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Overdue prediction model generation method and terminal equipment

A prediction model and learning model technology, applied in the field of data processing, can solve problems such as the inability to assess and predict users' overdue risks, and achieve efficient and accurate predictions

Pending Publication Date: 2018-09-25
PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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  • Abstract
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  • Claims
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AI Technical Summary

Problems solved by technology

[0004] In view of this, an embodiment of the present invention provides a method for generating an overdue prediction model and a terminal device to solve the problem in the prior art that the user's overdue risk cannot be effectively evaluated and predicted

Method used

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  • Overdue prediction model generation method and terminal equipment
  • Overdue prediction model generation method and terminal equipment
  • Overdue prediction model generation method and terminal equipment

Examples

Experimental program
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Embodiment 2

[0053] As a specific implementation method of the learning model, such as figure 2 As shown, Embodiment 2 of the present invention includes:

[0054] S201. Calculate information entropy corresponding to M users based on overdue category labels.

[0055] Among them, the calculation formula of information entropy corresponding to M users is as follows:

[0056]

[0057] m Uover is the number of users who have no overdue behavior among M users, M Over is the number of users with overdue behavior among the M users.

[0058] S202. Perform two-dimensional processing on the L types of user attribute data, and calculate division information entropy and split information corresponding to the L types of user attribute data.

[0059] Two-dimensional processing refers to dividing user attribute data into two types of states according to certain rules, and designating one of the states as the first state. The first type of status divides the living situation into two types of stat...

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Abstract

The invention provides an overdue prediction model generation method and terminal equipment suitable for the technical field of data processing. The method comprises that user attribute data is screened via a learning model, and N types of user attribute data with highest relational degree of an overdue type label are obtained; users are grouped at random to obtain training sample matrixes in which the user number is at random, and the training sample matrix are trained to obtain sub prediction models respectively. and a voting coefficient of each sub prediction model is calculated on the basis of the number of included users, and a needed overdue prediction model is constructed. Thus, overdue of users can be predicted effectively and accurately.

Description

technical field [0001] The invention belongs to the technical field of data processing, and in particular relates to a method for generating an overdue prediction model and a terminal device. Background technique [0002] In the prior art, the risk management of the user after the loan is relatively simple, which is to passively obtain the results of whether the user is overdue, and after it is determined that the user is overdue, follow-up collection or claim processing is carried out. However, when the user fails to repay after the due date, the lending company has already suffered a certain economic loss. At the same time, it is difficult to recover the default funds of the overdue user, which further aggravates the economic loss of the lending company. [0003] To sum up, it is impossible to effectively evaluate and predict the user's overdue risk in the prior art. Contents of the invention [0004] In view of this, an embodiment of the present invention provides a me...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
Inventor 盘兵
Owner PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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