The invention discloses a credit score card model training method and a taxpayer abnormal risk assessment method. The risk assessment method provided by the invention comprises the following steps of:s1, obtaining a training sample; s2, obtaining initial features; s3, serializing the category features; s4, selecting continuous feature initial binning points; s5, selecting a continuous feature optimal binning point; s6, ensuring the monotonicity of a continuous feature binning result, s7, selecting features with high predictability for feature selection, s8, training the risk model by using alogistic regression model, and s9, predicting the abnormal risk of the taxpayer by using the learned taxpayer abnormal risk model. According to the method, the prediction result of the model is improved, potential risk taxpayers can be found in advance, tax authorities are helped to control invoice receiving and invoicing behaviors of the risk taxpayers in advance, and the cost of false invoicingof enterprises made by criminals is increased.