CN117350850B - Method for credit evaluation based on position and gap filling behavior data - Google Patents
Method for credit evaluation based on position and gap filling behavior data Download PDFInfo
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Abstract
The invention discloses a credit evaluation method based on position and gap filling behavior data, which belongs to the field of credit evaluation methods and comprises the following steps: step one: acquiring business handling position information, business handling personnel information, gap filling behavior information and business related amount information; step two: analyzing the business handling position information to obtain a first analysis result; step three: analyzing the information of the business handling personnel to obtain a second analysis result; step four: analyzing the gap filling behavior information to obtain a third analysis result; step five: analyzing the business related amount information to obtain a fourth analysis result; step six: evaluating the service credit by integrating the first analysis result, the second analysis result, the third analysis result and the fourth analysis result; step seven: and determining whether to send the early warning information according to the evaluation result. The invention can comprehensively evaluate whether the business has risks or not, thereby improving the evaluation effect.
Description
Technical Field
The invention relates to a credit evaluation method, in particular to a credit evaluation method based on position and gap-filling behavior data.
Background
To avoid the fraudulent use of the resident at the bank, a common effort is required from the bank, the resident themselves and the community. The residents need to continuously improve the precaution awareness and the risk awareness, and the banks need to strengthen internal management and risk control and strengthen supervision and cooperation so as to effectively prevent fraud. In order to further improve the risk control effect of banks, credit evaluation methods have been developed to evaluate the business when the customer deals with the business, so as to know whether the business has a risk and how much the risk is.
The existing credit evaluation method has the following problems in banking business handling: whether the business handled is at risk cannot be comprehensively evaluated, so that the evaluation effect is not ideal. Accordingly, a person skilled in the art provides a credit evaluation method based on position and filling behavior data to solve the above-mentioned problems in the background art.
Disclosure of Invention
The invention aims to provide a credit evaluation method based on position and filling behavior data, which can comprehensively evaluate whether the handled business has risks or not, further improve the evaluation effect and solve the problems in the background technology.
In order to achieve the above purpose, the present invention provides the following technical solutions:
a credit evaluation method based on position and filling behavior data comprises the following steps:
step one: acquiring business handling position information, business handling personnel information, gap filling behavior information and business related amount information;
step two: analyzing the business handling position information to obtain a first analysis result;
step three: analyzing the information of the business handling personnel to obtain a second analysis result;
step four: analyzing the gap filling behavior information to obtain a third analysis result;
step five: analyzing the business related amount information to obtain a fourth analysis result;
step six: evaluating the service credit by integrating the first analysis result, the second analysis result, the third analysis result and the fourth analysis result;
step seven: and determining whether to send the early warning information according to the evaluation result.
As a further scheme of the invention: the specific process of analyzing the business handling position information to obtain the first analysis result comprises the following steps:
marking the business handling position as P;
determining whether the position of P is at risk, if the position is at risk, indicating that the business handling position is normal, and if the position is at risk, entering the next step;
the number of risk behaviors occurring in the past half year of the business handling position is marked as Q;
if Q is larger than a preset value, the probability of the risk of the business handling position is high, and if Q is smaller than or equal to the preset value, the probability of the risk of the business handling position is low.
As still further aspects of the invention: the specific process of determining whether the position of the P is at risk is as follows: if P is located in any one of two kilometers of a high school square, a rural area and two kilometers of a train station square, judging that the risk exists in the P, otherwise, if P is not located in any one of two kilometers of the high school square, the rural area and two kilometers of the train station square, judging that the risk does not exist in the P.
As still further aspects of the invention: the specific process of analyzing the business handling personnel information to obtain the second analysis result comprises the following steps:
acquiring the age, the school and the working years of service transacting staff;
the age, the academic and the working years of the business handling personnel are respectively marked as X, Y, Z;
calculating a weight value of Y, and if the academic Y is primary, setting the corresponding weight value to be 1; if the learning Y is junior middle school, the corresponding weight value is 2; if the learning Y is high and medium, the corresponding weight value is 3; if the academy Y is university, the corresponding weight value is 4; if the academy Y is a study, the corresponding weight value is 5;
calculating a weight value of a reference value v=age+working life+y;
if V is larger than a preset value, the business handling personnel is high in reading, the risk probability is low, and if V is smaller than or equal to the preset value, the business handling personnel is poor in reading, and the risk probability is high.
