Method and system for bank customer default risk early warning

• Main Authors: LIU NAN, ZHANG WANSHUANG, ZHANG JINGBO
• Format: Patent
• Language: Chinese; English
• Published: 26.04.2024
• 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; 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 the field of finance, in particular to a bank customer default risk early warning method and system, and the method comprises the following steps: S1, obtaining a customer database; s2, establishing a risk scoring model to obtain a static score of a customer default risk; s3, the account balance of the client is judged, when the balance is insufficient, a prompt short message is sent to the client within the time T1, and a rewarded questionnaire survey is sent to the client within the time T2; s4, if the customer does not fill in the questionnaire survey, determining that the default risk is based on the static score, and if the customer fills in the questionnaire survey, calculating the dynamic score of the customer default according to a formula; and S5, sending early warning information to a manager according to the static score or the dynamic score of the default risk. According to the method, the latest data of the customer can be acquired, the default risk of the customer can be