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Personal-credit evaluation method of intelligent combination and system

A credit evaluation and credit scoring technology, applied in the field of data processing, can solve the problems of inability to obtain strong financial attribute data, low model accuracy, etc., and achieve accurate training and more interpretability, enhanced risk control ability, and improved prediction accuracy. Effect

Inactive Publication Date: 2018-09-28
大连普惠火眼科技有限公司
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  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, Internet companies often can only obtain weak financial attribute data of customers, but cannot obtain strong financial attribute data such as credit information. The accuracy of the scoring model is low without strong financial attribute data characteristics, so the traditional credit scoring model is no longer suitable for the emerging Internet financial industry

Method used

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Embodiment Construction

[0032] Below in conjunction with accompanying drawing, specific embodiment of the present invention is described in further detail:

[0033] as attached figure 1 , 2 As shown, an intelligent combined personal credit evaluation method is applicable to a personal credit evaluation system, and the system includes a sample data acquisition module, a sample data processing module, a data feature training module, a scoring model building module and a scoring model Test module, the personal credit evaluation method of described intelligent combination comprises the following steps:

[0034] S1 acquires sample data of the training model by the sample data acquisition module, the sample data includes at least one data feature;

[0035] S2 divides the samples into training set I, training set II and test set according to random sampling by the sample data processing module;

[0036] S3 performing feature grouping on the sample data of the training set I, the training set II, and the ...

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Abstract

The invention discloses a personal-credit evaluation method of intelligent combination and a system. The method is suitable for use in the system. The system includes a sample data acquisition module,a sample data processing module, a data feature training module, a scoring model construction module and a scoring model test module. The method includes the steps of: S1, acquiring sample data of model training by the sample data acquisition module; S2, dividing samples into a training set I, a training set II and a test set; S3, carrying out feature grouping on the sample data of the training set I, the training set II and the test set; S4, carrying out training on each set of data features, and generating a corresponding trained sub-model by each set of data features; S5, carrying out prediction on the trained sub-models; and S6, testing a finally constructed credit scoring model on the test set by the scoring model test module to evaluate model test effect.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a credit evaluation method and system. Background technique [0002] During the period of rapid economic development in China, personal income grew rapidly, and the overall credit level was relatively high. However, as the economic growth slowed down, the central level of personal credit risk declined significantly, and there was a phenomenon of accelerated release in certain areas. Therefore, personal The development of credit scoring technology and products needs to accelerate. For China's current personal credit business, pure credit loans and loans with mortgage and pledge terms are the main ones, and the applicant's basic information needs to be collected, such as identity information, income information, residence information, expenditure information, asset status, etc. Data, the current technical solution is mainly for applicants to prepare materials themselves an...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/0639G06Q40/03
Inventor 李勇陈军叶正茂吕耀中张红月
Owner 大连普惠火眼科技有限公司
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