CN107169860A - A kind of method for prewarning risk and device - Google Patents
A kind of method for prewarning risk and device Download PDFInfo
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Abstract
This application provides a kind of method for prewarning risk and device, method for prewarning risk includes：The loan transaction data of client are obtained from background data base；Warning index is determined by the loan transaction data of client, wherein, warning index includes quantitative warning index, scorecard warning index and/or reference warning index；Judge whether warning index meets early warning trigger condition；When warning index meets the early warning trigger condition, pre-warning signal is initiated for warning index；The corresponding client of warning index for initiating pre-warning signal is included in early warning list, so that early warning personnel determine risk client from early warning list.The method for prewarning risk that the application is provided can be based on warning index automatic early-warning, so that it is determined that going out risk subscribers, one-to-one verification is carried out to client without inspection personnel after loan, the efficiency checked after borrowing is improved, the cost checked after borrowing is reduced.
Description
Technical field
The present invention relates to technical field of data processing, more particularly to a kind of method for prewarning risk and device.
Background technology
At present, to being checked after the loan of traditional big-and-middle-sized client, it is necessary to which customer manager is man-to-man, complete to loan customer progress
Checked after face, indifference loan, customer manager needs the information of artificial collection client's each side, and according to manually gathering
Information carries out risk analysis, determines whether substantial risk, and collection information is needed from each system, site inspection, outside in row
The multiple support channels such as inquiry collection are carried out, it is impossible to mass operation.Existing post-loan management mode, because customer manager needs a pair
One, which visits, checks after loan, therefore post-loan management efficiency is low, and post-loan management cost is high.
The content of the invention
In view of this, the invention provides a kind of method for prewarning risk and device, to solve existing post-loan management side
Formula, is checked after needing one-to-one loan of visiting due to customer manager, therefore post-loan management efficiency is low, and the high skill of post-loan management cost
Art problem, its technical scheme is as follows：
A kind of method for prewarning risk, the method for prewarning risk includes：
The loan transaction data of client are obtained from background data base；
Determine warning index by the loan transaction data of the client, the warning index include quantitative warning index,
Scorecard warning index and/or reference warning index；
Judge whether the warning index meets early warning trigger condition；
When the warning index meets the early warning trigger condition, pre-warning signal is initiated for the warning index；
The corresponding client of warning index for initiating pre-warning signal is included in early warning list, so that early warning personnel are from the early warning
Risk client is determined in list.
Wherein, the quantitative warning index includes：The account behavior early warning determined by the accounts information of the client refers to
Mark, the management state warning index determined by the operation information of the client and true by the risk status of honouring an agreement of the client
Fixed risk warning indexes of honouring an agreement；
The scorecard warning index includes：Retail behavior scorecard warning index and non-retail behavior scoring card early warning refer to
Mark, the retail behavior scorecard warning index includes client's basic condition, clearing behavior and overdue behavior, the non-retail firm
Include client's basic condition for scorecard warning index, settle accounts owner's credit card transaction information of behavior, overdue behavior；
The reference warning index includes：Reference information index.
Wherein, the method for prewarning risk also includes：
When receiving the information for the risk client that the early warning personnel determine, produce early warning for each risk client and lead to
Know, so as to be checked after inspection personnel borrows to the risk client for producing pre-alert notification after borrowing；
Receive inspection personnel after the loan and be directed to inspection result after the loan of each risk client typing, so that the early warning people
Member is based on inspection result after the loan and the risk subscribers is classified；
The classification results classified to the risk subscribers are received, based on the classification results to every class risk subscribers point
Class is managed.
Wherein, it is described when the warning index meets the early warning trigger condition, initiate pre- for the warning index
Alert signal, including：
When the warning index meets the early warning trigger condition, based on described warning index agriculture products risk etc.
Level；
It is determined that after the index risk class, initiating pre- comprising the index risk class for the warning index
Alert signal.
Wherein, the warning index also includes：Qualitative warning index；
The method for prewarning risk also includes：
The qualitative warning index of receive information typing personnel's typing；
Receive the pre-warning signal initiated for the qualitative warning index so that after borrowing inspection personnel couple with it is described qualitative pre-
The corresponding client of police's index is verified.
A kind of Risk-warning device, the Risk-warning device includes：Acquisition module, determining module, judge module, early warning
Initiation module and early warning list determining module；
The acquisition module, the loan transaction data for obtaining client from background data base；
The determining module, warning index, the warning index are determined for the loan transaction data by the client
Including quantitative warning index, scorecard warning index and/or reference warning index；
The judge module, for judging whether the warning index meets early warning trigger condition；
The early warning initiation module, for when the warning index meets the early warning trigger condition, for described pre-
Alert index initiates pre-warning signal；
The early warning list determining module, for the corresponding client of warning index for initiating pre-warning signal to be included in into early warning name
It is single, so that early warning personnel determine risk client from the early warning list.
