Credit assessment model training and assessment method and device

A credit evaluation and training method technology, applied in data processing applications, instruments, finance, etc., can solve the problems of complex calculation process and poor explainability, and achieve the effects of reducing bad debt rate, high accuracy, and high work efficiency

Active Publication Date: 2019-05-17
JIANGXI NORMAL UNIVERSITY
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However, due to the complexity of the calculation process, these artificial

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  • Credit assessment model training and assessment method and device
  • Credit assessment model training and assessment method and device
  • Credit assessment model training and assessment method and device

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Embodiment Construction

[0061] The method and device proposed by the present invention will be further described in detail below with reference to the embodiments and accompanying drawings.

[0062] The flow chart of the credit evaluation model training method based on weighted soft decision forest in this embodiment is shown in the attached figure 1 Shown, the credit evaluation model training method that the present invention proposes is used for training WSDF credit evaluation model, mainly comprises the following steps:

[0063] S11. Obtain user data and evaluation results (model training data) in the credit investigation system of users who have correct credit evaluation results.

[0064] Specifically, user data should have certain relevance or practical significance, including but not limited to demographic characteristics (age, gender, education, occupation, etc.), user asset information (bank deposits, marketable bonds, fixed assets ), social network relationship, transaction behavior and dat...

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Abstract

The invention discloses a credit assessment model training and assessment method and device, and a credit assessment model is obtained through the training method and the training method comprises thesteps of obtaining user data and an assessment result of a user with a correct credit assessment result in a credit investigation system; preprocessing user data in the collected user data, converting the user data into numerical data, including but not limited to performing One hot transform on the category type data, and normalizing the numerical data; constructing m SDT sub-classifiers, m being a positive integer, and constructing an SDT weight generator for generating weight probability distribution of the m SDT sub-classifiers; and performing end-to-end training on the WSDF model with m+ 1 soft decision trees by using the preprocessed user data. The credit assessment model and device constructed by the method has higher working efficiency, and can reduce the bad account rate; and meanwhile, a visual decision-making process is generated.

Description

technical field [0001] The invention discloses a credit evaluation model training and evaluation method and device in the field of financial risk evaluation, and specifically relates to a credit evaluation model training and evaluation method and device based on a weighted soft decision forest. Background technique [0002] Credit assessment is a critical step for financial institutions to predict whether a customer will default. Incorrect credit assessments can cost financial institutions financially. Developing an intelligent credit evaluation system can not only improve the work efficiency of financial institutions, but also reduce the bad debt rate. In recent years, most of the commonly used traditional credit information systems use scorecards to build user credit models. Scorecards are primarily implemented using the logistic regression algorithm, which can improve the performance of linear models. [0003] However, although the commonly used linear model can guaran...

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Application Information

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IPC IPC(8): G06Q40/02
CPCY02D10/00
Inventor 刘欣阳周琪云曲彦文高子健
Owner JIANGXI NORMAL UNIVERSITY
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