Urgent collection method based on credit score and urgent collection device thereof

A credit scoring and credit technology, which is applied in data processing applications, instruments, finance, etc., can solve the problems of high-risk and low-amount customers not using effective collection methods, affecting accuracy, and different collection strategies, so as to achieve accurate collection risk scores, The effect of reducing bad debt losses and saving modeling time
CN106952155AInactive Publication Date: 2017-07-14深圳前海纵腾金融科技服务有限公司
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
深圳前海纵腾金融科技服务有限公司
Publication Date
2017-07-14
Estimated Expiration
Not applicable · inactive patent

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Abstract

The invention discloses an urgent collection method based on the credit score and an urgent collection device thereof. The urgent collection method comprises the steps of collecting urgent collection object credit information, processing the collected credit information, establishing a credit risk scoring model, predicting the overdue debt collection probability and performing the targeted urgent collection strategy. The risk level can be automatically judged according to the urgent collection score result so that the urgent collection strategy of the client can be reasonably determined, the urgent collection effect can be enhanced and the bad debt loss can be reduced. Data mining acts as the analysis technology so that the modeling time can be saved and the data support can be provided for the urgent collection industry. Besides, user information can also be updated in real time, the urgent collection risk score can be more accurately predicted, the most appropriate urgent collection strategy can be performed and the urgent collection task efficiency can be enhanced.
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Description

Technical field

[0001] The invention relates to the field of collection of financial non-performing assets, in particular to a collection method and device based on credit score. Background technique

[0002] In recent years, the consumer finance, microfinance, P2P and other lending industries have continued to develop, but the domestic credit investigation system still has many defects, which has led to a high rate of overdue bad debts. The most common collection of overdue arrears often results in differences in collection effects due to different collection strategies adopted. For example, there may be more aggressive collection methods for low-risk and high-value customers due to accidental forgetting and other reasons, but no effective collection methods for high-risk and low-value customers.

[0003] Existing collection methods usually have the following shortcomings: different overdue products, different credit scoring standards, lack of unified collection, maintenance, and...

Claims

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