公开(公告)号：EP3690787A1

公开(公告)日：2020-08-05

申请号：EP18888429.0

申请日：2018-10-18

申请人： ALIBABA GROUP HOLDING LIMITED

发明人： SONG, Le ,  LI, Hui ,  GE, Zhibang ,  HUANG, Xin ,  WEN, Chunyang ,  WANG, Lin ,  JIANG, Tao ,  WANG, Yiguang ,  CHANG, Xiaofu ,  ZHU, Guanyin

IPC分类号： G06Q40/02 ,  G06Q10/06

摘要： Implementations of the present specification disclose a graphical structure model-based method, apparatus, and device for credit risk control. The solution includes: establishing an appropriate enterprise relationship network in advance based on data related to an enterprise and factors associated with the enterprise; performing feature integration and defining a graphical structure model; training the graphical structure model by using a labeled sample; calculating embedding vectors of a node after a plurality of iterations in hidden feature space and a predicted probability of the node by using the trained graphical structure model; and performing credit risk control on the node based on the embedded factor and the predicted probability.