CN115907941A

CN115907941A - Post-loan risk prediction method and device, storage medium and electronic equipment

Info

Publication number: CN115907941A
Application number: CN202211096842.2A
Authority: CN
Inventors: 肖扬; 罗涛; 施佳子; 刘乙赛
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-09-08
Filing date: 2022-09-08
Publication date: 2023-04-04

Abstract

The invention discloses a post-loan risk prediction method and device, a storage medium and electronic equipment. Relates to the technical field of financial science and technology, wherein the method comprises the following steps: acquiring a satellite remote sensing image of a target building at the current time, wherein the target building is built after loan is carried out on a construction project; determining the current building height of the target building according to the satellite remote sensing image; determining the construction progress of the target building based on the current building height and the initial building height of the target building, wherein the initial building height is the building height of the target building detected by the target building at the initial time, and a preset time interval is formed between the initial time and the current time; and determining the post-credit risk of the construction project according to the construction progress of the target building. The method and the system solve the technical problem that the financial institution cannot monitor the construction progress of the construction project of the credited construction project in real time in the related technology, so that the risk after the credit cannot be predicted.

Description

Post-loan risk prediction method and device, storage medium and electronic equipment

Technical Field

The invention relates to the technical field of financial science and technology, in particular to a post-loan risk prediction method and device, a storage medium and electronic equipment.

Background

At present, each person pays great attention to the management of the construction progress of a building, and a financial institution needs to monitor the construction progress after credit for the construction project of the construction project, but various unexpected risk factors make the management of the construction progress very difficult in the construction process of the construction project.

In the related art, the traditional building height monitoring method needs manual on-site investigation, manual on-site statistics and measurement, and a field engineering project manager needs to report the project progress regularly. However, the process consumes large manpower and material resources, which causes waste of personnel resources and increases the cost. Meanwhile, for loan institutions such as financial institutions and the like, because project construction progress cannot be mastered in real time, an objective monitoring method is urgently needed to follow up and track the construction progress of a construction project in time, and the risk after loan for the construction project is reduced.

In view of the above problems, no effective solution has been proposed.

Disclosure of Invention

The embodiment of the invention provides a post-loan risk prediction method and device, a storage medium and electronic equipment, which are used for at least solving the technical problem that the post-loan risk cannot be predicted because the construction progress of a post-loan construction project cannot be monitored in real time by a financial institution in the related technology.

According to an aspect of an embodiment of the present invention, there is provided a post-loan risk prediction method, including: the method comprises the steps of obtaining a satellite remote sensing image of a target building at the current time, wherein the target building is built after loan is carried out on a construction project; determining the current building height of the target building according to the satellite remote sensing image; determining a construction progress of the target building based on the current building height and an initial building height of the target building, wherein the initial building height is the building height of the target building detected by the target building at an initial time, and a preset time interval is formed between the initial time and the current time; and determining the post-credit risk of the construction project according to the construction progress of the target building.

Further, the step of determining the construction progress of the target building based on the current building height and the initial building height of the target building comprises: determining a construction height parameter of the target building based on the current building height and an initial building height of the target building, wherein the construction height parameter is a height of the target building from the initial time to the current time; and comparing the construction height parameter with an expected construction height parameter to determine the construction progress of the target building.

Further, the step of determining the construction height parameter of the target building based on the current building height and the initial building height of the target building comprises: determining the construction height parameter of the target building based on a current building height of each building in the target building and an initial building height corresponding to each building, wherein the target building comprises a plurality of buildings.

Further, the step of determining the construction height parameter of the target building based on the current building height of each building in the target building and the initial building height corresponding to each building comprises: based on the current building height of each building in the target building and the initial building height corresponding to each building, calculating the construction height parameter by the following formula:

wherein M is the number of buildings in the target building, H _M Is the initial building height of the Mth building, H _MT K is the construction height parameter, wherein the current construction height of the Mth building in the target building is K.

Further, the step of determining the construction progress of the target building by comparing the construction height parameter with an expected construction height parameter includes: determining the construction progress of the target building as an abnormal construction progress when the construction height parameter is smaller than the expected construction height parameter, wherein the abnormal construction progress at least comprises one of the following: the construction is stopped and the construction progress is lagged behind; and under the condition that the construction height parameter is larger than or equal to the expected construction height parameter, determining the construction progress of the target building as a normal construction progress.

Further, the step of determining the current building height of the target building according to the satellite remote sensing image comprises: determining spatial geometrical parameter data of the target building based on the satellite remote sensing image, wherein the spatial geometrical parameter data at least comprises: a solar altitude, a solar azimuth, a satellite altitude and a satellite azimuth; determining the current building height of the target building based on the spatial geometry parameter data.

Further, the step of determining the spatial geometric parameter data of the target building based on the satellite remote sensing image further includes: and acquiring the solar altitude angle, the solar azimuth angle, the satellite altitude angle and the satellite azimuth angle of the target building in a target language file corresponding to the satellite remote sensing image of the target building.

Further, the step of determining the current building height of the target building based on the spatial geometrical parameter data comprises: judging whether the angle difference between the solar azimuth and the satellite azimuth is a preset angle, wherein the preset angle is 0 degree or 180 degrees; determining the current building height of the target building based on target parameter data in the spatial geometrical parameter data under the condition that the angle difference is the preset angle, wherein the target parameter data at least comprises: the solar altitude angle and the satellite altitude angle.

Further, in a case that the angle difference is a preset angle, the step of determining the current building height of the target building based on target parameter data in the spatial geometric parameter data includes: under the condition that the angle difference is the preset angle, acquiring a target connecting line length of the satellite remote sensing image of the target building in the target parameter data, wherein the target parameter data further comprises the target connecting line length, and the target connecting line length is a connecting line length of a shadow position point and an imaging position point of a target corner point of the top layer of the target building on the satellite remote sensing image; and calculating the solar altitude angle, the satellite altitude angle and the target connecting line length, and determining the current building height of the target building.

Further, the step of calculating the solar altitude, the satellite altitude and the target link length to determine the current building height of the target building includes: in the case that the angle difference is 0 degrees, calculating the current building height of the target building through a first building height calculation formula, wherein the first building height calculation formula is as follows: h = a' a "/(ctan θ -ctan ω), and in the case that the angle difference is 180 degrees, calculating the current building height of the target building by a building height calculation formula two, wherein the building height calculation formula two is: h = a 'a "/(ctan θ + ctan ω), where H is the current building height of the target building, a' a" is the target link length, θ is the solar altitude angle, ω is the satellite altitude angle, and ctan is the cotangent in the trigonometric function.