As still further aspects of the invention: the specific process of analyzing the gap filling behavior information to obtain the third analysis result is as follows:
acquiring the response time and the modification times of business handling personnel when filling in the data;
the reaction time and the modification times are respectively marked as M, J;
correcting M, J according to the age and the academy of the business transaction personnel;
and analyzing whether the business handling personnel have a fake risk according to the correction result.
As still further aspects of the invention: the specific process of correcting M, J is as follows:
comparing the age X of the service staff with a preset range value, outputting a correction parameter R1=50% if the age X of the service staff is within the preset range value, and entering the next step if the age X of the service staff is not within the preset range value;
if X is greater than the maximum value in the preset range value, calculating a difference K between X and the maximum value in the preset range value, and outputting a correction parameter R1=50% -K2% according to K; if X is smaller than the minimum value in the preset range value, calculating a difference k between X and the minimum value in the preset range value, and outputting a correction parameter R1=50% -k×2% according to k;
outputting a correction parameter r2=50% if the academy of the business handling staff is above the family, and entering the next step if the academy of the business handling staff is below the family;
outputting a correction parameter r2=45% if the business transaction staff's academic is high and medium; outputting a correction parameter r2=40% if the business transaction staff's learning is junior middle school; outputting a correction parameter r2=35% if the business transaction staff's academic is a primary school;
calculating a comprehensive correction parameter rtotal=r1+r2;
the corrected reaction time M and the corrected number of modifications j, m=r total x M, j=r total x j are calculated.
As still further aspects of the invention: the specific process for analyzing whether the business handling personnel have the fake risk is as follows:
comparing the acquired corrected response time m with a preset value, and if m is smaller than the preset value, indicating that the response of analysis service staff is quick when filling in the data, and no fake risk exists; if m is greater than or equal to a preset value, indicating that the response of analysis business staff is slow when filling in the data, and the risk of falsification exists;
comparing the acquired modified times j with a preset value, and if j is smaller than the preset value, indicating that the analysis service transacting personnel have fewer errors when filling the data and do not have fake risks; if j is greater than or equal to the preset value, the analysis business clerk makes more mistakes when filling the data, and the risk of falsification exists.
As still further aspects of the invention: the specific process of analyzing the business related amount information to obtain the fourth analysis result comprises the following steps:
acquiring the related amount of the service, and marking the related amount as W;
the amount of each transaction in half a year before is marked as wi, i=1· n;
matching W with wi, if W is matched with any wi, indicating that the amount of money involved in the service is normal funds flowing without risk, and if W is not matched with any wi, entering the next step;
calculate the difference wtiff of wtih with each wi =；
If the W difference is smaller than the preset value, the business related amount is judged to be normal funds flowing without risk, and if the W difference is larger than or equal to the preset value, the business related amount is judged to be abnormal funds flowing with risk.
As still further aspects of the invention: the specific process for evaluating the service credit comprises the following steps:
if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling personnel read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that the business related amount is that the abnormal funds flow risk all occur at the same time, the business credit is evaluated as five grades;
if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling staff read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that any three of the risks of the business related amount being abnormal fund flow occur simultaneously, the business credit is evaluated as a fourth grade;
if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling staff read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that any two of the risks of the business related amount being abnormal fund flow occur simultaneously, the business credit evaluation is three-level;
if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling staff read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that the business related amount is any one of the risks of abnormal fund flow, the business credit is evaluated as a second grade;
and if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling personnel read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that the business related amount is that abnormal fund flow is not present, the credit evaluation of the business is first-level.
As still further aspects of the invention: in the seventh step, if the current service credit evaluation is first-level, no early warning information is sent, otherwise, early warning information is sent to a display screen of a bank staff, and the early warning information comprises the current service credit evaluation, a corresponding first analysis result, a corresponding second analysis result, a corresponding third analysis result and a corresponding fourth analysis result.
