Credit risk assessment and transmission method based on multi-source data and knowledge spectrogram

• Main Authors: CHENG YUWEI, SHEN HONG, YANG RUI
• Format: Patent
• Language: Chinese; English
• Published: 18.02.2025
• 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 discloses a credit risk assessment and transmission method based on multi-source data and a knowledge map, and the method comprises the steps: collecting credit event data from the multi-source data through an integrated crawler technology and a keyword-based event extraction technology, and carrying out the cleaning and conversion, so as to construct a credit knowledge map. The credit knowledge graph identifies each credit subject through a uniform resource identifier (URI), uses a credit evaluation index system as a data specification, and continuously updates through real-time data acquisition. In addition, the invention further provides a credit risk multi-path transmission composite influence probability calculation model, and credit risk management is optimized by analyzing influence factors of nodes in a credit subject association model. 本发明公开了一种基于多源数据和知识谱图的信用风险评估与传递方法，通过集成爬虫技术和基于关键字的事件抽取技术，从多源数据中收集信用事件数据，并进行清洗和转换，以构建信用知识图谱。信用知识图谱通过统一资源标识符(URI)标识每个信用主体，并使用信用评价指标体系作为数据规范，通过实时数据采集不断更新。此外，本发