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CN114386858A - An intelligent risk decision-making platform - Google Patents

An intelligent risk decision-making platform Download PDF

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CN114386858A
CN114386858A CN202210043619.5A CN202210043619A CN114386858A CN 114386858 A CN114386858 A CN 114386858A CN 202210043619 A CN202210043619 A CN 202210043619A CN 114386858 A CN114386858 A CN 114386858A
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张馨尹
吴东洋
陈羽
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Shenzhen Lianyirong Microbee Technology Co.,Ltd.
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Abstract

本发明公开一种智能风险决策平台。本发明以产品、项目、企业为主线，通过配置化的方式整合大数据平台、决策引擎、流程引擎，实现对企业风险评估体系的灵活配置和流程决策，实现高效便捷的定制化客户风险评价体系，通过微服务的架构构件底层，各模块相互独立，对单模块的逻辑修改不影响其他模块服务。因此可以快速对新增产品、项目进行风险决策配置，结合决策引擎指标、评分卡模型可以快速配置出适配产品的风控模型和决策流程。风险审批流程独立、规则决策模块独立，可以减少相互之间的耦合，提高风险决策的准确性，并快速输出决策结果，提高效率，满足企业的风控决策需求。

Figure 202210043619

The invention discloses an intelligent risk decision-making platform. The invention takes products, projects, and enterprises as the main lines, and integrates big data platforms, decision-making engines, and process engines in a configuration-based manner, so as to realize the flexible configuration and process decision-making of the enterprise risk assessment system, and realize an efficient and convenient customized customer risk assessment system. , through the bottom layer of the architecture component of the microservice, each module is independent of each other, and the logical modification of a single module does not affect other module services. Therefore, new products and projects can be quickly configured for risk decision-making. Combined with the decision-making engine indicators and scorecard model, the risk control model and decision-making process that adapt to the product can be quickly configured. The risk approval process is independent and the rule decision module is independent, which can reduce the coupling between each other, improve the accuracy of risk decision-making, and quickly output decision-making results, improve efficiency, and meet the enterprise's risk control decision-making needs.

Figure 202210043619

Description

一种智能风险决策平台An intelligent risk decision-making platform

技术领域technical field

本发明涉及企业经营系统技术领域，尤其涉及一种智能风险决策平台。The invention relates to the technical field of enterprise management systems, in particular to an intelligent risk decision-making platform.

背景技术Background technique

很多企业在推广新产品、服务项目前，都会选择对新增产品、项目投入市场的风险进行评估，以便于企业进行相应的决策。然而现在很多企业在进行风险评定时，多数评估规则都是独立于流程之外或通过人工判定形式进行处理，这种方式时效低下且无法与流程决策相关联，申请渠道、审批流程、风险决策相互独立，需要通过开发代码来进行关联，耗费人力和时间。Before promoting new products and service projects, many enterprises will choose to evaluate the risk of new products and projects entering the market, so as to facilitate enterprises to make corresponding decisions. However, when many enterprises conduct risk assessment, most of the assessment rules are processed independently of the process or through manual judgment. This method is time-efficient and cannot be associated with process decisions. Application channels, approval processes, and risk decisions are mutually exclusive. Independent, it needs to be associated by developing code, which consumes manpower and time.

因此，现有技术存在缺陷，需要改进。Therefore, the prior art has shortcomings and needs to be improved.

发明内容SUMMARY OF THE INVENTION

本发明的目的是克服现有技术的不足，提供一种智能风险决策平台。The purpose of the present invention is to overcome the deficiencies of the prior art and provide an intelligent risk decision-making platform.

本发明的技术方案如下：提供一种智能风险决策平台，包括：外联数据模块、数据处理模块、规则引擎模块、流程引擎、参数配置模块以及核心决策模块；The technical scheme of the present invention is as follows: an intelligent risk decision-making platform is provided, including: an external data module, a data processing module, a rule engine module, a process engine, a parameter configuration module and a core decision-making module;

外联数据模块：通过接口配置可以快速对接和获取外部数据源，模块主要用于进行数据对接和获取；External data module: Through the interface configuration, you can quickly connect and obtain external data sources. The module is mainly used for data connection and access;

数据处理模块：用于对数据进行加工处理、数据清洗、数据计算；Data processing module: used for data processing, data cleaning and data calculation;

规则引擎模块：用于进行指标、规则配置，可以进行指标的参数配置，通过与项目的关联，将数据结果进行逻辑整合和判定决策，并输出决策结果；Rule engine module: used to configure indicators and rules, and can configure parameters of indicators. Through the association with the project, the data results can be logically integrated and decision-making, and the decision-making results can be output;

