Risk assessment method and device, computer equipment and storage medium

• Main Authors: QIU XIAOYUAN, YANG SIXIONG, GAO CANFENG, YUAN XUJIE, CHEN GUILONG
• Format: Patent
• Language: Chinese; English
• Published: 11.07.2023
• 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

The invention relates to a risk assessment method and device, computer equipment and a storage medium, and the method comprises the steps: obtaining purchase application information, and obtaining the basic information of a target object and an associated object; taking the target object and the associated object as query subjects, and obtaining current index data of the associated risk index; respectively matching the query subject and the purchasing scheme with a preset strategy set to obtain a matching result; and performing score assignment on the current index data and the matching result by using a preset risk assessment model, calculating a final risk score of the target object, obtaining a risk level of the target object, and obtaining a risk decision corresponding to the risk level. By adopting the method, various auditing items can pass the preset evaluation standard to obtain a unified risk assessment result, so that the phenomenon of risk point omission or understanding deviation during manual aud