Joint loan risk evluation device

• Main Authors: CHANG, SHUNAN, CHEN, MIN-LING, FANG, YANG-YAO
• Format: Patent
• Language: Chinese; English
• Published: 21.04.2020
• 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

A joint loan risk evaluation device includes an information managing device, a group decision analysis device and an evaluation device. The information managing device includes a credit database. The group decision analysis device is used for analyzing multiple risk factor lists to evaluate corresponding multiple performance indicators by multiple groups. The evaluation device includes a risk calculation module and a suggested value calculation module. The risk calculation module is used for estimating a customer default probability. The suggested value calculation module is used for calculating a industry probability default in one of the industry's default cases corresponding to the customer. When a ratio of the customer default probability and the industry probability default is more or equal to a threshold, the joint loan is accepted. When the ratio is less than a threshold, deliever a suggested value.