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Loan product attribute determination method and server

A technology of product attributes and determination methods, applied in the field of information processing, can solve the problems of fixed attributes of loan products and inability to meet the loan needs of different customer groups, and achieve the effect of flexible configuration

Pending Publication Date: 2018-10-09
PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] In view of this, the embodiment of the present invention provides a loan product attribute determination method and server to solve the problem in the prior art that the loan product attributes are fixed and cannot meet the loan needs of different customer groups

Method used

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  • Loan product attribute determination method and server
  • Loan product attribute determination method and server
  • Loan product attribute determination method and server

Examples

Experimental program
Comparison scheme
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Embodiment 1

[0074] figure 1 The implementation process of the loan product attribute determination method provided by Embodiment 1 of the present invention is shown, and the details are as follows:

[0075] Step S101, training a decision tree classifier according to historical data.

[0076] Wherein, the historical data may be historically stored loan product attribute data. That is, the decision tree classifier can be trained through the correspondence between the previously stored application loan amount, user qualification, risk level, attributes of various fund sources and attributes of loan products. Optionally, the attributes of each funding source may be information such as the level of the available amount, the length of the loanable period, and the like.

[0077] In one embodiment, the training process of decision tree classifier according to historical data is:

[0078] Calculate the information gain of each attribute according to the training sample data set;

[0079] Takin...

Embodiment 2

[0128] Corresponding to the loan product attribute determination method described in the above embodiment, image 3 A schematic diagram of the operating environment of the loan product attribute determination program provided by the embodiment of the present invention is shown. For ease of description, only the parts related to this embodiment are shown.

[0129] In this embodiment, the loan product attribute determination program 300 is installed and run on the server 30 . The server 30 may include, but not limited to, a memory 301 and a processor 302 . image 3 Only server 30 is shown with components 301-302, but it should be understood that implementing all of the illustrated components is not a requirement and that more or fewer components may instead be implemented.

[0130] The storage 301 may be an internal storage unit of the server 30 in some embodiments, such as a hard disk or memory of the server 30 . The memory 301 may also be an external storage device of the s...

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Abstract

The invention is applicable to the technical field of information processing, and provides a loan product attribute determination method and server. The method comprises the steps that a decision treeclassifier is trained according to historical data; the user information and application loan amount of a user are acquired, wherein the user information comprises basic information and existing loaninformation; the user qualification and risk level of the user are determined according to the acquired user information; and according to the application loan amount, the user qualification, the risk level and the attribute of each fund source, the attribute of a loan product is determined through the decision tree classifier, wherein the attribute of the loan product comprises the lending ratioof each fund source. The method can determine a better loan product for the user according to different user information and application loan amounts, can flexibly configure and meet diversified loandemands of customers, and solves actual loan demands of different customer groups.

Description

technical field [0001] The invention belongs to the technical field of information processing, and in particular relates to a loan product attribute determination method and a server. Background technique [0002] The current loan products on the market generally have fixed product models and attributes. When customers choose or apply, they provide loan products to customers through system defaults, etc., and cannot be flexibly configured and allocated according to customers' actual needs. Usually the loan products are fixed. If the customer cannot meet some of the loan requirements corresponding to the fixed loan product, he cannot apply for the loan product and cannot meet the loan needs of different customer groups. Contents of the invention [0003] In view of this, the embodiment of the present invention provides a loan product attribute determination method and a server to solve the problem in the prior art that the fixed loan product attributes cannot meet the loan ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06K9/62
CPCG06Q40/03G06F18/24323
Inventor 刘延磊
Owner PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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