[summary of the invention]
The embodiment of the invention provides a kind of loan risk evaluation method and device, terminal and computer-readable storage mediumsMatter, it is intended to solve the low technical problem of loan risk evaluation accuracy in the related technology, be capable of providing one kind and provide a loan automaticallyThe scheme of risk assessment, to promote the efficiency and accuracy of loan risk evaluation.
In a first aspect, the embodiment of the invention provides a kind of loan risk evaluation methods, comprising: obtain the wind of target userDangerous evaluation type, wherein the risk assessment type includes evaluation before loan and assesses after borrowing；According to the risk assessment type,Select corresponding loan risk evaluation model；The common reserve fund for obtaining the target user pays information；According to the credit riskAssessment models and the common reserve fund pay information, calculate loan risk evaluation result.
In the above embodiment of the present invention, optionally, it is described obtain target user risk assessment type the step of itBefore, further includes: obtain rule setting information；According to the rule setting information, commented for loan risk evaluation model settingEstimate rule, wherein the evaluation before loan is corresponding with evaluation before loan rule, and assessment assesses rule after being corresponding with loan after the loan.
In the above embodiment of the present invention, optionally, it includes paying total duration, paying total gold that the common reserve fund, which pays information,Volume, single pay the time, single pays the amount of money, turn over unit and pay ratio.
In the above embodiment of the present invention, optionally, the evaluation before loan rule include: calculate predetermined total duration with it is describedFirst difference for paying total duration of target user；It calculates predetermined total amount and the described of the target user pays total goldSecond difference of volume；The time is paid according to the single of the target user and the single pays the amount of money, determines institute respectivelyIt states the postponement number of target user and pays insufficient number；If being paid in total duration according to the target user describedUnit is turned over described in dry, calculates the job-hopping frequency of the target user；Paid according to the target user ratio andThe single pays the amount of money, calculates the monthly income number of the target user；According to the monthly income number, the target is calculatedUser is in the monthly income change rate paid in total duration；By first difference, second difference, the postponementNumber, insufficient number, the job-hopping frequency and the monthly income change rate paid obtain pair respectively multiplied by corresponding risk factorThe percentage risk answered；By first difference, second difference, the postponement number, it is described pay insufficient number,Job-hopping frequency percentage risk corresponding with monthly income change rate is added, and obtains risk assessment value before borrowing.
In the above embodiment of the present invention, optionally, after the loan assessing rule includes: to be borrowed according to the target userSingle pays the amount of money during single pays time and loan during money, delays to pay during determining the loan of the target user respectivelyReceive number and loan during pay insufficient number；Unit is turned over according to several during loan of the target user,It job-hops during the loan for calculating the target user frequency；According to paying ratio and the loan during the loan of the target userSingle pays the amount of money during money, calculates monthly income number during the loan of the target user；It is received according to the moon during the loanEnter number, calculates monthly income change rate during the loan of the target user；By postponement number during the loan, describedIt job-hops during paying insufficient number, the loan during loan frequency, monthly income number and the loan phase during the loanBetween monthly income change rate respectively multiplied by corresponding risk factor, obtain corresponding percentage risk；By the postponement number,It is described pay insufficient number, job-hopping frequency percentage risk corresponding with monthly income change rate is added, obtain first threshold；By risk assessment value before the loan of the target user multiplied by predetermined ratio, second threshold is obtained；Calculate the first thresholdWith the difference of the second threshold, as risk assessment value after loan.
Second aspect, the embodiment of the invention provides a kind of loan risk evaluation devices, comprising: risk assessment type obtainsUnit, for obtaining the risk assessment type of target user, wherein the risk assessment type includes evaluation before loan and comments after borrowingEstimate；Risk evaluation model selecting unit, for selecting corresponding loan risk evaluation model according to the risk assessment type；Common reserve fund pays information acquisition unit, and the common reserve fund for obtaining the target user pays information；Loan risk evaluation unit,For paying information according to the loan risk evaluation model and the common reserve fund, loan risk evaluation result is calculated.
