Credit grading model updating method and system

A credit scoring and model update technology, applied in data processing applications, instruments, finance, etc., can solve problems such as inaccurate credit scoring and failure to update credit scoring models in time, and achieve the effect of ensuring reliability and accuracy

Inactive Publication Date: 2018-06-01
SHANGHAI QIANLONG INFORMATION TECH CO LTD
View PDF3 Cites 8 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of the above-mentioned shortcomings of the prior art, the purpose of the present invention is to provide a method and system for updating the credit sc

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Credit grading model updating method and system
  • Credit grading model updating method and system
  • Credit grading model updating method and system

Examples

Experimental program
Comparison scheme
Effect test

Example Embodiment

[0035] The following describes the implementation of the present invention through specific specific examples. 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 embodiments, and various details in this specification can also be modified or changed based on different viewpoints and applications without departing from the spirit of the present invention. It should be noted that the following embodiments and the features in the embodiments can be combined with each other if there is no conflict.

[0036] It should be noted that the illustrations provided in the following embodiments only illustrate the basic idea of ​​the present invention in a schematic way, so the figures only show the components related to the present invention instead of the actual implementation of the number, shape and For...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention provides a credit grading model updating method and system. The credit grading model updating method and system are used for constructing a sample of a current credit grading model as abenchmark, and the attribute availability of the current credit grading model and the stability and the accuracy of the current credit grading model are determined. When the attribute of the current credit grading model cannot be obtained or the stability of the current credit grading model exceeds a preset stability threshold value or the accuracy of the current credit grading model exceeds a preset accuracy threshold value, a new credit grading model is built so as to update the current credit grading model; otherwise, the current credit grading model is continuously used. The running condition of the current credit grading model can be monitored in real time. When the current credit grading model is invalid or the operation result is not accurate, timely updating is carried out to ensure the reliability and the accuracy of credit grading.

Description

technical field [0001] The invention relates to the field of credit evaluation, in particular to a method and system for updating a credit scoring model. Background technique [0002] In recent years, with the further application of machine learning technology in the field of credit reporting, the models applied in the credit reporting system are in the stage of diversification and integration, especially supervised learning methods, which rely heavily on training data and can Better meet the organization's evaluation needs for user credit. Now it mostly serves various Internet credit agencies and lending institutions, and the credit scoring system is more widely used. [0003] At present, the credit scoring system of personal credit information widely adopts the technical route of establishing a model offline and verifying it, and then going online after passing the verification. But after going online, the update of the model mainly depends on the fixed period set by the...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/06393G06Q40/03
Inventor 孙佰清鲍鑫孙鸿雁何同国张鹏昌黎
Owner SHANGHAI QIANLONG INFORMATION TECH CO LTD
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap