CN110555759A

CN110555759A - Credit item-based risk prevention and control method and device

Info

Publication number: CN110555759A
Application number: CN201910703148.4A
Authority: CN
Inventors: 李�杰
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-07-31
Filing date: 2019-07-31
Publication date: 2019-12-10

Abstract

The application provides a risk prevention and control method and device based on a credit project, wherein the risk prevention and control method based on the credit project comprises the following steps: collecting item participation information of credit users participating in historical credit items; classifying the project participation information according to risk dimensions to obtain project information under each risk dimension; performing risk assessment on the credit user in each risk dimension according to the project information to obtain a risk assessment result of each risk dimension; and if at least one risk assessment result is higher than the risk prevention and control threshold value of the corresponding risk dimension, adding the credit user into a risk user list as a risk user. In the risk prevention and control method based on the credit project, the credit user can be further promoted to perform actively by performing risk prevention and control processing on the credit user, so that the risk of loss of the credit project participant is reduced.

Description

credit item-based risk prevention and control method and device

Technical Field

The application relates to the technical field of credit information management, in particular to a risk prevention and control method based on a credit project. The application also relates to a risk prevention and control device based on the credit project, a computing device and a computer readable storage medium.

Background

With the development of internet technology, various credit services are more and more, a user can loan, rent a car or rent things according to credit to obtain a lot of services, and the user only needs to accord with the current credit and enjoy the lease right in the lease process, so that the needed articles can be leased.

in the prior art, after a user rents a needed article, a merchant or a platform renting the article loses monitoring of the user, and when the term of returning the article is reached, the behavior of returning the user by the merchant or the platform renting the article is unknown, and whether the user can perform a contract is risky.

However, the risk assessment of the user before the merchant renting the article or the platform rents the article is a scheme for predicting the future performance of the user, which can only provide reference for the merchant or the platform, the performance of the user renting the article can only determine the default probability/performance probability of the user according to the risk assessment result, the performance of the user finally returning the article is still undirected, and no good solution in the prior art is available for promoting the performance of the user.

disclosure of Invention

in view of this, the embodiment of the present application provides a risk prevention and control method based on a credit project. The application also relates to a risk prevention and control device based on the credit project, a computing device and a computer readable storage medium, which are used for solving the technical defects in the prior art.

According to a first aspect of the embodiments of the present application, there is provided a risk prevention and control method based on credit projects, including:

collecting item participation information of credit users participating in historical credit items;

classifying the project participation information according to risk dimensions to obtain project information under each risk dimension;

performing risk assessment on the credit user in each risk dimension according to the project information to obtain a risk assessment result of each risk dimension;

And if at least one risk assessment result is higher than the risk prevention and control threshold value of the corresponding risk dimension, adding the credit user into a risk user list as a risk user.

optionally, the risk users in the risk user list have a risk prevention and control period;

correspondingly, if a first participation request submitted by the risk user to participate in a first credit item is received in the risk prevention and control period, whether the first credit item which is carried by the first participation request and is applied for participation by the risk user is a public service item is judged;

And if so, carrying out the offer processing on the first participation request.

optionally, the determining whether the first credit item requested to participate by the risky user carried in the first participation request is a public interest item, and before executing the step of handling the first participation request, further includes:

judging whether the attribute information of the risk user meets the admission condition of the first credit item;

if yes, executing the step of processing the first participation request in an offer mode.

Optionally, if the determination result of the step of determining whether the first credit item applied for participation by the risky user carried by the first participation request is a public interest item is negative, the following steps are performed:

Sending a payment deposit request to the at-risk user for the first credit item;

determining the risky user as a project member of the first credit project if the risky user pays a deposit.

Correspondingly, if at least one risk assessment result is higher than the risk prevention and control threshold of the corresponding risk dimension, after the step of adding the credit user as a risk user into the risk user list is executed, the method further includes:

Determining a risk level corresponding to the risk evaluation result of the risk user according to a pre-established corresponding relation table of the risk evaluation result and the risk level;

determining a prohibited credit item type corresponding to the risk level in a pre-established corresponding relation table of the risk level and the prohibited credit item type based on the risk level corresponding to the risk evaluation result, and creating a prohibited credit item type set;

If a second participation request submitted by the risk user for participating in a second credit item is received in the risk prevention and control period, judging whether the item type of the second credit item, which is carried by the second participation request and applied for participation by the risk user, exists in the credit item prohibited type set or not;

And if not, performing the offer processing on the second participation request.

Optionally, if at least one risk assessment result is higher than the risk prevention and control threshold of the corresponding risk dimension, after the step of adding the credit user as a risk user into the risk user list is executed, the method further includes:

Acquiring participation information of credit projects participated by the risk users in the risk prevention and control period;

Classifying the participation information according to the risk dimensions to obtain credit item information under each risk dimension;

performing risk assessment on the risk user in each risk dimension according to the credit item information to obtain prevention and control risk assessment results of each risk dimension;

And under the condition that the prevention and control risk evaluation result of each risk dimension is lower than the risk prevention and control threshold of the corresponding risk dimension, removing the risk user from the risk user list, and changing the risk user into a credit user.

optionally, if the risk dimension is a default dimension, performing risk assessment on the credit user in each risk dimension according to the item information, and obtaining a risk assessment result of each risk dimension, where the risk assessment result includes:

Determining the participation number of the credit user in the historical credit item and the default number of the default of the historical credit item through item information corresponding to the default dimension;

and calculating the default rate of the credit users in the default dimension based on the participation number and the default number, and taking the default rate as the risk assessment result.

Optionally, if the risk dimension is a behavior dimension, performing risk assessment on the credit user in each risk dimension according to the item information, and obtaining a risk assessment result of each risk dimension, where the risk assessment result includes:

determining default behavior information of the credit user and a default behavior type corresponding to the default behavior information through item information corresponding to the behavior dimension;

and calculating the default behavior score of the credit user in the behavior dimension based on the behavior score of the default behavior type and the default behavior information, and taking the default behavior score as the risk assessment result.

Optionally, if the risk dimension is a term dimension, performing risk assessment on the credit user in each risk dimension according to the item information, and obtaining a risk assessment result of each risk dimension, where the risk assessment result includes:

determining an engagement time of the credit user in the historical credit item and an overdue time of the engagement in the historical credit item through item information corresponding to the deadline dimension;

And calculating an overdue parameter of the credit user in the deadline dimension based on the participation time and the overdue time, and taking the overdue parameter as the risk assessment result.

optionally, if the risk dimension is a dimension of an item target, performing risk assessment on the credit user in each risk dimension according to the item information to obtain a risk assessment result of each risk dimension, including:

Determining the amount of an item target participating in the historical credit item by the credit user and the amount of a fulfillment objective fulfilling the historical credit item through item information corresponding to the dimension of the item target;

and calculating the amount of the default bidding target of the credit user in the dimension of the item target based on the amount of the item target and the amount of the performance bidding target, and taking the amount of the default bidding target as the risk assessment result.