In the above embodiment of the present invention, optionally, further includes: rule setting information acquisition unit, in the windBefore dangerous evaluation type acquiring unit obtains the risk assessment type of the target user, rule setting information is obtained；Rule setting unit is assessed, for assessing rule for loan risk evaluation model setting according to the rule setting information,Wherein, the evaluation before loan is corresponding with evaluation before loan rule, and assessment assesses rule after being corresponding with loan after the loan.
In the above embodiment of the present invention, optionally, it includes paying total duration, paying total gold that the common reserve fund, which pays information,Volume, single pay the time, single pays the amount of money, turn over unit and pay ratio.
In the above embodiment of the present invention, optionally, the evaluation before loan rule include: calculate predetermined total duration with it is describedFirst difference for paying total duration of target user；It calculates predetermined total amount and the described of the target user pays total goldSecond difference of volume；The time is paid according to the single of the target user and the single pays the amount of money, determines institute respectivelyIt states the postponement number of target user and pays insufficient number；If being paid in total duration according to the target user describedUnit is turned over described in dry, calculates the job-hopping frequency of the target user；Paid according to the target user ratio andThe single pays the amount of money, calculates the monthly income number of the target user；According to the monthly income number, the target is calculatedUser is in the monthly income change rate paid in total duration；By first difference, second difference, the postponementNumber, insufficient number, the job-hopping frequency and the monthly income change rate paid obtain pair respectively multiplied by corresponding risk factorThe percentage risk answered；By first difference, second difference, the postponement number, it is described pay insufficient number,Job-hopping frequency percentage risk corresponding with monthly income change rate is added, and obtains risk assessment value before borrowing.
In the above embodiment of the present invention, optionally, after the loan assessing rule includes: to be borrowed according to the target userSingle pays the amount of money during single pays time and loan during money, delays to pay during determining the loan of the target user respectivelyReceive number and loan during pay insufficient number；Unit is turned over according to several during loan of the target user,It job-hops during the loan for calculating the target user frequency；According to paying ratio and the loan during the loan of the target userSingle pays the amount of money during money, calculates monthly income number during the loan of the target user；It is received according to the moon during the loanEnter number, calculates monthly income change rate during the loan of the target user；By postponement number during the loan, describedIt job-hops during paying insufficient number, the loan during loan frequency, monthly income number and the loan phase during the loanBetween monthly income change rate respectively multiplied by corresponding risk factor, obtain corresponding percentage risk；By the postponement number,It is described pay insufficient number, job-hopping frequency percentage risk corresponding with monthly income change rate is added, obtain first threshold；By risk assessment value before the loan of the target user multiplied by predetermined ratio, second threshold is obtained；Calculate the first thresholdWith the difference of the second threshold, as risk assessment value after loan.
The third aspect, the embodiment of the invention provides a kind of terminals, comprising: at least one processor；And with it is described extremelyThe memory of few processor communication connection；Wherein, the memory, which is stored with, to be executed by least one described processorInstruction, described instruction is arranged to be used for executing method described in any one of above-mentioned first aspect.
Fourth aspect, the embodiment of the invention provides a kind of computer readable storage mediums, and it is executable to be stored with computerInstruction, the computer executable instructions are for executing method flow described in any one of above-mentioned first aspect.
It can for the low technical problem of loan risk evaluation accuracy in the related technology by above technical schemeA kind of automatic scheme for carrying out loan risk evaluation is provided, to promote the efficiency and accuracy of loan risk evaluation.
Specifically, it can judge whether target user is in loan status by target user personal information etc., ifTarget user is in loan status, then illustrating, which should be at this time after target user borrows, assesses, i.e. the risk assessment of target userType is to assess after borrowing；If target user is not in loan status, illustrate that target user not yet provides a loan at this time, Ying JinhangEvaluation before loan, i.e. the risk assessment type of target user are evaluation before loan.Assessment has respectively corresponded respectively after evaluation before loan and loanLoan risk evaluation model, since the factor for influencing loan qualification is different with the influence factor of loan repayment capacity, therefore evaluation before loanLoan risk evaluation model and risk assessment rule after borrowing in the loan risk evaluation model assessed it is different.
Often only carry out evaluation before loan in the related art, to judge whether user has loan qualification, however, toAfter family is made loans, the income situation of user is likely to change, and for debt transferor, still has greater risk,And the risk is different from the risk faced when the loan qualification for borrowing preceding verifying user, therefore, in the technical scheme, joinedIt is assessed after loan, to monitor the loan repayment capacity and risk of user during user refunds.
