Beijing Trusfort Technology Co., Ltd.

Zhun Cai

Hao Guo

Yue Sun

Xiaopeng Guo

Wengang Wang

Shanping Sun

Yumeng Chen

A method and system for credit risk identification. The disclosed embodiments include receiving a loan request to a credit business system from a user; in response to the loan request, obtaining operation data by the user on the credit business system within a period of time before the loan request; performing risk identification on the user using a neuronal network according to the loan request and the operation data to generate a result, and determining a response to the loan request based on the result of the risk identification.

Method and system for credit risk identification

Training method and apparatus for loan fraud detection model and a computer device are provided, wherein the training method for loan fraud detection model includes: acquiring identity information and user's bank statement information of a plurality of sample users, and fraud label information corresponding to each user; constructing an identity feature vector and a behavior pattern vector according to the identity information; constructing a statement feature vector according to the behavior pattern vector, a second vector transformation matrix and the user's bank statement information; generating a target feature vector according to the behavior pattern vector and the statement feature vector; feeding a target neural network with the target feature vector to acquire a fraud detection result of the target feature vector; and training the target neural network, the first vector transformation matrix and the second vector transformation matrix to obtain a loan fraud detection model.

Training method, apparatus for loan fraud detection model and computer device

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Beijing, China

Zhun Cai