Further, before the obtaining of the satellite remote sensing image of the target building at the current time, the method comprises the following steps: acquiring an original satellite remote sensing image of the target building under a target resolution, wherein the target resolution is 0.75-0.5 m; preprocessing the original satellite remote sensing image to obtain the satellite remote sensing image, wherein the preprocessing at least comprises one of the following steps: radiation correction and geometric correction.

Further, determining the construction schedule of the target building before the construction schedule of the target building based on the current building height and the initial building height of the target building comprises: acquiring the initial building height of the target building through a preset height acquisition mode, wherein the preset height acquisition mode at least comprises one of the following modes: and acquiring a building height record of the target building at the initial time, and acquiring a satellite remote sensing image of the target building at the initial time.

According to another aspect of the embodiments of the present invention, there is provided a post-loan risk prediction apparatus, including: the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for acquiring a satellite remote sensing image of a target building at the current time, and the target building is a building constructed after loan is carried out on a construction project; the first determining unit is used for determining the current building height of the target building according to the satellite remote sensing image; a second determination unit, configured to determine a construction progress of the target building based on the current building height and an initial building height of the target building, where the initial building height is the building height of the target building detected by the target building at an initial time, and a preset time interval is provided between the initial time and the current time; and the third determining unit is used for determining the risk after the construction project is credited according to the construction progress of the target building.

Further, the second determination unit includes: a first determining subunit, configured to determine a construction height parameter of the target building based on the current building height and an initial building height of the target building, where the construction height parameter is a height from the initial time to the current time at which the target building is constructed; and the second determining subunit is used for determining the construction progress of the target building by comparing the construction height parameter with an expected construction height parameter.

Further, the first determining subunit includes: the determining module is used for determining the construction height parameter of the target building based on the current building height of each building in the target building and the initial building height corresponding to each building, wherein the target building comprises a plurality of buildings.

Further, the determining module includes: a first calculating sub-module, configured to calculate the building height parameter based on a current building height of each building in the target building and an initial building height corresponding to each building, according to the following formula:

wherein M is the number of buildings in the target building, H _M Is the initial building height of the Mth building, H _MT And K is the current building height of the Mth building in the target building, and is the construction height parameter.

Further, the second determining subunit includes: a first determining module, configured to determine the construction progress of the target building as an abnormal construction progress if the construction height parameter is smaller than the expected construction height parameter, where the abnormal construction progress includes at least one of: the construction is stopped and the construction progress is lagged behind; the second determining module is used for determining that the construction progress of the target building is a normal construction progress under the condition that the construction height parameter is larger than or equal to the expected construction height parameter.

Further, the first determination unit includes: a third determining subunit, configured to determine, based on the satellite remote sensing image, spatial geometric parameter data of the target building, where the spatial geometric parameter data at least includes: a solar altitude, a solar azimuth, a satellite altitude, and a satellite azimuth; a fourth determining subunit, configured to determine the current building height of the target building based on the spatial geometrical parameter data.

Further, the third determining subunit includes: and the acquisition module is used for acquiring the solar altitude angle, the solar azimuth angle, the satellite altitude angle and the satellite azimuth angle of the target building in a target language file corresponding to the satellite remote sensing image of the target building.

Further, the third determining subunit includes: the judging module is used for judging whether the angle difference between the solar azimuth and the satellite azimuth is a preset angle or not, wherein the preset angle is 0 degree or 180 degrees; a third determining module, configured to determine the current building height of the target building based on target parameter data in the spatial geometric parameter data when the angle difference is the preset angle, where the target parameter data at least includes: the solar altitude, the satellite altitude.

Further, the third determining module comprises: the acquisition sub-module is used for acquiring a target connecting line length of the satellite remote sensing image of the target building in the target parameter data under the condition that the angle difference is the preset angle, wherein the target parameter data further comprises the target connecting line length, and the target connecting line length is a connecting line length of a shadow position point and an imaging position point of a target angular point of the top layer of the target building on the satellite remote sensing image; and the second calculation submodule is used for calculating the solar altitude angle, the satellite altitude angle and the target connecting line length and determining the current building height of the target building.

Further, the second calculation sub-module includes: a first calculating submodule, configured to calculate the current building height of the target building through a first building height calculating formula when the angle difference is 0 degree, where the first building height calculating formula is: h = a' a ″/(ctan θ -ctan ω), a second calculation sub-module configured to calculate the current building height of the target building according to a second building height calculation formula when the angle difference is 180 degrees, wherein the second building height calculation formula is: h = a 'a "/(ctan θ + ctan ω), where H is the current building height of the target building, a' a" is the target link length, θ is the solar altitude angle, ω is the satellite altitude angle, and ctan is the cotangent in a trigonometric function.

Further, the post-loan risk prediction apparatus further includes: before the satellite remote sensing image of the target building at the current time is obtained, the method comprises the following steps: the second acquisition unit is used for acquiring an original satellite remote sensing image of the target building under a target resolution, wherein the target resolution is 0.75-0.5 m; the processing unit is used for preprocessing the original satellite remote sensing image to obtain the satellite remote sensing image, wherein the preprocessing at least comprises one of the following steps: radiation correction and geometric correction.

Further, the post-credit risk prediction apparatus further includes a third obtaining unit, configured to obtain an initial building height of the target building in a preset height obtaining manner before determining a construction progress of the target building based on the current building height and the initial building height of the target building, where the preset height obtaining manner at least includes one of the following: and acquiring a building height record of the target building at the initial time, and acquiring a satellite remote sensing image of the target building at the initial time.

According to another aspect of the embodiments of the present invention, there is also provided an electronic device, including: a processor; and a memory for storing executable instructions for the processor; wherein the processor is configured to perform any of the above methods of risk prediction after lending via execution of the executable instructions.

According to another aspect of the embodiments of the present invention, there is further provided a computer-readable storage medium, in which a computer program is stored, where when the computer program runs, an apparatus in which the computer-readable storage medium is located is controlled to execute any one of the above-mentioned methods for predicting risk after credit.