Wherein, the quantitative warning index includes：The account behavior early warning determined by the accounts information of the client refers to
Mark, the management state warning index determined by the operation information of the client and true by the risk status of honouring an agreement of the client
Fixed risk warning indexes of honouring an agreement；
The scorecard warning index includes：Retail behavior scorecard warning index and non-retail behavior scoring card early warning refer to
Mark, the retail behavior scorecard warning index includes client's basic condition, clearing behavior and overdue behavior, the non-retail firm
Include client's basic condition for scorecard warning index, settle accounts owner's credit card transaction information of behavior, overdue behavior；
The reference warning index includes：Reference information index.
Wherein, the Risk-warning device also includes：Pre-alert notification generation module, the first receiving module and second receive mould
Block；
Pre-alert notification generation module, for when receiving the information for the risk client that the early warning personnel determine, for
Each risk client produces pre-alert notification, so as to be examined after inspection personnel borrows to the risk client for producing pre-alert notification after borrowing
Look into；
First receiving module, is tied for receiving inspection personnel after the loan for being checked after the loan of each risk client typing
Really, so that the early warning personnel are based on inspection result after the loan and the risk subscribers are classified；
Second receiving module, for receiving the classification results classified to the risk subscribers, based on the classification knot
Fruit is to every class risk subscribers Classification Management.
Wherein, the early warning initiation module, specifically for when the warning index meets the early warning trigger condition, base
In the warning index agriculture products risk class, it is determined that after the index risk class, being initiated for the warning index
Include the pre-warning signal of the index risk class.
Wherein, the warning index also includes：Qualitative warning index；
The Risk-warning device also includes：3rd receiving module and the 4th receiving module；
3rd receiving module, the qualitative warning index for receive information typing personnel's typing；
4th receiving module, for receiving the pre-warning signal initiated for the qualitative warning index, so that after borrowing
Inspection personnel couple client corresponding with the qualitative warning index verifies.
Above-mentioned technical proposal has the advantages that：
Method for prewarning risk and device that the present invention is provided, can obtain the loan transaction number of client from background data base
According to, and the loan transaction data based on client determine warning index (including quantitative warning index, scorecard warning index and/or
Reference warning index), judge whether warning index meets early warning trigger condition, when warning index meets early warning trigger condition,
Pre-warning signal is initiated for warning index, the corresponding client of warning index for initiating pre-warning signal is included in early warning list, so that
Early warning personnel determine risk client from the early warning list.The method for prewarning risk and device that the application is provided can be based on visitors
The loan transaction data at family determine warning index, and based on warning index automatic early-warning, so that it is determined that go out risk client, without
Inspection personnel carries out one-to-one verification to client after borrowing, and improves the efficiency checked after borrowing, reduces the cost checked after borrowing.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is the accompanying drawing used required in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
The embodiment of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can also basis
The accompanying drawing of offer obtains other accompanying drawings.
Fig. 1 is the schematic flow sheet of method for prewarning risk provided in an embodiment of the present invention；
Fig. 2 is the structural representation of Risk-warning device provided in an embodiment of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
The embodiments of the invention provide a kind of method for prewarning risk, applied to Warning System, referring to Fig. 1, showing
The schematic flow sheet of this method, this method can include：
Step S101：The loan transaction data of client are obtained from background data base.
Step S102：Warning index is determined by the loan transaction data of client.
Wherein, warning index includes quantitative warning index, scorecard warning index and/or reference warning index.
It should be noted that in the present embodiment, can the business characteristic based on client, used for different clients different
Warning index, to unessential warning index without early warning, reduce invalid early warning, improve the specific aim of early warning.
Step S103：Judge whether warning index meets early warning trigger condition.
Step S104：When warning index meets early warning trigger condition, pre-warning signal is initiated for warning index.
In a kind of possible implementation, but warning index is when meeting early warning trigger condition, can be true based on warning index
Determine index risk class, and the early warning letter comprising index risk class is initiated for meeting the warning index of early warning trigger condition
Number.In the present embodiment, different early warning processing schemes and different verification sides can be used for different index risk class
Formula.
Step S105：The corresponding client of warning index for initiating pre-warning signal is included in early warning list, so that early warning personnel
Risk client is determined from early warning list.
