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Loan amount evaluation method and device

An evaluation device and quota technology, applied in the field of communication, can solve problems such as less dimensions, difficulty in filling in loan users with real-time responses, high loan risk, etc., and achieve the effect of reducing risks

Inactive Publication Date: 2016-06-15
CHINA UNITED NETWORK COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, since the above information is filled in by the loan user, it is difficult to reflect changes in many aspects in real time. This is because the loan user is usually asked manually or the borrower is required to provide information, and the above information has fewer dimensions. Therefore, based on the above information Will cause high risk of loan problems

Method used

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  • Loan amount evaluation method and device
  • Loan amount evaluation method and device
  • Loan amount evaluation method and device

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Experimental program
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Embodiment 1

[0028] figure 1 This is a flowchart of a loan line evaluation method provided by an exemplary embodiment of the present invention, please refer to figure 1 , The loan line evaluation method provided by the embodiment of the present invention is applied to a communication operator system, and the method includes the following steps:

[0029] S1. Establish a user's credit scoring model and a churn rate prediction model based on user data of the communication operator system in advance. The credit score is used to characterize the user's credit level; the churn rate characterizes the possibility of user churn; The credit score and the loss rate establish a loan line evaluation model.

[0030] Specifically, user data includes user basic data and user behavior data. Among them, user behavior data includes: call behavior data, terminal feature data, Internet behavior data, and business consumption data.

[0031] More specifically, user basic data usually refers to user inherent data, incl...

Embodiment 2

[0053] image 3 This is a functional block diagram of a loan line evaluation device provided by an exemplary embodiment of the present invention, please refer to image 3 , The loan line evaluation device includes:

[0054] The model pre-establishment module 10 is used to establish a user's credit scoring model and a churn rate prediction model based on user data of the communication operator system in advance, the credit score is used to characterize the user's credit level; the churn rate characterizes the possibility of user churn 性; and used to establish a loan line evaluation model based on the user's credit score and the loss rate in advance.

[0055] The credit score and churn rate obtaining module 11 is configured to obtain the credit score and the churn rate of the loan user based on the credit scoring model and the churn rate prediction model, and according to the user data of the loan user.

[0056] The loan line evaluation module 12 is configured to evaluate the loanable l...

Embodiment 3

[0064] The embodiment of the present invention also provides a communication operator system, including a loan line evaluation device, and the loan line evaluation device adopts the loan line evaluation device provided in the above-mentioned embodiment of the present invention.

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Abstract

The invention provides a loan amount evaluation method and a device. The method comprises the steps of establishing a credit scoring model and a churn rate prediction model in advance based on the user data of a communication service provider system; establishing a loan amount evaluation model in advance based on the credit score of a user and the churn rate; respectively acquiring the credit score of the user and the churn rate according to the user data of the loan user based on the credit scoring model and the churn rate prediction model; and evaluating the loan amount of the loan user according to the credit score of the credit user and the churn rate based on the loan amount evaluation model. According to the technical scheme of the loan amount evaluation method and the device, the loan amount can be further evaluated more reasonably. Therefore, the loan risk can be further reduced.

Description

Technical field [0001] The invention belongs to the field of communication technology, and specifically relates to a method and system for evaluating bandwidth quota based on user data of a communication operator. Background technique [0002] At present, in the financial industry loan service, the sender usually uses the transaction record of the loan user in the bank, that is, the personal information as the main reference to judge the creditworthiness of the loan user to evaluate the loan limit. [0003] However, it is difficult for the above information to be filled in by the loan user to reflect the changes in many aspects in real time. This is because the user usually asks the loan user or requires the borrower to provide information, and the above information has fewer dimensions. Therefore, based on the above information It will cause problems such as high risk of loans. Summary of the invention [0004] The present invention aims to solve at least one of the technical prob...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 王蕾陈一昕谷静宜朱志勇
Owner CHINA UNITED NETWORK COMM GRP CO LTD
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