In the invention, a satellite remote sensing image of a target building at the current time is obtained, wherein the target building is a building constructed after loan is carried out on a construction project; determining the current building height of the target building according to the satellite remote sensing image; determining the construction progress of the target building based on the current building height and the initial building height of the target building, wherein the initial building height is the building height of the target building detected by the target building at the initial time, and a preset time interval is formed between the initial time and the current time; and determining the post-credit risk of the construction project according to the construction progress of the target building. According to the invention, the building height of the building at the current time and the initial building height of the target building are obtained through the satellite remote sensing image, the construction progress of the target building is determined, and the risk prediction after the construction project is carried out according to the construction progress of the target building, so that the situation that the construction progress of the construction project is manually measured and cannot be monitored in real time in the related technology is avoided, and the technical effect of improving the timeliness and the accuracy of the risk prediction after the construction project is lended is realized.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the invention and do not constitute a limitation of the invention. In the drawings:

FIG. 1 is a flow chart of an alternative post-loan risk prediction method according to an embodiment of the invention;

FIG. 2 is a flow diagram of an alternative building construction progress monitoring according to an embodiment of the present invention;

FIG. 3 is a schematic illustration of the spatial geometry of an alternative satellite remote sensing image of a building according to an embodiment of the invention;

FIG. 4 is a schematic illustration of an alternative building satellite remote sensing image according to embodiments of the present invention;

FIG. 5 is a schematic diagram of an alternative post-loan risk prediction arrangement, in accordance with embodiments of the invention;

FIG. 6 is a schematic diagram of an alternative electronic device according to an embodiment of the invention.

Detailed Description

In order to make those skilled in the art better understand the technical solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Moreover, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be noted that the method and the device for predicting risk after loan in the present disclosure can be used in the financial technology field for risk prediction of construction projects, and can also be used in any fields other than the financial technology field for risk prediction of construction project schedules of construction projects, and the application fields of the method and the device for predicting risk after loan are not limited in the present disclosure.

It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for presentation, analyzed data, etc.) referred to in the present disclosure are information and data authorized by the user or sufficiently authorized by each party. For example, an interface is provided between the system and the relevant user or organization, before obtaining the relevant information, an obtaining request needs to be sent to the user or organization through the interface, and after receiving the consent information fed back by the user or organization, the relevant information is obtained.

The invention is further illustrated below with reference to examples.

Example one

In accordance with an embodiment of the present invention, there is provided an alternative method embodiment of a post-loan risk prediction method, it being noted that the steps illustrated in the flowchart of the drawings may be performed in a computer system, such as a set of computer-executable instructions, and that, although a logical order is illustrated in the flowchart, in some cases, the steps illustrated or described may be performed in an order different than presented herein.

Fig. 1 is a flow chart of an alternative post-loan risk prediction method according to an embodiment of the invention, as shown in fig. 1, the method comprising the steps of:

and S101, acquiring a satellite remote sensing image of a target building at the current time, wherein the target building is built after loan is performed on a construction project.

The target building can be a building constructed by the construction project after loan from the financial institution.

And S102, determining the current building height of the target building according to the satellite remote sensing image.

In order to improve the efficiency of obtaining the current building height of the target building and avoid the situation of poor efficiency and accuracy of manual measurement, the current building height of the target building can be determined through a satellite remote sensing image of the target building, and the current height of the target building can be obtained through analyzing, calculating and processing the satellite remote sensing image.

Step S103, determining the construction progress of the target building based on the current building height and the initial building height of the target building, wherein the initial building height is the building height of the target building detected by the target building at the initial time, and a preset time interval is formed between the initial time and the current time.

The initial building height of the target building can be obtained through a satellite remote sensing image of the target building at the initial time, the initial building height of the target building can also be obtained through historical records, and whether the target building reaches the expected height or not can be judged according to the current building height and the initial building height of the target building, so that the construction progress of the target building is obtained. The initial time may be separated from the current time by a preset time period or a time period of one monitoring period. The construction schedule may include, but is not limited to: the progress is normal, the progress is backward, the construction is stopped, and the like, it should be noted that the construction progress of the target building may also be the construction progress of a past certain time interval or a monitoring period, and in the case that the currently monitored construction progress is the construction progress of a monitoring period, the current time may be the end time of a period, and the initial time may be the start time of a period.

And step S104, determining the post-loan risk of the construction project according to the construction progress of the target building.

In this embodiment, the construction progress of the target building may be used to determine the risk after loan of the construction project, determine whether to perform early warning on the construction project to which the target building belongs, and may also be used to help the financial institution determine whether to continue to loan the construction project of the construction project and the loan amount of the continuous loan.

According to the steps, the technical problem that the construction progress of the construction project after the loan cannot be monitored in real time by a financial institution in the related art, and the loan risk cannot be predicted is solved.

In order to avoid the situation that the building progress acquisition efficiency of the building is low, in this embodiment, the following is further defined for the step of determining the building progress of the target building based on the current building height and the initial building height of the target building: determining a construction height parameter of the target building based on the current building height and the initial building height of the target building, wherein the construction height parameter is the height of the target building from the initial time to the current time; and comparing the construction height parameter with the expected construction height parameter to determine the construction progress of the target building.

The construction height parameter can be the height of the target building from the initial time to the current time, the expected construction height parameter can be the height of the target building from the initial time to the current time, the construction progress of the target building can be determined by comparing the construction height parameter of the target building with the preset construction height parameter, whether the construction progress of the target building has risks or not can be accurately obtained according to the construction progress, and the technical effect of improving the accuracy of obtaining the construction progress of the target building is achieved.

In order to avoid the situation that the building height of the multiple buildings cannot be accurately obtained due to the fact that the building engineering includes the multiple buildings, in this embodiment, the step of determining the construction height parameter of the target building based on the current building height and the initial building height of the target building further includes: determining a construction height parameter of a target building based on a current building height of each building in the target building and an initial building height corresponding to each building, wherein the target building comprises a plurality of buildings.

The target building can comprise a plurality of buildings, and under the condition that the target building comprises the plurality of buildings, the construction height parameter of the target building can be the average construction height of the plurality of buildings, the construction height parameter of the target building can be obtained based on the current construction height of each building in the target building and the initial construction height corresponding to each building, the plurality of buildings can also be one building, and the technical effect of improving the accurate acquisition of the construction height parameter of the target building is achieved.