The method for prewarning risk that the present invention is provided, can obtain the loan transaction data of client, and base from background data base
Warning index (including quantitative warning index, scorecard warning index and/or reference early warning are determined in the loan transaction data of client
Index), judge whether warning index meets early warning trigger condition, when warning index meets early warning trigger condition, for early warning
Index initiates pre-warning signal, the corresponding client of warning index for initiating pre-warning signal is included in into early warning list, so that early warning personnel
Risk client is determined from early warning list.The application provide method for prewarning risk can the loan transaction data based on client it is true
Determine warning index, and based on warning index automatic early-warning, so that it is determined that going out risk client, without inspection personnel after loan to visitor
Family carries out one-to-one verification, improves the efficiency checked after borrowing, reduces the cost checked after borrowing.
The method for prewarning risk that above-described embodiment is provided can also include：When the risk client for receiving early warning personnel determination
Information when, for each risk client produce pre-alert notification so that borrow after inspection personnel to produce pre-alert notification risk visitor
Family is checked after being borrowed；Receive inspection personnel after borrowing and be directed to inspection result after the loan of each risk client typing, so that early warning people
Member is classified (such as potential risk client, primary part observation client) based on inspection result after borrowing to risk subscribers；Receive to wind
The classification results that dangerous user is classified, based on classification results to every class risk subscribers Classification Management.
In the method for prewarning risk that above-described embodiment is provided, quantitative warning index can include believing by the account of client
The account behavior warning index determined is ceased, the management state warning index determined by the operation information of client, and, pass through visitor
The risk warning indexes of honouring an agreement of the risk status determination of honouring an agreement at family.
Specifically, account behavior warning index includes three Static State Indexes and two dynamic indicators.Wherein, three static state refer to
Mark is respectively " loan-to-deposit ratio ", " cash flow covering " and " whether transaction is static ", and two dynamic indicators are respectively " under the balance of deposits
Ratio drops " and " settlement accounts credit amount rate of change ".Account behavior warning index can be from enterprise and corporate boss monthly account
The static and dynamic situation of change of behavior discloses the risk status of enterprise.
Indefinite in view of small enterprise and the personal boundary on use of funds, property of corporate boss, enterprise's clearing to be passed through
The features such as corporate boss's personal account is carried out, in order to be able to more real reflection enterprise production and management situation, it is determined that account behavior
During warning index, by the depositing of corporate boss, loan account information is also added in business account information and handled.In addition, in view of
Corporate boss spouse and the special relationship of corporate boss, the indefinite feature of its boundary that also likely to be present on property, the present invention are implemented
Example also serves as the depositing of corporate boss spouse, loan account information to determine that the information of account behavior warning index is handled.
It should be noted that corporate boss is defined by " actual controller ", spouse's matching somebody with somebody with " actual controller " of corporate boss
Occasionally it is defined.Name, passport NO. and accounts information are associated together, inquired about by name, passport NO. and get with
Its account information associated, such as deposit, loan, credit card information.That is, the accounts information of corporate boss passes through " actual controller "
Name, passport NO. obtain, accordingly, the surname that the accounts information of " actual controller " spouse passes through " actual controller " spouse
Name, passport NO. are obtained.In addition, the enterprise marketing capital settlement account that enterprise is settled accounts with personal account is also served as to determine account
The information of behavior warning index is handled.
Specifically, management state warning index is the warning index for reflecting enterprise management condition, it can be by enterprise's wealth
Business indication information, with operation information such as water, electricity consumption, tax revenue, wages carry out processing acquisition.Management state warning index is specifically included
" when water consumption per month changing ratio ", " of that month power consumption changing ratio ", " headcount changing ratio ", " employee compensation's total value change
Change ratio ", " client's tax changing ratio ", " main business income over the same period last year rate of change ", " net profit is over the same period last year
Rate of descent ", " accounts receivable has enough to meet the need rate of change over the same period last year " 8 indexs.
Specifically, risk warning indexes of honouring an agreement are to be born by enterprise and corporate boss in the credit standing of bank, enterprise assets
Debt rate situation judges the risk status of honouring an agreement of enterprise.Specifically include ten secondary classifications of enterprise " lower ", " credit card is overdue ",
" the overdue debit interest of personal loan ", " the overdue debit interest of enterprise ", " asset-liability ratio " 5 indexs.
Refer to table 1, show warning index that quantitative warning index included with, early warning rule, index risk class
Etc. information：
Table 1
In the present embodiment, the big data statistics side such as early warning rate, coverage rate, accuracy rate and K-S values, correlation can be passed through
Method, the validity to quantitative warning index carries out verifying analysis one by one, empirical tests analysis, loan-to-deposit ratio, cash flow covering, personal loan
Money is overdue, the overdue 4 quantitative targets early warning effect of credit card is preferable.
