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Loan prediction method and device, equipment and storage medium

A prediction method and loan technology, applied in the computer field, can solve the problem of low prediction accuracy, and achieve the effects of less time consumption, high accuracy and low cost

Inactive Publication Date: 2019-09-27
武汉众邦银行股份有限公司
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Problems solved by technology

[0003] The main purpose of the present invention is to propose a loan prediction method, device, equipment and storage medium, aiming to solve the technical problem of low prediction accuracy using traditional credit scoring technology

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  • Loan prediction method and device, equipment and storage medium
  • Loan prediction method and device, equipment and storage medium
  • Loan prediction method and device, equipment and storage medium

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Embodiment Construction

[0045] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0046] refer to figure 1 , figure 1 It is a schematic structural diagram of the loan forecasting device in the hardware operating environment involved in the solution of the embodiment of the present invention.

[0047] Such as figure 1 As shown, the loan prediction device may include: a processor 1001 , such as a central processing unit (Central Processing Unit, CPU), a communication bus 1002 , a user interface 1003 , a network interface 1004 , and a memory 1005 . Wherein, the communication bus 1002 is used to realize connection and communication between these components. The user interface 1003 may include a display screen (Display) and an input unit such as a button, and the optional user interface 1003 may also include a standard wired interface and a wireless interface. Optionally, the network interface 1004 ...

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Abstract

The invention discloses a loan prediction method and device, equipment and a storage medium. The method comprises: acquiring a loan application request of a user; extracting current application feature information in the loan application request; classifying users corresponding to the current application feature information through the Gaussian mixture distribution model; and performing loan passing rate prediction through the preset user loan prediction model according to a classification result and the current application feature information to obtain a prediction result of the loan passing rate. The machine learning-based loan prediction method can predict the default probability of the new customer and quantify the risk of the new customer, thereby helping the loan institution to make a decision about whether the loan is given to the customer or not, and compared with the traditional manual decision, the credit scoring card is higher in accuracy, lower in cost and shorter in consumed time, so that the risk management of the loan institution is benefited.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a loan prediction method, device, equipment and storage medium. Background technique [0002] Since the rapid development of Internet technology, online loans have grown by leaps and bounds. While the number of borrowers has increased, the proportion of malicious loans has also risen sharply, and the data collected by online loans has far more non-financial characteristics than financial characteristics, data sample size and structural complexity. Far more than ever, traditional credit scoring techniques are no longer adequate to meet the quantitative risk management needs of lenders. Contents of the invention [0003] The main purpose of the present invention is to provide a loan prediction method, device, equipment and storage medium, aiming to solve the technical problem of low prediction accuracy using traditional credit scoring technology. [0004] To achieve th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 钟磊田羽岳帅陈刚兰翔
Owner 武汉众邦银行股份有限公司
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