Model training method and apparatus thereof, storage medium and electronic equipment

A model training and model technology, applied in the field of data processing, can solve problems such as insufficient classification accuracy, complicated loan procedures, and insufficient credit data changes, and achieve the effects of improving accuracy, reducing impact, and improving reliability.

Inactive Publication Date: 2017-09-15
BEIJING JINGDONG SHANGKE INFORMATION TECH CO LTD +1
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  • Abstract
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  • Claims
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Problems solved by technology

In order to control risks, banks have to adopt strict credit review procedures, resulting in too complicated loan procedures and increasing transaction costs for consumer credit; in order to solve the above problems, it is particularly important to establish a sound personal credit system, and personal credit scoring is the system important technical links in
[0003] At present, a variety

Method used

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  • Model training method and apparatus thereof, storage medium and electronic equipment
  • Model training method and apparatus thereof, storage medium and electronic equipment
  • Model training method and apparatus thereof, storage medium and electronic equipment

Examples

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Embodiment Construction

[0056] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or more of the specific details being omitted, or other methods, components, devices, steps, etc. may be adopted. In other instances, well-known technical solution...

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Abstract

The invention discloses a model training method and an apparatus thereof. The method comprises the following steps of constructing a decision function model and training the decision function model so as to acquire an importance measurement value of a plurality of training samples; according to each importance measurement value, carrying out descending sort on each training sample, and making the sorted training samples generate a characteristic subspace; classifying each training sample in the characteristic subspace and acquiring a plurality of classification results, weighting and integrating the plurality of classification results so as to acquire a predicted score; and determining whether the predicted score is the same with a preset score, and when the predicted score is not the same with the preset score, adjusting a parameter of the decision function model. By using the method, accuracy of the predicted score is increased.

Description

technical field [0001] The present disclosure relates to the technical field of data processing, and in particular, to a model training method, a model training device, a computer-readable storage medium, and electronic equipment. Background technique [0002] In recent years, consumer credit has developed rapidly, and the scale of various loan obligations such as housing, car purchases, credit cards, and student loans has continued to expand. The growing credit scale has brought great challenges to banks' risk assessment capabilities. In order to control risks, banks have to adopt strict credit review procedures, resulting in too complicated loan procedures and increasing transaction costs for consumer credit; in order to solve the above problems, it is particularly important to establish a sound personal credit system, and personal credit scoring is the system important technical links. [0003] At present, a variety of statistical models have been applied to personal cre...

Claims

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Application Information

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IPC IPC(8): G06K9/62G06Q40/02
Inventor 焦文健
Owner BEIJING JINGDONG SHANGKE INFORMATION TECH CO LTD
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