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Modeling method of evaluation model and apparatus thereof

A technology for evaluating models and modeling methods, applied in computational models, neural learning methods, biological neural network models, etc.

Inactive Publication Date: 2018-01-30
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] However, in practical applications, when there are many business scenarios, the business score obtained through the business risk assessment of the business risk model constructed in a single scenario is usually not universal and cannot be applied to a variety of different business scenarios

Method used

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  • Modeling method of evaluation model and apparatus thereof
  • Modeling method of evaluation model and apparatus thereof
  • Modeling method of evaluation model and apparatus thereof

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Embodiment Construction

[0036] In practical applications, when evaluating business risks for multiple different business scenarios, it is usually hoped that the trained evaluation model can be applied to different business scenarios;

[0037] For example, when the above-mentioned business is a credit business, the above-mentioned evaluation model can usually be a credit risk evaluation model at this time, and the above-mentioned multiple different business scenarios can include different credit business scenarios such as credit card, housing loan, and car loan. In this case It is generally hoped that the credit score obtained by the above-mentioned credit risk evaluation model for business risk evaluation can be universal and perform well in different scenarios such as loans, credit cards, and consumer finance.

[0038] In related technologies, in order to solve the above problems, there are usually the following modeling methods:

[0039] The first is to train an evaluation risk model based on model...

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Abstract

The invention provides a modeling method of an evaluation model and an apparatus thereof. The method comprises the following steps of collecting modeling samples from a plurality of modeling scenes respectively, wherein each modeling sample includes a scene variable and several basic variables, and the scene variable indicates the modeling scene which the modeling sample belongs to; based on the modeling samples collected from the plurality of modeling scenes, creating a modeling sample set; and based on the modeling samples in the modeling sample set, training the evaluation model, wherein the evaluation model is an additive model, and the evaluation model is formed through adding a model portion formed by the several basic variables and a model portion formed by the scene variable. In the invention, a modeling complexity can be reduced and a grade acquired based on the model can be suitable for different service scenes.

Description

technical field [0001] The present application relates to the field of computer applications, in particular to a modeling method and device for an evaluation model. Background technique [0002] The business risk model is an evaluation model used to evaluate business risks. In related technologies, it is usually possible to collect a large amount of business data as modeling samples in a certain business scenario, and classify the modeling samples based on whether the modeling samples contain predefined business risk events, and then use statistical models or machine learning to The method is used to train the modeling samples to build a business risk model. [0003] After the business risk model is built, target business data can be input into the business risk model for risk assessment to predict the probability of such business risk events, and then convert the probability into a corresponding business score to reflect the business risk level. [0004] However, in pract...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06
CPCG06Q10/0635G06Q10/04G06Q40/03G06Q10/0637G06Q10/067G06N20/00G06N3/08
Inventor 赵星杜玮
Owner ADVANCED NEW TECH CO LTD
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