Credit scoring method, system, computer device and readable medium

A technology for credit scoring and credit cards, applied in the fields of systems, computer equipment and readable media, and credit scoring methods

Inactive Publication Date: 2018-12-25
北京玖富普惠信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In view of this, in order to solve the problem that there are still some defects in the traditional c

Method used

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  • Credit scoring method, system, computer device and readable medium
  • Credit scoring method, system, computer device and readable medium
  • Credit scoring method, system, computer device and readable medium

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Embodiment Construction

[0059] In order to illustrate the present invention more clearly, the present invention will be further described below in conjunction with preferred embodiments and accompanying drawings. Similar parts in the figures are denoted by the same reference numerals. Those skilled in the art should understand that the content specifically described below is illustrative rather than restrictive, and should not limit the protection scope of the present invention.

[0060] The present invention provides a credit scoring method, specifically comprising:

[0061] S1: Clean the collected raw data of credit card application customers, and delete variables that do not meet the preset conditions.

[0062] S2: Perform data binning on reserved character variables.

[0063] Specifically, for character-type variables, calculate the number of levels of all character-type variables, and combine the levels with fewer levels and the level with the closest meaning to the level; calculate the number o...

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Abstract

The invention provides a credit scoring method, a system, a computer device and a readable medium. In a data acquisition stage, multi-channel information, such as operator information, credit card information and debit card information, is selected, and various aspects of information of a user are comprehensively considered, so that the prediction effect and stability of the model can be enhanced.Derived fields based on time slices can extract the information with real prediction value, and also can increase the prediction effect of the model. In the data preparation phase, the variables withhigh missing rate and the variables with difficult-to-interpret level are deleted, which enhances the stability of the whole model. In the model development phase, the variables with multicollinearity are deleted, which enhances the stability of the model. LASSO and other machine learning methods are used to select the variables with real prediction ability, which improves the prediction abilityof the final model.

Description

technical field [0001] The present invention relates to credit scoring. More specifically, it relates to a credit scoring method, system, computer equipment and readable medium. Background technique [0002] Credit rating, also known as "credit rating" or "reputation rating", is an important content and basis for establishing a social credit system. Most of the traditional credit rating methods are based on the expert method or the scorecard model, that is, a set of scoring rules is specified in advance based on the banker's experience, and then this rule is applied to score based on the actual data of the user. Chinese invention patent, application number 201710197889.0, discloses a patent named a method and system for credit rating of loan users based on machine learning. The patent discloses a credit rating method, which mainly includes: collecting the modeling sample data to obtain the merchant’s credit report and overdue data; preprocessing the credit report data, inc...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06N99/00
CPCG06Q40/03
Inventor 肖尊雷赵钢庞闪闪刘婷婷康丽娜李翠静
Owner 北京玖富普惠信息技术有限公司
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