According to a second aspect of the embodiments of the present application, there is provided a risk prevention and control device based on credit terms, including:

A collection item participation information module configured to collect item participation information of credit users participating in historical credit items;

The information classification module is configured to classify the project participation information according to risk dimensions to obtain project information under each risk dimension;

The risk assessment module is configured to perform risk assessment on the credit user in each risk dimension respectively according to the project information to obtain a risk assessment result of each risk dimension;

And the adding list module is configured to add the credit user as a risk user into the risk user list if at least one risk assessment result is higher than a risk prevention and control threshold of the corresponding risk dimension.

optionally, if the risk dimension is a default dimension, the risk assessment module includes:

a first determination unit configured to determine a participation number of the credit user in the historical credit item and a default number of the default on the historical credit item through item information corresponding to the default dimension;

a default rate calculating unit configured to calculate a default rate of the credit user in the default dimension based on the participation number and the default number, and take the default rate as the risk assessment result.

optionally, if the risk dimension is a behavior dimension, the risk assessment module includes:

A second determining unit configured to determine default behavior information of the credit user and a default behavior type corresponding to the default behavior information through item information corresponding to the behavior dimension;

And the default behavior score calculating unit is configured to calculate the default behavior score of the credit user in the behavior dimension based on the behavior score of the default behavior type and the default behavior information, and take the default behavior score as the risk assessment result.

optionally, if the risk dimension is a term dimension, the risk assessment module includes:

a third determination unit configured to determine an engagement time of the credit user in the historical credit item and an overdue time of the engagement in the historical credit item through item information corresponding to the deadline dimension;

a calculate overdue parameter unit configured to calculate an overdue parameter of the credit user in the deadline dimension based on the participation time and the overdue time, the overdue parameter being the risk assessment result.

optionally, if the risk dimension is a dimension of a project target, the risk assessment module includes:

A fourth determination unit configured to determine an amount of an item target of the credit user participating in the historical credit item and an amount of a performance mark performing on the historical credit item through item information corresponding to a dimension of the item target;

and the unit for calculating the amount of the default bidding target is configured to calculate the amount of the default bidding target of the credit user in the dimension of the item target on the basis of the amount of the item target and the amount of the performing bidding target, and the amount of the default bidding target is used as the risk assessment result.

According to a third aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:

according to a fourth aspect of embodiments of the present application, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement any one of the steps of the credit item-based risk prevention and control method.

According to the risk prevention and control method based on the credit project, project participation information of credit users participating in historical credit projects is collected; classifying the project participation information according to risk dimensions to obtain project information under each risk dimension; performing risk assessment on the credit user in each risk dimension according to the project information to obtain a risk assessment result of each risk dimension; and if at least one risk assessment result is higher than the risk prevention and control threshold value of the corresponding risk dimension, adding the credit user into a risk user list as a risk user.

in the risk prevention and control method based on the credit project, after the credit user joins the credit project, the risk evaluation is carried out on the credit user, further, the default behavior of the credit user is avoided, in the process of risk prevention and control, the project participation information of the credit user participating in the historical credit project is collected, the project information of the credit user in different dimensions is determined according to the project participation information, the risk evaluation result of the credit user in different dimensions can be determined based on the project information, if the risk of the risk evaluation result of the credit user in at least one dimension is higher, the credit user is determined as the risk user, so that the risk evaluation can be carried out on the credit user in the executing process after the credit user joins the credit project, and further, the risk prevention and control can be carried out on the credit user according to the risk evaluation result, thereby achieving the constraint of performing the contract of the credit user and further promoting the positive performance of the credit user, thereby reducing the risk of loss of the participants of the credit project.

Drawings

FIG. 1 is a flowchart of a risk prevention and control method based on credit projects according to an embodiment of the present application;

FIG. 2 is a flowchart of a risk prevention and control process applied to a credit borrowing project according to an embodiment of the present application;

fig. 3 is a schematic structural diagram of a risk prevention and control device based on credit projects according to an embodiment of the present application;

Fig. 4 is a block diagram of a computing device according to an embodiment of the present application.

Detailed Description

in the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. This application is capable of implementation in many different ways than those herein set forth and of similar import by those skilled in the art without departing from the spirit of this application and is therefore not limited to the specific implementations disclosed below.

The terminology used in the one or more embodiments of the present application is for the purpose of describing particular embodiments only and is not intended to be limiting of the one or more embodiments of the present application. As used in one or more embodiments of the present application and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present application refers to and encompasses any and all possible combinations of one or more of the associated listed items.

it will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments of the present application to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first aspect may be termed a second aspect, and, similarly, a second aspect may be termed a first aspect, without departing from the scope of one or more embodiments of the present application. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

First, the noun terms to which one or more embodiments of the present invention relate are explained.

and (3) credit contract: the method is characterized in that two or more parties agree on the use of a certain service based on credit, namely, the two or more parties achieve 'authority', 'responsibility' and 'interest', and each party achieving the agreement reserves an agreed agreement datum; for example, a consensus of book borrowing and returning based on credit is achieved between the library and the users, a consensus of a plurality of users on participation in a public welfare project under the credit constraint is achieved, or a consensus of money borrowing and returning or article borrowing and returning is achieved between the users on the premise that credit is used as a mortgage;

Wherein, the 'right' defines the right enjoyed by one party, and can also be understood as the action that the other party needs to perform, such as returning borrowed books, participating in the offered public service items, returning borrowed money or borrowed articles, etc. according to the appointed mode;

"liability" defines the liability of the breach that the breaching party needs to undertake, such as recording the breach incident in the breach party's credit, reducing the breach party's credit score, or making fines to the breach party, etc.;

the "profit" defines the benefit or reward that the performing party can obtain, for example, the user who successfully returns the borrowed book will raise his/her credit score through this credit book borrowing behavior, the user who successfully participates in the public good item by agreement can obtain a credit-based reward, the user who successfully returns the borrowed money or the borrowed article can obtain the amount of the defaulting party's payment, etc.

the present application provides a risk prevention and control method based on credit project, and the present application also relates to a risk prevention and control device based on credit project, a computing device, and a computer readable storage medium, which are described in detail in the following embodiments one by one.

Fig. 1 shows a flowchart of a risk prevention and control method based on credit terms according to an embodiment of the present application, which includes steps 102 to 108.

step 102: item participation information is collected for participation of credit users in historical credit terms.

in an embodiment of the application, the credit item refers to an item in which a plurality of parties obtaining the service are bound by carrying out mortgage on credit to obtain the service and punishing or rewarding the credit of the plurality of parties obtaining the service; for example, the credit item may be a credit loan item, a credit public interest item, or a credit rental item. The historical credit terms are similar to the credit terms, and specifically refer to the credit terms in which the credit user has participated in completion or is participating.

In the credit book borrowing project, a library rents a book to a user based on own credit, the user borrows the book to the library based on own credit, in the process of renting and borrowing the book, the library and the user can use part of the credit of the library and the user as mortgage, the part of the credit is embodied in the form of credit points in a credit account, the two parties can obtain rewards when performing, default conditions can be punished when the two parties perform, and the project established based on the credit mechanism is the credit book borrowing project;

in the credit public service project, users agree to do public service with each other, in the public service process, two parties take equivalent credit as mortgage to carry out public service activities together, if any one party or two parties finish the public service within the regulation, the party or two parties can obtain reward because of having already performed the contract, if the party or two parties do not finish the public service within the regulation, the party or two parties can obtain punishment because of default, and the project established based on the credit mechanism is the credit public service project;

the credit public service item can be a public service item such as a credit public service tree planting item, a credit public service donation item or a credit public service protection animal item.

here, the credit user refers to a user participating in the historical credit item, and if the participation of the credit user in the historical credit item is successful and the participation condition of the historical credit item is met, the credit user is determined as an offeror of the historical credit item, and one of the offerors initiating the historical credit item is determined as an offeror.

based on this, in a credit rental project, a credit user is a party needing renting, the credit user rents an article on the party renting the article by mortgaging the credit of the credit user (credit points in a credit account), a merchant selects the article rented to the credit user according to the credit mortgaged by the credit user, a platform bearing the credit account can restrict the performance of the credit user, the credit user is promoted to execute the performance, the loss of the party renting the article is avoided, the credit platform can regularly perform risk assessment on the credit user, and the risk prevention and control on the credit user is realized through a risk assessment result.

