Method and device for determining overdue risk probability, electronic equipment and medium

The invention discloses an overdue risk probability determination method and device, electronic equipment and a medium, and relates to the technical field of financial risks. The specific embodiment of the method comprises the following steps: acquiring historical transaction information of a plural...

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Bibliographische Detailangaben
Hauptverfasser: WANG YIYAN, DAI WANTING, DING SUSU, NIE SHA, LUO YIKANG
Format: Patent
Sprache:chi ; eng
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Beschreibung
Zusammenfassung:The invention discloses an overdue risk probability determination method and device, electronic equipment and a medium, and relates to the technical field of financial risks. The specific embodiment of the method comprises the following steps: acquiring historical transaction information of a plurality of accounts; preprocessing the historical transaction information, and extracting time sequence features of each account; traversing the historical transaction information of each account, searching the accounts with a transaction relationship between the accounts, and constructing graph data of the transaction relationship between the accounts; inputting the graph data and the time sequence features into a graph convolutional neural network to obtain association relationship features among the multiple accounts; and combining the time sequence features and the association relationship features, inputting a feature combination result into a risk prediction model, and determining an overdue risk probability of e