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).
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