In addition, quantitative warning index can also include enterprise's this month AUM values.Real mode is realized one kind is possible, it is fixed
Amount warning index can choose loan-to-deposit ratio, cash flow covering index, single month monthly AUM values index of enterprise, and this three indexs are carried out
Combine early warning.Exemplary, when client's Dan Yue loan-to-deposit ratios<0.005, and of that month enterprise AUM values<50000 yuan, or when client is of that month
Single month loan-to-deposit ratio>=0.005, and the of that month cash flow coverage rate of enterprise<When 0.00001, early warning, now, index risk etc. are triggered
Level is 3 grades.
When carrying out early warning using quantitative warning index, early warning can be carried out using the index shown in table 1 and early warning rule, when
Right the present embodiment is not limited to this, in a kind of preferably implementation, can be using the index shown in table 2 below and early warning rule
Carry out early warning：
Table 2
In the method for prewarning risk that above-described embodiment is provided, behavior scoring card warning index includes：It is sold behavior scoring
Card warning index and non-retail behavior scoring card warning index.
Wherein, retail behavior scorecard warning index is the index determined using behavior scoring snap gauge type, and it covers visitor
Information in terms of family basic condition, clearing behavior, overdue behavior, is specifically included：Assuring mode, registered capital, client's average day
The equal balance of deposits, total Value of Contract, maximum overdue number of days, the maximum overdue number of days of client, maximum overdue number of days be more than 0 number of times,
Stroke count occurs for the newly-increased termination of the contract number, the maximum this month credit side of client closed of client.
Behavior scoring snap gauge type is applied to the credit operation handled using application scorecard.Monthly utilize behavior scoring snap gauge
Type scores credit operation, and the scoring of behavior scoring snap gauge type may include basis point, best result, minimum point, scoring snap gauge
The scoring scope of type be minimum point between best result, i.e., appraisal result minimum point with best result determine scoring in the range of,
When being scored, added deduct on the basis of basis point.Exemplary, the benchmark of behavior scoring card model score is divided into
659 points, highest is divided into 801 points, minimum to be divided into points 567 points.
The mode one-dimensional early warning of early warning is carried out for retail behavior scorecard warning index and intersects early warning, specific early warning
Rule is：
(1) one-dimensional early warning:One is behavior scoring result this month than last month more than lower 20 points (containing)；Two be of that month behavior scoring
It is divided into 1 grade of early warning, 2 grades of early warning, 3 grades of early warning less than early warning value, and according to scoring height, the following table shows a tool of early warning rule
Body example：
Table 3
(2) early warning is intersected：Application scorecard appraisal result intersects progress early warning, pre- police regulations with behavior scoring card appraisal result
It is then as shown in the table：
Table 4
Wherein, application scoring includes scoring and the expert analysis mode of data-driven, and is commented according to data-driven scoring and expert
The intersection result divided, excessive risk, risk and low-risk colony are divided into by application client.
It should be noted that when one-dimensional early warning and intersection early warning early warning simultaneously, taking the warning grade of most serious to carry out early warning.
Exemplary, one-dimensional early warning is 1 grade, and intersects early warning for 3 grades, then the index risk class of customer action scorecard is 3 grades.
Determine that the non-retail behavior scoring snap gauge type of non-retail behavior scoring card warning index is divided into two models.
Model one is applicable customer range：Customer type is enterprise, industry, construction industry, transportation, postal industry, information
Transmit industry, Computer Service and software industry, wholesale business customer capital total value 40,000,000 yuan (containing) to 120,000,000 yuan (containing) it
Between, or client's annual sales revenue 30,000,000 yuan (containing) between 100,000,000 yuan (containing), agriculture, forestry, animal husbandry and fishery, warehousing industry, retail
Industry, accommodation and catering industry, leasing industry, commercial affairs and Sci Tech cadre, geological mapping and water conservancy environmental management industry, neghborhood services industry,
Style entertainment industry and other industry customer capital total value 20,000,000 yuan (containing) between 60,000,000 yuan (containing), or client year sale
Less than 50,000,000 are taken in, and credit total value is more than 5,000,000 yuan of client (except the small-business client of non-retail scorecard).
Model two is applicable customer range：Customer type is enterprise, industry, construction industry, transportation, postal industry, information
Industry, Computer Service and software industry, wholesale business customer capital total value are transmitted below 40,000,000, or annual sales revenue 30000000 with
Under；Agriculture, forestry, animal husbandry and fishery, warehousing industry, retail business, accommodation and catering industry, leasing industry, commercial affairs and Sci Tech cadre, geological mapping and water
Sharp environmental management industry, neghborhood services industry, style entertainment industry and other industry customer capital total value are below 20,000,000, or year sale
Less than 10,000,000 are taken in, and credit total value is more than 5,000,000 yuan of client (except the small-business client of non-retail scorecard).