Then, the common reserve fund of target user can be paid to the corresponding loan risk evaluation model of information input, pass through loanLoan risk evaluation result is calculated in assessment rule in risk evaluation model, wherein assessment rule can be according to actual needsCarry out flexible setting and change.Under normal circumstances, often relatively stable and of certain scale work unit just can be employeeCommon reserve fund is carried out to pay, thus the common reserve fund of user pay situation paid than social security in the related technology, the rigid item such as amount receivedPart can more embody the income degree of stability of user.Therefore, common reserve fund is paid what information was assessed as evaluation before loan and after borrowingFoundation, the validity of assessment result after evaluation before loan result can be further increased and borrowed.
By above technical scheme, assessed after increasing loan, convenient for obtaining refund during user is in refund in timeThe variation of ability keeps loan transferor more perfect to the control of credit risk, meanwhile, common reserve fund is had chosen as loan valuationFoundation, improve the reliability of loan valuation result, further, also commented based on loan risk evaluation model realization loanThe automation estimated saves Manpower Estimate's cost, and improves the reliability of assessment result.
[specific embodiment]
For a better understanding of the technical solution of the present invention, being retouched in detail to the embodiment of the present invention with reference to the accompanying drawingIt states.
It will be appreciated that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.BaseEmbodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all itsIts embodiment, shall fall within the protection scope of the present invention.
The term used in embodiments of the present invention is only to be not intended to be limiting merely for for the purpose of describing particular embodimentsThe present invention.In the embodiment of the present invention and the "an" of singular used in the attached claims, " described " and "the"It is also intended to including most forms, unless the context clearly indicates other meaning.
Fig. 1 shows the flow chart of the loan risk evaluation method of one embodiment of the present of invention.
As shown in Figure 1, the process of the loan risk evaluation method of one embodiment of the present of invention includes:
Step 102, the risk assessment type of target user is obtained, wherein the risk assessment type includes evaluation before loanIt is assessed with after loan.
Specifically, it can judge whether target user is in loan status by target user personal information etc., ifTarget user is in loan status, then illustrating, which should be at this time after target user borrows, assesses, i.e. the risk assessment of target userType is to assess after borrowing；If target user is not in loan status, illustrate that target user not yet provides a loan at this time, Ying JinhangEvaluation before loan, i.e. the risk assessment type of target user are evaluation before loan.
Step 104, according to the risk assessment type, corresponding loan risk evaluation model is selected.
Assessment has respectively corresponded respective loan risk evaluation model after evaluation before loan and loan, due to influencing loan qualificationFactor is different from the factor of loan repayment capacity is influenced, therefore the credit risk assessed after the loan risk evaluation model of evaluation before loan and loanRisk assessment rule in assessment models is different.
Often only carry out evaluation before loan in the related art, to judge whether user has loan qualification, however, toAfter family is made loans, the income situation of user is likely to change, and for debt transferor, still has greater risk,And the risk is different from the risk faced when the loan qualification for borrowing preceding verifying user, therefore, in the technical scheme, joinedIt is assessed after loan, to monitor the loan repayment capacity and risk of user during user refunds.
Step 106, the common reserve fund for obtaining the target user pays information.The common reserve fund pays informationIn pay total duration, pay total amount, single pays the time, single pays the amount of money, turn over unit and pays ratio, these public affairs productGold pays information can be in the ability to work of respective dimension embodiment target user, income, income situation of change etc., and it is accurate to facilitateCarry out loan valuation.Diversified common reserve fund pays the stabilization journey that information can be paid in the common reserve fund that multiple dimensions embody userAbility is spent and paid, to provide the Rule of judgment of multiple dimensions for risk assessment, helps to promote risk evaluation resultAccuracy.
Under normal circumstances, often relatively stable and of certain scale work unit just can carry out common reserve fund for employee and payReceive, thus the common reserve fund of user pay situation paid than social security in the related technology, the rigid condition such as amount received, can more embodyThe income degree of stability of user.Therefore, common reserve fund is paid into the foundation that information is assessed as evaluation before loan and after borrowing, it can be into oneThe validity of assessment result after step increases evaluation before loan result and borrows.
