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GB/T 41462-2022Requirements for financial risks control based on text data (English PDF)

基于文本数据的金融风险防控要求

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Issued by

SAMR; SAC

Level / Type

National · Recommended

Issue date

April 15, 2022

Implementation date

November 1, 2022

Scope

GB/T 41462-2022 is the English-translated version of 基于文本数据的金融风险防控要求.

GB/T 41462-2022 sets the requirements for controlling financial risk from text data.

It gives the overall framework and then the requirements on the text data itself, on its preprocessing, on the extraction of information, on the presentation of the data, on the analysis and the warnings drawn from it, on the interaction with the user, on the evaluation of the system, on security protection and on the hardware and software.

It applies to the processing of financial text data and to the mining, extraction and analysis of the information in it. Banks, fintech suppliers and financial regulators use it. Issued on 15 April 2022, it has applied since 1 November 2022.

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Document preview — GB/T 41462-2022

National Standard of the People's Republic of China

ICS: 03.060
Classification: A 11

Issued by: State Administration for Market Regulation; Standardization Administration of the PRC

Preface
1 Scope
2 Normative references
3 Terms and Definitions
4 Abbreviations
5 Overall framework
6 Text Data Requirements
7 Preprocessing
8 Information extraction
8.1 Overview
8.2 The overall framework of information extraction
8.3 Extracted content and feature analysis
8.4 Extraction method
9 Data representation
9.1 General requirements
9.2 Data representation evaluation
9.3 Structured representation based on RDFS
10 Analysis and warning
10.1 Data Cleaning
10.2 Modeling methods
10.3 Analytical methods
11 User Interaction
12 System Evaluation
12.1 Principle
12.2 Category
12.3 Evaluation methods
12.4 Evaluation Indicators
13 Safety protection
13.1 Safety technical requirements
13.2 Safety Management Requirements
14 Hardware and software requirements
14.1 Basic Hardware Requirements
14.2 Basic software requirements
Appendix A (normative) AHP-based indicator weight determination method
Appendix B (Informative) RDFS Structured Description
Appendix C (normative) RDFS indicates specific technical process
Reference

Foreword

This document is in accordance with the provisions of GB/T 1.1-2020 "Guidelines for Standardization Work Part 1: Structure and Drafting Rules of Standardization Documents" drafted.

1 Scope

This document specifies the overall framework, text data requirements, preprocessing, information extraction, and data tables for financial risk prevention and control based on text data. display, analysis and warning, user interaction, system evaluation, security protection, hardware and software requirements.

This document is suitable for financial-related text data processing and financial information mining, extraction and analysis.

2 Normative references

The contents of the following documents constitute essential provisions of this document through normative references in the text. Among them, dated citations documents, only the version corresponding to that date applies to this document; for undated references, the latest edition (including all amendments) applies to this document.

GB/T 4754-2017 National Economic Industry Classification

GB/T 20269-2006 Information Security Technology Information System Security Management Requirements

GB/T 20271-2006 General security technical requirements for information security technology information system

GB/T 32319-2015 Specification for description of product manuals in the banking industry

ISO 21586:2020 Reference data for financial services - Specification for description of service descriptions of banking products [Referencedatafor

3 Terms and Definitions

The following terms and definitions apply to this document.

3.1 Learning

The process by which a biological or automated system acquires knowledge or skills so that it can be used to improve its performance. [Source: GB/T 5271.31-2006, 31.01.01]

3.2 Concept

An abstract entity that determines class membership.

Note: The concept is used for object classification. [Source: GB/T 5271.31-2006, 31.01.06]

3.3 Semantics

The relationship between words or phrases and their meanings. [Source: GB/T 12200.1-1990, 4.1.2.12]

3.4 Text

textdata Data in the form of characters, symbols, words, phrases, paragraphs, sentences, tables, or other arrangements of characters intended to convey a meaning, which

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This preview omits tables, figures, formulas and parts of the technical clauses. The complete document — 24 pages — is available in the English PDF.

Referenced standards

Normative references

ISO 21586:2020

Similar standards

GB/T 48017.1-2026|GB/T 48018-2026|GB/T 35616-2025|GB/T 35617-2025|GB/T 35618-2025|GB/T 45249.1-2025

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