Non- retail behavior scoring card warning index covers client's basic condition, clearing behavior, owner's letter of overdue behavior
Information in terms of being merchandised with card, is specifically included：The maximum overdue issue of contract value, contract, the maximum overdue issue of client, client tire out
Meter credit side occur stroke count, the average daily remaining sum of client's maximum deposit, the average enchashment remaining sum of one's own profession credit card account for credit line percentage,
The maximum overdue issue of one's own profession credit card, the establishment time limit, industry etc..
The benchmark of the non-scoring of retail behavior scoring snap gauge type one is divided into 638 points, and highest is divided into 723 points, minimum to be divided into 449
Point.The benchmark of the non-scoring of retail behavior scoring snap gauge type two is divided into 641 points, and highest is divided into 731 points, minimum to be divided into 432 points.
Scoring based on non-retail behavior scoring snap gauge type one carries out the regular as shown in table 5 below of early warning：
Table 5
| Behavior scoring is interval | Warning index title | Warning level |
| <=607 | Non- retail behavior scoring card early warning | 3 grades of early warning |
| [608,619] | Non- retail behavior scoring card early warning | 2 grades of early warning |
| [620,632] | Non- retail behavior scoring card early warning | 1 grade of early warning |
| >=633 | Not early warning |
Scoring based on non-retail behavior scoring snap gauge type two carries out the regular as shown in table 6 below of early warning：
Table 6
| Behavior scoring is interval | Warning index title | Warning level |
| <=605 | Non- retail behavior scoring card early warning | 3 grades of early warning |
| [606,619] | Non- retail behavior scoring card early warning | 2 grades of early warning |
| [620,632] | Non- retail behavior scoring card early warning | 1 grade of early warning |
| >=633 | Not early warning |
Based on the contract of non-retail behavior scoring snap gauge type one, two, wherein for initial disposable payment of interest and expiring once
Property also principal and interest contract, its appraisal result and early warning rule are as shown in table 7：
Table 7
The rule of scoring change early warning is as shown in table 8：
Table 8
In the method for prewarning risk that above-described embodiment is provided, reference warning index is disposed including excessive credit, generation, he
Row debit interest, he manage it money advanced for somebody to be paid back later, he manages it, and the duration of an exhibition, contingent liability are high, he manages it and borrow that overdue, he manages it, and credit card is overdue, accurate he manages it credit card
It is overdue, he manage it borrow a compensatory, tax arrear, actionable information, administrative penalty record, he manage it concern, increase external guaranty, external guaranty newly not
It is good, he manage it is bad, he manage it overdue 90 days, he manage it overdue 60 days, law compulsion perform etc. index.Table 9 show reference index with
And the information such as early warning rule：
Table 9
In the method for prewarning risk that above-described embodiment is provided, early warning personnel enter to the data for producing the client of pre-warning signal
Row analysis, determines whether it is risk subscribers, for non-risk subscribers, cancels for pre-warning signal triggering early warning and instructing, to take
Disappear pre-warning signal, and for risk subscribers, initiate risk subscribers and verify request, by customer manager to the further core of risk subscribers
Look into.Customer manager checks after non-at-scene or live loan is carried out to client, verifies result for pre-warning signal typing and triggers risk
After classification application, early warning personnel's login system, check that customer manager is directed to the verification result of risk client, according to verification result pair
Risk subscribers carry out classification of risks, then initiate the examination ＆ verification request to classification of risks, small enterprise center director is to classification of risks
Audited, risk client list is determined after examination ＆ verification, and it is taken appropriate measures be tracked management.
Warning index in above-described embodiment except can include above-mentioned quantitative warning index, scorecard warning index,
Outside reference warning index, qualitative warning index can also be included.
Accordingly, method for prewarning risk also includes：The qualitative warning index of receive information typing personnel's typing；Reception is directed to
The pre-warning signal that qualitative warning index is initiated, so that inspection personnel couple client corresponding with qualitative warning index carries out core after borrowing
Look into.
In the present embodiment, the qualitative pre-warning signal that customer manager actively initiates for qualitative warning index can be received, with
Early warning personnel is examined for the corresponding client of the qualitative warning index and is provided early warning processing scheme, and receive early warning people
The examination ＆ verification for early warning auditing result and early warning processing scheme that member initiates to department manager is asked.Early warning personnel's pin can also be received
The qualitative pre-warning signal initiated qualitative warning index, so that customer manager is carried out for the corresponding client of the qualitative warning index
Examine and early warning processing scheme is provided, and receive customer manager and initiate to handle for early warning auditing result and early warning to department manager
The examination ＆ verification request of scheme.