Step 108, information is paid according to the loan risk evaluation model and the common reserve fund, calculates loan risk evaluationAs a result.
The common reserve fund of target user is paid into the corresponding loan risk evaluation model of information input, passes through loan risk evaluationLoan risk evaluation result is calculated in assessment rule in model, wherein assessment rule can carry out flexibly according to actual needsSetting and change.
By above technical scheme, assessed after increasing loan, convenient for obtaining refund during user is in refund in timeThe variation of ability keeps loan transferor more perfect to the control of credit risk, meanwhile, common reserve fund is had chosen as loan valuationFoundation, improve the reliability of loan valuation result, further, also commented based on loan risk evaluation model realization loanThe automation estimated saves Manpower Estimate's cost, and improves the reliability of assessment result.
Before step 102, need to assess rule for different loan risk evaluation model settings, specifically, comprising:Obtain rule setting information；It is regular for loan risk evaluation model setting assessment according to the rule setting information,In, the evaluation before loan is corresponding with evaluation before loan rule, and assessment assesses rule after being corresponding with loan after the loan.Evaluation before loan ruleFlexible setting and change can be all carried out according to actual needs with rule is assessed after loan.After making loans user, the receipts of userEnter situation to be likely to change, therefore, borrowing the risk that front is faced is to verify the loan qualification of user, and borrowing the risk faced below isVerify whether user persistently has loan repayment capacity, the assessment content of the two is different, therefore, borrows front for accurate evaluation and facesRisk and borrow the risk faced below, need to be respectively evaluation before loan and that the different assessment of setting is assessed after borrowing is regular.
In a kind of implementation of the invention, system provides the setting of many kinds of parameters of assessment rule, and user passes through defeatedEnter information or selected to come many kinds of parameters of manual setting assessment rule in the information that system provides, to adapt to the reality of userBorder demand.
It, can be according to user's due to the information such as the occupation of user, age difference in another implementation of the inventionThe information such as occupation, age are respectively that a set of assessment parameter of regularity, and the occupation by system according to user, year is arranged in different user groupThe information such as age select a set of assessment rule for this user in predetermined more set assessment parameter of regularity, to reduce user's operation,Promote the convenience and crowd's adaptability of loan valuation.
Below on the basis of Fig. 1 embodiment, regular borrowing is assessed to evaluation before loan rule and after borrowing by Fig. 2 and Fig. 3Application in money risk assessment is described in detail respectively.
As shown in Fig. 2, the process of the loan risk evaluation method of another embodiment of the invention, comprising:
Step 202, when the risk assessment type of target user is evaluation before loan, it is total to obtain paying for the target userDuration, pay total amount, single pays the time, single pays the amount of money, turn over unit and pays ratio.
Step 204, predetermined total duration and first difference for paying total duration of the target user are calculated.
Predetermined total duration has high-quality the minimum of repaying ability for target user and pays total duration, in paying for target userIn the case that total duration is greater than or equal to predetermined total duration, illustrate that user has high-quality repaying ability, at this point, the first difference is negativeNumber can generate weakening to risk assessment value before final loan.Conversely, paying total duration less than predetermined total duration in target userIn the case where, illustrate that user does not have high-quality repaying ability, at this point, the first difference is positive number, risk before final loan can be commentedValuation generates reinforcement.
For example, predetermined total duration is 3 years, the total duration of paying of target user is six months 2 years, i.e., 2.5 years, then firstDifference is 0.5.
Step 206, predetermined total amount and second difference for paying total amount of the target user are calculated.
Predetermined total amount has high-quality the minimum of repaying ability for target user and pays total amount, in paying for target userIn the case that total amount is greater than or equal to predetermined total amount, illustrate that user has high-quality repaying ability, at this point, the second difference is negativeNumber can generate weakening to risk assessment value before final loan.Conversely, paying total amount less than predetermined total amount in target userIn the case where, illustrate that user does not have high-quality repaying ability, at this point, the second difference is positive number, risk before final loan can be commentedValuation generates reinforcement.