Here, the method for risk prevention and control based on credit projects will be described by taking a credit user as a rented user in a credit rental project as an example. Based on this, in the process that the user rents the needed articles through credit, the merchant can determine whether to rent the articles to the user according to the credit of the user, and the user can also determine whether to rent the articles at the place according to the credit of the merchant, and in the process that the user or the merchant judges whether to rent/rent the articles, namely in the process of risk assessment, the situation that the two parties default can be avoided, so that the risk prevention and control on the credit items are important in the process of participating in the credit items.

In the risk prevention and control method based on the credit project, in order to avoid the default behavior of the credit project participation of the credit user and promote the positive performance behavior of the credit user, the credit user is subjected to risk assessment after the credit user joins the credit project, the project participation information of the credit user participating in the historical credit project is collected, the project information of the credit user in different dimensions is determined according to the project participation information, the risk assessment of the credit user in different dimensions can be determined based on the project information, if the risk of the credit user in at least one dimension is higher, the credit user is determined as a risk user, and the risk assessment of the credit user can be performed in the execution process after the credit user joins the credit project, and further performing risk prevention and control on the credit user according to a risk assessment result, so as to achieve the purpose of performing a performance action on the credit user, further promote the credit user to perform actively, and further reduce the risk of loss of the participation party of the credit project.

in specific implementation, the item participation information specifically refers to information of the credit user in the process of participating in the historical credit item, for example, if the historical credit item is a credit book borrowing item, the item participation information in the credit book borrowing item is the book borrowing number, book borrowing deadline, book returning number and book returning time of the book borrowing user; or the historical credit is a credit public service tree planting item, and the item participation information in the credit public service tree planting item is the tree planting number, the tree planting time and the tree planting efficiency; the item participation information is information generated by the credit user participating in the historical credit item, and the item participation information corresponding to different historical credit items is different, in the process of risk prevention and control of the credit item, the item participation information needs to be collected based on the item type of the historical credit item when the credit user is subjected to risk assessment, and the specifically collected item participation information is not limited in the application.

Step 104: and classifying the project participation information according to risk dimensions to obtain project information under each risk dimension.

specifically, on the basis of the above-mentioned collection of the project participation information of the historical credit project, further, all risk dimensions included in the project participation information are determined, the project participation information is classified through the risk dimensions, and the project information of each risk dimension is obtained;

wherein, the risk dimensions can be a term dimension, a behavior dimension, a term target dimension and a default dimension, and different risk dimensions can obtain different item information, for example, in the term dimension, the item information about time period in all historical credit items participated by the credit user can be obtained; in the action dimension, item information about the number of performances/default parameters in all historical credit items participated by the credit user is obtained;

Based on this, under the condition that the credit user participates in a plurality of historical credit projects through the credit account, project information of the credit user participating in the historical credit projects can be integrated according to the risk dimension, and the application of the risk evaluation process of the credit user in the follow-up process is facilitated.

for example, a credit user participates in a credit book borrowing project, a credit public welfare tree planting project and a credit vehicle borrowing project through a credit account, the book borrowing period in the credit book borrowing project is 30 days, the book borrowing number is 5 books, the credit user returns the book to 5 books, the tree planting time in the credit public welfare tree planting project is 4 hours, the tree planting number is 5 trees, the tree planting task is completed, the vehicle borrowing time in the credit vehicle borrowing project is 24 hours, the vehicle borrowing number is 1, the vehicle returning exceeds 4 hours, the risk dimension comprises a period dimension, a behavior dimension and a default dimension, and the project information in the period dimension can be determined based on the description contents, wherein the project information in the period dimension comprises: the borrowing period is 30 days, the tree planting time is 4 hours, the borrowing time is 24 hours, and the item information of the behavior dimension comprises the following steps: returning to the book 5, the number of trees planted is 5, and the number of trees returned to the car is 1, and the item information of default dimensionality comprises: and returning the car after 4 hours of timeout.

in a specific implementation, in the process of performing risk assessment on the credit user, the risk dimension may be determined according to project participation information of a historical credit project in which the credit user participates, and the project participation information is determined based on different historical credit projects, so that the risk dimension may be determined according to an actual application scenario, which is not limited herein.

step 106: and respectively carrying out risk assessment on the credit user in each risk dimension according to the project information to obtain a risk assessment result of each risk dimension.

specifically, on the basis of obtaining the project information of each risk dimension after classifying the project participation information according to the risk dimension, further, performing risk assessment on the credit user in each risk dimension according to the project information, predicting dimension default parameters/dimension performance parameters of the credit user in different risk dimensions, and determining a risk assessment result of each risk dimension according to the dimension default parameters/dimension performance parameters; the dimension default parameter/dimension performance parameter specifically refers to default probability/performance probability or default times/performance times of the credit user in each risk dimension.

In practical applications, the risk assessment results of each risk dimension are still described by taking the credit book borrowing item, the credit public welfare tree planting item and the credit vehicle borrowing item, which are participated in by the credit user through a credit account, as an example, wherein the item information of the term dimension includes: the borrowing period is 30 days, the tree planting time is 4 hours, the borrowing time is 24 hours, and the item information of the behavior dimension comprises the following steps: returning to the book 5, the number of trees planted is 5, and the number of trees returned to the car is 1, and the item information of default dimensionality comprises: and returning the vehicle after 4 hours, and determining that the default probability of the risk assessment result of the credit user in the deadline dimension is 0%, the default probability of the risk assessment result in the behavior dimension is 0%, and the default probability of the risk assessment result in the default dimension is 33% according to the description.

in specific implementation, the risk assessment result reflects the risk condition of the credit user participating in the historical credit project in each risk dimension, and can be used for predicting the performance or default behavior of the user participating in the credit project in the future.

On the basis of the above determining the item information of each risk dimension, further, in one or more embodiments of this embodiment, if each risk dimension includes a default dimension, the risk assessment needs to be performed on the default dimension of the credit user according to the item information of the default dimension, and a risk assessment result of the credit user in the default dimension is obtained, where a specific implementation manner is as follows:

specifically, under the condition that the default dimension carries out risk assessment on the credit user, determining the participation number of the credit user in the historical credit item through the item information of the default dimension, wherein the participation number specifically refers to the number of the historical credit items in which the credit user participates in a set time period, and determining the default number of the default of the credit user on the historical credit item, and the default number specifically refers to the number of the default of the credit user on the historical credit item in the set time period; wherein the time to determine the number of participation in the historical credit item and the number of breaches to the historical credit item breach is the same;

based on the above, by calculating the ratio of the default number and the participation number, taking the ratio result as the default rate of the credit user in the default dimension, and determining the default rate as the risk assessment result of the credit user in the default dimension.

