Risk classification management method and device for asset recombination types

The invention provides a risk classification management method and device for asset recombination types. The method comprises the following steps: acquiring a machine evaluation classification result; adjusting the machine evaluation classification result in combination with the asset recombination type, and then updating the machine evaluation classification result of the contract according to the principle of low; setting an automatic clearing factor, identifying the automatic clearing factor, judging the configuration of an automatic clearing type, and if all the contracts of the customer accord with automatic clearing, completing the classification affirmation task and updating the risk classification of all effective borrows under the contract item; otherwise, generating a to-be-processed task, manually selecting risk factors, and updating a machine evaluation classification result according to a manual classification result; and according to finer risk classification of asset recombination, the bank ris