For example, single predetermined total amount is 3.6 ten thousand yuan, the total amount of paying of target user is 30,000 yuan, then the second difference is0.6 ten thousand.
Step 208, the time is paid according to the single of the target user and the single pays the amount of money, determined respectivelyThe postponement number of the target user and pay insufficient number.
The single of January in office is paid single in the time and is paid if the amount of money is 0, illustrates that target user disconnected pays in this monthCommon reserve fund is primary, and it is that twice, and it is that single pays the amount of money twice of last month, then says that in one's duty single in January in office, which pays the time,Bright target user is primary in this month postponement common reserve fund.The postponement number of target user and to pay insufficient number more,Illustrate that the stability of its work income is poorer.Postponement number and to pay insufficient number be zero or positive number, when being zero to loan beforeRisk assessment value can increase risk when being positive number without influence, generate reinforcement to risk assessment value before final loan.
For example, it is 0 that target user, which paid the namely disconnected number of paying of insufficient number in 2.5 years, postponement number is 1 time.
Step 210, unit is turned in described pay according to the target user described in several in total duration, calculates instituteState the job-hopping frequency of target user.
Unit is more paying turning in total duration by target user, illustrates that the stability of its work is poorer, more it is possible thatInfluence its repaying stability.Therefore job-hopping frequency is positive number, can increase risk, generates reinforcement to risk assessment value before final loan.
For example, target user is paying in total duration 2.5 years tool there are two unit is turned over, illustrate its frequency of job-hoping be 1 time/2.5 years, that is, 0.4 times/year.
Step 212, ratio is paid according to the target user and the single pays the amount of money, calculates the targetThe monthly income number of user.
It is higher that the single of target user pays the amount of money, and pays that ratio is higher, illustrates that the income of target user is higher, explanationThe repaying ability of user is more secure.Conversely, it is lower then to illustrate that the repaying ability of target user ensures.
For example, it was 0.1 ten thousand yuan that the single of target user, which pays the amount of money, in 2.5 years First Years, ratio of paying is 0.2, thenThe monthly income number for illustrating user is 0.5 ten thousand, is risen in 2.5 years second years, and user's job-hopping is primary, and single, which pays the amount of money, to be become0.12 ten thousand yuan, ratio of paying is 0.2, then illustrates that the monthly income number of user rises to 0.6 ten thousand.
Step 214, according to the monthly income number, the target user is calculated in the monthly income paid in total durationChange rate.According to examples detailed above, it is 1.2 that target user, which is calculated, in the monthly income change rate for paying total duration.
Step 216, by first difference, second difference, the postponement number, described pay insufficient timeSeveral, the described job-hopping frequency and monthly income change rate obtain corresponding percentage risk respectively multiplied by corresponding risk factor.
For example, setting first difference, second difference, the postponement number, it is described pay insufficient number,The job-hopping frequency and the corresponding risk factor of monthly income change rate are respectively 0.15,0.2,0.25,0.4,0.2, -0.2, correspondingRisk factor absolute value it is bigger, illustrate that its influence to risk assessment value before borrowing is bigger.
Step 218, by first difference, second difference, the postponement number, described pay insufficient timeSeveral, described job-hopping frequency percentage risk corresponding with monthly income change rate is added, and obtains risk assessment value before borrowing.According to above-mentionedExample, calculating 0.15*0.5+0.2*0.6+0.25*1+0.4*0+0.2*0.4+ (- 0.2) * 1.2 obtain risk assessment value before borrowing and are0.285。
In addition, high risk range, low-risk range and high-quality repaying limit of power can be set to borrow preceding risk assessment value, it is highRisk range, low-risk range and high-quality repaying limit of power be respectively less than 0.5, more than or equal to 0.5 and less than 1, be greater thanOr it is equal to 1.Risk assessment value 0.285 belongs to high risk range before then borrowing in examples detailed above.
By above-mentioned evaluation before loan rule, it can effectively evaluate whether target user there is enough abilities to repay the loan, mentionThe reliability of loan valuation result is risen.
Fig. 3 shows the flow chart of the loan risk evaluation method of yet another embodiment of the present invention.