流程引擎：通过流程配置、节点定义和决策配置设置业务流程走向，配合决策引擎的输出可以配置出风险审核流程；Process engine: Set the business process direction through process configuration, node definition and decision configuration, and configure the risk review process with the output of the decision engine;

参数配置模块：用于产品及项目的定义以及特定参数配置，产品、项目配置信息用于贯穿整个风险审批和控制流程，可以根据不同产品、项目配置不同的风险模型、决策规则和流程走向、审批层级；Parameter configuration module: used for product and project definition and specific parameter configuration. Product and project configuration information is used throughout the entire risk approval and control process. Different risk models, decision rules and process trends, approvals can be configured according to different products and projects. level;

核心决策模块：核心决策模块是整个设计的大脑，用于串联和作为各模块的润滑剂，包含其他外部模块对接和逻辑处理。Core decision-making module: The core decision-making module is the brain of the entire design, used in series and as a lubricant for each module, including the docking and logic processing of other external modules.

进一步地，智能风险决策平台的具体工作步骤如下：Further, the specific working steps of the intelligent risk decision-making platform are as follows:

步骤1：需要进行风险评估的企业输入其产品、项目相关参数；Step 1: Enterprises that need to conduct risk assessment enter their product and project-related parameters;

步骤2：核心决策模块根据企业归属产品、项目获取配置参数，并激活项目流程；Step 2: The core decision-making module obtains configuration parameters according to the products and projects attributable to the enterprise, and activates the project process;

步骤3：流程引擎启动对应项目流程，根据流程节点触发规则决策；Step 3: The process engine starts the corresponding project process and triggers the rule decision according to the process node;

步骤4：规则引擎执行节点配置的决策模型或规则，触发指标计算；Step 4: The rule engine executes the decision model or rule configured by the node, and triggers the calculation of the indicator;

步骤5：外联数据模块获取相应的数据，并通过数据处理模块对指标数据进行处理；Step 5: The external data module obtains the corresponding data, and processes the indicator data through the data processing module;

步骤6：将完成处理的指标数据返回到规则引擎中，进行规则或模型决策；Step 6: Return the processed indicator data to the rule engine to make rule or model decisions;

步骤7：根据规则结果驱动流程，并多次与规则引擎进行交互，以此执行流程判定；Step 7: Drive the process according to the rule result, and interact with the rule engine many times to execute the process judgment;

步骤8：核心决策模块整合流程和决策结果，获得风控审批结果，并反馈给需求企业。Step 8: The core decision-making module integrates the process and decision-making results, obtains the risk control approval result, and feeds it back to the demander.

采用上述方案，本发明以产品、项目、企业为主线，通过配置化的方式整合大数据平台、决策引擎、流程引擎，实现对企业风险评估体系的灵活配置和流程决策，实现高效便捷的定制化客户风险评价体系，通过微服务的架构构件底层，各模块相互独立，对单模块的逻辑修改不影响其他模块服务。因此可以快速对新增产品、项目进行风险决策配置，结合决策引擎指标、评分卡模型可以快速配置出适配产品的风控模型和决策流程。风险审批流程独立、规则决策模块独立，可以减少相互之间的耦合，提高风险决策的准确性，并快速输出决策结果，提高效率，满足企业的风控决策需求。By adopting the above scheme, the present invention takes products, projects, and enterprises as the main lines, and integrates the big data platform, decision engine, and process engine in a configurational manner, so as to realize the flexible configuration and process decision of the enterprise risk assessment system, and realize efficient and convenient customization. In the customer risk assessment system, through the bottom layer of the microservice architecture components, each module is independent of each other, and the logical modification of a single module does not affect other module services. Therefore, new products and projects can be quickly configured for risk decision-making. Combined with the decision-making engine indicators and scorecard model, the risk control model and decision-making process that adapt to the product can be quickly configured. The risk approval process is independent and the rule decision module is independent, which can reduce the coupling between each other, improve the accuracy of risk decision-making, and quickly output decision-making results, improve efficiency, and meet the enterprise's risk control decision-making needs.

附图说明Description of drawings

图1为本发明的架构图。FIG. 1 is a structural diagram of the present invention.

图2为本发明的工作流程框图。FIG. 2 is a block diagram of the work flow of the present invention.

具体实施方式Detailed ways

以下结合附图和具体实施例，对本发明进行详细说明。The present invention will be described in detail below with reference to the accompanying drawings and specific embodiments.