To avoid the situation that the building height of the target building is low in obtaining efficiency, in the embodiment, the method is applied to the target building-based buildingThe current building height of each building and the initial building height corresponding to each building determine the construction height parameter of the target building, and the following contents are further defined: based on the current building height of each building in the target building and the initial building height corresponding to each building, calculating a construction height parameter by the following formula, wherein the formula is as follows:

wherein M is the number of buildings in the target building, and H _M Is the initial building height of the Mth building, H _MT The current building height of the Mth building in the target building is K, and the K is a construction height parameter.

In this embodiment, the target building may be a construction project of a building project, and may be a plurality of buildings constructed in a target area, and the target area may be a cell, and since the construction schedules of the buildings in the same cell are similar, after the construction project starts, the construction schedule may be detected at a preset time interval, where the preset time may be a monitoring period T, so as to achieve the purpose of regularly monitoring the construction schedule of the construction project, and an expected construction height parameter for construction at a normal schedule in the period may be set, for example, an expected construction height in each monitoring period T is N meters, and an expected construction height parameter for each period may also be set according to a difference in the construction period.

Corresponding to the detected target area, in the period of M buildings and monitoring, the initial building height is H _M After a preset time interval (monitoring period), the current building height is H _MT The construction height parameter is K and is obtained by the following formula:

wherein M is the number of buildings in the target building, H _M Is the initial building height of the Mth building, H _MT Is the current building height of the Mth building in the building, and K is the building heightAnd the current building height of the target building is obtained by calculating the formula of the building height parameter, so that the technical effect of improving the building height acquisition efficiency is realized.

In order to accurately obtain the condition of the construction progress of the building, in this embodiment, the step of determining the construction progress of the target building by comparing the construction height parameter with the expected construction height parameter further defines the following contents: and under the condition that the construction height parameter is smaller than the expected construction height parameter, determining the construction progress of the target building as an abnormal construction progress, wherein the abnormal construction progress at least comprises one of the following steps: the construction is stopped and the construction progress is lagged behind; and under the condition that the construction height parameter is larger than or equal to the expected construction height parameter, determining the construction progress of the target building as a normal construction progress.

In this embodiment, the construction progress of the target building can be obtained by comparing the construction height parameter with the expected construction height parameter, when the expected construction height parameter is N and the construction height parameter is K, and when K < N, the construction risk condition (i.e., the construction progress) can be stopped for construction, the construction progress is backward, and the like, and early warning can be performed in time. When K is greater than N or K = N, the construction progress is normal, and early warning can not be carried out, so that the technical effects of timely acquiring the construction progress, timely acquiring the risk information after the financial institution is credited and improving the risk early warning efficiency after the financial institution is credited are achieved.

In order to avoid the situation that the measurement efficiency is low due to the manual measurement of the building height, in this embodiment, the following contents are further defined for the step of determining the current building height of the target building according to the satellite remote sensing image: based on the satellite remote sensing image, determining spatial geometric parameter data of a target building, wherein the spatial geometric parameter data at least comprises: a solar altitude, a solar azimuth, a satellite altitude, and a satellite azimuth; based on the spatial geometrical parameter data, a current building height of the target building is determined.

In this embodiment, the spatial relationship data between the solar altitude, the solar azimuth, the satellite altitude, the satellite azimuth, and the distance between the roof target corner in the top floor of the target building on the image and the shadow of the satellite remote sensing image is constructed by studying the geometric relationship analysis between the shadow of the building on the remote sensing image and the sun and the satellite during imaging, so as to obtain the spatial geometric parameter data of the target building.

The space geometric parameter data may include a solar elevation angle, a solar azimuth angle, a satellite elevation angle and a satellite azimuth angle, may further include a shadow position point of a target angular point of a top layer of the building on the satellite remote sensing image and a target connection line length of the imaging position point, and may further include a shadow length of the target building in the satellite remote sensing image and the like.

It should be noted that the connection length data in the space geometric parameter data obtained based on the satellite remote sensing image may be obtained through a proportional relationship between the connection length in the satellite image and the actual image, when the target building includes multiple buildings, the space geometric parameter data of each building may be obtained based on the satellite remote sensing image of each building, the current building height of each building is determined, when the target building belongs to the same area, the space geometric parameter data of each building in the area may also be determined based on the satellite remote sensing image of the area, and the current building height of each building is obtained, and when the target building is multiple buildings, the current building height of the target building may be the current building height of each building.

The current building height of the target building is determined through the space geometric parameter data acquired by the satellite remote sensing image, the height of the current building is prevented from being measured in a manual measurement mode, and the technical effect of improving the building height acquisition efficiency of the target building is achieved.

In order to avoid the situation that the acquisition efficiency of the spatial geometric parameters in the satellite remote sensing image is low, in this embodiment, the following contents are further defined for the step of determining the spatial geometric parameter data of the target building based on the satellite remote sensing image: and acquiring a solar altitude angle, a solar azimuth angle, a satellite altitude angle and a satellite azimuth angle of the target building in a target language file corresponding to the satellite remote sensing image of the target building.

In this embodiment, the solar elevation, the solar azimuth, the satellite elevation, and the satellite azimuth can be obtained in an xml file (corresponding to the target language file) corresponding to each satellite remote sensing image, and each image has its specific solar elevation, solar azimuth, satellite elevation, and satellite azimuth.

The solar altitude, the solar azimuth, the satellite altitude and the satellite azimuth of the target building are directly obtained through the target language file of the satellite remote sensing image, and the technical effect of improving the obtaining efficiency of the solar altitude, the solar azimuth, the satellite altitude and the satellite azimuth is achieved.

In order to improve the accuracy of the calculation of the current building height of the target building, in this embodiment, the following are further defined for the step of determining the current building height of the target building based on the spatial geometric parameter data: judging whether the angle difference between the solar azimuth and the satellite azimuth is a preset angle, wherein the preset angle is 0 degree or 180 degrees; under the condition that the angle difference is a preset angle, determining the current building height of the target building based on target parameter data in the space geometric parameter data, wherein the target parameter data at least comprises the following components: solar altitude, satellite altitude.

In this embodiment, it is determined whether an angle difference between the solar azimuth and the satellite azimuth is a preset angle, where the preset angle may be 0 degree or 180 degrees; in the case of an angular difference of 0 degree or 180 degrees, the current building height of the target building may be determined by mathematical calculation based on target parameter data in the spatial geometrical parameter data, wherein the target parameter data includes at least: the solar altitude and the satellite altitude realize the technical effect of accurately acquiring the current building height of the target building.