For example, the user a participates in 5 credit items through the credit account, determines the credit items and the vehicle borrowing items of the default credit items of the user a through the item information of the 5 credit items in the default dimension, determines the default rate of the user a in the default dimension as (1/5) × 100% ═ 20% and the performance rate as 80% through calculation, and determines the risk assessment result of the user a in the default dimension as the default rate of 20% and the performance rate as 80%.

on the basis of determining the item information of each risk dimension, further, in one or more embodiments of this embodiment, if each risk dimension includes a behavior dimension, risk assessment needs to be performed on the credit user in the behavior dimension according to the item information of the behavior dimension, so as to obtain a risk assessment result of the credit user in the behavior dimension, where a specific implementation manner is as follows:

Specifically, when the behavioral dimension carries out risk assessment on the credit user, the default behavior information of the credit user participating in the historical credit item is determined through the item information of the behavioral dimension, the default behavior information specifically refers to the number of times of default of the historical credit item that the credit user has participated in within a set time period, and meanwhile, the default behavior type corresponding to the default behavior information is determined, the default behavior type specifically refers to the default behavior types divided according to the item types of different credit items, and when the historical credit item is defaulted, the default behavior type to which the default behavior belongs is determined according to the item type of the historical credit item; for example, if the user participates in a credit borrowing project and a default behavior occurs, if the user exceeds 5 days for book return, the default behavior information is the default 5 days for book return, and the default behavior type corresponding to the default behavior information is the type of book return exceeding the period;

based on this, determining the behavior score of the default behavior type, wherein the behavior score specifically refers to that different default behavior types correspond to different behavior scores, and the behavior score can be understood as a score set by the default behavior type according to a weight, for example, the default behavior type includes a refund type and a refund type, the refund type is important relative to the user, and the refund type is lower than the refund type relative to the user, then the behavior score set by the refund type can be higher than the behavior score of the refund type;

and calculating the default behavior score of the credit user in the behavior dimension through the behavior score of the default behavior type and the default behavior information, and determining the default behavior score as the risk assessment result of the credit user in the behavior dimension. In the process of determining the risk assessment result of the credit user according to the default behavior score, a default behavior score threshold is set for a credit platform for performing risk assessment on the credit user, the default behavior score threshold is compared with the default behavior score to determine the default risk and the performance risk of the credit user, the risk assessment result of the credit user in the behavior dimension is finally determined, the default behavior score threshold can be set according to an actual application scenario, and the application is not limited in any way.

For example, the user B participates in 100 credit items through the credit account, determines the number of times that the default credit item of the user B has the running credit public interest item is 2 times by determining the item information of the 100 credit items, and the number of default credit loan items is 3, the default behavior type of the user B default credit public service running items belongs to the unfinished task type, the default behavior type of the user B default credit loan items belongs to the unfinished money type, the behavior score of the unfinished task type is set to be 0.3 by a credit platform bearing a credit account, the behavior score of the unfinished money type is set to be 0.5, it is determined by calculation that the default behavior score of the unfinished task type of the user B is 0.3 × 2 to 0.6 points, the default behavior score of the unfinished money type is 0.5 × 3 to 1.5 points, then it is determined that the default behavior score of user B is 1.5+ 0.6-2.1, and the risk assessment result of user B in the behavioral dimension may be determined as the default behavior score of 2.1.

On the basis of determining the item information of each risk dimension, further, in one or more embodiments of this embodiment, if each risk dimension includes a term dimension, risk assessment needs to be performed on the credit user in the term dimension according to the item information of the term dimension, so as to obtain a risk assessment result of the credit user in the term dimension, where a specific implementation manner is as follows:

specifically, under the condition that the deadline dimension carries out risk assessment on the credit user, determining the participation time of the credit user in the historical credit item through item information of the deadline dimension, wherein the participation time specifically refers to the total time of the credit user in the historical credit item, and determining the overdue time of the credit user in the historical credit overdue, and the overdue time specifically refers to the total time of the credit user in the historical credit item overdue;

based on the above, calculating the ratio of the overdue time to the participation time, taking the ratio result as the overdue parameter of the credit user in the deadline dimension, and determining the overdue parameter as the risk assessment result of the credit user in the deadline dimension.

For example, the user C participates in 5 credit items through the credit account, the item time of the user C participating in each credit item is determined to be 3 hours, 4 hours, 5 hours, 6 hours and 8 hours by determining the item information of the 5 credit items, the default vehicle borrowing time is 7 hours, the user C borrows the vehicle for 8 hours and returns the vehicle, so that the overdue time of the user C is 1 hour, the overdue parameter of the user C in the deadline dimension is determined to be 1/(3+4+5+6+8) × 100% to 3.8% by calculation, and the risk assessment result of the user C in the deadline dimension is determined to be 3.8% of the overdue parameter.

on the basis of determining the item information of each risk dimension, further, in one or more embodiments of this embodiment, if each risk dimension includes a dimension of an item target, risk assessment needs to be performed on the dimension of the item target of the credit user according to the item information of the dimension of the item target, so as to obtain a risk assessment result of the credit user in the dimension of the item target, which is specifically implemented as follows:

Specifically, when the credit user is subjected to risk assessment by the dimension of the item target, determining the amount of the item target participating in the historical credit item by the credit user through the item information of the dimension of the item target, specifically, the right and obligation relationship existing when the credit user participates in the historical credit item, and the amount of the item target being equal to the amount of the credit service provided when the credit user participates in the historical credit item, and determining the amount of a performance mark for performing the historical credit item by the credit user, wherein the amount of the performance mark is specifically the amount of the performance mark determined when the credit user performs the performance according to the credit contract of the historical credit item in the process of participating in the historical credit item, and is referred to as the amount of the performance mark;

On the basis, the amount of the item target and the amount of the performance target are subtracted, the calculation result is used as the amount of the default target of the credit user in the dimension of the item target, the amount of the default target is specifically the amount of money generated by the credit user participating in the default of the credit item, and the amount of the default target is determined as the risk assessment result of the credit user in the dimension of the item target.

In addition, the risk assessment result of the dimension of the item target can also be determined by calculating the ratio of the amount of the default target to the amount of the item target.

For example, the user D participates in 5 credit projects through the credit account, the amounts of the targets of the 5 credit projects of the user D are respectively determined to be 1000, 2000, 5000, 500 and 1000 through the project information of the 5 credit projects, and the amounts of the performance targets of the user D are respectively determined to be 1000, 2000, 4500, 500 and 1000 through the project information, so that the total target amount of the user D is 1000+2000+5000+500+1000 to 9500, and the total performance target amount is 1000+2000+4500+500+1000 to 9000, and the default target amount of the user D can be determined to be 9500-9000 to 500, and then the risk assessment result of the user D on the target dimension of the project is determined to be 500-disqualified.

in addition, in the process of performing risk assessment on the credit user, the risk assessment may be performed on the credit user at the default dimension, the deadline dimension, the behavior dimension, and the item target dimension at the same time, so as to obtain risk assessment results of the default dimension, the deadline dimension, the behavior dimension, and the item target dimension, and then, in a subsequent risk prevention and control policy, the risk assessment results are processed according to the risk assessment results of each risk dimension, and the risk dimensions may further include a performance dimension, and the like;

in the process of performing risk assessment on the credit user for each risk dimension, the required risk dimension can be selected according to actual requirements to perform risk assessment on the credit user, so that risk assessment on the credit user in the risk dimension which cannot be applied is avoided, and the situation of wasting computing resources is avoided.

by respectively carrying out risk assessment on the credit user in different risk dimensions and obtaining the risk assessment results of the risk dimensions, the risk problem of the user can be determined through multiple angles, the risk of loss of the participants of the credit project is avoided, and the credit user is promoted to actively perform.

step 108: and if at least one risk assessment result is higher than the risk prevention and control threshold value of the corresponding risk dimension, adding the credit user into a risk user list as a risk user.

specifically, on the basis that the risk assessment result of each risk dimension is obtained by performing risk assessment on the credit user in each risk dimension, further, by comparing the risk assessment result of each risk dimension with the risk prevention and control threshold value of the corresponding risk dimension, if at least one risk assessment result is higher than the risk prevention and control threshold value of the corresponding risk dimension, which indicates that the default risk of the credit user in the risk dimension is higher, the credit user may be determined as a risk user, where the risk user is specifically a user with a certain default risk, and the risk user is added to the risk user list; the risk user list is specifically a list of users with default risks, the risk users in the risk user list can be monitored in real time or periodically during default, the risk users are observed in a monitoring mode, whether default behaviors occur in set time or not is observed, the default behaviors of the risk users can be further checked, and the risk prevention and control effect is further improved.

