GB/T 42777-2023 (English Version)

Standard No.: GB/T 42777-2023
Language: Chinese, Available in English version
Release Date: 2023
Published By: General Administration of Quality Supervision, Inspection and Quarantine of the People‘s Republic of China
Latest: GB/T 42777-2023

Scope: This document provides an overview of the knowledge graph and risk control of financial risk prevention based on text data, and provides guidance on knowledge graph construction and risk control applications based on knowledge graphs. This document is applicable to financial institutions that carry out the construction of financial risk prevention and control knowledge graphs based on text data.

Introduction

Guidelines for the Technical Framework of the Knowledge Graph for Financial Risk Prevention and Control Based on Text Data

1. Background and Significance of Standard Formulation

With the development of financial markets, financial risk prevention and control has become one of the core tasks of financial institutions. Traditional risk management methods are difficult to cope with the increasingly complex financial environment and diversified risk types. The knowledge graph construction technology based on text data provides new ideas and technical support for financial risk prevention and control.

2. Overview of the Technical Framework

The overall architecture of the knowledge graph and risk prevention and control includes the basic support layer, data source layer, knowledge extraction and processing layer, knowledge management layer, knowledge mining and analysis layer, risk prevention and control application layer and knowledge service interaction layer from bottom to top according to the direction of data flow.

Level	Functional Description	Key Technologies
Basic Support Layer	Provide the basic technical support required for knowledge graph construction	Big data platform, machine learning, natural language processing
Data Source Layer	Provide the data sources required for knowledge graph construction, including structured, semi-structured and unstructured data	Internet public data, internal business data
Knowledge Extraction and Processing Layer	Process various types of data at the data source layer through technologies such as knowledge extraction, ontology design, instance acquisition, and knowledge fusion	Data cleaning, text parsing, and slot filling

3. Analysis of knowledge graph construction technology

The construction process of the knowledge graph includes four main steps: data extraction, knowledge processing, knowledge storage, and graph analysis and mining. Among them, the knowledge extraction stage requires data cleaning, conversion, and fusion to ensure data quality. The knowledge processing stage forms a knowledge graph that meets the requirements through ontology design and instance acquisition.

4. Risk prevention and control applications based on knowledge graphs

Risk prevention and control applications based on knowledge graphs cover a variety of typical scenarios, including customer complex relationship mining, blacklist risk transmission monitoring, and internal operation risk monitoring. These application scenarios use real-time graph query, graph algorithm and graph machine learning technologies to achieve intelligent identification and early warning of financial risks.

5. Implementation Suggestions

During the implementation process, it is recommended that financial institutions give priority to high-quality data sources and customize knowledge graph construction strategies based on their own business needs.
It is recommended to use distributed storage and high-concurrency search engines to improve the processing efficiency of knowledge graphs.
In risk prevention and control applications, it is recommended to combine machine learning models and rule reasoning technology to achieve more accurate risk identification and disposal.

GB/T 42777-2023 Referenced Document

GB/T 36618 Information security technology—Specification for financial information service security

GB/T 42777-2023 history

2023 GB/T 42777-2023 A technical framework guide for building financial risk prevention and control knowledge graph based on text data