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Credit evaluation method and system, storage medium and terminal device

A credit evaluation and technology to be evaluated, applied in the field of information processing, can solve problems such as limited scoring models, inaccurate credit evaluation results, and inability to fully reflect the credit status of customers, so as to achieve accurate evaluation results, wide application range, and satisfy credit evaluation effect of demand

Inactive Publication Date: 2017-12-15
SHANGHAI QIANLONG INFORMATION TECH CO LTD +1
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Problems solved by technology

However, this method is limited by the scoring model, which cannot fully reflect the credit status of customers, and cannot meet the credit evaluation needs of customers with various characteristics, resulting in inaccurate credit evaluation results

Method used

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  • Credit evaluation method and system, storage medium and terminal device
  • Credit evaluation method and system, storage medium and terminal device
  • Credit evaluation method and system, storage medium and terminal device

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Embodiment Construction

[0052] Embodiments of the present invention are described below through specific examples, and those skilled in the art can easily understand other advantages and effects of the present invention from the content disclosed in this specification. The present invention can also be implemented or applied through other different specific implementation modes, and various modifications or changes can be made to the details in this specification based on different viewpoints and applications without departing from the spirit of the present invention.

[0053] It should be noted that the diagrams provided in this embodiment are only schematically illustrating the basic idea of ​​the present invention, and only the components related to the present invention are shown in the diagrams rather than the number, shape and shape of the components in actual implementation. Dimensional drawing, the type, quantity and proportion of each component can be changed arbitrarily during actual impleme...

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Abstract

The present invention provides a credit evaluation method and a system, a storage medium and a terminal device. The method includes the following steps: classifying the text information obtained in credit verification to obtain the text information of each classification; performing text word division on the text information of each classification to obtain the characteristic words for this classification; based on the characteristic words of the various classifications, establishing a credit evaluation model; and according to the text information of a to-be-evaluated client and the credit evaluation model, obtaining a credit evaluation result for the to-be-evaluated client. The credit evaluation method and the system, the storage medium and the terminal device of the present invention have a wide range of applications and meet the credit evaluation needs of clients with various characteristics. The evaluation result is accurate.

Description

technical field [0001] The present invention relates to the technical field of information processing, in particular to a credit evaluation method and system, a storage medium and a terminal device. Background technique [0002] Credit evaluation refers to the use of expert judgment or mathematical analysis methods to comprehensively evaluate the various commitment capabilities and credibility of individuals and companies, and express it in simple and clear symbols or words to meet social needs. [0003] In the financial field, especially in credit review, it is necessary to carry out credit evaluation on customers to judge whether they have the ability and creditworthiness to fulfill the credit agreement, so as to identify customers as high-quality customers (good credit) or low-quality customers (poor credit) . [0004] In the prior art, a certain scoring model is mainly used to judge the quality of a customer's credit. Specifically, based on the score of the customer on...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F17/27
CPCG06F40/216G06F40/289G06Q40/03
Inventor 张鹏何同国曾毅
Owner SHANGHAI QIANLONG INFORMATION TECH CO LTD
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