Intelligent monitoring method and device for bond risk

• Main Authors: ZHAO XIBIN, JIA PENGFEI, WANG YANZHAO, TANG HUAYUN, WANG FUHUA, YANG XUE, SHANG LILI, HUANG XINYU, LIN SONG
• Format: Patent
• Language: Chinese; English
• Published: 07.04.2023
• Subjects: CALCULATING; COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS; 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 discloses a bond risk-oriented intelligent monitoring method and device, and the method comprises the steps: obtaining index data affecting the default of an enterprise; inputting the index data into a trained default analysis model for analysis and calculation to obtain a real-time risk assessment result; wherein the default analysis model is obtained by comparing training evaluation results of a plurality of preset algorithm models to obtain a selected analysis model, judging whether an analysis result of the selected analysis model reaches a preset risk evaluation result or not, and training the selected analysis model according to a judgment result; and determining a risk value of the enterprise financial risk based on the real-time risk assessment result. According to the invention, by forming an index system for risk assessment, default risk analysis of bond subjects such as city investment debts, financial debts and industrial debts is carried out, a perfect risk monitoring model is reali