金融信贷风险识别方法、模型构建方法和装置

一种金融信贷风险识别模型构建方法、装置及金融信贷风险识别方法、装置和计算机可读存储介质，所述金融信贷风险识别方法，包括：根据贷款主体的信息生成金融信贷知识图谱；根据金融事件数据和金融领域本体生成金融事理图谱；基于所述贷款主体的信息、所述金融信贷知识图谱和金融事理图谱，通过机器学习生成金融信贷风险识别模型；根据实时金融事件更新所述金融事理图谱，根据更新后的金融事理图谱以及待预测贷款主体的信息，通过所述金融信贷风险识别模型输出所述实时金融事件对所述待预测贷款主体的金融信贷风险信息。本申请实施例可以根据实时的金融事件，预测金融信贷风险，丰富了风险识别的维度，提高信贷信用主体发生信用风险的预判性。 T...

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Bibliographic Details
Format Patent
LanguageChinese
Published 24.10.2023
Subjects
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
ELECTRIC DIGITAL DATA PROCESSING
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Summary:一种金融信贷风险识别模型构建方法、装置及金融信贷风险识别方法、装置和计算机可读存储介质，所述金融信贷风险识别方法，包括：根据贷款主体的信息生成金融信贷知识图谱；根据金融事件数据和金融领域本体生成金融事理图谱；基于所述贷款主体的信息、所述金融信贷知识图谱和金融事理图谱，通过机器学习生成金融信贷风险识别模型；根据实时金融事件更新所述金融事理图谱，根据更新后的金融事理图谱以及待预测贷款主体的信息，通过所述金融信贷风险识别模型输出所述实时金融事件对所述待预测贷款主体的金融信贷风险信息。本申请实施例可以根据实时的金融事件，预测金融信贷风险，丰富了风险识别的维度，提高信贷信用主体发生信用风险的预判性。 The invention discloses a financial credit risk identification model construction method and device, a financial credit risk identification method and device, and a computer readable storage medium, and the method comprises the steps: generating a financial credit knowledge graph according to the information of a loan subject; generating a financial cause map according to the financial event dataand the financial domain ontology; based on the information of the loan subject, the financial credit knowledge graph and the financial affair graph, generating a financial credit risk identificationmodel through machine learning; and updating the financial affair map according to a real-time financial event, and outputting
Bibliography:Application Number: CN202010229807