on the basis of adding the risky user to the risky user list, further, in one or more implementations of this embodiment, the risky user list includes a plurality of risky users, each risky user has a risk prevention and control period, and the credit user is subject to certain behavior constraints in the risk prevention and control period to avoid the default behavior of the credit user from occurring again, which is specifically implemented as follows:

if yes, performing offer processing on the first participation request;

If not, sending a payment deposit request to the risk user aiming at the first credit item;

On the basis of determining whether the first credit item participated in by the risky user is a public interest item, further, in one or more embodiments of this embodiment, if the first credit item is a public interest item, it needs to be further determined whether the risky user meets an admission condition for participating in the first credit item, and a specific implementation manner is as follows:

If not, refusing the risk user to participate in the first credit project;

Specifically, after the risk users are added into a risk user list, a risk prevention and control period is set for the risk users, wherein the risk prevention and control period specifically refers to the prevention and control supervision performed on the risk users within a set time, and whether default behaviors still occur in the risk prevention and control period is supervised;

Based on this, the risk user's participation in other credit items during the risk prevention and control period may be restricted, the risk user is already a user with a default risk, the credit platform for risk prevention and control of the risk user needs to check the request of the user for participating in other credit projects in order to avoid the user from continuously performing default behaviors, credit items with a higher degree of association with money and valuables may deny participation by the risky user, and the risk user can reduce the default parameters of default behaviors by participating in the credit public good items, so that by receiving a first participation request for participating in a first credit item submitted by the risk user within the risk prevention and control period, the risk user needs to participate in another credit project and needs to judge whether the first credit project is a public service project;

If yes, the risk user is allowed to participate in the public welfare project, the risk user is subjected to approving processing according to the first participation request, the attribute information of the risk user is processed, whether the risk user meets the admission condition for participating in the public welfare project or not is detected, if yes, a party initiating the public welfare project signs a credit public welfare contract with the risk user, the risk user can participate in the public welfare project, and if not, a party initiating the public welfare project refuses the risk user to participate in the public welfare project;

if not, the first credit item participated by the risk user in the risk wind control period is not a public interest item, and if the first credit item is a non-public interest item, based on the fact that the current user has a default risk, if the risk user participates in the first credit item, the risk user can be agreed to participate in the first credit item only if the risk user needs to pay a certain deposit, so that a deposit payment request is sent to the risk user for the first credit item, and if the risk user pays the deposit, the risk user can be determined as an item member of the first credit item.

for example, the user E is a risk user in the risk user list, in this case, the user E submits a participation request for joining a credit public welfare tree planting item and a credit loan item, and it is determined by the determination that the credit public welfare tree planting item is a public welfare item, the user E may be subjected to an approving process, it is detected whether the user E meets an admission condition for participating in the credit public welfare tree planting item, and it is determined by the determination that the credit loan item is a non-public welfare item, and at this time, the user E has a default risk, so the user E may be able to borrow the vehicle to the user E, and send a request for paying the deposit to the user E, and in a case where the user E pays the deposit for the request for paying the deposit, the credit loan item may lend the vehicle to the user E.

In addition, the risk prevention and control periods of the risk users in the risk user list may be different times, if the default behavior of the risk user is light, the risk prevention and control period may be set to be shorter, and if the default behavior of the risk user is heavy, the risk prevention and control period may be set to be longer, for example, the default behavior of the user a is not yet written 1 book, and the default behavior of the user b is not yet 5 ten thousand yuan, it may be determined that the default behavior of the user a is lighter than the default behavior of the user b, the risk prevention and control period of the user a may be set to be shorter, which may be 30 days, and the risk prevention and control period of the user b may be set to be longer, which may be 180 days.

And under the condition that the credit user is determined to be a risk user, adding the risk user list to indicate that the risk user has default risk, wherein each risk user has a risk prevention and control period in the condition, and performing behavior constraint on the risk user in the risk prevention and control period to avoid the occurrence of secondary default caused by the risk user, effectively reduce default behaviors of the risk user, and improve performance behaviors of the risk user.

Based on the above adding the risky users to the risky user list, further, in one or more implementations of this embodiment, the risky user list includes a plurality of risky users, each risky user has a risk prevention and control period, the credit user is subject to certain behavior constraints in the risk prevention and control period, and the default behavior of the credit user is avoided from appearing again, some credit items of the risky users in the risk prevention and control period are not allowed to participate, and the credit user is rejected when participating in the part of credit items, which is specifically implemented as follows:

if not, performing the response processing on the second participation request;

and if so, rejecting the risky user to participate in the second credit project.

specifically, in the process that the risk user participates in the second credit item, the second credit item needs to be detected, and whether the second credit item is a credit item in the prohibited credit item type set or not is determined, in this process, a correspondence table between risk assessment results and risk levels is established in advance on a credit platform carrying prevention and control on the risk user, and based on this table, a risk level corresponding to the risk assessment results that the risk user is higher than a risk prevention and control threshold value of a corresponding risk dimension is determined, the risk level is used for indicating a level that the risk user has a default risk, a smaller value of the risk level indicates a higher risk that the risk user has default again, otherwise, a larger value of the risk level indicates a lower risk that the risk user has default again, and an arrangement order of the risk levels is "1" with the highest risk level, a "2" risk level is only lowest below the risk level "1", a "3" risk level is only lowest below the risk level "2" … … "n";

based on this, when determining the risk level corresponding to the risk assessment result of the risk user, it is further required to determine the prohibited credit item type of the risk level in a table by querying a pre-established correspondence table between the risk level and the prohibited credit item type, determine the item type of the credit item prohibited from participating according to the risk level of the risk user, and create the prohibited credit item type set.

Here, in the case that the risk level is determined according to the risk assessment result, if the risk assessment result is that one risk dimension of the risk user is higher than the risk prevention and control threshold, the risk level may be determined according to the risk assessment result, for example, if the risk assessment result of the user in the behavior dimension is default 3 times, which is greater than a preset risk prevention and control threshold, and none of the other risk dimensions is greater than the risk prevention and control threshold of the corresponding risk dimension, the risk level is determined to be lower according to the number of default 3 times of the user;

If the risk assessment result is that the risk user determines the risk level according to the risk assessment result higher than the risk prevention and control threshold of the risk dimension when the risk dimensions are higher than the risk prevention and control threshold of the corresponding risk dimension, for example, if the risk assessment results of the user in the deadline dimension and the behavior dimension are 5 days out of date, 3 times out of date are both greater than the risk prevention and control threshold of the corresponding dimension, and other risk dimensions are not greater than the risk prevention and control threshold of the corresponding risk dimension, it may determine that the risk level is higher according to the user being 5 days out of date, 3 times out of date.