In order to accurately obtain the current building height of the target building, in this embodiment, the following is further defined for the step of determining the current building height of the target building based on the target parameter data in the spatial geometric parameter data when the angle difference is the preset angle: under the condition that the angle difference is a preset angle, acquiring the target connection line length of the satellite remote sensing image of the target building in the target parameter data, wherein the target parameter data further comprises the target connection line length, and the target connection line length is the connection line length of a shadow position point and an imaging position point of a target corner point of the top layer of the target building on the satellite remote sensing image; and calculating the solar altitude angle, the satellite altitude angle and the target connecting line length to determine the current building height of the target building.

In this embodiment, when the angle difference is a preset angle, that is, when the angle difference is 0 degree or 180 degrees, a target connection line length in the target parameter data may be obtained, where the target connection line length is a connection line length of a shadow position point and an imaging position point of a target corner point on a top layer of a target building on a satellite remote sensing image, and the sun altitude angle, the satellite altitude angle, and the target connection line length are calculated to determine a current building height of the target building, where, in a case where the target building includes multiple buildings, the current building height of the target building may be a current building height of each building in the target building, so as to achieve a technical effect of accurately obtaining the current building height of the target building.

In order to avoid the situation that the accuracy of calculating the current building height of the target building is low, in this embodiment, the step of calculating the solar altitude angle, the satellite altitude angle, and the target connection line length to determine the current building height of the target building is further defined as follows: and under the condition that the angle difference is 0 degree, calculating the current building height of the target building through a first building height calculation formula, wherein the first building height calculation formula is as follows: h = a' a "/(ctan θ -ctan ω), and in the case that the angle difference is 180 degrees, calculating the current building height of the target building through a building height calculation formula two, wherein the building height calculation formula two is: h = a 'a "/(ctan θ + ctan ω), where H is the current building height of the target building, a' a" is the target link length, θ is the solar altitude angle, ω is the satellite altitude angle, and ctan is the cotangent in the trigonometric function.

In this embodiment, when the solar azimuth and the satellite azimuth are equal, that is, the angle difference is 0 degree, the building height may be expressed as:

H＝A′A″/(ctanθ-ctanω)

when the solar azimuth and the satellite azimuth differ by 180 °, the building altitude can be expressed as:

H＝A′A″/(ctanθ+ctanω)

wherein, A' and the connection length of the homonymous points of the angular points (namely the target connection length), theta is the solar altitude, omega is the satellite altitude, and ctan is the cotangent in the trigonometric function.

Thus, with the known altitude, azimuth and connection length of the homonymous points of the sun and satellite, the height H of the building (corresponding to the current building height described above) can be calculated.

The building height of the building is calculated through the building height calculation formula, and the technical effect of improving the building height calculation efficiency is achieved.

In order to avoid the situation that the original satellite remote sensing image is directly used and the calculation result is inaccurate due to the definition of the original satellite remote sensing image, in this embodiment, the following contents are further included before the satellite remote sensing image of the target building at the current time is acquired: acquiring an original satellite remote sensing image of a target building under a target resolution, wherein the target resolution is 0.75-0.5 m; preprocessing an original satellite remote sensing image to obtain a satellite remote sensing image, wherein the preprocessing at least comprises one of the following steps: radiation correction and geometric correction.

In this embodiment, in order to identify the buildings in the satellite remote sensing image more clearly and obtain more accurate spatial geometric parameter data in the satellite remote sensing image in the target building, the satellite remote sensing image may use a satellite remote sensing image with a resolution of 0.75-5 m, and the satellite remote sensing image with a resolution of 0.75-5 m may be identified, because the image taken by the satellite may contain a large amount of information and noise. Since the building information in the low-resolution satellite remote sensing image is not obvious, the resolution of the satellite remote sensing image in the embodiment may be preferably 0.75 m high-resolution satellite remote sensing image.

The satellite remote sensing image can be preprocessed, the satellite remote sensing image can be subjected to operations such as image radiation correction and geometric correction in the operation process, the image data can be enhanced, the problem of low image contrast caused by illumination or weather is solved, and the technical effect of improving the definition of the satellite remote sensing image is achieved.

In order to avoid the situation that the initial building height of the target building is inefficient to obtain, in this embodiment, before determining the construction progress of the target building based on the current building height and the initial building height of the target building, the following is further included: acquiring the initial building height of a target building through a preset height acquisition mode, wherein the preset height acquisition mode at least comprises one of the following modes: the method comprises the steps of obtaining building height records based on a target building at initial time, and obtaining satellite remote sensing images based on the target building at initial time.

The initial building height of the target building can be obtained based on the building height record of the target building at the initial time, and can also be obtained based on the satellite remote sensing image of the target building at the initial time.

The invention is described below in connection with an alternative embodiment.

Example two

The embodiment provides an optional method for monitoring construction progress risk in a construction project post-loan project, which is used for monitoring whether the construction progress of the construction project has risk or not after a financial institution loans the construction project, and carrying out early warning in time under the condition of the construction progress risk to reduce the risk generated in the loan process.

Fig. 2 is a flowchart of an alternative building construction progress monitoring according to an embodiment of the present invention, and as shown in fig. 2, a satellite remote sensing image of a building may be obtained first, a building height detection result is obtained through a height detection model, then according to a construction progress parameter (an expected construction height parameter), the construction progress is determined to be normal or delayed in progress and shutdown, and in the case of delayed in progress and shutdown, an early warning is given to a service worker.

The present embodiment will be described in detail below.

1. Data source of this embodiment: in order to clearly identify buildings in the satellite remote sensing images, the satellite remote sensing images with the resolution of 0.75-5 meters can be used, and the remote sensing images with the resolution of 0.75-5 meters can be identified.

2. The required data is a satellite remote sensing image with the resolution of 0.75-5 meters. The images shot by the satellites contain a large amount of information and noise, and building information in the low-resolution satellite remote sensing images is not obvious, so that the building height of the building can be obtained for the satellite remote sensing images with the high resolution of 0.75 m, a better calculation effect can be obtained, and the more accurate building height can be obtained.

