Evaluation method and device for loan risk, equipment and computer readable storage medium

The technical scheme includes: obtaining the loan data of the first user and the first target data in the loan data, inputting the first target data into the preset prediction model, obtaining the result output by the prediction model as the first result, and obtaining the second target data in the loan data of the first user; inputting the second target data into the clustering model to obtain atype to which the first user belongs, which is output by the clustering model, and taking a risk level corresponding to the type to which the first user belongs in advance as a second result; and further obtaining an evaluation result of the loan risk of the first user determined according to the first result and the second result. The borrowing data comprises the multi-head borrowing behavior data of the user, the asset data of the user and the consumption data of the user, so that the borrowing risk of the user is evaluated from multiple perspectives, the evaluation basis is more comprehensive, the accuracy of the e