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Credit evaluation method and device

A credit evaluation and user technology, applied in the computer field, can solve the problems of high degree of missing variables, low accuracy of customer credit status evaluation, single, etc., to achieve the effect of improving accuracy

Inactive Publication Date: 2018-04-20
ONE CONNECT SMART TECH CO LTD SHENZHEN
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Problems solved by technology

However, the credit status evaluation system currently used in the industry cannot achieve a comprehensive evaluation of users. Most of them focus on certain specific single-dimensional variables, and the degree of variable missing is high, and the evaluation method is relatively single, resulting in low accuracy of customer credit status evaluation. Low, the actual application value is limited

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  • Credit evaluation method and device
  • Credit evaluation method and device
  • Credit evaluation method and device

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no. 1 example

[0042] In a first embodiment, the credit evaluation method includes:

[0043] Step S10, when a credit evaluation request for a user is received, call a pre-established second model to perform credit evaluation on the user; wherein, the second model is to first establish the first model based on a preset number of customer sample data, Then, the intermediate training set generated after filling each missing variable of each sample data determined by the first model is obtained by training;

[0044] In this embodiment, the credit evaluation request sent by the user is received, for example, the credit evaluation request sent by the user after inputting relevant information (such as personal identity information, personal income information, etc.) , such as receiving credit evaluation requests sent by users after entering relevant information on credit evaluation applications pre-installed in terminals such as mobile phones, tablet computers, and self-service terminal equipment, ...

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Abstract

The invention discloses a credit evaluation method and device. The method includes the following steps: when receiving a credit evaluation request for a user, calling a pre-established second model toevaluate the credit of the user, wherein the second model is obtained by establishing a first model according to a predetermined amount of customer sample data first and then training an immediate training set generated after each filling for the missing variables of each piece of sample data determined by the first model; and obtaining a credit evaluation result of the user. The accuracy of usercredit status evaluation is improved.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a credit evaluation method and device. Background technique [0002] At present, in the fields of finance and insurance, when a customer handles a certain business, business institutions (such as banks and insurance institutions) usually use a credit status evaluation system to evaluate the customer's personal comprehensive credit status based on the specific information of the user. evaluate. However, the credit status evaluation system currently used in the industry cannot achieve a comprehensive evaluation of users. Most of them focus on certain specific single-dimensional variables, and the degree of variable missing is high, and the evaluation method is relatively single, resulting in low accuracy of customer credit status evaluation. Low, the actual application value is limited. Contents of the invention [0003] The main purpose of the present invention is to provide...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 陈尧朱敏亭赵之砚
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN