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Credit scoring model update method and credit scoring model update system

A technology of credit scoring and update method, applied in the field of data processing, can solve the problems of high cost and long update cycle of credit scoring model, and achieve the effect of improving performance, shortening update cycle and reducing cost

Inactive Publication Date: 2016-10-12
SHENZHEN AUDAQUE DATA TECH
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AI Technical Summary

Problems solved by technology

[0010] The existing credit scoring model applied to the loan system has a long update cycle and high cost

Method used

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  • Credit scoring model update method and credit scoring model update system
  • Credit scoring model update method and credit scoring model update system

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Embodiment Construction

[0025] Embodiments of the technical solutions of the present invention will be described in detail below in conjunction with the accompanying drawings. The following examples are only used to illustrate the technical solution of the present invention more clearly, so they are only examples, and should not be used to limit the protection scope of the present invention.

[0026] It should be noted that, unless otherwise specified, the technical terms or scientific terms used in this application shall have the usual meanings understood by those skilled in the art to which the present invention belongs.

[0027] like figure 1 As shown, the updating method of the credit scoring model that the embodiment of the present invention provides includes:

[0028] Step S1, obtaining a loan request message, which at least carries user identification information and loan information.

[0029] Step S2, judging whether the user identification information is new user identification information...

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Abstract

The invention provides a credit scoring model update method and a credit scoring model update system. The credit scoring model update method comprises the steps that loan application request information is acquired, and at least comprises user identity information and loan information; when the user identity information is new user identity information, sample data is generated according to the loan information; when the user identity information is not new user identity information, the corresponding sample data is updated according to the loan information; stability and / or accuracy of a current credit scoring model are / is monitored by using the sample data generated in a preset time duration; when the current credit scoring model is unstable or inaccurate, a new credit scoring model is generated, and whether the new credit scoring model is useable is detected by a testing platform until a useable new credit scoring model is generated; the current credit scoring model is replaced by the useable new credit scoring model. The credit scoring model update method and the credit scoring model update system are advantageous in that the update cycle of the credit scoring model is reduced, and the cost is reduced.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a method and system for updating a credit scoring model. Background technique [0002] The loan system needs to evaluate the user's credit, so it will use the credit scoring model. [0003] The current technical solution is usually to complete the sample training offline, establish a credit scoring model, and then manually verify the credit scoring model offline, and then go online after the verification is passed. [0004] In the lending process, the process of generating and updating the credit scoring model for evaluating user credit is as follows: [0005] Use existing samples for training to establish a credit scoring model; [0006] Wait for the performance of the sample, after a period of performance, get the performance result of the sample, and manually verify the credit scoring model based on the performance result of the sample; [0007] After the verificati...

Claims

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Application Information

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IPC IPC(8): G06Q30/06G06Q40/00
CPCG06Q30/0609G06Q40/00
Inventor 刘慧贾西贝
Owner SHENZHEN AUDAQUE DATA TECH
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