Compared with the prior art, the invention has the beneficial effects that:
1. according to the method and the device, whether the handled business has risks or not can be comprehensively estimated by analyzing the business handling position information, the business handling personnel information, the gap filling behavior information and the business related amount information, so that the estimation effect is improved.
2. Banks where fraud is occurring are currently located in rural areas, around colleges and universities and around train stations, and the present application can quickly determine whether a business transaction is a high risk area by analyzing the business transaction location information.
3. According to the method and the device, the age, the academic and the working years of the business handling personnel are comprehensively analyzed, so that the quality of the business handling personnel in reading can be rapidly obtained, and further the follow-up credit evaluation is facilitated.
4. According to the method and the system, the reaction time and the modification times of the business handling personnel during filling the data are analyzed, the familiarity of the business handling personnel to the business is effectively judged, the more familiar business is, the more the business handling personnel is not fraudulently handled by others for the first time, the longer the reaction time required by the business is, the more errors are occurred, the higher the possibility that the business handling personnel is fraudulently handled by others for the first time is, and therefore whether the business handling personnel is at a fake risk is effectively analyzed, and in addition, the reaction time and the modification times are properly modified during the analysis, so that the accuracy of analysis results is improved.
5. According to the method and the device, the information of the business related amount is analyzed, whether the business related amount is abnormal fund flow or not can be rapidly known, and whether the business has risks or not is judged.
Drawings
Fig. 1 is a flow chart of a method for credit evaluation based on location and gap filler behavior data.
Detailed Description
In order to better understand the above technical solutions, the following detailed description will refer to the accompanying drawings and specific embodiments.
Referring to fig. 1, in an embodiment of the present invention, a credit evaluation method based on position and gap-filling behavior data includes the following steps: step one: acquiring business handling position information, business handling personnel information, gap filling behavior information and business related amount information; step two: analyzing the business handling position information to obtain a first analysis result; step three: analyzing the information of the business handling personnel to obtain a second analysis result; step four: analyzing the gap filling behavior information to obtain a third analysis result; step five: analyzing the business related amount information to obtain a fourth analysis result; step six: evaluating the service credit by integrating the first analysis result, the second analysis result, the third analysis result and the fourth analysis result; step seven: and determining whether to send the early warning information according to the evaluation result.
In this embodiment: the specific process of analyzing the business handling position information to obtain the first analysis result comprises the following steps: marking the business handling position as P; determining whether the position of P is at risk, if the position is at risk, indicating that the business handling position is normal, and if the position is at risk, entering the next step; the number of risk behaviors occurring in the past half year of the business handling position is marked as Q; if Q is larger than a preset value, the probability of the risk of the business handling position is high, and if Q is smaller than or equal to the preset value, the probability of the risk of the business handling position is low. Banks where fraud is occurring are currently located in rural areas, around colleges and universities and around train stations, and the present application can quickly determine whether a business transaction is a high risk area by analyzing the business transaction location information.
In this embodiment: the specific process of determining whether the position of P is at risk is as follows: if P is located in any one of two kilometers of a high school square, a rural area and two kilometers of a train station square, judging that the risk exists in the P, otherwise, if P is not located in any one of two kilometers of the high school square, the rural area and two kilometers of the train station square, judging that the risk does not exist in the P. Students in universities are more easily transacted with the fraud by fraud staff due to less social experience, and many old people can transact with the fraud by the fraud staff due to remote positions in rural areas, so that the railway station staff is complex and has high mobility, and the probability of the fraud is higher.
In this embodiment: the specific process of analyzing the information of the business handling personnel to obtain the second analysis result comprises the following steps: acquiring the age, the school and the working years of service transacting staff; the age, the academic and the working years of the business handling personnel are respectively marked as X, Y, Z; calculating a weight value of Y, and if the academic Y is primary, setting the corresponding weight value to be 1; if the learning Y is junior middle school, the corresponding weight value is 2; if the learning Y is high and medium, the corresponding weight value is 3; if the academy Y is university, the corresponding weight value is 4; if the academy Y is a study, the corresponding weight value is 5; calculating a weight value of a reference value v=age+working life+y; if V is larger than a preset value, the business handling personnel is high in reading, the risk probability is low, and if V is smaller than or equal to the preset value, the business handling personnel is poor in reading, and the risk probability is high. By comprehensively analyzing age, school and working age information of the business handling personnel, the quality of the business handling personnel can be rapidly obtained, and further credit evaluation can be conveniently carried out subsequently. By comprehensively analyzing age, school and working age information of the business handling personnel, the quality of the business handling personnel can be rapidly obtained, and further credit evaluation can be conveniently carried out subsequently.
