Credit line evaluation method and device based on driving behavior

Abstract

The embodiment of the invention discloses a credit line evaluation method and a device based on driving behavior. A credit line evaluation method based on driving behavior includes: determining a first credit line score according to a first information of a user, wherein the first credit line score is used for evaluating a personal consumption credit line of the user; determining a second credit score based on the second information of the user, the second credit score being used to evaluate the driving credit of the user; determining a comprehensive credit score of the user based on the firstcredit score and the second credit score, the comprehensive credit score being used to determine a credit line of a vehicle loan of the user. Based on the driving behavior of credit line scoring method, combined with driving behavior evaluation and personal credit evaluation two scoring mechanisms, for the car loan needs of the customer, positioning is more accurate and the basic interests of thecar loan company is guaranteed.

Description

technical field [0001] The present application relates to the field of credit evaluation, in particular to a method and device for evaluating a credit line based on driving behavior. Background technique [0002] Since entering the 21st century, big data and Internet finance have been greatly developed. As one of the important components of Internet finance, peer-to-peer network (Peer-to-peer networking, P2P) takes advantage of the unique advantages of Internet technology and has a relatively The traditional method is more convenient, faster and more transparent, and it has developed rapidly in the field of small car loans, which is a powerful supplement and improvement to the traditional financial industry. The core of auto loan P2P companies is risk control, while personal credit rating is the core of risk control. At present, it is common to use a default model to construct a personal credit score card, based on the information obtained from banks and other institutions,...

AI Technical Summary

Problems solved by technology

[0003] However, how to build a personal credit scoring model with high accuracy and reference value is the key to the long-term operation of car loan P2P companies. At present, only based on information obtained from banks and other institutions, the personal credit evaluation of users is obviously It is not comprehensive and cannot accurately locate customers. This evaluation method is not specific to the specified borrowing reasons, which will lead to a substandard final score and cause unnecessary economic losses to the lending company.

For example, if a user has good credit and credit, but the user’s driving behavior is poor, traffic accidents will easily occur, which will not only pose a great threat to their own safety, but also cause unnecessary economic losses to the car loan company

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