Loan risk prediction method and system
The invention relates to a loan risk prediction method and system, and belongs to the technical field of financial security, and the method comprises the steps: obtaining loan person information based on an audit result of a loan platform, the loan person information comprising a loan amount and a l...
Gespeichert in:
| Hauptverfasser: | , , , , |
|---|---|
| Format: | Patent |
| Sprache: | chi ; eng |
| Schlagworte: | |
| Online-Zugang: | Volltext bestellen |
| Tags: |
Tag hinzufügen
Keine Tags, Fügen Sie den ersten Tag hinzu!
|
| container_end_page | |
|---|---|
| container_issue | |
| container_start_page | |
| container_title | |
| container_volume | |
| creator | YIN JIANCHAO DUAN AIGUO ZHOU WENDA DAI YONGKE ZHANG LIN |
| description | The invention relates to a loan risk prediction method and system, and belongs to the technical field of financial security, and the method comprises the steps: obtaining loan person information based on an audit result of a loan platform, the loan person information comprising a loan amount and a loan person age; obtaining an age and amount corresponding table, wherein the age and amount corresponding table comprises preset ages and preset loan amounts in one-to-one correspondence with the preset ages; matching the loan person age with a preset age, and obtaining a matching result; acquiring a preset loan amount as an early warning amount based on a matching result; judging whether the loan amount is greater than the early warning amount, and obtaining a first judgment result; if the first judgment result is negative, generating a safety prompt; and if the first judgment result is yes, generating an early warning prompt. The method has the effects of improving the monitoring strength of the loan platform, im |
| format | Patent |
| fullrecord | <record><control><sourceid>epo_EVB</sourceid><recordid>TN_cdi_epo_espacenet_CN114463112A</recordid><sourceformat>XML</sourceformat><sourcesystem>PC</sourcesystem><sourcerecordid>CN114463112A</sourcerecordid><originalsourceid>FETCH-epo_espacenet_CN114463112A3</originalsourceid><addsrcrecordid>eNrjZFDzyU_MUyjKLM5WKChKTclMLsnMz1PITS3JyE9RSMxLUSiuLC5JzeVhYE1LzClO5YXS3AyKbq4hzh66qQX58anFBYnJqXmpJfHOfoaGJiZmxoaGRo7GxKgBAGTcJ2g</addsrcrecordid><sourcetype>Open Access Repository</sourcetype><iscdi>true</iscdi><recordtype>patent</recordtype></control><display><type>patent</type><title>Loan risk prediction method and system</title><source>esp@cenet</source><creator>YIN JIANCHAO ; DUAN AIGUO ; ZHOU WENDA ; DAI YONGKE ; ZHANG LIN</creator><creatorcontrib>YIN JIANCHAO ; DUAN AIGUO ; ZHOU WENDA ; DAI YONGKE ; ZHANG LIN</creatorcontrib><description>The invention relates to a loan risk prediction method and system, and belongs to the technical field of financial security, and the method comprises the steps: obtaining loan person information based on an audit result of a loan platform, the loan person information comprising a loan amount and a loan person age; obtaining an age and amount corresponding table, wherein the age and amount corresponding table comprises preset ages and preset loan amounts in one-to-one correspondence with the preset ages; matching the loan person age with a preset age, and obtaining a matching result; acquiring a preset loan amount as an early warning amount based on a matching result; judging whether the loan amount is greater than the early warning amount, and obtaining a first judgment result; if the first judgment result is negative, generating a safety prompt; and if the first judgment result is yes, generating an early warning prompt. The method has the effects of improving the monitoring strength of the loan platform, im</description><language>chi ; eng</language><subject>CALCULATING ; COMPUTING ; COUNTING ; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ; PHYSICS ; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><creationdate>2022</creationdate><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktohtml>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20220510&DB=EPODOC&CC=CN&NR=114463112A$$EHTML$$P50$$Gepo$$Hfree_for_read</linktohtml><link.rule.ids>230,308,776,881,25542,76289</link.rule.ids><linktorsrc>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20220510&DB=EPODOC&CC=CN&NR=114463112A$$EView_record_in_European_Patent_Office$$FView_record_in_$$GEuropean_Patent_Office$$Hfree_for_read</linktorsrc></links><search><creatorcontrib>YIN JIANCHAO</creatorcontrib><creatorcontrib>DUAN AIGUO</creatorcontrib><creatorcontrib>ZHOU WENDA</creatorcontrib><creatorcontrib>DAI YONGKE</creatorcontrib><creatorcontrib>ZHANG LIN</creatorcontrib><title>Loan risk prediction method and system</title><description>The invention relates to a loan risk prediction method and system, and belongs to the technical field of financial