请参阅图1，本发明提供一种智能风险决策平台，包括：外联数据模块、数据处理模块、规则引擎模块、流程引擎、参数配置模块以及核心决策模块；Referring to FIG. 1, the present invention provides an intelligent risk decision-making platform, including: an external data module, a data processing module, a rule engine module, a process engine, a parameter configuration module and a core decision-making module;

外联数据模块：通过接口配置可以快速对接和获取外部数据源，模块主要用于进行数据对接和获取；External data module: Through the interface configuration, you can quickly connect and obtain external data sources. The module is mainly used for data connection and access;

数据处理模块：用于对数据进行加工处理、数据清洗、数据计算；Data processing module: used for data processing, data cleaning and data calculation;

规则引擎模块：用于进行指标、规则配置，可以进行指标的参数配置，通过与项目的关联，将数据结果进行逻辑整合和判定决策，并输出决策结果；Rule engine module: used to configure indicators and rules, and can configure parameters of indicators. Through the association with the project, the data results can be logically integrated and decision-making, and the decision-making results can be output;

流程引擎：通过流程配置、节点定义和决策配置设置业务流程走向，配合决策引擎的输出可以配置出风险审核流程；Process engine: Set the business process direction through process configuration, node definition and decision configuration, and configure the risk review process with the output of the decision engine;

参数配置模块：用于产品及项目的定义以及特定参数配置，产品、项目配置信息用于贯穿整个风险审批和控制流程，可以根据不同产品、项目配置不同的风险模型、决策规则和流程走向、审批层级；Parameter configuration module: used for product and project definition and specific parameter configuration. Product and project configuration information is used throughout the entire risk approval and control process. Different risk models, decision rules and process trends, approvals can be configured according to different products and projects. level;

核心决策模块：核心决策模块是整个设计的大脑，用于串联和作为各模块的润滑剂，包含其他外部模块对接和逻辑处理。Core decision-making module: The core decision-making module is the brain of the entire design, used in series and as a lubricant for each module, including the docking and logic processing of other external modules.

请参阅图2，智能风险决策平台的具体工作步骤如下：Please refer to Figure 2. The specific working steps of the intelligent risk decision-making platform are as follows:

步骤1：需要进行风险评估的企业输入其产品、项目相关参数；Step 1: Enterprises that need to conduct risk assessment enter their product and project-related parameters;

步骤2：核心决策模块根据企业归属产品、项目获取配置参数，并激活项目流程；Step 2: The core decision-making module obtains configuration parameters according to the products and projects attributable to the enterprise, and activates the project process;

步骤3：流程引擎启动对应项目流程，根据流程节点触发规则决策；Step 3: The process engine starts the corresponding project process and triggers the rule decision according to the process node;

步骤4：规则引擎执行节点配置的决策模型或规则，触发指标计算；Step 4: The rule engine executes the decision model or rule configured by the node, and triggers the calculation of the indicator;

步骤5：外联数据模块获取相应的数据，并通过数据处理模块对指标数据进行处理；Step 5: The external data module obtains the corresponding data, and processes the indicator data through the data processing module;

步骤6：将完成处理的指标数据返回到规则引擎中，进行规则或模型决策；Step 6: Return the processed indicator data to the rule engine to make rule or model decisions;

步骤7：根据规则结果驱动流程，并多次与规则引擎进行交互，以此执行流程判定；Step 7: Drive the process according to the rule result, and interact with the rule engine many times to execute the process judgment;

步骤8：核心决策模块整合流程和决策结果，获得风控审批结果，并反馈给需求企业。Step 8: The core decision-making module integrates the process and decision-making results, obtains the risk control approval result, and feeds it back to the demander.

本发明以产品、项目、企业为主线，通过配置化的方式整合大数据平台、决策引擎、流程引擎，实现对企业风险评估体系的灵活配置和流程决策，实现高效便捷的定制化客户风险评价体系，通过微服务的架构构件底层，各模块相互独立，对单模块的逻辑修改不影响其他模块服务。因此可以快速对新增产品、项目进行风险决策配置，结合决策引擎指标、评分卡模型可以快速配置出适配产品的风控模型和决策流程。风险审批流程独立、规则决策模块独立，可以减少相互之间的耦合，提高风险决策的准确性，并快速输出决策结果，提高效率，满足企业的风控决策需求。The invention takes products, projects, and enterprises as the main lines, and integrates big data platforms, decision-making engines, and process engines in a configuration-based manner, so as to realize the flexible configuration and process decision-making of the enterprise risk assessment system, and realize an efficient and convenient customized customer risk assessment system. , through the bottom layer of the architecture components of microservices, each module is independent of each other, and the logical modification of a single module does not affect other module services. Therefore, new products and projects can be quickly configured for risk decision-making. Combined with the decision-making engine indicators and scorecard model, the risk control model and decision-making process that adapt to the product can be quickly configured. The risk approval process is independent and the rule decision module is independent, which can reduce the coupling between each other, improve the accuracy of risk decision-making, and quickly output decision-making results, improve efficiency, and meet the enterprise's risk control decision-making needs.

