Except risk management method and device, equipment and medium

• Main Authors: ZHANG YI, ZHAO PENGCHUAN
• Format: Patent
• Language: Chinese; English
• Published: 25.11.2022
• 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

The invention relates to the technical field of data processing, in particular to an option risk management method and device, equipment and a medium. The method comprises the following steps: determining a subject range with customer behavior change; obtaining account detail data in the subject range; based on the account detail data, calculating a loan advanced repayment rate, a regular deposit advanced payment rate and a live deposit precipitation rate; and generating an option risk management table based on the loan advanced repayment rate, the regular deposit advanced payment rate and the live deposit precipitation rate. Based on a large amount of data of bank deposit and loan business, the rule of customer behaviors is analyzed, and three models of the loan advanced repayment rate, the regular deposit advanced payment rate and the active deposit precipitation rate of the customer behaviors are established; and an option risk management table is generated according to the calculated three indexes includi