In specific implementation, the risk level may be determined according to the number of risk users whose risk dimensions are higher than the corresponding risk prevention and control thresholds, for example, if the risk assessment result of a user in 1 risk dimension is higher than the risk prevention and control threshold, the risk level of the user may be 10, if the risk assessment result of a user in 2 dimensions is higher than the risk prevention and control threshold, the risk level of the user may be 9, and if the risk assessment result of a user in 3 dimensions is higher than the risk prevention and control threshold, the risk level of the user may be 8, so that the number of risk users whose risk dimensions are higher than the risk prevention and control thresholds corresponding to different risk dimensions may be determined to determine the risk level of the user; the corresponding relation table of the risk assessment result and the risk level is shown in table 1:

TABLE 1

results of risk assessment	Risk rating
		10 risk dimensions	1
9 Risk dimensions	2
		8 Risk dimensions	3
……	…

In the case of determining the risk assessment result level, it is necessary to determine a credit item which the credit user is prohibited from participating in according to the risk level, inquiring the corresponding relation table of the risk grade and the prohibited credit item type through the risk grade to determine, wherein a smaller value of the risk level indicates that the higher the default risk of the risky user, the more corresponding prohibited item types are, and conversely, a larger value of the risk level indicates that the default risk of the risky user is lower, the fewer types of items that are prohibited from participating, and a high level of risk rating includes a prohibited credit item type corresponding to a low level of risk rating, e.g., a risk rating of 3 includes a prohibited credit item type of 5, then risk level 2 contains 5 items of the prohibited credit item type that may be 6 items and contains the prohibited credit item type corresponding to risk level 3; the item type number of the prohibited credit items corresponding to the risk level exists in the corresponding relation table of the risk level and the prohibited credit item type, and specifically, what credit item the risk user determines is according to the risk level can be determined by an item platform bearing the credit item, or determined in a remark of the corresponding relation table of the risk level and the prohibited credit item type, and a specific process for determining the prohibited credit item can be set according to an actual application scenario; the table of the correspondence between the risk level and the prohibited credit item type is shown in table 2:

TABLE 2

risk rating	Forbidden credit item types
		1	10 credit items
2	9 items of credit
		3	8 items of credit
…	…

under the condition that the forbidden credit project type is determined according to the risk evaluation result of the risk user, the forbidden credit project type set is created according to the forbidden credit project type, and under the condition, if a second participation request submitted by the risk user and participating in a second credit project is received in the risk prevention and control period and indicates that the risk user needs to participate in other credit projects, whether the project type of the second credit project, which is applied for participation by the risk user and carried by the second participation request, exists in the forbidden credit project type set or not is judged;

if yes, the item type of the second credit item participated by the risk user in the risk prevention and control period belongs to a prohibited credit item type contained in the prohibited credit item type set, and then the risk user is refused to participate in the second credit item;

if not, it is indicated that the item type of the second credit item that the risk user participates in the risk prevention and control period does not belong to the prohibited credit item type included in the prohibited credit item type set, then the offer processing is performed on the credit user according to the second participation request, and the offer processing process may participate in the description of the offer processing process performed on the credit user according to the first participation request, which is not described herein again.

by pre-establishing a corresponding relation table of a risk evaluation result and a risk level and a corresponding relation table of the risk level and a prohibited credit item type, the credit item which the risk user is prohibited to participate in can be determined more quickly, and the auditing efficiency of auditing the participation of the risk user in other credit items is improved.

On the basis of adding the risky user to the risky user list, in one or more embodiments of this embodiment, when the risky user is determined as a risky user, it is indicated that the risky user has a default risk, and the risky user may reduce the default risk in the case of performing positive performance, so that the risk user may change from the risky user to the credit user, where the specific implementation manner is as follows:

specifically, participation information of all credit items that the risk user participates in the risk prevention and control period may be acquired, where the participation information specifically refers to information that the risk user participates in the credit item, is similar to the description content of the item participation credit, and is determined only based on the credit item that the risk user participates in the risk prevention and control period;

Based on the above, the participation information is classified according to the risk dimensions to obtain credit item information under each risk dimension, the credit item information is similar to the item information of the historical credit items, and then the risk user is subjected to risk assessment in each risk dimension according to the credit item information to obtain prevention and control risk assessment results of each risk dimension;

when the prevention and control risk assessment of each risk dimension is lower than the risk prevention and control threshold of the corresponding risk dimension, which indicates that the risk user has positive performance in the credit items participating in the prevention and control period, the risk user may be removed from the risk user list and changed into the credit user;

When the prevention and control risk assessment of at least one risk dimension is higher than the risk prevention and control threshold of the corresponding risk dimension, which indicates that the at least one risk user still does not perform actively in the credit projects participating in the prevention and control period, the at least one risk user may be moved from the risk user list to a credit project list of prohibited participation, where the credit project list of prohibited participation specifically refers to a list into which the at least one risk user who has multiple default behaviors is added, and the at least one risk user is prohibited from obtaining credit services by means of credit mortgage, and if the at least one risk user still needs credit services, the at least one risk user needs to obtain services by means of mortgage or mortgage money.

for example, if the user F is a risk user in the risk user list, the credit public welfare tree planting item participated by the user F in the risk prevention and control period is determined by acquiring the participation information of the user F to plant 5 trees of the user F, the tree planting time is 2 hours, no overdue phenomenon occurs, all of the 5 trees survive, the risk assessment result of the user F is determined to be default behavior 0 and the overdue behavior 0 in the default dimension and the deadline dimension, the risk assessment result of the user F in the default dimension and the deadline dimension can be determined to be lower than the risk prevention and control threshold of the corresponding risk dimension, the user F can be removed from the risk user list, and the user F is determined to be a credit user.

when the credit user is added to a risk user list because of default behaviors, the credit user is a risk user, the risk user has a certain probability of default behaviors, if the risk user is actively performing, the default behaviors can be reduced, and the risk user can be removed from the risk user list when the risk evaluation result of each risk dimension of the risk user is lower than the risk prevention and control threshold value of the corresponding risk dimension, so that the attention of the risk user to the credit is improved by limiting participation of the risk user in credit items, and the active performance of the risk user is further promoted.

according to the risk prevention and control method based on the credit project, after the credit user joins the credit project, risk assessment is carried out on the credit user, project participation information of the credit user participating in historical credit projects is collected, project information of the credit user in different dimensions is determined according to the project participation information, risk assessment of the credit user in different dimensions can be determined based on the project information, if the risk of the credit user in at least one dimension is higher, the credit user is determined as a risk user, the risk assessment can be carried out on the credit user in the execution process after the credit user joins the credit project, risk prevention and control can be further carried out on the credit user according to the risk assessment result, and the restriction can be carried out on the credit user through the risk prevention and control process, and the credit user can reduce the risk thereof by actively performing the performance behaviors in the risk prevention and control period, so that the credit user can be removed from the risk user list, thereby improving the attention of the risk user to the credit by limiting the participation of the risk user in the credit project and further promoting the active performance of the risk user.

The risk prevention and control method based on the credit project provided by the present application is further described below with reference to fig. 2, taking the application of the risk prevention and control method based on the credit project in a credit book borrowing project as an example. Fig. 2 is a flowchart illustrating a risk prevention and control process applied to a credit loan program according to an embodiment of the present application, including steps 202 to 230.

step 202: item participation information of the user participating in the historical credit items is collected.

Specifically, in the process of participating in the credit project, the user needs to participate through a credit account of a credit platform, and in order to promote the user to perform actively, the credit platform performs risk assessment on the user within a set time period, and further realizes risk prevention and control on the credit project through a risk assessment result;

based on the above, the item participation information of the user participating in the historical credit items is determined by collecting the historical credit items in which the user has participated.

step 204: and classifying the project participation information according to the deadline dimension, the default dimension, the behavior dimension and the object dimension of the project target to obtain the project information of each dimension.

