a two-network virtual account, and each customer order data of the two networks is associated to the two-network virtual account to form an account system corresponding to the two-network virtual account and the two-network customer data.
And carrying out risk assessment on the customer data corresponding to each two-network virtual account under the account system according to a preset risk early warning rule so as to identify the two-network financial risk.
And carrying out overdue rate statistics on the customer order data under the two-network virtual account, and carrying out financial risk early warning on the two networks when the overdue rate of the customer order under the two-network virtual account is greater than a set threshold value. And carrying out statistical analysis on the customer order data under the two-network virtual account, analyzing the service order quantity and the average vehicle price, identifying the abnormal service information and sending out early warning.
Brief description of two-network virtual account
In order to monitor the two-network risk of the automobile financial business, firstly, real two-network information is identified, so a two-network virtual Account number (One-Account) is proposed.
The account system thinks that individuals can label unique individuals in a certain sense such as identity cards, human faces, fingerprints, mobile phone numbers, home addresses, equipment IDs, DNA sequences and the like; for an enterprise, the name of the enterprise, a business license, a brand, an office address, etc. may be labeled as the only enterprise. And establishing a two-network virtual account number through the position information of the clients submitted by the two-network in the process of applying for loan, wherein the two-network virtual account number is used for identifying the real two-network access.
Two-network virtual account construction
And acquiring different central points according to the longitude and latitude in the APP embedded point data of the user at the application stage, the small program embedded point data of the credit investigation authorization and the electronic signing point and the GPS longitude and latitude of the vehicle acquired during the user lifting, performing MD5 encryption on the central points, and splicing the names of the cooperators with the central points to form a two-network virtual account. And dividing the fence according to the central point (for example, within 2 kilometers around the central point), wherein all the customer application orders in the fence belong to the same two-network virtual account.
Acquisition and application of (I) position information
Based on the actual operation process of the user in the service process, the position information of the user application time point, the credit investigation authorization and the position information of the electronic tag are collected, and meanwhile, the position information of the user in the service process is formed in a combined mode according to the vehicle GPS position information of the user vehicle lifting time point after the approval is passed. The user position information has the use priority of APP buried point positions, credit investigation authorization positions, electronic sign positions and vehicle pick-up time points GPS. The priority using principle is that when the current position information of the user cannot be obtained, the position information of the user is sequentially selected for use, for example, the position information of the client A is obtained, when the embedded position information of the APP is missing, the credit investigation authorization position information of the client A is used, if the position information is also missing, the electronic signature position information of the client A is adopted, and the like.
Establishment of two-network virtual account
As shown in fig. 1, a flowchart illustrates in detail a process of establishing a two-network virtual account; acquiring all retail customer orders of two networks corresponding to a partner from a database (one partner has a plurality of two networks, most of the two networks are companies (such as car dealers, car trade shops and the like), and can also be regarded as an office place, such as a small rental house in a large car market and the like), acquiring corresponding position information corresponding to car financial services of application such as APP, small programs and the like from the orders, and acquiring position information corresponding to each order with GPS of a lift car as a main part and GPS of the APP and the small programs as an auxiliary part (at the current stage, because the GPS of the lift car is only GPS data of a commercial car and a passenger car without the lift car, the GPS data can be adjusted to be based on the APP and the like and mainly acquire relatively accurate position data), and calculating the position information to obtain one or more central points which are actually position coordinate points; splicing the longitude and latitude of the central point by using a star, encrypting the longitude and latitude by using MD5, then using the longitude and latitude as a mark bit of the two networks, and splicing the character string encrypted by the MD5 and the name of the partner to form a virtual account of the two networks;
in calculating the center point, the DBSCAN algorithm is used.
DBSCAN is a density-based spatial clustering algorithm. The algorithm utilizes the concept of density-based clustering, i.e., requiring that the number of objects (points or other spatial objects) contained within a certain region in the clustering space is not less than some given threshold.
