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发明公开
CN108090831A 信贷风险评估方法、应用服务器及计算机可读存储介质 无效 - 驳回 转让

信贷风险评估方法、应用服务器及计算机可读存储介质
摘要：
本发明公开了一种信贷风险评估方法，该方法包括：分别获取用户预设时间段内的金融逾期次数、行政负面次数、金融欺诈次数；根据所述金融逾期次数、行政负面次数、金融欺诈次数计算所述用户的信贷风险分数；将所述用户的信贷风险分数与预设的信贷风险分数阈值进行比较，从而给出所述用户的信贷风险评估结果。本发明还提供一种应用服务器及计算机可读存储介质。本发明可以根据用户的金融逾期次数、行政负面次数、金融欺诈次数，计算出用户的金融逾期风险、行政负面风险和金融欺诈风险，从而全方位地对用户的信贷风险进行评估，并通过计算得到一个风险度分数，从而向客户提供信贷风险提示和参考的服务。
摘要（英）：

The invention discloses a method for evaluating credit risks. The method includes the steps that financial expiry frequency, administrative downside frequency and financial cheat frequency within a user preset time section are obtained; according to the financial expiry frequency, administrative downside frequency and financial cheat frequency, the score of the credit risks of a user is calculated; the score of the credit risks of the user is compared with a preset threshold value of the score of the credit risks, so that the evaluation result is given for the credit risks of the user. The invention further provides an application server and a computer readable storage medium. With the method, according to the financial expiry frequency, administrative downside frequency and financial cheat frequency, the financial expiry risk, the administrative downside risk and the financial cheat risk are calculated for the user, so that the credit risks of the user are evaluated comprehensively; the score of a risk degree is obtained through calculation, so that service of prompting and refereeing is provided for the client about the credit risks.

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