In the present embodiment, qualitative warning index particular content is as shown in the table：
Table 10
Corresponding with the above method, the embodiment of the present invention additionally provides a kind of Risk-warning device, referring to Fig. 2, showing
The structural representation of the Risk-warning device, the Risk-warning device can include：Acquisition module 201, determining module 202,
Judge module 203, early warning initiation module 204 and early warning list determining module 205.Wherein：
Acquisition module 201, the loan transaction data for obtaining client from background data base.
Determining module 202, warning index, the warning index bag are determined for the loan transaction data by the client
Include quantitative warning index, scorecard warning index and/or reference warning index.
Judge module 203, for judging whether the warning index meets early warning trigger condition.
Early warning initiation module 204, for when the warning index meets the early warning trigger condition, for the early warning
Index initiates pre-warning signal.
Early warning list determining module 205, for the corresponding client of warning index for initiating pre-warning signal to be included in into early warning name
It is single, so that early warning personnel determine risk client from early warning list.
The Risk-warning device that the present invention is provided, can obtain the loan transaction data of client, and base from background data base
Warning index (including quantitative warning index, scorecard warning index and/or reference early warning are determined in the loan transaction data of client
Index), judge whether warning index meets early warning trigger condition, when warning index meets early warning trigger condition, for early warning
Index initiates pre-warning signal, the corresponding client of warning index for initiating pre-warning signal is included in into early warning list, so that early warning personnel
Risk client is determined from early warning list.The application provide Risk-warning device can the loan transaction data based on client it is true
Determine warning index, and based on warning index automatic early-warning, so that it is determined that going out risk client, without inspection personnel after loan to visitor
Family carries out one-to-one verification, improves the efficiency checked after borrowing, reduces the cost checked after borrowing.
In the Risk-warning device that above-described embodiment is provided, quantitative warning index includes：Pass through the account of the client
Account behavior warning index that information is determined, the management state warning index determined by the operation information of the client and pass through
The risk warning indexes of honouring an agreement of the risk status determination of honouring an agreement of the client；Scorecard warning index includes：Pass through behavior scoring
As a result the one-dimensional warning index determined, and, by applying for that the intersection that scorecard appraisal result and behavior scoring result are determined is pre-
Alert index, the behavior scoring result determines that the application scorecard scoring is tied based on behavior scoring snap gauge type set in advance
Fruit is determined by data-driven scoring and expert analysis mode；Reference warning index includes：Reference information index.
The Risk-warning device that above-described embodiment is provided can also include：Pre-alert notification generation module, the first receiving module
With the second receiving module.Wherein：
Pre-alert notification generation module, for when receiving the information for the risk client that the early warning personnel determine, for
Each risk client produces pre-alert notification, so as to be examined after inspection personnel borrows to the risk client for producing pre-alert notification after borrowing
Look into.
First receiving module, is tied for receiving inspection personnel after the loan for being checked after the loan of each risk client typing
Really, so that the early warning personnel are based on inspection result after the loan and the risk subscribers are classified.
Second receiving module, for receiving the classification results classified to the risk subscribers, based on the classification knot
Fruit is to every class risk subscribers Classification Management.
In the Risk-warning device that above-described embodiment is provided, early warning initiation module, specifically for meeting pre- when warning index
During alert trigger condition, based on warning index agriculture products risk class, after agriculture products risk class, sent out for warning index
Act the pre-warning signal for including the index risk class.
In the Risk-warning device that above-described embodiment is provided, warning index also includes：Qualitative warning index；
Risk-warning device also includes：3rd receiving module and the 4th receiving module；
3rd receiving module, the qualitative warning index for receive information typing personnel's typing；
4th receiving module, for receiving the pre-warning signal initiated for the qualitative warning index, so as to be checked after borrowing
Personnel couple client corresponding with the qualitative warning index verifies.
The embodiment of each in this specification is described by the way of progressive, and what each embodiment was stressed is and other
Between the difference of embodiment, each embodiment identical similar portion mutually referring to.
, can be with several embodiments provided herein, it should be understood that disclosed method, device and equipment
Realize by another way.For example, device embodiment described above is only schematical, for example, the unit
Divide, only a kind of division of logic function there can be other dividing mode when actually realizing, such as multiple units or component
Another system can be combined or be desirably integrated into, or some features can be ignored, or do not perform.It is another, it is shown or
The coupling each other discussed or direct-coupling or communication connection can be by some communication interfaces, between device or unit
Connect coupling or communicate to connect, can be electrical, machinery or other forms.
