CN119067772B - Artificial intelligent automobile financial wind control system based on big data - Google Patents
Artificial intelligent automobile financial wind control system based on big data Download PDFInfo
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- CN119067772B CN119067772B CN202411571309.6A CN202411571309A CN119067772B CN 119067772 B CN119067772 B CN 119067772B CN 202411571309 A CN202411571309 A CN 202411571309A CN 119067772 B CN119067772 B CN 119067772B
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Abstract
The invention provides an artificial intelligent automobile financial wind control system based on big data, which relates to the technical field of automobile financial risk monitoring and aims to realize more efficient and highly reliable automobile financial wind control, and comprises a big data grouping module, a data processing module and a data processing module, wherein the big data grouping module is used for dividing all individual objects into a plurality of groups; the system comprises a first data acquisition module, a first data analysis module, a second data acquisition module and a second data analysis module, wherein the first data acquisition module is used for acquiring global automobile financial data based on the groups, the first data analysis module is used for identifying local automobile financial risks based on a first neural network, the second data acquisition module is used for acquiring local automobile financial data aiming at the groups judged to have the local automobile financial risks, and the second data analysis module is used for identifying individual automobile financial risks based on a second neural network. The invention has the advantages of high efficiency and reliability of automobile financial wind control.
Description
Technical Field
The invention relates to the technical field of automobile financial risk monitoring, in particular to an artificial intelligent automobile financial wind control system based on big data.
Background
With the development of automobiles, sales volume of the automobiles is increased, and automobile financial services are also increased.
Automotive finance encompasses credit services and the like, and therefore there is a financial risk. In order to ensure the steady state of the automobile finance, risk monitoring on the automobile finance is a necessary working link of a service provider. The data collected in the automotive financial field are complex in terms of individuals and data types, and the prior art processes based on such data with significant computational effort. However, the reduction of data processing steps causes inaccurate data monitoring and other problems.
Therefore, there is a need for an improvement in automotive financial management that achieves more efficient and reliable automotive financial management.
Disclosure of Invention
The invention aims to provide an artificial intelligent automobile financial wind control system based on big data, which can realize more efficient and highly reliable automobile financial wind control.
The invention is realized by the following technical scheme:
artificial intelligence car finance wind control system based on big data includes:
the big data grouping module is used for dividing all individual objects into a plurality of groups;
the first data acquisition module is used for acquiring global automobile financial data based on the group;
A first data analysis module for identifying local automotive financial risk based on a first neural network;
The second data acquisition module is used for acquiring local automobile financial data aiming at the group judged to have the local automobile financial risk;
And a second data analysis module for identifying individual automotive financial risks based on the second neural network.
Preferably, the method for dividing all individual objects into a plurality of groups is as follows:
respectively obtaining the total amount and the stage number of the automobile financial loan of the individual object;
respectively acquiring the automotive financial loan risk parameters of the individual objects:
;
Wherein, Is the firstAn automotive financial loan risk parameter for each of the individual subjects,AndRespectively the firstThe total amount and staging number of the automotive financial loan for each of the individual subjects,AndAs a result of the empirical weight of the model,A total number of the individual subjects;
obtaining the group number of the group ;
Respectively obtaining the maximum value of the automotive financial loan risk parameters of the individual objectsAnd minimum valueAt the maximum valueAnd minimum valueEqually split betweenAnd dividing the individual objects falling into the same interval into the same group.
Preferably, the number of the acquisition groupsThe method of (1) is as follows:
;
;
;
Wherein, As a function of the natural index of refraction,AndAre all the parameters in the middle of the method,AndRespectively a function of taking a maximum value and taking a minimum value,As a round-up function.
Preferably, the method for collecting global car financial data based on the group comprises the following steps:
and respectively collecting the total amount of the residual credit, the total amount of the theoretical repayment, the total amount of the actual repayment, the number of vehicle accidents and the loss amount of the vehicle accidents in each month in the continuous M months of the individual subjects of each group.
Preferably, the method for identifying local automotive financial risk based on the first neural network comprises the following steps:
transmitting the global automotive financial data to an input layer;
Respectively carrying out feature extraction on each group through a feature extraction layer to obtain group feature parameters;
Carrying out data nonlinear processing through at least one hidden layer;
and outputting whether each group has local automobile financial risk or not through an output layer.
Preferably, the method for extracting the characteristics of each group through the characteristic extraction layer comprises the following steps:
;
;
Wherein, AndRespectively the firstA first characteristic parameter and a second characteristic parameter of each group,、AndRespectively represent the firstThe group of consecutive M monthsThe total amount of remaining credits, the total amount of theoretical payouts and the total amount of actual payouts for one month,AndRespectively the firstThe group of consecutive M monthsThe number of vehicle accidents and the amount of vehicle accident loss for one month,Is an intermediate parameter;
combining the first characteristic parameter and the second characteristic parameter:
;
Wherein, Is the firstThe group characteristic parameters of the groups.
Preferably, the hidden layer uses a ReLU activation function, and the output layer uses a Sigmoid activation function.
Preferably, the method for collecting local car financial data for the group judged to have local car financial risk is as follows:
a total amount of remaining credits, a total amount of theoretical payouts, a total amount of actual payouts, a number of vehicle accidents, and a vehicle accident loss amount for each month of the continuous M months for each of the individual subjects in the group identified as having a localized automotive financial risk is collected.
Preferably, the second neural network is identical in structure to the first neural network.
