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Recommendation method and device for overdue borrowing collection mode, medium and electronic equipment

A recommendation method and technology of electronic equipment, applied in the field of recommendation methods for overdue loan collection methods, media and electronic equipment, and devices, can solve the problems of low collection work efficiency and poor overdue loan collection accuracy, and achieve accurate collection and improve efficiency. , the effect of efficient collection

Pending Publication Date: 2019-07-19
PING AN TECH (SHENZHEN) CO LTD
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  • Claims
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AI Technical Summary

Problems solved by technology

[0005] In the field of intelligent decision-making technology, in order to solve the technical problems of poor collection accuracy of overdue loans and low collection efficiency in related technologies, the present invention provides a recommended method, device, medium and electronic equipment for collection of overdue loans

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  • Recommendation method and device for overdue borrowing collection mode, medium and electronic equipment
  • Recommendation method and device for overdue borrowing collection mode, medium and electronic equipment
  • Recommendation method and device for overdue borrowing collection mode, medium and electronic equipment

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Embodiment Construction

[0031] Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the present invention. Rather, they are merely examples of apparatuses and methods consistent with aspects of the invention as recited in the appended claims.

[0032] Furthermore, the drawings are merely schematic illustrations of the present disclosure and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus repeated descriptions thereof will be omitted. Some of the block diagrams shown in the drawings are functional entities and do not necessarily correspond to physically or logic...

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Abstract

The invention relates to the technical field of intelligent decision making, and discloses a recommendation method and device for an overdue borrowing collection mode, a medium and electronic equipment. The method comprises the steps of obtaining personal basic data and borrowing state data of an overdue borrowing client; performing dimensionless processing on the personal basic data and the borrowing state data of the overdue borrowing client to obtain collection reference data of the overdue borrowing client; inputting the collection reference data of the overdue borrowing client into a machine learning model, and outputting a collection reference score of the overdue borrowing client by the machine learning model; and based on the collection reference score of the overdue borrowing client, allocating a collection mode label to the client. According to the method, efficient collection and accurate collection can be achieved in the mode that collection mode tags are intelligently distributed to borrowing overdue customers, the collection success rate is increased, the workload of manual collection is effectively reduced, and then the collection work efficiency is improved.

Description

technical field [0001] The invention relates to the technical field of intelligent decision-making, and in particular to a method, device, medium and electronic equipment for recommending collection methods for overdue loans. Background technique [0002] At present, with the rapid development of Internet financial services, more and more banks and small loan companies have launched unsecured small loans. In reality, it is more common for unsecured small loans to be overdue. Since unsecured loans have no collateral as a guarantee, it is very difficult for banks and small loan companies to collect repayments. Therefore, in order to improve the repayment rate of borrowers, banks and small loan companies need Choose the appropriate collection method for the overdue situation. [0003] In the existing technology, banks and small loan companies often adopt corresponding collection methods according to the overdue time of overdue borrowers. The longer the overdue time of the loan...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/06393G06Q40/02G06Q40/03
Inventor 张锋刘骥刘玉强金明李雯叶素兰
Owner PING AN TECH (SHENZHEN) CO LTD
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