Power customer credit evaluating method based on large data credit investigation

Abstract

The invention discloses a power customer credit evaluating method based on large data credit investigation. The method comprises the steps of constructing a power customer credit evaluating indicatorsystem, wherein the power customer credit evaluating indicator system comprises multiple pieces of power user information, and the power user information comprises but are not limited to customer basic information, arrearage information, power utilization behaviors, contract breaking records and demand-side factors; obtaining information corresponding to the power customer credit evaluating indicator system, and preprocessing the obtained power user information to sift out qualified and accurate information; constructing a dynamic power customer credit evaluating model, and inputting the sifted qualified and accurate information to the customer credit evaluating model to correspondingly obtain the level of each power user; adopting corresponding processing measures according to different levels to achieve risk prevention of electric charge. Individualized marketing and service strategies are customized for users with different power utilization types, different industries and differentpower utilization scales, the operation risk is avoided, and the economic benefit of power supply enterprises is improved.

Description

technical field [0001] The invention belongs to the field of big data, and in particular relates to a credit evaluation method for electric power customers based on big data credit investigation. Background technique [0002] The credit evaluation is based on the comprehensive analysis of electricity customers with different levels of monthly average electricity bills, fully analyzing the historical payment behavior of electricity customers, operating status, customer bank credit, operator conditions, current economic conditions of the industry, etc., from multiple perspectives Establish a scientific credit evaluation index system and credit evaluation module for electricity customers in two dimensions, conduct quantitative analysis and scientific evaluation of the credit status of electricity customers, and classify customers into different levels; [0003] Risk prevention is based on the requirements for electricity fee recovery, based on the credit evaluation index system...

AI Technical Summary

Problems solved by technology

[0005] In order to solve the defects of the existing technology that only relies on manual information collection data and the subjectivity of manual judgment, the present invention provides a credit evaluation method for electric power customers based on big data credit investigation, which combines basic customer information, electricity consumption and payment Information data, building a credit evaluation model, and rating power terminal customers

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