3 thoughts on “How is the Internet financial risk control model generally built?”
Shelia
The risk control model is based on the good data analysis and scoring system based on the establishment of a risk control system, a risk control assessment method, and a scoring mechanism, which is to establish a commonly used risk control model method. We take the "wind blade" of the risk control system of Easy Loan as an example. The wind blade system not only judges risks on a certain model, but also applies to every link to guide the entire financial behavior, judge risks when users apply for loans, and judge the authenticity of the application willingness and the probability of fraudulent loan when the platform lending. Judging the possibility of overdue after loan is observed from user behavior habits. In addition, the wind blade system also uses artificial intelligence learning to find real -time analysis of user source channels and user characteristics in the management of passenger acquisition management to find a small part of the abnormal groups that may exist in normal people to prevent fraud. The wind blade system not only judges risks on a certain model, but also applies to every link to guide the entire financial behavior, judge risks when users apply for loans, and judge the authenticity of the application willingness and the probability of fraudulent loan when the platform lending. Judging the possibility of overdue after loan is observed from user behavior habits. In addition, the wind blade system also uses artificial intelligence learning to find real -time analysis of user source channels and user characteristics in the management of passenger acquisition management to find a small part of the abnormal groups that may exist in normal people to prevent fraud. The wind blade system not only judges risks on a certain model, but also applies to every link to guide the entire financial behavior, judge risks when users apply for loans, and judge the authenticity of the application willingness and the probability of fraudulent loan when the platform lending. Judging the possibility of overdue after loan is observed from user behavior habits. In addition, the wind blade system also uses artificial intelligence learning to find real -time analysis of user source channels and user characteristics in the management of passenger acquisition management to find a small part of the abnormal groups that may exist in normal people to prevent fraud.
The risk control model is based on the good data analysis and scoring system based on the establishment of a risk control system, a risk control assessment method, and a scoring mechanism, which is to establish a commonly used risk control model method. At present, there are two main ways to build a risk control model in the domestic Internet financial platform: one is to build it by itself, and the other is to directly use the three -party supplier. For example, the risk control products and services of Hangzhou Tongtong, which are currently widely used by Internet finance companies. Of course, more Internet finance companies will choose to combine the two to optimize the model and improve the effect.
The following may be the most commonly used information combination dimension used in the mutual gold field: (1) authentication of identity information (2) Bank card information verification (3) operator certification r (4) Mobile device positioning (5) Blacklisting mechanism (6) front -end risk intercepting (7) Big data analysis (8) Machine intercepting (9) Artificial review (10) Collection
The risk control model is based on the good data analysis and scoring system based on the establishment of a risk control system, a risk control assessment method, and a scoring mechanism, which is to establish a commonly used risk control model method. We take the "wind blade" of the risk control system of Easy Loan as an example. The wind blade system not only judges risks on a certain model, but also applies to every link to guide the entire financial behavior, judge risks when users apply for loans, and judge the authenticity of the application willingness and the probability of fraudulent loan when the platform lending. Judging the possibility of overdue after loan is observed from user behavior habits. In addition, the wind blade system also uses artificial intelligence learning to find real -time analysis of user source channels and user characteristics in the management of passenger acquisition management to find a small part of the abnormal groups that may exist in normal people to prevent fraud. The wind blade system not only judges risks on a certain model, but also applies to every link to guide the entire financial behavior, judge risks when users apply for loans, and judge the authenticity of the application willingness and the probability of fraudulent loan when the platform lending. Judging the possibility of overdue after loan is observed from user behavior habits. In addition, the wind blade system also uses artificial intelligence learning to find real -time analysis of user source channels and user characteristics in the management of passenger acquisition management to find a small part of the abnormal groups that may exist in normal people to prevent fraud. The wind blade system not only judges risks on a certain model, but also applies to every link to guide the entire financial behavior, judge risks when users apply for loans, and judge the authenticity of the application willingness and the probability of fraudulent loan when the platform lending. Judging the possibility of overdue after loan is observed from user behavior habits. In addition, the wind blade system also uses artificial intelligence learning to find real -time analysis of user source channels and user characteristics in the management of passenger acquisition management to find a small part of the abnormal groups that may exist in normal people to prevent fraud.
The risk control model is based on the good data analysis and scoring system based on the establishment of a risk control system, a risk control assessment method, and a scoring mechanism, which is to establish a commonly used risk control model method. At present, there are two main ways to build a risk control model in the domestic Internet financial platform: one is to build it by itself, and the other is to directly use the three -party supplier. For example, the risk control products and services of Hangzhou Tongtong, which are currently widely used by Internet finance companies. Of course, more Internet finance companies will choose to combine the two to optimize the model and improve the effect.
The following may be the most commonly used information combination dimension used in the mutual gold field:
(1) authentication of identity information
(2) Bank card information verification
(3) operator certification r
(4) Mobile device positioning
(5) Blacklisting mechanism
(6) front -end risk intercepting
(7) Big data analysis
(8) Machine intercepting
(9) Artificial review
(10) Collection