security, and the method comprises the steps: obtaining loan person information based on an audit result of a loan platform, the loan person information comprising a loan amount and a loan person age; obtaining an age and amount corresponding table, wherein the age and amount corresponding table comprises preset ages and preset loan amounts in one-to-one correspondence with the preset ages; matching the loan person age with a preset age, and obtaining a matching result; acquiring a preset loan amount as an early warning amount based on a matching result; judging whether the loan amount is greater than the early warning amount, and obtaining a first judgment result; if the first judgment result is negative, generating a safety prompt; and if the first judgment result is yes, generating an early warning prompt. The method has the effects of improving the monitoring strength of the loan platform, im</description><subject>CALCULATING</subject><subject>COMPUTING</subject><subject>COUNTING</subject><subject>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</subject><subject>PHYSICS</subject><subject>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><fulltext>true</fulltext><rsrctype>patent</rsrctype><creationdate>2022</creationdate><recordtype>patent</recordtype><sourceid>EVB</sourceid><recordid>eNrjZFDzyU_MUyjKLM5WKChKTclMLsnMz1PITS3JyE9RSMxLUSiuLC5JzeVhYE1LzClO5YXS3AyKbq4hzh66qQX58anFBYnJqXmpJfHOfoaGJiZmxoaGRo7GxKgBAGTcJ2g</recordid><startdate>20220510</startdate><enddate>20220510</enddate><creator>YIN JIANCHAO</creator><creator>DUAN AIGUO</creator><creator>ZHOU WENDA</creator><creator>DAI YONGKE</creator><creator>ZHANG LIN</creator><scope>EVB</scope></search><sort><creationdate>20220510</creationdate><title>Loan risk prediction method and system</title><author>YIN JIANCHAO ; DUAN AIGUO ; ZHOU WENDA ; DAI YONGKE ; ZHANG LIN</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-epo_espacenet_CN114463112A3</frbrgroupid><rsrctype>patents</rsrctype><prefilter>patents</prefilter><language>chi ; eng</language><creationdate>2022</creationdate><topic>CALCULATING</topic><topic>COMPUTING</topic><topic>COUNTING</topic><topic>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</topic><topic>PHYSICS</topic><topic>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</topic><toplevel>online_resources</toplevel><creatorcontrib>YIN JIANCHAO</creatorcontrib><creatorcontrib>DUAN AIGUO</creatorcontrib><creatorcontrib>ZHOU WENDA</creatorcontrib><creatorcontrib>DAI YONGKE</creatorcontrib><creatorcontrib>ZHANG LIN</creatorcontrib><collection>esp@cenet</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext_linktorsrc</fulltext></delivery><addata><au>YIN JIANCHAO</au><au>DUAN AIGUO</au><au>ZHOU WENDA</au><au>DAI YONGKE</au><au>ZHANG LIN</au><format>patent</format><genre>patent</genre><ristype>GEN</ristype><title>Loan risk prediction method and system</title><date>2022-05-10</date><risdate>2022</risdate><abstract>The invention relates to a loan risk prediction method and system, and belongs to the technical field of financial security, and the method comprises the steps: obtaining loan person information based on an audit result of a loan platform, the loan person information comprising a loan amount and a loan person age; obtaining an age and amount corresponding table, wherein the age and amount corresponding table comprises preset ages and preset loan amounts in one-to-one correspondence with the preset ages; matching the loan person age with a preset age, and obtaining a matching result; acquiring a preset loan amount as an early warning amount based on a matching result; judging whether the loan amount is greater than the early warning amount, and obtaining a first judgment result; if the first judgment result is negative, generating a safety prompt; and if the first judgment result is yes, generating an early warning prompt. The method has the effects of improving the monitoring strength of the loan platform, im</abstract><oa>free_for_read</oa></addata></record> |
| fulltext | fulltext_linktorsrc |
| identifier | |
| ispartof | |
| issn | |
| language | chi ; eng |
| recordid | cdi_epo_espacenet_CN114463112A |
| source | esp@cenet |
| subjects | CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR |
| title | Loan risk prediction method and system |
| url | https://sfx.bib-bvb.de/sfx_tum?ctx_ver=Z39.88-2004&ctx_enc=info:ofi/enc:UTF-8&ctx_tim=2025-02-09T15%3A51%3A39IST&url_ver=Z39.88-2004&url_ctx_fmt=infofi/fmt:kev:mtx:ctx&rfr_id=info:sid/primo.exlibrisgroup.com:primo3-Article-epo_EVB&rft_val_fmt=info:ofi/fmt:kev:mtx:patent&rft.genre=patent&rft.au=YIN%20JIANCHAO&rft.date=2022-05-10&rft_id=info:doi/&rft_dat=%3Cepo_EVB%3ECN114463112A%3C/epo_EVB%3E%3Curl%3E%3C/url%3E&disable_directlink=true&sfx.directlink=off&sfx.report_link=0&rft_id=info:oai/&rft_id=info:pmid/&rfr_iscdi=true |