3. Pretreatment: the remote sensing image preprocessing method can be used for preprocessing the remote sensing image, operations such as image radiation correction and geometric correction can be performed on the remote sensing image in the preprocessing operation process, the satellite remote sensing image data can be enhanced, and the problem of low image contrast caused by illumination or weather is solved.

4. Height measurement model: for a building, the building height is H. Assuming that the building is perpendicular to the ground, the corner point is the corner point of the roof, i.e. the corner point of the roof of the building (corresponding to the target corner point in the first embodiment). By studying the geometric relationship analysis between the shadow of the building (corresponding to the target building in the first embodiment) on the satellite remote sensing image and the sun and the satellite, the relationship between the sun altitude, the sun azimuth, the satellite altitude, the satellite azimuth and the distance between the building roof angular point on the image and the shadow is constructed, and the building height can be extracted by using a single satellite remote sensing image.

The solar altitude, the solar azimuth, the satellite altitude and the satellite azimuth are obtained from an xml file (corresponding to the target language file in the first embodiment) corresponding to each image, and each image has the specific solar altitude, solar azimuth, satellite altitude and satellite azimuth.

And performing set transformation and fitting inference and calculating the height of the building according to the space triangular geometrical space relationship by measuring the space distance between the corner points of the building and the shadow points of the building.

Fig. 3 is a schematic diagram of the spatial geometry of an alternative satellite remote sensing image of a building according to an embodiment of the present invention, assuming that the building is perpendicular to the ground and the corner point is an inflection point of a roof. As shown in fig. 3:

wherein the building height is H = AA ₀ Shadow length L = A "A ₀ The solar altitude angle theta = AA' A ₀ The satellite elevation angle is omega = < AA' A ₀ Solar azimuth of gamma, satellite azimuth of alpha, wall ABA ₀ B ₀ Is A' B ₀ A ₀ The shaded surface is A 'B' A ₀ B ₀ 。

A "is the position on the image of the shadow of corner a (corresponding to the target corner in the first embodiment), a 'is the position on the image where the corner is imaged, and a" and a' are the same name points of corner a.

The connection line A 'and A' of the corner points with the same name can be deduced from the trigonometric relation ₀ And A' A ₀ The relationship of (1):

A′A″ ² ＝A″A ₀ ² +A′A ₀ ² -2cos∠A′A ₀ A″×A″A ₀ ×A′A ₀

when the solar azimuth and the satellite azimuth are equal, the building altitude can be expressed as:

H＝A′A″/(ctanθ-ctanω)

when the solar azimuth and satellite azimuth differ by 180 °, the building altitude can be expressed as:

H＝A′A″/(ctanθ+ctanω)

therefore, the height H of the building can be calculated by knowing the altitude, azimuth and the dotted-line length (corresponding to the target-line length in the first embodiment) of the sun and the satellite.

Fig. 4 is a schematic diagram of an alternative satellite remote sensing image of a building according to an embodiment of the present invention, where the satellite remote sensing image is illustrated in fig. 4, and the building height can be calculated according to a homonymous point connecting line of the building and its shadow, and an azimuth angle and an altitude angle.

5. In an actual use scenario, since the building schedules of the same cell are similar, after the engineering building project starts, the construction schedule of the project may be periodically monitored, the monitoring period is T, and a height parameter (corresponding to the expected construction height parameter in the first embodiment) for construction under a normal schedule is set (for example, the expected construction height in each monitoring period T is N meters).

For M buildings in a monitoring area, the initial height of monitoring is H _M (corresponding to the initial building height in the first embodiment), after the monitoring period T, the detected building height is H _MT (corresponding to the current building height in the first embodiment), the construction progress parameter is K (corresponding to the construction height parameter K in the first embodiment).

And when K is less than N, early warning is timely carried out on construction risk conditions (construction shutdown, backward construction progress and the like).

When K > N or K = N, the construction progress is normal.

Through the embodiment, the building height can be automatically extracted from the high-resolution remote sensing image obtained by satellite remote sensing, the building progress of the building can be effectively extracted, and early warning is carried out in time.

The invention is described below in connection with an alternative embodiment.

EXAMPLE III

The present embodiment provides an optional post-loan risk prediction apparatus, and each implementation unit in the post-loan risk prediction apparatus corresponds to each implementation step in the first embodiment.

Fig. 5 is a schematic diagram of an alternative post-loan risk prediction apparatus provided in accordance with an embodiment of the invention, as shown in fig. 5, including: a first acquisition unit 51, a first determination unit 52, a second determination unit 53, a third determination unit 54.

Specifically, the first obtaining unit 51 is configured to obtain a satellite remote sensing image of a target building at the current time, where the target building is a building constructed after loan is performed on a construction project;

the first determining unit 52 is configured to determine a current building height of the target building according to the satellite remote sensing image;

a second determining unit 53, configured to determine a construction progress of the target building based on the current building height and an initial building height of the target building, wherein the initial building height is the building height of the target building detected by the target building at an initial time, and a preset time interval is provided between the initial time and the current time;

and a third determining unit 54 for determining the risk after credit of the construction project according to the construction progress of the target building.

In the third embodiment of the present application, the post-loan risk prediction apparatus may obtain, by the first obtaining unit 51, a satellite remote sensing image of a target building at a current time, where the target building is a building constructed after loan on a construction project, determine, by the first determining unit 52, a current building height of the target building according to the satellite remote sensing image, determine, by the second determining unit 53, a construction progress of the target building based on the current building height and an initial building height of the target building, where the initial building height is the building height of the target building detected at an initial time by the target building, where a preset time period is provided between the initial time and the current time, and then determine, by the third determining unit 54, a post-loan risk of the construction project according to the construction progress of the target building. In the embodiment, the construction progress of the target building is determined according to the building height of the building at the current time and the initial building height of the target building, and the post-credit risk prediction is carried out according to the construction progress of the target building, so that the situation that the construction progress of the construction project is manually measured and cannot be monitored in real time in the related technology is avoided, and the technical effect of improving the timeliness and the accuracy of the post-credit risk prediction of the construction project is realized.

Optionally, in the post-loan risk prediction apparatus provided in the third embodiment of the present application, the second determining unit 53 includes: the first determining subunit is used for determining a construction height parameter of the target building based on the current building height and the initial building height of the target building, wherein the construction height parameter is the height of the target building from the initial time to the current time; and the second determining subunit is used for comparing the construction height parameter with the expected construction height parameter to determine the construction progress of the target building.

