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 so

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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Example Embodiment

[0073] Example one

[0074] figure 1 The implementation process of the method for determining the attributes of a loan product provided by the first embodiment of the present invention is shown, and the details are as follows:

[0075] Step S101, training a decision tree classifier based on historical data.

[0076] Wherein, the historical data may be attribute data of loan products stored in history. That is, the decision tree classifier can be trained through the previously stored corresponding relationship between the loan application amount, user qualifications, risk level, various fund source attributes and loan product attributes. Optionally, each fund source attribute may be information such as the level of the available amount, the length of the loanable period, and so on.

[0077] In an embodiment, the training process of the decision tree classifier based on historical data is:

[0078] Calculate the information gain of each attribute according to the training sample data se...

Example Embodiment

[0127] Example two

[0128] Corresponding to the method for determining loan product attributes described in the above embodiment, image 3 It shows a schematic diagram of the operating environment of the loan product attribute determination program provided by the embodiment of the present invention. For ease of description, only 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 is not limited to, a memory 301 and a processor 302. image 3 Only the server 30 with components 301-302 is shown, but it should be understood that it is not required to implement all of the illustrated components, and more or fewer components may be implemented instead.

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

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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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