The unit illustrated as separating component can be or may not be it is physically separate, it is aobvious as unit
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize the mesh of this embodiment scheme according to the actual needs
's.In addition, each functional unit in each embodiment of the invention can be integrated in a processing unit or each
Unit is individually physically present, can also two or more units it is integrated in a unit.
If the function is realized using in the form of SFU software functional unit and is used as independent production marketing or in use, can be with
It is stored in a computer read/write memory medium.Understood based on such, technical scheme is substantially in other words
The part contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter
Calculation machine software product is stored in a storage medium, including some instructions are to cause a computer equipment (can be individual
People's computer, server, or network equipment etc.) perform all or part of step of each of the invention embodiment methods described.
And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), arbitrary access are deposited
Reservoir (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.
The foregoing description of the disclosed embodiments, enables professional and technical personnel in the field to realize or using the present invention.
A variety of modifications to these embodiments will be apparent for those skilled in the art, defined herein
General Principle can realize in other embodiments without departing from the spirit or scope of the present invention.Therefore, this hair
It is bright to be not intended to be limited to the embodiments shown herein, and be to fit to and principles disclosed herein and features of novelty phase
Consistent most wide scope.
Claims (10)
1. a kind of method for prewarning risk, it is characterised in that the method for prewarning risk includes：
The loan transaction data of client are obtained from background data base；
Warning index is determined by the loan transaction data of the client, the warning index includes quantitative warning index, scoring
Card warning index and/or reference warning index；
Judge whether the warning index meets early warning trigger condition；
When the warning index meets the early warning trigger condition, pre-warning signal is initiated for the warning index；
The corresponding client of warning index for initiating pre-warning signal is included in early warning list, so that early warning personnel are from the early warning list
In determine risk client.
2. method for prewarning risk according to claim 1, it is characterised in that the quantitative warning index includes：By institute
The management state for state account behavior warning index that the accounts information of client determines, determining by the operation information of the client is pre-
Alert index and the risk warning indexes of honouring an agreement for the risk status determination of honouring an agreement for passing through the client；
The scorecard warning index includes：Retail behavior scorecard warning index and non-retail behavior scoring card warning index,
The retail behavior scorecard warning index includes client's basic condition, clearing behavior and overdue behavior, the non-retail behavior
Scorecard warning index includes client's basic condition, clearing behavior, owner's credit card transaction information of overdue behavior；
The reference warning index includes：Reference information index.
3. method for prewarning risk according to claim 1 or 2, it is characterised in that the method for prewarning risk also includes：
When receiving the information for the risk client that the early warning personnel determine, pre-alert notification is produced for each risk client,
So as to be checked after inspection personnel borrows to the risk client for producing pre-alert notification after borrowing；
Receive inspection personnel after the loan and be directed to inspection result after the loan of each risk client typing, so that the early warning personnel base
The risk subscribers are classified in inspection result after the loan；
The classification results classified to the risk subscribers are received, every class risk subscribers are classified based on the classification results and managed
Reason.
4. method for prewarning risk according to claim 1, it is characterised in that described when the warning index meets described pre-
During alert trigger condition, pre-warning signal is initiated for the warning index, including：
When the warning index meets the early warning trigger condition, based on the warning index agriculture products risk class；
It is determined that after the index risk class, initiating the early warning comprising the index risk class for the warning index and believing
Number.
5. method for prewarning risk according to claim 1, it is characterised in that the warning index also includes：Qualitative early warning
Index；
The method for prewarning risk also includes：
The qualitative warning index of receive information typing personnel's typing；
The pre-warning signal initiated for the qualitative warning index is received, so that inspection personnel couple refers to the qualitative early warning after borrowing
Corresponding client is marked to be verified.
6. a kind of Risk-warning device, it is characterised in that the Risk-warning device includes：Acquisition module, determining module, judgement
Module, early warning initiation module and early warning list determining module；
The acquisition module, the loan transaction data for obtaining client from background data base；
The determining module, warning index is determined for the loan transaction data by the client, and the warning index includes
Quantitative warning index, scorecard warning index and/or reference warning index；
The judge module, for judging whether the warning index meets early warning trigger condition；
The early warning initiation module, for when the warning index meets the early warning trigger condition, referring to for the early warning
Mark initiates pre-warning signal；
The early warning list determining module, for the corresponding client of warning index for initiating pre-warning signal to be included in into early warning list,
So that early warning personnel determine risk client from the early warning list.