Optionally, in the post-loan risk prediction apparatus provided in the third embodiment of the present application, the first determining subunit 52 includes: the determining module is used for determining a construction height parameter of a target building based on the current building height of each building in the target building and the initial building height corresponding to each building, wherein the target building comprises a plurality of buildings.

Optionally, in the post-loan risk prediction apparatus provided in the third embodiment of the present application, the determining module includes: the first calculation submodule is used for calculating a construction height parameter based on the current building height of each building in the target building and the initial building height corresponding to each building through the following formula, wherein the formula is as follows:

Optionally, in the post-loan risk prediction apparatus provided in the third embodiment of the present application, the second determining subunit includes: the first determining module is used for determining the construction progress of the target building as an abnormal construction progress under the condition that the construction height parameter is smaller than the expected construction height parameter, wherein the abnormal construction progress at least comprises one of the following steps: the construction is stopped and the construction progress is lagged behind; and the second determining module is used for determining the construction progress of the target building as the normal construction progress under the condition that the construction height parameter is greater than or equal to the expected construction height parameter.

Optionally, in the post-loan risk prediction apparatus provided in the third embodiment of the present application, the first determining unit 52 includes: the third determining subunit is configured to determine spatial geometric parameter data of the target building based on the satellite remote sensing image, where the spatial geometric parameter data at least includes: a solar altitude, a solar azimuth, a satellite altitude and a satellite azimuth; and the fourth determining subunit is used for determining the current building height of the target building based on the space geometric parameter data.

Optionally, in the post-loan risk prediction apparatus provided in the third embodiment of the present application, the third determining subunit includes: and the acquisition module is used for acquiring the solar altitude angle, the solar azimuth angle, the satellite altitude angle and the satellite azimuth angle of the target building in a target language file corresponding to the satellite remote sensing image of the target building.

Optionally, in the post-loan risk prediction apparatus provided in the third embodiment of the present application, the third determining subunit includes: the judging module is used for judging whether the angle difference between the solar azimuth and the satellite azimuth is a preset angle or not, wherein the preset angle is 0 degree or 180 degrees; a third determining module, configured to determine, based on target parameter data in the spatial geometric parameter data, a current building height of the target building when the angle difference is a preset angle, where the target parameter data at least includes: solar altitude, satellite altitude.

Optionally, in the post-loan risk prediction apparatus provided in the third embodiment of the present application, the third determining module includes: the acquisition submodule is used for acquiring a target connecting line length of the satellite remote sensing image of the target building in the target parameter data under the condition that the angle difference is a preset angle, wherein the target parameter data further comprises the target connecting line length, and the target connecting line length is the connecting line length of a shadow position point and an imaging position point of a target angular point of the top layer of the target building on the satellite remote sensing image; and the second calculation submodule is used for calculating the solar altitude angle, the satellite altitude angle and the target connecting line length and determining the current building height of the target building.

Optionally, in the post-loan risk prediction apparatus provided in the third embodiment of the present application, the second calculation sub-module includes: the first calculation submodule is used for calculating the current building height of the target building through a first building height calculation formula under the condition that the angle difference is 0 degree, wherein the first building height calculation formula is as follows: h = a' a "/(ctan θ -ctan ω), and a second calculation submodule, configured to calculate, when the angle difference is 180 degrees, a current building height of the target building according to a second building height calculation formula, where the second building height calculation formula is: h = a 'a "/(ctan θ + ctan ω), where H is the current building height of the target building, a' a" is the target link length, θ is the solar elevation angle, ω is the satellite elevation angle, and ctan is the cotangent in the trigonometric function.

Optionally, in the post-loan risk prediction apparatus provided in the third embodiment of the present application, the post-loan risk prediction apparatus further includes: before the satellite remote sensing image of the target building at the current time is obtained, the method comprises the following steps: the second acquisition unit is used for acquiring an original satellite remote sensing image of a target building under a target resolution, wherein the target resolution is 0.75-0.5 m; the processing unit is used for preprocessing the original satellite remote sensing image to obtain the satellite remote sensing image, wherein the preprocessing at least comprises one of the following steps: radiation correction and geometric correction.

Optionally, the post-credit risk prediction apparatus provided in the third embodiment of the present application, further includes a third obtaining unit, configured to obtain the initial building height of the target building through a preset height obtaining manner before determining the construction progress of the target building based on the current building height and the initial building height of the target building, where the preset height obtaining manner at least includes one of the following: the method comprises the steps of obtaining building height records based on a target building at initial time, and obtaining satellite remote sensing images based on the target building at initial time.

The post-loan risk prediction apparatus may further include a processor and a memory, where the first obtaining unit 51, the first determining unit 52, the second determining unit 53, the third determining unit 54, and the like are stored in the memory as program units, and the processor executes the program units stored in the memory to implement corresponding functions.

The processor comprises a kernel, and the kernel calls a corresponding program unit from the memory. The kernel can be set to be one or more than one, the building height of the building at the current time and the initial building height of the target building are obtained through satellite remote sensing images by adjusting the kernel parameters, the construction progress of the target building is determined, and post-loan risk prediction is carried out according to the construction progress of the target building, so that the situation that the construction progress of a construction project is manually measured in the related technology and cannot be monitored in real time is avoided, and the technical effect of improving the timeliness and the accuracy of the post-loan risk prediction of the construction project is achieved. .

The memory may include volatile memory in a computer readable medium, random Access Memory (RAM) and/or nonvolatile memory such as Read Only Memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip.

According to another aspect of the embodiments of the present invention, there is also provided an electronic device, including: a processor; and a memory for storing executable instructions for the processor; wherein the processor is configured to perform any of the above-described post-credit risk prediction methods via execution of executable instructions.

According to another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium, which includes a stored computer program, wherein when the computer program runs, the apparatus on which the computer-readable storage medium is located is controlled to execute any one of the above-mentioned methods for predicting risk after loan.

Fig. 6 is a schematic diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 6, an embodiment of the present invention provides an electronic device 60, where the electronic device includes a processor, a memory, and a program stored in the memory and capable of running on the processor, and the processor implements any one of the methods for predicting a risk after credit when executing the program.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

In the above embodiments of the present invention, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

In the embodiments provided in the present application, it should be understood that the disclosed technology can be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units may be a logical division, and in actual implementation, there may be another division, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, units or modules, and may be in an electrical or other form.

