Method and apparatus for determining level of risk of user, and computer device

A system for determining a risk level of a user, comprising one or more processors and one or more non-transitory computer-readable memories coupled to the one or more processors and configured with instructions executable by the one or more processors to cause the system to perform operations comprising:

• obtaining first user data and second user data of a user, the first user data reflecting at least one user attribute related to a risk tolerance of the user, and the second user data being behavior data generated during a risk-related transaction of the user;
• determining, according to the first user data, a first index for representing the risk tolerance of the user;
• determining, according to the second user data, a second index for representing a risk preference degree of the user;
• and
• determining a user risk level of the user according to the first index and the second index.

A non-transitory computer-readable storage medium for determining a risk level of a user, the storage medium configured with instructions executable by one or more processors to cause the one or more processors to perform operations comprising:

• obtaining first user data and second user data of a user, the first user data reflecting at least one user attribute related to a risk tolerance of the user, and the second user data being behavior data generated during a risk-related transaction of the user;
• determining, according to the first user data, a first index for representing the risk tolerance of the user;
• determining, according to the second user data, a second index for representing a risk preference degree of the user;
• and
• determining a user risk level of the user according to the first index and the second index.