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Pre-loan risk analysis method, device and equipment and readable storage medium

A technology with risk analysis and differentiation ability, applied in the field of financial technology, it can solve the problems of single information dimension and inaccurate risk analysis results.

Pending Publication Date: 2019-09-24
WEBANK (CHINA)
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  • Claims
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Problems solved by technology

[0003] The main purpose of the present invention is to provide a pre-loan risk analysis method, device, equipment and readable storage medium, aiming to solve the risk analysis results caused by the single information dimension and easy causal mismatch in the existing risk analysis method Inaccurate technical issues

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  • Pre-loan risk analysis method, device and equipment and readable storage medium
  • Pre-loan risk analysis method, device and equipment and readable storage medium
  • Pre-loan risk analysis method, device and equipment and readable storage medium

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no. 1 example

[0089] Based on the first embodiment, the second embodiment of the pre-loan risk analysis method of the present invention is proposed. In this embodiment, before step S30, the pre-loan risk analysis method also includes:

[0090] Step S60, taking the first returned data as a sample, and adding good and bad labels;

[0091] In step S70, samples with bad labels are used as negative samples, so as to perform model training according to the negative samples.

[0092] In this embodiment, the first returned data can be used as a sample, wherein the samples are divided into good samples and bad samples, for example, add a bad label to the overdue sample, and add a good label to the non-overdue sample. Then the samples with bad labels are used as negative samples, so as to carry out model training according to the negative samples.

[0093] Wherein, the described sample with bad label is used as negative sample, the step of carrying out model training according to described negative ...

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Abstract

The invention discloses a pre-loan risk analysis method, and the method comprises the steps: obtaining first return data of a user, building a variable pool based on the first return data, and the variable pool comprising time slice variables of multiple dimensions; performing time calibration on the time slice variables in the variable pool to obtain calibrated time slice variables after time calibration; screening out a target time slice variable meeting a preset condition from the calibration time slice variables, and performing grouping variable combination on the target time slice variable to obtain a variable short list combination; carrying out in-mold variable screening on the variable short list combination to obtain a model group; and obtaining each variable index, obtaining a prediction model meeting each variable index in the model group, and carrying out pre-loan risk analysis according to the prediction model. The invention further discloses a pre-loan risk analysis device and equipment and a readable storage medium. According to the method, the information dimension is enriched, the situation of causal mismatching is prevented, and the accuracy of a risk analysis result is improved.

Description

technical field [0001] The present invention mainly relates to the technical field of financial science and technology, and specifically relates to a pre-loan risk analysis method, device, equipment and a readable storage medium. Background technique [0002] With the development of financial technology, especially the continuous development of Internet technology finance, more and more technologies are applied in the financial field. At present, loan approval requires pre-loan risk analysis of users. Usually, PBOC data (user’s bank loan records and other data) is used to construct a credit score card, and the customer’s loan information, credit card repayment information, etc. are used to assess the customer’s willingness to repay. However, this method of pre-loan risk analysis has a single information dimension, and when introducing external data sources for modeling, there are inconsistencies between the customer application node and the query node, and then there is a ca...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
Inventor 林禹君
Owner WEBANK (CHINA)
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