综上所述，In summary,

以上仅为本发明的较佳实施例而已，并不用于限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。The above are only preferred embodiments of the present invention and are not intended to limit the present invention. Any modifications, equivalent replacements and improvements made within the spirit and principles of the present invention shall be included in the protection scope of the present invention. Inside.

Claims (2)

1.一种智能风险决策平台，其特征在于，包括：外联数据模块、数据处理模块、规则引擎模块、流程引擎、参数配置模块以及核心决策模块；1. an intelligent risk decision-making platform, characterized in that, comprising: an external data module, a data processing module, a rule engine module, a process engine, a parameter configuration module and a core decision-making module; 外联数据模块：通过接口配置可以快速对接和获取外部数据源，模块主要用于进行数据对接和获取；External data module: Through the interface configuration, you can quickly connect and obtain external data sources. The module is mainly used for data connection and access; 数据处理模块：用于对数据进行加工处理、数据清洗、数据计算；Data processing module: used for data processing, data cleaning and data calculation; 规则引擎模块：用于进行指标、规则配置，可以进行指标的参数配置，通过与项目的关联，将数据结果进行逻辑整合和判定决策，并输出决策结果；Rule engine module: used to configure indicators and rules, and can configure parameters of indicators. Through the association with the project, the data results can be logically integrated and decision-making, and the decision-making results can be output; 流程引擎：通过流程配置、节点定义和决策配置设置业务流程走向，配合决策引擎的输出可以配置出风险审核流程；Process engine: Set the business process direction through process configuration, node definition and decision configuration, and configure the risk review process with the output of the decision engine; 参数配置模块：用于产品及项目的定义以及特定参数配置，产品、项目配置信息用于贯穿整个风险审批和控制流程，可以根据不同产品、项目配置不同的风险模型、决策规则和流程走向、审批层级；Parameter configuration module: used for product and project definition and specific parameter configuration. Product and project configuration information is used throughout the entire risk approval and control process. Different risk models, decision rules and process trends, approvals can be configured according to different products and projects. level; 核心决策模块：核心决策模块是整个设计的大脑，用于串联和作为各模块的润滑剂，包含其他外部模块对接和逻辑处理。Core decision-making module: The core decision-making module is the brain of the entire design, used in series and as a lubricant for each module, including the docking and logic processing of other external modules. 2.根据权利要求1所述的智能风险决策平台，其特征在于，智能风险决策平台的具体工作步骤如下：2. intelligent risk decision-making platform according to claim 1, is characterized in that, the concrete working steps of intelligent risk decision-making platform are as follows: 步骤1：需要进行风险评估的企业输入其产品、项目相关参数；Step 1: Enterprises that need to conduct risk assessment enter their product and project-related parameters; 步骤2：核心决策模块根据企业归属产品、项目获取配置参数，并激活项目流程；Step 2: The core decision-making module obtains configuration parameters according to the products and projects attributable to the enterprise, and activates the project process; 步骤3：流程引擎启动对应项目流程，根据流程节点触发规则决策；Step 3: The process engine starts the corresponding project process and triggers the rule decision according to the process node; 步骤4：规则引擎执行节点配置的决策模型或规则，触发指标计算；Step 4: The rule engine executes the decision model or rule configured by the node, and triggers the calculation of the indicator; 步骤5：外联数据模块获取相应的数据，并通过数据处理模块对指标数据进行处理；Step 5: The external data module obtains the corresponding data, and processes the indicator data through the data processing module; 步骤6：将完成处理的指标数据返回到规则引擎中，进行规则或模型决策；Step 6: Return the processed indicator data to the rule engine to make rule or model decisions; 步骤7：根据规则结果驱动流程，并多次与规则引擎进行交互，以此执行流程判定；Step 7: Drive the process according to the rule result, and interact with the rule engine many times to execute the process judgment; 步骤8：核心决策模块整合流程和决策结果，获得风控审批结果，并反馈给需求企业。Step 8: The core decision-making module integrates the process and decision-making results, obtains the risk control approval result, and feeds it back to the demander.
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