Risk assessment method, system and device and storage medium

The invention discloses a risk assessment method, system and device and a storage medium, and the method comprises the steps that the risk assessment device obtains a historical loan sample set of a user, and the historical loan sample set comprises a loan record corresponding to each historical loan period; constructing a knowledge graph according to the loan record corresponding to each historical loan period; based on the knowledge graph, determining overdue penalty rate and non-repayment probability values corresponding to each historical loan period; according to the overdue penalty rate and the non-repayment probability value corresponding to each historical loan period, the risk level of the user is judged, and the accuracy of user risk level assessment is improved. 本发明公开了风险评估方法、系统、设备及存储介质，该方法包括：风险评估设备获取用户的历史贷款样本集合，所述历史贷款样本集合包括每个历史贷款期数对应的贷款记录；根据每个所述历史贷款期数对应的贷款记录构建知识图谱；基于所述知识图谱，确定每个所述历史贷款期数对应的逾期罚息和不还款的概率值；根据所述每个所述历史贷款期数对应的逾期罚息和不还款的概率值，判断所述用户的风险等级，提高用户风险等级评估的准确性。