As shown in figure 3, the process of the loan risk evaluation method of yet another embodiment of the present invention includes:
Step 302, when the risk assessment type of target user is evaluation before loan, the single for obtaining the target user is paidDeposit the time, single pays the amount of money, turn over unit and pays ratio.
Step 304, single pays the amount of money during according to the target user, single pays time and loan during loan,Insufficient number is paid during postponement number and loan during determining the loan of the target user respectively.
Time interval due to this to assess after loan, therefore assessing is determining, is that target user starts the month repaidTo current month.The single of January in office pay single in the time pay the amount of money be 0 if, illustrate target user in this monthDisconnected common reserve fund of paying is primary, and it is that twice, and single pays twice that the amount of money is last month that in one's duty single in January in office, which pays the time,Then illustrate that target user is primary in this month postponement common reserve fund.It the postponement number of target user and pays insufficient number and gets overIt is more, illustrate that the stability of its work income is poorer.Postponement number and to pay insufficient number be zero or positive number, to loan when being zeroRisk assessment value is without influence afterwards, and can increase user when being positive number can not continue loan returning risk, to risk assessment value after final loanGenerate reinforcement.
For example, target user pays the namely disconnected number of paying of insufficient number from repaying in 2 years so far be 0, postponementNumber is 1 time.
Step 306, unit is turned over described in several according to the target user during loan, calculates the target and usesIt job-hops during the loan at family frequency.
Unit is more for target user's turning over during repaying, illustrates that the stability of its work is poorer, is more possible to influenceIts repaying stability.Therefore job-hopping frequency is positive number, can increase risk, generates reinforcement to risk assessment value after final loan.
For example, tool illustrates that its frequency of job-hoping is 1 time/2 years there are two unit is turned over to target user in 2 years from repaying,It is exactly 0.5 times/year.
Step 308, the amount of money is paid according to single during paying ratio and the loan during the loan of the target user,Calculate monthly income number during the loan of the target user.
Step 310, according to monthly income number during the loan, monthly income becomes during calculating the loan of the target userRate.
It is higher that the single of target user pays the amount of money, and pays that ratio is higher, illustrates that the income of target user is higher, explanationThe repaying ability of user is more secure.Conversely, it is lower then to illustrate that the repaying ability of target user ensures.For example, repaying 2 yearsFirst Year, it is 0.1 ten thousand yuan that the single of target user, which pays the amount of money, and ratio of paying is 0.2, then illustrates that the monthly income number of user is0.5 ten thousand, in the second year repaid 2 years, user's job-hopping is primary, and single, which pays the amount of money, becomes 0.12 ten thousand yuan, and ratio of paying is 0.2,Then illustrate that the monthly income number of user rises to 0.6 ten thousand, finally, monthly income variation of the target user during repaying is calculatedRate is 1.2.
Step 312, insufficient number, the loan will be paid during postponement number, the loan during the loanPeriod job-hop frequency, during the loan during monthly income number and the loan monthly income change rate respectively multiplied by corresponding windDangerous coefficient obtains corresponding percentage risk.
It job-hops frequently during paying insufficient number, the loan during the loan during postponement number, the loanDuring rate, the loan during monthly income number and the loan the corresponding risk factor of monthly income change rate be respectively 0.2,0.4,0.15, -0.2, the absolute value of corresponding risk factor is bigger, illustrates that its influence to risk assessment value after loan is bigger.
Step 314, the postponement number, insufficient number, the job-hopping frequency and the monthly income paid are changedThe corresponding percentage risk of rate is added, and obtains first threshold.
According to examples detailed above, calculating 0.2*1+0.4*0+0.15*0.5+ (- 0.2) * 1.2 and obtaining first threshold is 0.035.
Step 316, risk assessment value before the loan of the target user is obtained into second threshold multiplied by predetermined ratio.Predetermined ratio may be configured as 0.12, calculates 0.12*0.285 (calculated result from Fig. 2 embodiment) and obtains second threshold.
The calculating to risk assessment value after loan is added in risk assessment value before borrowing, and can efficiently use in preceding calculated result,In conjunction with risk before loan and after borrowing, risk assesses the loan repayment capacity after of user together, facilitates the meter of risk assessment value after promotion is borrowedAccuracy is calculated, convenient for reducing credit risk.
