Design and Implementation of the Program of Customer Risk Monitoring and Scoring for Risk Early Warning

摘要

In the domestic commercial banks, the credit rating of the public customers is a very important business indicator. The traditional method of rating is unreal, not objective, and delay. The scheme described in this paper is based on large data technology, making full use of data both inside and outside the bank, setting up multi-latitude risk warning rules. The bank scores the customer's risk status based on these rules. The scheme adopted in this scenario reveals the risk information for the client. The scheme has the characteristics of fast, flexible and timely. This paper introduces the design idea and the concrete realization process of the scheme.