Specifically, under the condition that the project participation information of the user participating in the historical credit project is collected, the project participation information is classified according to the deadline dimension, the default dimension, the behavior dimension and the object dimension of the project target, so that the project information of the user in the deadline dimension, the project information in the default dimension, the project information in the behavior dimension and the project information in the object dimension of the project are obtained;

based on this, determining that the item information in the default dimension includes 10 items of participation number of the user participating in the historical credit item and 1 item of default number of the default historical credit item of the user through the item participation information; the item information in the behavior dimension comprises that the user default behavior information is 1 book of books, and the default behavior score is 1 score; the item information in the deadline dimension comprises 10 hours of participation time of the user in the historical credit item and 1 hour of overdue time; the item information in the item target dimension comprises that the target sum of the historical credit items participated by the user is 10000 yuan, and the default target sum is 1000 yuan.

Step 206: and performing risk assessment on the user in the default dimension based on the participation number and the default number.

Specifically, risk assessment is performed on the user according to the participation number of the user in the historical credit items being 10 items and the default number of default historical credit items of the user being 1 item.

Step 208: and performing risk assessment on the user in the behavior dimension based on the default behavior information and the default behavior score.

Specifically, according to the fact that the default behavior information of the user participating in the historical credit project is 1 book of books, the default behavior score is 1 score, and risk assessment is conducted on the user.

step 210: risk assessment is performed on the user in the deadline dimension based on the engagement time and the expiration time.

specifically, risk assessment is performed on the user according to the fact that the participation time of the user in the historical credit project is 10 hours, and the overdue time is 1 hour.

Step 212: and performing risk assessment on the user based on the amount of the item target and the amount of the default target in the dimension of the item target.

specifically, risk assessment is carried out on the user according to the fact that the sum of the target of the historical credit project participated by the user is 10000 yuan and the sum of the default target is 1000 yuan.

The execution sequence of steps 206 to 212 may be executed simultaneously or sequentially, and the present application is not limited in any way.

step 214: and obtaining the risk assessment results of the users in the period dimension, the default dimension, the behavior dimension and the object dimension of the item target.

specifically, the risk assessment result for the user in the default dimension is the default rate of 10%, the risk assessment result for the user in the behavior dimension is minus 1 point, the risk assessment result for the user in the deadline dimension is the default time parameter of 10%, and the risk assessment result for the user in the item target dimension is the default amount parameter of 10%.

Step 216: judging whether the risk evaluation result of each dimension has a risk prevention and control threshold value higher than that of the corresponding dimension; if yes, go to step 218; if not, no processing is carried out.

Specifically, risk prevention and control thresholds are set on the object dimension credit platform of the deadline dimension, the default dimension, the behavior dimension and the item target;

Based on this, by comparing the default rate 10% with the risk prevention and control threshold value of default dimension, comparing the minus 1 with the risk prevention and control threshold value of behavior dimension, comparing the default time parameter 10% with the risk prevention and control threshold value of deadline dimension, and comparing the default amount parameter 10% with the risk prevention and control threshold value of item target dimension.

Step 218: and adding the users to the risk user list, and determining the risk prevention and control period of the users.

Specifically, when the risk assessment result of at least one dimension among the deadline dimension, the default dimension, the behavior dimension and the object dimension of the item target is higher than the risk prevention and control threshold of the corresponding dimension, it indicates that the user has default behavior;

based on the method, the user is added to the risk user list, the risk prevention and control period of the user is determined, and the user is monitored in the risk prevention and control period so as to observe the performance of the user in the risk prevention and control period.

Step 220: a participation request for a user to join a credit borrowing project is received.

specifically, in the case that the user is a user in the risk user list, and in the case that the user adds another credit item, the risk prevention and control needs to be performed on the user in the risk prevention and control period.

step 222: judging whether the credit book borrowing item is a credit public service item or not; if yes, go to step 224; if not, go to step 226.

Step 224: and performing offer processing on the user according to the participation request.

specifically, under the condition that the credit book borrowing item is a credit public service item, the credit book borrowing item participated by the user belongs to public service behaviors, so the user only needs to be subjected to approving processing;

based on the above, whether the user meets the participation request of the credit borrowing project or not is judged according to the participation request of the user, and if the user meets the participation request, the user is determined as an obligation party of the credit borrowing project, and a credit contract is generated for restricting the user to make the user actively perform.

Step 226: and requesting the user to participate in the credit borrowing project through the mortgage amount, and acquiring the credit project information of the user participating in the credit borrowing project.

Specifically, under the condition that the credit book borrowing item is a non-credit public interest item, the credit book borrowing item participated by the user is a non-public interest item, and if the user needs to participate in the credit book borrowing item, the user can borrow the book in a mode of mortgage money;

based on this, in the case where the user participates in the credit loan program, the credit program information of the user's participation in the credit loan program is acquired.

Step 228: and obtaining the risk assessment results of the user in the deadline dimension, the default dimension, the behavior dimension and the project subject dimension according to the credit project information.

Specifically, according to the behavior of the user participating in the credit book borrowing project, the risk assessment needs to be carried out on the user again, and whether the user can be removed from the risk user list can be determined according to the risk assessment result;

based on the above, according to the credit item information of the credit borrowing item participated by the user, the risk assessment results of the user in the deadline dimension, the default dimension, the behavior dimension and the item subject dimension are determined.

Step 230: and under the condition that the risk assessment results of the deadline dimension, the default dimension, the behavior dimension and the item subject matter dimension are all higher than the risk prevention and control threshold value of the corresponding dimension, removing the user from the risk user list, and determining the user as a credit user.

specifically, risk assessment is performed on behaviors of the user participating in the credit borrowing project through term dimensions, default dimensions, behavior dimensions and item target object dimensions, and under the condition that the risk assessment results of all the dimensions are higher than the risk prevention and control threshold value of the corresponding dimensions, it is stated that the performance behaviors of the user participating in the credit borrowing project are better, the user can be removed from a risk user list, and the user is changed into a credit user.

Corresponding to the above method embodiment, the present application further provides an embodiment of a risk prevention and control device based on a credit project, and fig. 3 shows a schematic structural diagram of the risk prevention and control device based on the credit project provided by an embodiment of the present application. As shown in fig. 3, the apparatus includes:

A collect item participation information module 302 configured to collect item participation information of credit users participating in historical credit items;

an information classification module 304, configured to classify the project participation information according to risk dimensions, and obtain project information under each risk dimension;

A risk assessment module 306 configured to perform risk assessment on the credit user in each risk dimension according to the item information, and obtain a risk assessment result of each risk dimension;

and the adding list module 308 is configured to add the credit user as a risk user to the risk user list if at least one risk assessment result is higher than the risk prevention and control threshold of the corresponding risk dimension.

In an optional embodiment, the risk users in the risk user list have a risk prevention and control period;

Correspondingly, operating a first judgment module;

The first judging module is configured to judge whether a first credit item requested to participate by the risk user carried by a first participation request is a public service item if the first participation request submitted by the risk user is received within the risk prevention and control period;

If yes, operating a first processing module;

the first processing module is configured to perform offer processing on the first participation request.

in an optional embodiment, the operation of the first determining module is yes, and the risk prevention and control device based on credit terms further includes:

The second judgment module is configured to judge whether the attribute information of the risk user meets the admission condition of the first credit item;

and if so, operating the first processing module.

