Method, device, and electronic device for predicting loan black intermediary based on social relationship
A social relationship and intermediary technology, applied in forecasting, data processing applications, finance, etc., can solve the problem of low accuracy rate of black intermediaries, and achieve the effect of improving the accuracy rate
Active Publication Date: 2021-09-24
SHANGHAI QIFU INFORMATION TECH CO LTD
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[0003] The embodiment of this specification provides a method, device, and electronic device for predicting black intermediaries in loans based on social relationships, so as to solve the problem of low accuracy in predicting black intermediaries in loans in the prior art
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[0065] The analysis of this identification method found that this method is essentially calculated by experts through experience. This kind of experience is easily perceived by black intermediaries and further optimizes the packaging method of applicant information, which leads to the accuracy of identifying loan black intermediaries. In order to improve the accuracy rate, it is necessary to provide a method for predicting black intermediaries with high accuracy rate.
[0066] The embodiment of this specification proposes a method for predicting black loan intermediaries based on social relationships, which obtains the user characteristics of the user to be evaluated, obtains the user characteristics of the associated user who has a social relationship with the user to be evaluated, and according to the user characteristics of the user to be evaluated The characteristics and the user characteristics of the associated user predict the black intermediary risk value of the user to...
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The invention discloses a method for predicting loan black intermediaries based on social relations, which includes obtaining user characteristics of users to be evaluated, obtaining user characteristics of associated users who have social associations with the users to be evaluated, and according to the user characteristics of the users to be evaluated Predict the black intermediary risk value of the user to be evaluated with the user characteristics of the associated user. Since there is often some correlation between the loan qualifications of socially related users, it is possible to predict the black intermediary risk value of the user to be evaluated according to the user characteristics of the user to be evaluated and the user characteristics of the associated user. The process of assessing the risk value of black intermediaries also refers to the user characteristics of associated users, thereby improving the accuracy of the assessment.
Description
technical field [0001] The present invention relates to the field of computer information processing, in particular to a method, device and electronic equipment for predicting black loan intermediaries based on social relationships. Background technique [0002] Before granting loans to applicants, the lending platform often needs to evaluate the credit qualification of the applicants in order to reduce the loan risk, so as to carry out risk management and control. However, applicants with lower qualifications often allow black loan intermediaries to package their materials to obtain a higher qualification level, which increases the operational risk of the platform. The existing technology identifies whether the applicant's information is packaged by a loan black intermediary by identifying whether the applicant's information contains traces of packaging. Contents of the invention [0003] The embodiments of this specification provide a method, device, and electronic devi...
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IPC IPC(8): G06Q40/02G06Q10/04G06Q10/06
CPCG06Q10/04G06Q10/067G06Q40/03
Inventor 张婧雯刘涛叶静
Owner SHANGHAI QIFU INFORMATION TECH CO LTD