7. Risk-warning device according to claim 6, it is characterised in that the quantitative warning index includes：By institute
The management state for state account behavior warning index that the accounts information of client determines, determining by the operation information of the client is pre-
Alert index and the risk warning indexes of honouring an agreement for the risk status determination of honouring an agreement for passing through the client；
The scorecard warning index includes：Retail behavior scorecard warning index and non-retail behavior scoring card warning index,
The retail behavior scorecard warning index includes client's basic condition, clearing behavior and overdue behavior, the non-retail behavior
Scorecard warning index includes client's basic condition, clearing behavior, owner's credit card transaction information of overdue behavior；
The reference warning index includes：Reference information index.
8. the Risk-warning device according to claim 6 or 7, it is characterised in that the Risk-warning device also includes：In advance
It is alert to notify generation module, the first receiving module and the second receiving module；
Pre-alert notification generation module, for when receiving the information for the risk client that the early warning personnel determine, for each
Risk client produces pre-alert notification, so as to be checked after inspection personnel borrows to the risk client for producing pre-alert notification after borrowing；
First receiving module, inspection result after the loan of each risk client typing is directed to for receiving inspection personnel after the loan,
So that the early warning personnel are based on inspection result after the loan and the risk subscribers are classified；
Second receiving module, for receiving the classification results classified to the risk subscribers, based on the classification results pair
Per class risk subscribers Classification Management.
9. Risk-warning device according to claim 6, it is characterised in that the early warning initiation module, specifically for working as
When the warning index meets the early warning trigger condition, based on the warning index agriculture products risk class, it is determined that institute
State after index risk class, the pre-warning signal for initiating to include the index risk class for the warning index.
10. Risk-warning device according to claim 6, it is characterised in that the warning index also includes：Qualitative early warning
Index；
The Risk-warning device also includes：3rd receiving module and the 4th receiving module；
3rd receiving module, the qualitative warning index for receive information typing personnel's typing；
4th receiving module, for receiving the pre-warning signal initiated for the qualitative warning index, so as to be checked after borrowing
Personnel couple client corresponding with the qualitative warning index verifies.
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| CN201611263923.1A CN107169860A (en) | 2016-12-30 | 2016-12-30 | A kind of method for prewarning risk and device |
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|---|---|---|---|
| CN201611263923.1A CN107169860A (en) | 2016-12-30 | 2016-12-30 | A kind of method for prewarning risk and device |
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| CN107886430A (en) * | 2017-11-29 | 2018-04-06 | 南京甄视智能科技有限公司 | Risk control method and system after loan |
| CN108122163A (en) * | 2017-11-14 | 2018-06-05 | 阿里巴巴集团控股有限公司 | Risk monitoring and control method, apparatus and equipment based on internet credit |
| CN108230143A (en) * | 2018-02-05 | 2018-06-29 | 深圳微众税银信息服务有限公司 | Data report generation method and system after a kind of loan |
| CN108520318A (en) * | 2018-04-02 | 2018-09-11 | 深圳前海桔子信息技术有限公司 | A kind of method for safety monitoring, device, server and storage medium |
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| CN111414376A (en) * | 2020-03-02 | 2020-07-14 | 中国建设银行股份有限公司 | Data early warning method and device |
| CN111523793A (en) * | 2020-04-21 | 2020-08-11 | 北京易点淘网络技术有限公司 | Risk monitoring and early warning method and system in credit lease service |
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| CN107886430A (en) * | 2017-11-29 | 2018-04-06 | 南京甄视智能科技有限公司 | Risk control method and system after loan |
| CN108230143A (en) * | 2018-02-05 | 2018-06-29 | 深圳微众税银信息服务有限公司 | Data report generation method and system after a kind of loan |
| TWI682344B (en) * | 2018-03-28 | 2020-01-11 | 兆豐國際商業銀行股份有限公司 | Post-loan management system for housing loans |
| CN108520318A (en) * | 2018-04-02 | 2018-09-11 | 深圳前海桔子信息技术有限公司 | A kind of method for safety monitoring, device, server and storage medium |
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| CN110533521B (en) * | 2019-06-21 | 2023-05-02 | 深圳前海微众银行股份有限公司 | Dynamic post-credit early warning method, device, equipment and readable storage medium |
| CN110956385A (en) * | 2019-11-26 | 2020-04-03 | 北京明略软件***有限公司 | Commercial bank public warning method, device, system and storage medium |
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| CN113516547B (en) * | 2021-04-23 | 2023-10-03 | 武汉赢联数据技术股份有限公司 | Voice broadcast type hierarchical credit card customer risk early warning system |
| CN113095931A (en) * | 2021-04-25 | 2021-07-09 | 国家电网有限公司 | Post-loan risk monitoring method and device and computer equipment |
| CN113724074A (en) * | 2021-09-14 | 2021-11-30 | 中国银行股份有限公司 | Credit credit risk early warning method and device |
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