Step 318, the difference for calculating the first threshold Yu the second threshold, as risk assessment value after loan.According toExamples detailed above, is calculated first threshold and second threshold is 0.0008, i.e. first threshold is greater than second threshold, illustrates that target is usedThe job stability and/or income level at family are increased after loan, but based on risk assessment value 0.0008 after borrowing it is found that targetThe job stability of user and/or the growth of income level are considerably less, and loan repayment capacity is still in more beneath level after borrowing.
By above technical scheme, risk assessment value is effectively embodied after capable of calculating loan in conjunction with preceding risk assessment value is borrowedThe change direction and amplitude of variation of the repaying ability of target user facilitate further the repaying feelings of control target user in timeCondition makes risk resolution strategy, to reduce credit risk.
Fig. 4 shows the block diagram of the loan risk evaluation device of one embodiment of the present of invention.
As shown in figure 4, the loan risk evaluation device 400 of one embodiment of the present of invention includes: that risk assessment type obtainsUnit 402 is taken, for obtaining the risk assessment type of target user, wherein the risk assessment type include evaluation before loan andIt is assessed after loan；Risk evaluation model selecting unit 404, for selecting corresponding credit risk according to the risk assessment typeAssessment models；Common reserve fund pays information acquisition unit 406, and the common reserve fund for obtaining the target user pays information；LoanRisk assessment unit 408 calculates credit risk for paying information according to the loan risk evaluation model and the common reserve fundAssessment result.
In the above embodiment of the present invention, optionally, further includes: rule setting information acquisition unit, in the windBefore dangerous evaluation type acquiring unit 402 obtains the risk assessment type of the target user, rule setting letter is obtainedBreath；Rule setting unit is assessed, for assessing rule for loan risk evaluation model setting according to the rule setting informationThen, wherein the evaluation before loan is corresponding with evaluation before loan rule, and assessment assesses rule after being corresponding with loan after the loan.
In the above embodiment of the present invention, optionally, it includes paying total duration, paying total gold that the common reserve fund, which pays information,Volume, single pay the time, single pays the amount of money, turn over unit and pay ratio.
In the above embodiment of the present invention, optionally, the evaluation before loan rule include: calculate predetermined total duration with it is describedFirst difference for paying total duration of target user；It calculates predetermined total amount and the described of the target user pays total goldSecond difference of volume；The time is paid according to the single of the target user and the single pays the amount of money, determines institute respectivelyIt states the postponement number of target user and pays insufficient number；If being paid in total duration according to the target user describedUnit is turned over described in dry, calculates the job-hopping frequency of the target user；Paid according to the target user ratio andThe single pays the amount of money, calculates the monthly income number of the target user；According to the monthly income number, the target is calculatedUser is in the monthly income change rate paid in total duration；By first difference, second difference, the postponementNumber, insufficient number, the job-hopping frequency and the monthly income change rate paid obtain pair respectively multiplied by corresponding risk factorThe percentage risk answered；By first difference, second difference, the postponement number, it is described pay insufficient number,Job-hopping frequency percentage risk corresponding with monthly income change rate is added, and obtains risk assessment value before borrowing.
In the above embodiment of the present invention, optionally, after the loan assessing rule includes: to be borrowed according to the target userSingle pays the amount of money during single pays time and loan during money, delays to pay during determining the loan of the target user respectivelyReceive number and loan during pay insufficient number；Unit is turned over according to several during loan of the target user,It job-hops during the loan for calculating the target user frequency；According to paying ratio and the loan during the loan of the target userSingle pays the amount of money during money, calculates monthly income number during the loan of the target user；It is received according to the moon during the loanEnter number, calculates monthly income change rate during the loan of the target user；By postponement number during the loan, describedIt job-hops during paying insufficient number, the loan during loan frequency, monthly income number and the loan phase during the loanBetween monthly income change rate respectively multiplied by corresponding risk factor, obtain corresponding percentage risk；By the postponement number,It is described pay insufficient number, job-hopping frequency percentage risk corresponding with monthly income change rate is added, obtain first threshold；By risk assessment value before the loan of the target user multiplied by predetermined ratio, second threshold is obtained；Calculate the first thresholdWith the difference of the second threshold, as risk assessment value after loan.