DBSCAN has two parameters, the scanning radius and the minimum contained point number. Starting with an unvisited point, find all nearby points whose distance is within the scan radius (see equation (1) for the distance calculation formula). If the number of the nearby points is larger than or equal to the minimum contained point number, the current point and the nearby points form a cluster, the starting point is marked as visited, and then recursion is carried out to process all the points which are not marked as visited in the same way, so that the cluster is expanded. If the number of nearby points < the minimum number of contained points, the point is temporarily marked as a noise point. If the cluster is sufficiently expanded, i.e., all points within the cluster are marked as visited, then the same algorithm is used to process the points that are not visited.
The distance calculation formula is as follows:
where Lng1 and Lat1 are respectively the longitude and latitude of point a, and Lng2 and Lat2 are respectively the longitude and latitude of point B, with the unit of kilometer (km).
Based on the method, all users with position information are brought into the unique two-network virtual account corresponding to each cooperation merchant to form a cooperation merchant and two-network virtual account system.
Application of (III) two-network virtual account
And based on the two-network virtual account system generated in the last step, taking the two-network virtual account as a main dimension, taking the two-network virtual account and the user information under the item as a data dimension, carrying out data analysis and mining, and applying the two-network virtual account to risk management of the two networks.
1. Two-network authentication
And calculating the distance between the two networks based on the central point position information of the two-network virtual account and the actual position information of the two networks on which the partner records, and judging the authenticity of the two networks on which the partner records according to the distance (for example, the distance exceeds 2 kilometers) after eliminating factors such as errors.
2. Risk management
Based on the two-network virtual account and user data under the items, a feature index library of the two-network virtual account is built, a two-network virtual account scoring model is built by using a logistic regression and decision tree algorithm, and risk early warning rules and strategies of the two-network virtual account are built based on the scoring model and index features. And (3) grading model: the method comprises the steps of taking two-network virtual account numbers as a main body, defining the quality of the two-network virtual account numbers as a target variable, fitting a model by using algorithms such as logistic regression and the like based on index characteristics of the two-network virtual account numbers, converting the model into scores of the two-network virtual account numbers according to a scoring card modeling process, dividing risk grades (high, medium and low and the like) according to the scores, and early warning according to different risk grades.
Index characteristics: the two-network virtual account is taken as a main body, and the index classification of the clients below the two-network virtual account is aggregated into the index characteristics of the two-network virtual account, such as application indexes (the application amount in the near X month), payment indexes (the payment amount in the near X month), client characteristics (the client occupation ratio of the client applying in the near X month is more than 30, the academic history of the client applying in the near X month is the client occupation ratio of the client and above), and the like.
And (5) single vehicle price rule strategies. Based on the two-network virtual account, the business unit volume and the vehicle-reporting price in one month are counted, and the business abnormal information of the two-network virtual account is identified from the transverse direction and the longitudinal direction, so that the risk condition is identified. If the increasing and decreasing amplitude has a fixed index value, if the increasing and decreasing amplitude is greater than 50%, the single quantity is abnormally increased, and the threshold value of '50%' has different values according to different services, and the result is statistically analyzed according to actual service scenes and market environments. According to the actual market business growth situation, for example, the loop rate of the incoming parts is increased by 10% under normal conditions, and in this month, the increase reaches 50%, which is different from the normal condition, and there may be a certain risk. The car prices are the same.
Overdue rules. The method comprises the steps of carrying out statistics on asset quality of historical submission services of the two-network virtual account through analyzing the asset quality of users under the two-network virtual account item, namely, the overdue rate (the overdue rate of the two-network virtual account is obtained by summarizing the overdue amount of all the customers under the two-network virtual account and dividing the overdue amount by the released amount), and carrying out risk early warning on the condition that the overdue rate exceeds a threshold value (the risk early warning is that risk reminding is carried out on the two networks inside a financial company, a front-end customer manager can carry out risk checking work on a cooperative company and the two networks of the cooperative company, judges whether risks exist in the cooperative company and the two networks actually, if risks exist, corresponding risk measures are taken, and if no risks exist, the risk early warning is removed). For example, the first N term D + the overdue rate of the number of households (amount), the current D + the overdue rate of the number of households (amount), etc. 4. Two-network virtual account number advantages
(one) the data is true and reliable
The position information of each process time point is collected by a system, the data is relatively real and reliable, and the interference of factors such as human and subjective factors is avoided.
