Collection prediction method and device based on forward propagation, equipment and storage medium

A technology of forward propagation and prediction method, which is applied in the computer field and can solve the problem of low collection prediction accuracy

Inactive Publication Date: 2019-09-27
武汉众邦银行股份有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] The main purpose of the present invention is to propose a collection prediction method, device, equipment and storage medium based

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  • Collection prediction method and device based on forward propagation, equipment and storage medium
  • Collection prediction method and device based on forward propagation, equipment and storage medium
  • Collection prediction method and device based on forward propagation, equipment and storage medium

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Embodiment Construction

[0048]It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0049] refer to figure 1 , figure 1 It is a schematic diagram of the structure of the forward propagation-based debt collection prediction device of the hardware operating environment involved in the solution of the embodiment of the present invention.

[0050] Such as figure 1 As shown, the forward propagation-based debt collection 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 wire...

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Abstract

The invention discloses a collection prediction method and device based on forward propagation, equipment and a storage medium, and the method comprises the steps: obtaining the transaction data of a to-be-predicted user, the transaction data comprising the current application data information and the current post-loan repayment information of the user; preprocessing the current application data information to obtain target independent variable feature information of the current application data information; classifying the users to be predicted corresponding to the current post-loan repayment information by adopting a preset Gaussian mixture distribution model, and marking corresponding target tag information on the users to be predicted according to a classification result; and performing collection prediction on the target independent variable feature information and the target label information through a preset deep neural network back propagation collection model to obtain a target collection prediction result, thereby performing collection prediction through the preset deep neural network back propagation collection model, and improving the prediction precision.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a collection prediction method, device, equipment and storage medium based on forward propagation. Background technique [0002] At present, the collection forecast uses modern mathematical statistical model technology, through in-depth data mining, analysis and refinement of the basic information of defaulters, credit history records and business activity records, to find out the risk characteristics of defaulters hidden in complicated data. Based on the knowledge and rules of expected repayment performance, predict the amount of subsequent repayment of the defaulter, so as to guide the allocation of collection resources and business management of lending institutions. [0003] Generally, the collection prediction model uses many machine learning algorithms, based on the interpretability of variables, such as the logistic regression model (Logistic Regression, LR) base...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06N3/08G06N3/04
CPCG06N3/08G06N3/045G06Q40/03
Inventor 兰翔田羽岳帅陈刚钟磊
Owner 武汉众邦银行股份有限公司
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