In this embodiment: the specific process of analyzing the filling behavior information to obtain the third analysis result is as follows: acquiring the response time and the modification times of business handling personnel when filling in the data; the reaction time and the modification times are respectively marked as M, J; correcting M, J according to the age and the academy of the business transaction personnel; and analyzing whether the business handling personnel have a fake risk according to the correction result. By analyzing the response time and the modification times of the business handling personnel when filling the data, the familiarity of the business handling personnel to the business is effectively judged, the more familiar the business is, the more the business handling personnel is not fraudled by others to handle the business for the first time, and conversely, the longer the response time required by the business is, the more errors are generated, the higher the possibility that the business handling personnel is fraudled by others to handle the business for the first time is, so that whether the business handling personnel has a fake risk is effectively analyzed.
In this embodiment: the specific process for correcting M, J is as follows: comparing the age X of the service staff with a preset range value, outputting a correction parameter R1=50% if the age X of the service staff is within the preset range value, and entering the next step if the age X of the service staff is not within the preset range value; if X is greater than the maximum value in the preset range value, calculating a difference K between X and the maximum value in the preset range value, and outputting a correction parameter R1=50% -K2% according to K; if X is smaller than the minimum value in the preset range value, calculating a difference k between X and the minimum value in the preset range value, and outputting a correction parameter R1=50% -k×2% according to k; outputting a correction parameter r2=50% if the academy of the business handling staff is above the family, and entering the next step if the academy of the business handling staff is below the family; outputting a correction parameter r2=45% if the business transaction staff's academic is high and medium; outputting a correction parameter r2=40% if the business transaction staff's learning is junior middle school; outputting a correction parameter r2=35% if the business transaction staff's academic is a primary school; calculating a comprehensive correction parameter rtotal=r1+r2; the corrected reaction time M and the corrected number of modifications j, m=r total x M, j=r total x j are calculated. By appropriately correcting the reaction time and the number of modifications, the accuracy of the analysis result can be improved.
In this embodiment: the specific process for analyzing whether the business handling personnel have the fake risk is as follows: comparing the acquired corrected response time m with a preset value, and if m is smaller than the preset value, indicating that the response of analysis service staff is quick when filling in the data, and no fake risk exists; if m is greater than or equal to a preset value, indicating that the response of analysis business staff is slow when filling in the data, and the risk of falsification exists; comparing the acquired modified times j with a preset value, and if j is smaller than the preset value, indicating that the analysis service transacting personnel have fewer errors when filling the data and do not have fake risks; if j is greater than or equal to the preset value, the analysis business clerk makes more mistakes when filling the data, and the risk of falsification exists.
In this embodiment: the specific process of analyzing the business related amount information to obtain the fourth analysis result comprises the following steps: acquiring the related amount of the service, and marking the related amount as W; the amount of each transaction in half a year before is marked as wi, i=1· n; matching W with wi, if W matches any wi, then the business is described as the related amountIf the W is not matched with any wi, entering the next step; calculate the difference wtiff of wtih with each wi =The method comprises the steps of carrying out a first treatment on the surface of the If the W difference is smaller than the preset value, the business related amount is judged to be normal funds flowing without risk, and if the W difference is larger than or equal to the preset value, the business related amount is judged to be abnormal funds flowing with risk.
In this embodiment: the specific process for evaluating the service credit is as follows: if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling personnel read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that the business related amount is that the abnormal funds flow risk all occur at the same time, the business credit is evaluated as five grades; if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling staff read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that any three of the risks of the business related amount being abnormal fund flow occur simultaneously, the business credit is evaluated as a fourth grade; if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling staff read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that any two of the risks of the business related amount being abnormal fund flow occur simultaneously, the business credit evaluation is three-level; if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling staff read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that the business related amount is any one of the risks of abnormal fund flow, the business credit is evaluated as a second grade; and if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling personnel read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that the business related amount is that abnormal fund flow is not present, the credit evaluation of the business is first-level. The setting can enable staff to more intuitively know the credit evaluation of the service.