(II) implementation by application technology
The two-network virtual account is established based on the real position information of the client belonging to the two networks instead of the two networks, the real two networks are restored, and the two networks are identified by technical means, so that the two networks can be conveniently monitored, early-warned and managed in the follow-up process.
(III) establishing two-network connection
The connection is established between the automobile finance company and the two networks, so that the front-end large-area sales manager can conveniently visit on the spot and analyze and mine the back-end data.
It is clear that the specific implementation of the invention is not restricted to the above-described embodiments, but that various insubstantial modifications of the inventive process concept and technical solutions are within the scope of protection of the invention.
Claims (10)
1. A two-network monitoring and identifying method for automobile finance is characterized in that: comprises that
Step 1: generating a central point corresponding to the second network based on the customer order information of the second network;
step 2: and monitoring and identifying the authenticity of the data of the two networks based on the central point corresponding to the two networks and the position of the two networks filled by the first-level cooperative business corresponding to the two networks.
2. The method for monitoring and identifying the automobile financial network two as claimed in claim 1, wherein: in step 1, a central point is generated from the acquired position information in the order information of the two-network client.
3. The automobile financial two-network monitoring and identifying method as claimed in claim 2, wherein: the position information in the order information of the two-network client selects one of the following positions: when a client carries out financial business, the position information of the automobile financial business application time point of the user, the position information of credit investigation authorization and an electronic tag and the vehicle GPS position information of the user vehicle lifting time point after approval are collected.
4. The automobile financial two-network monitoring and identifying method as claimed in claim 3, wherein: selecting the position information in the order information of the two-network client according to the priority, wherein the priority is as follows from big to small: the user carries out position information of the automobile financial business application time point, credit investigation authorization and position information of the electronic tag, and vehicle GPS position information of the user vehicle lifting time point after approval is passed.
5. The automobile financial two-network monitoring and identifying method as claimed in any one of claims 2-4, wherein: acquiring position information corresponding to all orders of the two networks, and calculating to obtain central points of the position information corresponding to all orders, wherein a DBSCAN algorithm is adopted to perform clustering operation on all the position information to obtain the corresponding central points.
6. The automobile financial two-network monitoring and identifying method as claimed in claim 5, wherein: and 2, calculating the distance between the position information of the central point and the position of the second network filled by the first-level cooperative business, and judging that the second network information filled by the first-level cooperative business is real when the distance between the central point and the position of the second network filled by the first-level cooperative business is smaller than a set distance threshold.
7. The automobile financial two-network monitoring and identifying method as claimed in any one of claims 1-6, wherein: and associating each two-network central point with the primary cooperation business to form a two-network virtual account, and associating each customer order data of the two networks to the two-network virtual account to form an account system corresponding to the two-network virtual account and the two-network customer data.
8. The automobile financial two-network monitoring and identifying method as claimed in claim 7, wherein: and carrying out risk assessment on the customer data corresponding to each two-network virtual account under the account system according to a preset risk early warning rule so as to identify the two-network financial risk.
9. The automobile financial two-network monitoring and identifying method as claimed in claim 8, wherein: and carrying out overdue rate statistics on the customer order data under the two-network virtual account, and carrying out financial risk early warning on the two networks when the overdue rate of the customer order under the two-network virtual account is greater than a set threshold value.
10. The automobile financial two-network monitoring and identifying method as claimed in claim 8, wherein: and carrying out statistical analysis on the customer order data under the two-network virtual account, analyzing the service order quantity and the average vehicle price, identifying the service abnormal information and sending out an early warning.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN116542765A (en) * | 2023-07-06 | 2023-08-04 | 深圳市明心数智科技有限公司 | Vehicle management method and related equipment |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN116542765A (en) * | 2023-07-06 | 2023-08-04 | 深圳市明心数智科技有限公司 | Vehicle management method and related equipment |
| CN116542765B (en) * | 2023-07-06 | 2024-03-26 | 深圳市明心数智科技有限公司 | Vehicle management method and related equipment |
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