基于规则引擎的金融风控系统

金融科技企业推出了以小额现金贷为主导产品的一种新型金融模式:P2P网络借贷模式。现金贷产品自推出以来,在很短的时间内就积累了大量的客户。如何制定快速有效的金融风控策略,提高客户信息数据处理效率,及时预测防范业务中信用及欺诈风险,成为金融企业亟待解决的问题。对此,本文提出基于规则引擎的金融风控模型,实现风控规则策略和程序硬编码的解耦,在此基础上进行特征因子以及特征模型的设计,对于实现金融科技企业信贷体系中的自动化审批将起到很大的推动作用。

Financial Risk Control System Based on Rule Engine

Financial technology enterprises have introduced a new type of financial model, P2P network lending model, which is dominated by small cash loans. Since the introduction of cash loan products, a large number of customers have been accumulated in a very short period of time. How to formulate a fast and effective financial risk control strategy, improve the efficiency of customer information data processing, timely forecast and prevent credit and fraud risks in business has become an urgent problem for financial enterprises to solve. In this regard, this paper proposes a financial risk control model based on Java rule engine, which realizes the decoupling of risk control rule strategy and program hard coding. On this basis, the design of feature factors and feature model is also carried out, which plays a great role in promoting the automatic approval of the credit system of financial science and technology enterprises.