In this embodiment: in the seventh step, if the current service credit evaluation is first-level, no early warning information is sent, otherwise, early warning information is sent to a display screen of a bank staff, and the early warning information comprises the current service credit evaluation, a corresponding first analysis result, a corresponding second analysis result, a corresponding third analysis result and a corresponding fourth analysis result. After the bank staff obtains the early warning information, the bank staff can check the business handling condition in time, and if the bank staff finds that the fraud behavior exists, the bank staff can persuade and refrain in time.
According to the invention, through analyzing the business handling position information, the business handling personnel information, the gap filling behavior information and the business related amount information, whether the handled business has risks or not can be comprehensively estimated, and the estimation effect is further improved. Wherein it can be quickly determined whether the business transaction is a high risk area by analyzing the business transaction location information. By comprehensively analyzing age, school and working age information of the business handling personnel, the quality of the business handling personnel can be rapidly obtained, and further credit evaluation can be conveniently carried out subsequently. By analyzing the response time and the modification times of the business handling personnel when filling the data, the familiarity of the business handling personnel to the business is effectively judged, the more familiar the business is, the more the business handling personnel is not fraudled by others to handle the business for the first time, and conversely, the longer the response time required by the business is, the more errors are generated, the higher the possibility that the business handling personnel is fraudled by others to handle the business for the first time is, so that whether the business handling personnel has a fake risk is effectively analyzed, and in addition, the response time and the modification times are properly corrected in the analysis process, so that the accuracy of analysis results is improved. By analyzing the information of the business related amount, whether the business related amount is abnormal fund flow or not can be rapidly known, and whether the business has risks or not is further judged.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
The foregoing description is only a preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art, who is within the scope of the present invention, should make equivalent substitutions or modifications according to the technical solution of the present invention and the inventive concept thereof, and should be covered by the scope of the present invention.
Claims (4)
1. The credit evaluation method based on the position and the filling behavior data is characterized by comprising the following steps:
step one: acquiring business handling position information, business handling personnel information, gap filling behavior information and business related amount information;
step two: analyzing the business handling position information to obtain a first analysis result;
step three: analyzing the information of the business handling personnel to obtain a second analysis result;
step four: analyzing the gap filling behavior information to obtain a third analysis result;
step five: analyzing the business related amount information to obtain a fourth analysis result;
step six: evaluating the service credit by integrating the first analysis result, the second analysis result, the third analysis result and the fourth analysis result;
step seven: determining whether to send early warning information according to the evaluation result;
the specific process of analyzing the business handling position information to obtain the first analysis result comprises the following steps:
marking the business handling position as P;
determining whether the position of P is at risk, if the position is at risk, indicating that the business handling position is normal, and if the position is at risk, entering the next step;
the number of risk behaviors occurring in the past half year of the business handling position is marked as Q;
if Q is larger than a preset value, the probability of the risk of the business handling position is high, and if Q is smaller than or equal to the preset value, the probability of the risk of the business handling position is low;
the specific process of determining whether the position of the P is at risk is as follows: if P is located in any one of two kilometers of a high school square, a rural area and two kilometers of a train station square, judging that the risk exists in the P, otherwise, if P is not located in any one of two kilometers of the high school square, the rural area and two kilometers of the train station square, judging that the risk does not exist in the P;
the specific process of analyzing the business handling personnel information to obtain the second analysis result comprises the following steps:
acquiring the age, the school and the working years of service transacting staff;
the age, the academic and the working years of the business handling personnel are respectively marked as X, Y, Z;
calculating a weight value of Y, and if the academic Y is primary, setting the corresponding weight value to be 1; if the learning Y is junior middle school, the corresponding weight value is 2; if the learning Y is high and medium, the corresponding weight value is 3; if the academy Y is university, the corresponding weight value is 4; if the academy Y is a study, the corresponding weight value is 5;
calculating a weight value of a reference value v=age+working life+y;
if V is larger than a preset value, the business handling personnel is high in reading, the risk probability is low, and if V is smaller than or equal to the preset value, the business handling personnel is poor in reading, and the risk probability is high;
