Risk loan determination method and device, electronic equipment and storage medium

• Main Authors: CHEN HAOXIN, HAN YING, HU QIUPING, ZHU ZU'EN, ZHANG RUIWEI, QIU FU, WEI XIAOCONG
• Format: Patent
• Language: Chinese; English
• Published: 20.10.2020
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

An embodiment of the invention discloses a risk loan determination method and device, electronic equipment and a storage medium. The risk loan determination method comprises the steps of: acquiring loan information, and determining a borrower gang and a fund supplier gang according to the loan information, wherein the borrower gang is a gang formed by personnel associated with a borrower, and thefund supplier gang is a gang formed by personnel associated with the first payment fund of the borrower; acquiring feature data of the borrower gang and the fund supplier gang, and inputting the feature data into a pre-constructed risk judgment model to obtain candidate risk loans; and screening the candidate risk loans according to a preset rule to determine a target risk loan. By operating the risk loan determination method and the device provided by the embodiment of the invention, the problems that personal fund transaction ranges and time points based on individuals can be screened according to preset rules, risk