Text analysis-based credit risk assessment method and apparatus

The invention discloses a text analysis-based credit risk assessment method and apparatus. The method comprises the steps of obtaining a text of a borrower; analyzing the text to obtain a basic language feature, wherein the basic language feature is used for predicting whether the borrower breaks a contract or not; inputting the basic language feature to a preset credit risk assessment model to obtain a credit risk value, output by the credit risk assessment model, of the borrower; and outputting the credit risk value of the borrower.