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1. (WO2017067153) CREDIT RISK ASSESSMENT METHOD AND DEVICE BASED ON TEXT ANALYSIS, AND STORAGE MEDIUM

Pub. No.:    WO/2017/067153    International Application No.:    PCT/CN2016/081998
Publication Date: Fri Apr 28 01:59:59 CEST 2017 International Filing Date: Sat May 14 01:59:59 CEST 2016
IPC: G06Q 40/06
Applicants: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED
腾讯科技(深圳)有限公司
Inventors: LIU, Hongzhi
刘宏志
JIANG, Jie
蒋杰
WANG, Juhong
王巨宏
GUAN, Gang
管刚
WU, Zhonghai
吴中海
ZHANG, Xing
张兴
Title: CREDIT RISK ASSESSMENT METHOD AND DEVICE BASED ON TEXT ANALYSIS, AND STORAGE MEDIUM
Abstract:
A credit risk assessment method and device based on text analysis, and a storage medium. The method also comprises: acquiring a text of a borrower (S101); analyzing the text to obtain a basic language characteristic, the basic language characteristic being used for analyzing whether the borrower will break a contract (S102); inputting the basic language characteristic into a preset credit risk assessment model to obtain a risk value of the borrower outputted from the credit risk assessment model (S103); and outputting the risk value of the borrower (S104).