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Credit scoring model establishing method and device and readable storage medium

A technology of credit scoring and establishment methods, applied in the computer field, can solve the problems of low accuracy of personal credit evaluation, achieve the effects of increasing creation speed, enhancing universality, and improving processing efficiency

Active Publication Date: 2019-09-03
TENCENT TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention provides a method, device and readable storage medium for establishing a credit scoring model, which are used to solve the technical problem of low accuracy of the user's personal credit evaluation in the prior art

Method used

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  • Credit scoring model establishing method and device and readable storage medium
  • Credit scoring model establishing method and device and readable storage medium
  • Credit scoring model establishing method and device and readable storage medium

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Embodiment Construction

[0084] In order to make the purpose, technical solutions and advantages of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention. In the case of no conflict, the embodiments and the features in the embodiments of the present invention can be combined arbitrarily with each other. Also, although a logical order is shown in the flowcharts, in some cases the steps shown or described may be performed in an order different from that shown or described herein.

[0085] The t...

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Abstract

The invention discloses a credit scoring model establishing method and device and a readable storage medium, and belongs to the technical field of computers. The credit scoring model establishing method comprises: analyzing and processing the short message sample set to obtain a short message characteristic variable; establishing a credit scoring model based on the short message characteristic variable. Because the short message in a certain time period can truly and universally reflect the actual condition of the user in the time period, for example, actual economic conditions and consumptioncapacity, the short messages serve as the modeling basis of the credit scoring model can guarantee the universality and the applicability of the credit scoring model, and due to the fact that specialrequirements for financial elements are not needed any more, the credit scoring requirements of most enterprises can be conveniently and accurately met.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a method, device and readable storage medium for establishing a credit scoring model. Background technique [0002] In recent years, with the rapid development of Internet technology, more and more people conduct various data services through the Internet, and user credit evaluation has become a hot topic. At present, users are generally credited through personal credit scoring models. Evaluate. [0003] The personal credit scoring model in the prior art is generally established directly using some financial behavior characteristics. In other words, the scoring elements currently used in personal credit scoring mainly involve the user's financial behavior characteristics, such as default history, Debt burden, credit card repayment, etc. However, for companies in the non-financial industry, there are few financial-related characteristic data involved, so when evaluating user cr...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03Y02D30/70
Inventor 吴汉杰黄勇卫
Owner TENCENT TECH (SHENZHEN) CO LTD
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