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

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...

AI Technical Summary

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 on forward propagation, aiming to solve the technical problem that the collection prediction accuracy based on machine learning is not high

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