Data processing method and device for optimizing credit evaluation model
A technology for evaluating models and models, applied in data processing applications, character and pattern recognition, finance, etc., can solve problems such as inability to accurately evaluate repayment ability, inability to build evaluation models, inability to use, etc., to solve the problem of overfitting, Evaluate the effect of model optimization and improving evaluation accuracy
Active Publication Date: 2021-03-30
SHENZHEN AUDAQUE DATA TECH
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Problems solved by technology
Credit scoring models from big lenders may be too advanced to use
Therefore, if the initial sample is small, if the user data information is incomplete and the data is missing, it is impossible to build a suitable evaluation model for evaluation
For example, one of the variables in the evaluation model of repayment ability is salary income. If the user’s salary income cannot be obtained, the repayment ability cannot be accurately evaluated
Method used
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[0046] 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.
[0047] 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.
[0048] Such as figure 1 As shown, this embodiment provides a data processing method for optimizing the credit evaluation model, including:
[0049] Step S1, obtaining relevant information of the borrower as sample data.
[0050] Wherein, the sample data includes continuous variables and discrete variables. The relevant information of the borrower refers to all the information ...
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The invention relates to a data processing method and device for optimizing a credit evaluation model. The method comprises steps that the relevant information of a borrower is acquired as sample data; the sample data is divided into a training set and a test set; the training set is utilized to carry out data modeling to acquire a preliminary evaluation model; the test set is utilized to test thepreliminary evaluation model; if the test result does not satisfy evaluation standards, a training set and a test set are acquired through re-division for another time, the training set and the testset acquired through re-division for another time are utilized to carry out data modeling and test; if the test result satisfies the evaluation standards, training is ended, and the final evaluation model is determined. The method is advantaged in that the credit evaluation model can be optimized, and evaluation precision is improved.
Description
technical field [0001] The invention relates to the technical field of financial data processing, in particular to a data processing method and device for optimizing a credit evaluation model. Background technique [0002] At present, there are many personal loan software on the market, and different software targets different target groups. In order to reduce the risk, it is necessary to evaluate the user's repayment ability, and in order to accurately target the target customers, it is necessary to evaluate the user's propensity to borrow. [0003] However, in the actual application process, the big data of the lending platform is suitable for the application of data analysts. If some missing or invalid value occurs in the credit scoring model, the model may not be able to detect it successfully and then produce biased estimates of the borrower. Also, at the start-up stage, lenders may not know what characteristics of borrowers are important in the credit scoring model. ...
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IPC IPC(8): G06K9/62G06Q40/02
Inventor 陈肖黎贾西贝
Owner SHENZHEN AUDAQUE DATA TECH