Credit evaluation method based on fusion model, electronic device and storage medium

A technology of credit evaluation and fusion model, which is applied in the fields of digital data processing, character and pattern recognition, and special data processing applications.

Inactive Publication Date: 2018-03-06
广州汪汪信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0020] In order to solve the above problems, one of the purposes of the present invention is to provide a credit evaluation method based on a fusion model, which can solve the problem that the traditional credit evaluation method is not accurate enough
[0021] The second object of the present invention is t

Method used

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  • Credit evaluation method based on fusion model, electronic device and storage medium
  • Credit evaluation method based on fusion model, electronic device and storage medium
  • Credit evaluation method based on fusion model, electronic device and storage medium

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Embodiment 1

[0083] like figure 1 As shown, the present invention provides a credit evaluation method based on a fusion model, comprising the following steps:

[0084] S0: Collect credit data belonging to different individuals as samples, and mark each element in the sample with its corresponding credit rating. The S0 step includes the following sub-steps:

[0085] S01: Collect credit data from the government belonging to different individuals as samples. The credit data includes identity attributes, contract performance capabilities, credit records, behavioral characteristics, social information, and public information such as civil, criminal, and administrative litigation judgments. These six types of credit data represent six dimensions. Analysis of credit data from these six dimensions can lead to an individual's credit level, but the premise is to ensure the reliability of the data. Because personal-based credit assessment requires a large amount of relevant data to ensure the accura...

Embodiment 2

[0104] The second embodiment discloses an electronic device, the electronic device includes a processor, a memory, and a program, wherein one or more of the processors and the memory can be used, and the program is stored in the memory and configured to be executed by the processor, When the processor executes the program, the fusion model-based credit evaluation method of the first embodiment is implemented. The electronic device may be a series of electronic devices such as a mobile phone, a computer, a tablet computer, and the like.

Embodiment 3

[0106] The third embodiment discloses a readable computer storage medium, the storage medium is used for storing a program, and when the program is executed by a processor, the fusion model-based credit evaluation method of the first embodiment is implemented.

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Abstract

The present invention discloses a credit evaluation method based on a fusion model. The method comprises: collecting individual personal credit data as a sample and simultaneously marking the credit rating; dividing the credit data into a plurality of training sets of equal element numbers through random sampling, and putting the training sets into different single classifiers, wherein each singleclassifier implements a classification algorithm; fusing results generated by each single classifier by using a fusion algorithm, extracting an optimal classification scheme, and recording the schemeby using a mathematical model to generate a preliminary model; and finally re-inputting the data to the preliminary model and verifying the data. The present invention also discloses an electronic device and a computer-readable storage medium applying to the method. According to the technical scheme of the present invention, multiple single classifiers are integrated to select the most appropriate classification scheme by means of an ensemble learning method, and respective weaknesses are overcome to exerting the greatest effect, so that the accuracy of the credit rating evaluation by using the fusion model can be improved.

Description

technical field [0001] The invention relates to the field of credit evaluation, in particular to a credit evaluation method, electronic device and storage medium based on a fusion model. Background technique [0002] With the gradual development of credit services, the importance of credit assessment technology is increasing day by day. The credit evaluation problem is essentially a classification problem, and the classifier is trained by the labeled training data to obtain the evaluation model. The k-NN algorithm, SVM algorithm and GBDT algorithm are algorithms for classifying data and are often used in fields involving credit evaluation. [0003] 1. The basic idea of ​​k-NN algorithm [0004] The k-NN algorithm, also known as the k-nearest neighbor method, the basic idea of ​​​​the k-NN method is: suppose that there are c categories w 1 ,w 2 ,w 3 ,…,w c The sample set of , each class has a sample N marked with the class i , i=1,2,...,c. [0005] Assuming that there...

Claims

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Application Information

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IPC IPC(8): G06F17/30G06K9/62
CPCG06F16/215G06F16/245G06F16/254G06F18/2135G06F18/2411G06F18/24147G06F18/24323G06F18/254G06F18/24G06F18/214
Inventor 蔡毅
Owner 广州汪汪信息技术有限公司
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