Repayment probability prediction model building method and device

A technology for probabilistic forecasting and construction methods, applied in forecasting, instrumentation, finance, etc., to solve problems such as missing the best time, scattered collection resources, and unsatisfactory effects.

Inactive Publication Date: 2018-07-06
成都智宝大数据科技有限公司
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Problems solved by technology

[0004] Therefore, this people-based collection management method will cause two problems: the first is that the early collection of high-risk borrowers is not strong enough, resulting in missing the best opportunity; ideal

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  • Repayment probability prediction model building method and device
  • Repayment probability prediction model building method and device
  • Repayment probability prediction model building method and device

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Embodiment Construction

[0023] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. The components of the embodiments of the invention generally described and illustrated in the figures herein may be arranged and designed in a variety of different configurations. Accordingly, the following detailed description of the embodiments of the invention provided in the accompanying drawings is not intended to limit the scope of the claimed invention, but merely represents selected embodiments of the invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without making creative efforts belong to the protection scope of the present invention.

[0024] It should be noted that like numerals and let...

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Abstract

An embodiment of the invention provides a repayment probability prediction model building method and device, and belongs to the field of credit prediction. The method includes the steps: firstly, acquiring a plurality of default customer historical data sets as training sets of a model; secondly, acquiring a loan customer data characteristic set from the training sets by characteristic extraction;building a repayment probability prediction model based on the loan customer data characteristic set and a preset algorithm. The repayment probability of customers can be predicted by the built repayment probability prediction model, so that the customers with lower repayment probability can be effectively recognized, high-risk customers are discovered as early as possible, repayment is collectedby corresponding collection means, more reasonable collection arrangement is realized, and collection efficiency is remarkably improved.

Description

technical field [0001] The invention relates to the field of credit evaluation, in particular to a method and device for constructing a repayment probability prediction model. Background technique [0002] my country's personal retail credit industry is booming, in areas such as credit cards, housing loans, auto loans, personal student loans, durable consumer goods loans, and online cash loans. The total number of defaulting customers is expanding and the ratio of collection manpower is relatively insufficient The contradictions are becoming more and more prominent, and higher requirements are put forward for the management of collection resources of lending institutions. [0003] At present, the collection business of domestic lending institutions is mainly managed by people, and the management method is related to the overdue time of the borrower. In the early stage of overdue borrowers (within 30 days overdue), the collection efforts are relatively small, mainly through t...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q40/02
CPCG06Q10/04G06Q40/03
Inventor 兰翔钟磊李得元
Owner 成都智宝大数据科技有限公司
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