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Overdue risk prediction method and device of credit application

A risk prediction and credit technology, applied in the field of data processing, can solve problems such as low efficiency, vulnerability to environmental factors, dependence on expert experience and subjective factors, etc.

Active Publication Date: 2018-08-10
杭州茂财网络技术有限公司
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AI Technical Summary

Problems solved by technology

In related technologies, it is possible to predict the overdue risk of users based on the determination rules by setting the determination rules; however, the establishment of the determination rules requires a lot of time, manpower and material costs, and is extremely dependent on expert experience and subjective factors , not only extremely inefficient, but also extremely vulnerable to environmental factors

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  • Overdue risk prediction method and device of credit application
  • Overdue risk prediction method and device of credit application
  • Overdue risk prediction method and device of credit application

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Embodiment Construction

[0023] Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. Implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of this specification. Rather, they are merely examples of apparatuses and methods consistent with aspects of one or more embodiments of the present specification as recited in the appended claims.

[0024] It should be noted that in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described in this specification. In some other embodiments, the method may include more or less steps than those described in this specification. In addition, a single step described in this...

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Abstract

The invention provides an overdue risk prediction method and device of credit application. The method can comprise that original characteristic is extracted from credit application data of a user to be predicted; a characteristic compressed coding model is used to process the original characteristic to obtain a corresponding compressed coding characteristic; the characteristic compressed coding model is obtained by training a mark sample characteristic corresponding to mark sample data and a mark-free sample characteristic corresponding to mark-free sample data without monitoring, the mark sample data is form credit application users who succeed in application, and the mark-free sample data is form credit application users who fail in application; and a characteristic set related to the compressed coding characteristic is generated, and an overdue risk prediction model is used to process the characteristic set to obtain a corresponding overdue risk prediction probability.

Description

technical field [0001] One or more embodiments of this specification relate to the technical field of data processing, and in particular to a method and device for predicting overdue risks of credit applications. Background technique [0002] When a user submits a credit application, by predicting the overdue risk of the user before the loan, the probability of overdue or even bad debts after the loan is completed can be reduced. In related technologies, it is possible to predict the overdue risk of users based on the determination rules by setting the determination rules; however, the establishment of the determination rules requires a lot of time, manpower and material costs, and is extremely dependent on expert experience and subjective factors , not only extremely inefficient, but also extremely vulnerable to environmental factors. Contents of the invention [0003] In view of this, one or more embodiments of this specification provide a method and device for overdue ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 尤志强潘琪车曦
Owner 杭州茂财网络技术有限公司
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