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 position, or may be distributed on a plurality of units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit may be implemented in the form of hardware, or may also be implemented in the form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. 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 Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic disk, or an optical disk, and various media capable of storing program codes.

The foregoing is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations should also be regarded as the protection scope of the present invention.

Claims

1. A method for predicting a risk after lending, comprising:

the method comprises the steps of obtaining a satellite remote sensing image of a target building at the current time, wherein the target building is built after loan is carried out on a construction project;

determining the current building height of the target building according to the satellite remote sensing image;

determining a construction progress of the target building based on the current building height and an initial building height of the target building, wherein the initial building height is the building height of the target building detected by the target building at an initial time, and a preset time interval is formed between the initial time and the current time;

and determining the post-credit risk of the construction project according to the construction progress of the target building.

2. The method of claim 1, wherein the step of determining the construction progress of the target building based on the current building height and the initial building height of the target building comprises:

determining a construction height parameter of the target building based on the current building height and an initial building height of the target building, wherein the construction height parameter is a height of construction of the target building from the initial time to the current time;

and comparing the construction height parameter with an expected construction height parameter to determine the construction progress of the target building.

3. The post-credit risk prediction method of claim 2 wherein the step of determining a building height parameter for the target building based on the current building height, an initial building height, of the target building comprises:

determining the construction height parameter of the target building based on a current building height of each building in the target building and an initial building height corresponding to each building, wherein the target building comprises a plurality of buildings.

4. The post-credit risk prediction method of claim 3 wherein the step of determining the construction height parameter of the target building based on a current construction height of each building in the target building and an initial construction height corresponding to each building comprises:

based on the current building height of each building in the target building and the initial building height corresponding to each building, calculating the construction height parameter by the following formula:

5. The method of claim 2, wherein the step of determining the construction progress of the target building by comparing the construction height parameter to an expected construction height parameter comprises:

determining the construction progress of the target building as an abnormal construction progress under the condition that the construction height parameter is smaller than the expected construction height parameter, wherein the abnormal construction progress at least comprises one of the following steps: construction is stopped, and the construction progress falls behind;

and under the condition that the construction height parameter is larger than or equal to the expected construction height parameter, determining the construction progress of the target building as a normal construction progress.

6. The method for predicting post-credit risk according to claim 1, wherein the step of determining the current building height of the target building based on the satellite remote sensing image comprises:

determining space geometric parameter data of the target building based on the satellite remote sensing image, wherein the space geometric parameter data at least comprises: a solar altitude, a solar azimuth, a satellite altitude, and a satellite azimuth;

determining the current building height of the target building based on the spatial geometry parameter data.

7. The method of claim 6, wherein the step of determining spatial geometry parameter data of the target structure based on the satellite remote sensing image further comprises:

and acquiring the solar altitude angle, the solar azimuth angle, the satellite altitude angle and the satellite azimuth angle of the target building in a target language file corresponding to the satellite remote sensing image of the target building.

8. The post-credit risk prediction method of claim 7 wherein the step of determining the current building height of the target building based on the spatial geometry parameter data comprises:

judging whether the angle difference between the solar azimuth and the satellite azimuth is a preset angle, wherein the preset angle is 0 degree or 180 degrees;

determining the current building height of the target building based on target parameter data in the spatial geometrical parameter data under the condition that the angle difference is the preset angle, wherein the target parameter data at least comprises: the solar altitude, the satellite altitude.

9. The method of claim 8, wherein the step of determining the current building height of the target building based on target parameter data in the spatial geometric parameter data when the angle difference is a preset angle comprises:

acquiring a target connecting line length of the satellite remote sensing image of the target building in the target parameter data under the condition that the angle difference is the preset angle, wherein the target parameter data further comprises the target connecting line length, and the target connecting line length is a connecting line length of a shadow position point and an imaging position point of a target angular point of the top layer of the target building on the satellite remote sensing image;

and calculating the solar altitude, the satellite altitude and the target connecting line length to determine the current building height of the target building.

10. The method of claim 9, wherein the step of calculating the solar altitude, the satellite altitude, and the target link length to determine the current building height of the target building comprises:

in the case that the angle difference is 0 degrees, calculating the current building height of the target building through a first building height calculation formula, wherein the first building height calculation formula is:

H＝A′A″/(ctanθ-ctanω)

calculating the current building height of the target building through a building height calculation formula two when the angle difference is 180 degrees, wherein the building height calculation formula two is as follows:

H＝A′A″/(ctanθ+ctanω)

wherein H is the current building height of the target building, A' is the target link length, θ is the solar altitude, ω is the satellite altitude, and cta is the cotangent in the trigonometric function.

11. The method of predicting risk after credit of claim 1, wherein obtaining the satellite remote sensing image of the target building at the current time is preceded by:

acquiring an original satellite remote sensing image of the target building under a target resolution, wherein the target resolution is 0.75-0.5 m;

preprocessing the original satellite remote sensing image to obtain the satellite remote sensing image, wherein the preprocessing at least comprises one of the following steps: radiation correction and geometric correction.

12. The method of claim 1, wherein determining the construction schedule of the target building based on the current building height and the initial building height of the target building comprises:

acquiring the initial building height of the target building through a preset height acquisition mode, wherein the preset height acquisition mode at least comprises one of the following modes: and acquiring a building height record of the target building at the initial time, and acquiring a satellite remote sensing image of the target building at the initial time.

13. A post-loan risk prediction apparatus, comprising:

the system comprises an acquisition unit, a processing unit and a display unit, wherein the acquisition unit is used for acquiring a satellite remote sensing image of a target building at the current time, and the target building is built after loan is carried out on a construction project;

the first determining unit is used for determining the current building height of the target building according to the satellite remote sensing image;

a second determination unit, configured to determine a construction progress of the target building based on the current building height and an initial building height of the target building, where the initial building height is the building height of the target building detected by the target building at an initial time, and a preset time interval is provided between the initial time and the current time;

and the third determining unit is used for determining the risk after the construction project is credited according to the construction progress of the target building.

14. A computer-readable storage medium, in which a computer program is stored, wherein when the computer program runs, the computer-readable storage medium controls an apparatus to execute the method according to any one of claims 1 to 12.

15. An electronic device comprising one or more processors and memory storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the post-credit risk prediction method of any of claims 1-12.