the specific process of analyzing the gap filling behavior information to obtain the third analysis result is as follows:
acquiring the response time and the modification times of business handling personnel when filling in the data;
the reaction time and the modification times are respectively marked as M, J;
correcting M, J according to the age and the academy of the business transaction personnel;
analyzing whether the business handling personnel have a fake risk according to the correction result;
the specific process of correcting M, J is as follows:
comparing the age X of the service staff with a preset range value, outputting a correction parameter R1=50% if the age X of the service staff is within the preset range value, and entering the next step if the age X of the service staff is not within the preset range value;
if X is greater than the maximum value in the preset range value, calculating a difference K between X and the maximum value in the preset range value, and outputting a correction parameter R1=50% -K2% according to K; if X is smaller than the minimum value in the preset range value, calculating a difference k between X and the minimum value in the preset range value, and outputting a correction parameter R1=50% -k×2% according to k;
outputting a correction parameter r2=50% if the academy of the business handling staff is above the family, and entering the next step if the academy of the business handling staff is below the family;
outputting a correction parameter r2=45% if the business transaction staff's academic is high and medium; outputting a correction parameter r2=40% if the business transaction staff's learning is junior middle school; outputting a correction parameter r2=35% if the business transaction staff's academic is a primary school;
calculating a comprehensive correction parameter rtotal=r1+r2;
calculating the corrected reaction time M and the corrected modification times j, wherein m=Rtotal×M, and j=Rtotal×j;
the specific process for analyzing whether the business handling personnel have the fake risk is as follows:
comparing the acquired corrected response time m with a preset value, and if m is smaller than the preset value, indicating that the response of analysis service staff is quick when filling in the data, and no fake risk exists; if m is greater than or equal to a preset value, indicating that the response of analysis business staff is slow when filling in the data, and the risk of falsification exists;
comparing the acquired modified times j with a preset value, and if j is smaller than the preset value, indicating that the analysis service transacting personnel have fewer errors when filling the data and do not have fake risks; if j is greater than or equal to the preset value, the analysis business clerk makes more mistakes when filling the data, and the risk of falsification exists.
2. The credit evaluation method based on the position and gap-filling behavior data according to claim 1, wherein the specific process of analyzing the business-related amount information to obtain the fourth analysis result is as follows:
acquiring the related amount of the service, and marking the related amount as W;
the amount of each transaction in half a year before is marked as wi, i=1· n;
matching W with wi, if W is matched with any wi, indicating that the amount of money involved in the service is normal funds flowing without risk, and if W is not matched with any wi, entering the next step;
calculate the difference wtiff of wtih with each wi =；
If the W difference is smaller than the preset value, the business related amount is judged to be normal funds flowing without risk, and if the W difference is larger than or equal to the preset value, the business related amount is judged to be abnormal funds flowing with risk.
3. The method for evaluating credit based on position and gap-filling behavior data according to claim 2, wherein the specific process of evaluating the present service credit is as follows:
if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling personnel read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that the business related amount is that the abnormal funds flow risk all occur at the same time, the business credit is evaluated as five grades;
if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling staff read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that any three of the risks of the business related amount being abnormal fund flow occur simultaneously, the business credit is evaluated as a fourth grade;
if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling staff read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that any two of the risks of the business related amount being abnormal fund flow occur simultaneously, the business credit evaluation is three-level;
if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling staff read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that the business related amount is any one of the risks of abnormal fund flow, the business credit is evaluated as a second grade;
and if the first analysis result is that the risk of the business handling position is high, the second analysis result is that the business handling personnel read poorly, the risk probability is high, the third analysis result is that the fake risk exists, the fourth analysis result is that the business related amount is that abnormal fund flow is not present, the credit evaluation of the business is first-level.
4. The method for credit evaluation based on position and gap-filling behavior data according to claim 3, wherein in the seventh step, if the present service credit evaluation is first-level, no early warning information is sent, otherwise, early warning information is sent to a display screen of a bank staff, and the early warning information includes the present service credit evaluation and corresponding first, second, third and fourth analysis results.
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