SYSTEM AND METHOD FOR MANAGING RISK OF DEBTOR ACCOUT FOR PEER TO PEER FINANCE

摘要

A borrower account risk management system for securing the safety of P2P funding is disclosed. The borrower account risk management system includes: a data generation unit that processes borrower data at regular intervals to generate time-series learning data; a learning unit that applies the learning data generated by the data generation unit to a predetermined machine learning model and performs learning on the machine learning model, thereby generating an abnormal cash flow determination model for calculating a borrower default probability; and a risk management unit for calculating the default probability of the borrower at the current time by inputting the time series data generated by the data generation unit into the abnormal cash flow determination model generated by the learning unit.