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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
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  • Abstract
  • Description
  • Claims
  • Application Information

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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 scoring model, which is used to solve the problems in the prior art that the credit scoring model cannot be updated in time, resulting in inaccurate credit scoring, etc.

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  • Credit grading model updating method and system
  • Credit grading model updating method and system

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Embodiment Construction

[0035] Embodiments of the present invention are described below through specific examples, and 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 modifications or changes can be made to the details in this specification based on different viewpoints and applications without departing from the spirit of the present invention. It should be noted that, in the case of no conflict, the following embodiments and features in the embodiments can be combined with each other.

[0036] It should be noted that the diagrams provided in the following embodiments are only schematically illustrating the basic ideas of the present invention, and only the components related to the present invention are shown in the diagrams rather than the number, shape and number of components in act...

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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

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Application Information

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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
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