In an optional embodiment, the operation of the first determining module is negative, and the risk prevention and control device based on credit items further includes:

A sending request module configured to send a payment deposit request to the risky user for the first credit item;

a determine item members module configured to determine the risky user as an item member of the first credit item if the risky user pays a deposit.

correspondingly, the risk prevention and control device based on credit projects further comprises:

A risk grade determining module configured to determine a risk grade corresponding to the risk evaluation result of the risk user according to a pre-established corresponding relationship table of the risk evaluation result and the risk grade;

the set creating module is configured to determine a prohibited credit item type corresponding to the risk level in a pre-established corresponding relation table of the risk level and the prohibited credit item type based on the risk level corresponding to the risk assessment result, and create a prohibited credit item type set;

a second judging module, configured to, if a second participation request submitted by the risk user to participate in a second credit item is received within the risk prevention and control period, judge whether an item type of the second credit item, which is requested to participate by the risk user and carried by the second participation request, exists in the set of prohibited credit item types;

If not, operating a second processing module;

The second processing module is configured to perform offer processing on the second participation request.

in an optional embodiment, the risk prevention and control device based on credit terms further includes:

an acquisition participation information module configured to acquire participation information of credit items participated by the risk users in the risk prevention and control period;

The classification module is configured to classify the participation information according to the risk dimensions, and credit item information under each risk dimension is obtained;

The evaluation module is configured to perform risk evaluation on the risk user in each risk dimension according to the credit item information to obtain prevention and control risk evaluation results of each risk dimension;

a risk user removing module configured to remove the risk user from the risk user list and change the risk user to a credit user if the prevention and control risk assessment result of each risk dimension is lower than the risk prevention and control threshold of the corresponding risk dimension.

In an optional embodiment, if the risk dimension is a default dimension, the risk assessment module 306 includes:

in an optional embodiment, if the risk dimension is a behavior dimension, the risk assessment module 306 includes:

In an optional embodiment, if the risk dimension is a term dimension, the risk assessment module 306 includes:

In an optional embodiment, if the risk dimension is a project target dimension, the risk assessment module 306 includes:

According to the risk prevention and control device based on the credit project, after the credit user joins the credit project, risk assessment is carried out on the credit user, further default behaviors of the credit user are avoided, in the process of risk prevention and control, project participation information of the credit user participating in historical credit projects is collected, project information of the credit user in different dimensions is determined according to the project participation information, risk assessment results of the credit user in different dimensions can be determined based on the project information, if the risk of the credit user in at least one dimension is high, the credit user is determined as a risk user, and therefore the risk assessment can be carried out on the credit user in the executing process after the credit user joins the credit project, and further risk prevention and control can be carried out on the credit user according to the risk assessment results, thereby achieving the constraint of performing the contract of the credit user and further promoting the positive performance of the credit user, thereby reducing the risk of loss of the participants of the credit project.

The above is an illustrative scheme of the risk prevention and control device based on credit items according to the embodiment. It should be noted that the technical solution of the risk prevention and control device based on the credit terms belongs to the same concept as the technical solution of the risk prevention and control method based on the credit terms described above, and for details of the technical solution of the risk prevention and control device based on the credit terms, reference may be made to the description of the technical solution of the risk prevention and control method based on the credit terms described above.

Fig. 4 shows a block diagram of a computing device 400 provided according to an embodiment of the present application. The components of the computing device 400 include, but are not limited to, a memory 410 and a processor 420. Processor 420 is coupled to memory 410 via bus 430 and database 450 is used to store data.

Computing device 400 also includes access device 440, access device 440 enabling computing device 400 to communicate via one or more networks 460. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 440 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

in one embodiment of the application, the above-described components of computing device 400 and other components not shown in FIG. 4 may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 4 is for purposes of example only and is not limiting as to the scope of the present application. Those skilled in the art may add or replace other components as desired.

computing device 400 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 400 may also be a mobile or stationary server.

wherein processor 420 is configured to execute the following computer-executable instructions:

optionally, the result of the step of determining whether the first credit item requested to participate by the risky user carried in the first participation request is a public service item is yes, and before the step of executing the offer processing instruction on the first participation request, the processor 420 is further configured to execute the following computer-executable instructions:

and if so, executing the instruction for performing the contracting processing on the first participation request.

optionally, if the determination result that whether the first credit item requested to participate by the risky user carried in the first participation request is the public interest item instruction is determined as no, the processor 420 is further configured to execute the following computer-executable instructions:

correspondingly, if at least one risk assessment result is higher than the risk prevention and control threshold of the corresponding risk dimension, after the instruction of adding the credit user as a risk user to the risk user list is executed, the processor 420 is further configured to execute the following computer-executable instructions:

optionally, if at least one risk assessment result is higher than the risk prevention and control threshold of the corresponding risk dimension, after the instruction of adding the credit user as a risk user to the risk user list is executed, the processor 420 is further configured to execute the following computer-executable instructions:

the above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the risk prevention and control method based on the credit terms belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the risk prevention and control method based on the credit terms.

an embodiment of the present application further provides a computer-readable storage medium storing computer instructions that, when executed by a processor, are configured to:

the above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the risk prevention and control method based on the credit terms belong to the same concept, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the risk prevention and control method based on the credit terms.

The foregoing description of specific embodiments of the present application has been presented. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

the computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the above-mentioned method embodiments are described as a series of acts or combinations, but those skilled in the art should understand that the present application is not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the present application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.

in the above embodiments, 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.

The preferred embodiments of the present application disclosed above are intended only to aid in the explanation of the application. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the application and its practical applications, to thereby enable others skilled in the art to best understand and utilize the application. The application is limited only by the claims and their full scope and equivalents.

Claims

1. A risk prevention and control method based on credit projects is characterized by comprising the following steps:

2. The credit-based risk control method of claim 1, wherein the risk users in the list of risk users have a risk control period;

3. the method according to claim 2, wherein the step of determining whether the first credit item requested to participate by the risky user carried by the first participation request is a public interest item is yes, and before the step of executing the offer processing on the first participation request, the method further comprises:

4. The risk prevention and control method based on credit items according to claim 2, wherein the step of determining whether the first credit item requested to participate by the risky user carried by the first participation request is a public interest item is performed if the determination result is negative, and the following steps are performed:

5. the credit-based risk control method of claim 1, wherein the risk users in the list of risk users have a risk control period;

6. the method for risk prevention and control based on credit items according to any one of claims 2-5, wherein if there is at least one risk assessment result higher than the risk prevention and control threshold corresponding to the risk dimension, after the step of adding the credit user as a risk user to the list of risk users is executed, the method further comprises:

7. the method as claimed in claim 1, wherein if the risk dimension is a default dimension, performing risk assessment on the credit user in each risk dimension according to the item information to obtain a risk assessment result of each risk dimension, the method comprising:

8. The risk prevention and control method based on credit projects according to claim 1, wherein if the risk dimension is a behavior dimension, performing risk assessment on the credit user in each risk dimension according to the project information to obtain a risk assessment result of each risk dimension, includes:

9. the risk prevention and control method based on credit items according to claim 1, wherein if the risk dimension is a term dimension, the risk assessment is performed on the credit user in each risk dimension according to the item information to obtain the risk assessment result of each risk dimension, and the method comprises:

10. the risk prevention and control method based on credit projects according to claim 1, wherein if the risk dimension is a dimension of a project target, performing risk assessment on the credit user in each risk dimension according to the project information to obtain a risk assessment result of each risk dimension, and the method comprises:

11. A risk prevention and control device based on credit project is characterized by comprising:

12. The credit-based risk prevention and control device of claim 11, wherein if the risk dimension is a default dimension, the risk assessment module comprises:

13. the credit-based risk prevention and control device of claim 11, wherein if the risk dimension is a behavior dimension, the risk assessment module comprises:

14. The credit-based risk prevention and control device of claim 11, wherein if the risk dimension is a deadline dimension, the risk assessment module comprises:

15. the credit-based risk prevention and control device of claim 11, wherein if the risk dimension is a project target dimension, the risk assessment module comprises:

16. a computing device, comprising:

a memory and a processor;

17. A computer-readable storage medium storing computer instructions, which when executed by a processor, implement the steps of the credit-based risk prevention and control method of any one of claims 1 to 10.