The technical scheme of the invention has at least the following advantages and beneficial effects:
according to the invention, the automobile financial wind control is performed based on big data and artificial intelligence, so that comprehensive risk assessment can be performed, and potential risk factors can be identified;
The invention carries out grouping processing on the data, carries out advanced global judgment and then local judgment, has different risks and requirements facing individuals with different credit amounts, can provide more personalized financial service and management strategy after grouping, simultaneously reduces the calculation burden of the system and improves the calculation efficiency;
The data grouping of the invention has more pertinence, can be divided into different groups according to different data distribution conditions based on credit amount, has more data grouping for data distribution which is more uneven, not only considers the limitation of the group number, but also considers the problem of data density, and is beneficial to improving the reliability of global analysis;
The local analysis can adopt the same model as the global analysis, so that the training cost is further saved, and the calculation force resource is optimized.
Drawings
Fig. 1 is a schematic diagram of an artificial intelligent automobile financial wind control system based on big data according to embodiment 1 of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are some embodiments of the present invention, but not all embodiments of the present invention. The components of the embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations.
Example 1
The embodiment provides an artificial intelligent automobile financial wind control system based on big data, referring to fig. 1, including:
the big data grouping module is used for dividing all individual objects into a plurality of groups;
the first data acquisition module is used for acquiring global automobile financial data based on the group;
A first data analysis module for identifying local automotive financial risk based on a first neural network;
The second data acquisition module is used for acquiring local automobile financial data aiming at the group judged to have the local automobile financial risk;
And a second data analysis module for identifying individual automotive financial risks based on the second neural network.
In this embodiment, global recognition is performed through grouping, which is equivalent to that data of a group is regarded as an individual to perform judgment, and detailed recognition judgment is performed on the individual after the group with risk is recognized, so that the method is beneficial to effectively reducing the power consumption, improving the processing efficiency, and simultaneously guaranteeing the reliability of judgment. Can intelligent high-efficient to car finance risk monitor, prevention finance problem takes place. The combination of big data and artificial intelligence provides data support for decision making, can make more scientific judgment in complex market environment,
In this embodiment, the method for dividing all individual objects into a plurality of groups is as follows:
respectively obtaining the total amount and the stage number of the automobile financial loan of the individual object;
respectively acquiring the automotive financial loan risk parameters of the individual objects:
;
Wherein, Is the firstAn automotive financial loan risk parameter for each of the individual subjects,AndRespectively the firstThe total amount and staging number of the automotive financial loan for each of the individual subjects,AndAs a result of the empirical weight of the model,A total number of the individual subjects;
it is specifically noted that, AndThe setting of (2) can be determined according to the practical application scene by grouping more importance on the total loan or the loan of each periodAndIs allocated to the size of the (c).
Obtaining the group number of the group;
Respectively obtaining the maximum value of the automotive financial loan risk parameters of the individual objectsAnd minimum valueAt the maximum valueAnd minimum valueEqually split betweenAnd dividing the individual objects falling into the same interval into the same group.
Further, the acquisition group numberThe method of (1) is as follows:
;
;
;
Wherein, As a function of the natural index of refraction,AndAre all the parameters in the middle of the method,AndRespectively a function of taking a maximum value and taking a minimum value,As a round-up function.
The group number of the embodiment considers the total amount and the stage number of the finance loan of all individual objects, so as to obtain the risk parameters of the automobile finance loan, and the group is set according to the uniform distribution condition of the risk parameters of the automobile finance loan. For even data groups, the number of the groups can be increased due to the fact that partial backlog of a large amount of data occurs, and for data with uneven distribution, the problems of feature loss and the like caused by excessive data of one group are prevented.
As a preferred scheme, the method for collecting global car financial data based on the group comprises the following steps:
and respectively collecting the total amount of the residual credit, the total amount of the theoretical repayment, the total amount of the actual repayment, the number of vehicle accidents and the loss amount of the vehicle accidents in each month in the continuous M months of the individual subjects of each group.
Next, the method of identifying local automotive financial risk based on the first neural network may include:
transmitting the global automotive financial data to an input layer;
Respectively carrying out feature extraction on each group through a feature extraction layer to obtain group feature parameters;
Carrying out data nonlinear processing through at least one hidden layer;
and outputting whether each group has local automobile financial risk or not through an output layer.
Specifically, the method for extracting the features of each group by the feature extraction layer is preferably as follows:
;
;
Wherein, AndRespectively the firstA first characteristic parameter and a second characteristic parameter of each group,、AndRespectively represent the firstThe group of consecutive M monthsThe total amount of remaining credits, the total amount of theoretical payouts and the total amount of actual payouts for one month,AndRespectively the firstThe group of consecutive M monthsThe number of vehicle accidents and the amount of vehicle accident loss for one month,Is an intermediate parameter;
combining the first characteristic parameter and the second characteristic parameter:
;
Wherein, Is the firstThe group characteristic parameters of the groups.
In a specific setting, the hidden layer preferably adopts a ReLU activation function, and the output layer can adopt a Sigmoid activation function to perform classification tasks.
In global recognition, it is equivalent to integrating data of one group together as one individual to make a preliminary determination. The first characteristic parameter and the second characteristic parameter capture trend characteristics of average data of duration through a sliding window, which is equivalent to acquiring data comprehensive characteristics of a plurality of different continuous periods, wherein the first characteristic parameter can extract risks of repayment conditions, and the second characteristic parameter can advance risks brought by fault consumption.
Then, the method for collecting the local car financial data aiming at the group judged to have the local car financial risk comprises the following steps:
a total amount of remaining credits, a total amount of theoretical payouts, a total amount of actual payouts, a number of vehicle accidents, and a vehicle accident loss amount for each month of the continuous M months for each of the individual subjects in the group identified as having a localized automotive financial risk is collected.
To reduce the training burden, the second neural network structure is preferably the same as the first neural network.
Since global recognition is equivalent to regarding a group as an individual object, the same neural network can be applied to directly perform feature capturing and judging of the same mode on the data of the individual object during specific local recognition.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (4)
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