The loan risk evaluation device 400 is using scheme described in any one of embodiment shown in Fig. 1 to Fig. 3, therefore,With above-mentioned all technical effects, details are not described herein.
Fig. 5 shows the block diagram of the terminal of one embodiment of the present of invention.
As shown in figure 5, the terminal 500 of one embodiment of the present of invention, including at least one processor 502；And with instituteState the processor 504 of the communication connection of at least one processor 502；Wherein, the memory be stored with can by it is described at least oneThe instruction that processor 504 executes, described instruction are arranged to be used for executing above-mentioned Fig. 1 to described in any one of Fig. 3 embodimentScheme.Therefore, which has and Fig. 1 is to the identical technical effect of any one of Fig. 3 embodiment, and details are not described herein.
The terminal of the embodiment of the present invention exists in a variety of forms, including but not limited to:
(1) mobile communication equipment: the characteristics of this kind of equipment is that have mobile communication function, and to provide speech, dataCommunication is main target.This Terminal Type includes: smart phone (such as iPhone), multimedia handset, functional mobile phone and lowHold mobile phone etc..
(2) super mobile personal computer equipment: this kind of equipment belongs to the scope of personal computer, there is calculating and processing functionCan, generally also have mobile Internet access characteristic.This Terminal Type includes: PDA, MID and UMPC equipment etc., such as iPad.
(3) portable entertainment device: this kind of equipment can show and play multimedia content.Such equipment include: audio,Video player (such as iPod), handheld device, e-book and intelligent toy and portable car-mounted navigation equipment.
(4) server: providing the equipment of the service of calculating, and the composition of server includes that processor, hard disk, memory, system are totalLine etc., server is similar with general computer architecture, but due to needing to provide highly reliable service, in processing energyPower, stability, reliability, safety, scalability, manageability etc. are more demanding.
(5) other electronic devices with data interaction function.
In addition, computer executable instructions are stored with the embodiment of the invention provides a kind of computer readable storage medium,The computer executable instructions are used to execute above-mentioned Fig. 1 to the method flow described in any one of Fig. 3 embodiment.
The technical scheme of the present invention has been explained in detail above with reference to the attached drawings, according to the technical solution of the present invention, realizes loanThe automation of money assessment, saves Manpower Estimate's cost, and improve the reliability of assessment result.
It should be appreciated that term "and/or" used herein is only a kind of incidence relation for describing affiliated partner, indicateThere may be three kinds of relationships, for example, A and/or B, can indicate: individualism A, exist simultaneously A and B, individualism B these threeSituation.In addition, character "/" herein, typicallys represent the relationship that forward-backward correlation object is a kind of "or".
Depending on context, word as used in this " if " can be construed to " ... when " or " when ...When " or " in response to determination " or " in response to detection ".Similarly, depend on context, phrase " if it is determined that " or " if detection(condition or event of statement) " can be construed to " when determining " or " in response to determination " or " when the detection (condition of statementOr event) when " or " in response to detection (condition or event of statement) ".
It should be noted that terminal involved in the embodiment of the present invention can include but is not limited to personal computer(Personal Computer, PC), personal digital assistant (Personal Digital Assistant, PDA), wireless handheldEquipment, tablet computer (Tablet Computer), mobile phone, MP3 player, MP4 player etc..
In several embodiments provided by the present invention, it should be understood that disclosed systems, devices and methods, it can be withIt realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unitIt divides, only a kind of logical function partition, there may be another division manner in actual implementation, for example, multiple units or groupPart can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shownOr the mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, device or unit it is indirectCoupling or communication connection can be electrical property, mechanical or other forms.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unitIt is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated listMember both can take the form of hardware realization, can also realize in the form of hardware adds SFU software functional unit.
The above-mentioned integrated unit being realized in the form of SFU software functional unit can store and computer-readable deposit at oneIn storage media.Above-mentioned SFU software functional unit is stored in a storage medium, including some instructions are used so that a computerIt is each that device (can be personal computer, server or network equipment etc.) or processor (Processor) execute the present inventionThe part steps of embodiment the method.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (Read-Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic or disk etc. it is variousIt can store the medium of program code.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the inventionWithin mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the present invention.