User credit evaluation method based on operator data

Abstract

The embodiment of the invention provides a user credit evaluation method and device based on operator data. The method comprises the following steps: determining a call relationship network of each user in a call bill within a preset time period according to the call bill of the preset time period; according to a call behavior relationship among various users in the call relationship network, dividing the call relationship network into n communities Cn; determining a basic credit score of others users in the communities Cn according to a fair credit score of a seed user in the communities Cn,wherein the seed user is a user having the fair credit score in a credit reporting agency; determining the importance level of each user in the communities Cn according to a calling and called relationship between various users in the communities Cn; and determining an individual credit score of each user in the communities Cn according to the basic credit score and the importance level. The usercredit evaluation method based on the operator data provided by the embodiment of the invention can effectively solve the problem of rating a newly-added customer by a bank and a financial institutionand expand coverage users of credit scoring products.

Description

technical field [0001] The embodiment of the present invention relates to the technical field of big data services, in particular to a method and device for user credit evaluation based on operator data. Background technique [0002] With the vigorous development of the capital market, the management and control of credit has become one of the important tasks of the internal management of modern enterprises. As a fundamental social relationship, credit has become another way of resource allocation besides the market. At present, the application of credit evaluation by operators is mainly focused on internal business, and there are few attempts in external application scenarios. The internal application is usually to conduct risk analysis and assessment of "default" behaviors such as customer arrears and bad debts, so as to realize reasonable customization of customer services and improve profitability. [0003] The current technical solutions for operators' internal busines...

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