Credit scoring method based on consumer group portraits

Abstract

The invention discloses a credit scoring method based on consumer group portraits, and relates to the technical field of credit assessment. The method aims to overcome the defect that the existing scoring system is imperfect and the judgment subjectivity is considered to be strong in the prior art. According to the technical scheme of the invention, the method comprises the steps of firstly, classifying acquired consumption data based on consumption data collected by a communication operator and a known credit score corresponding to the collected consumption data; processing the acquired consumption data and the consumption category to which the consumption data belongs through a word2vec model; depicting consumer group portraits, adopting a light GBM as a base learner to learn consumptiondata belonging to the same set, a consumption category to which the consumption data belongs and output information of a word2vec model, training and constructing the credit scoring model; finally, based on the fact that the consumption data belongs to the same set, analyzing the consumption category of the consumption data and the output information of the word2vec model by utilizing the constructed credit scoring model, so that the credit score can be output. The purpose of automatically scoring by utilizing the consumption data is achieved.

Description

technical field [0001] The invention relates to the technical field of credit evaluation, in particular to a credit scoring method based on portraits of consumer groups. Background technique [0002] With the deepening of the construction of the social credit system, the construction of social credit standards has developed rapidly, and related standards have been released one after another, including credit service standards, credit data collection and service standards, credit restoration standards, city credit standards, industry credit standards, etc. A multi-level standard system needs to be introduced urgently, and the social credit standard system is expected to advance rapidly. [0003] Credit scoring refers to the use of certain credit scoring models to obtain different grades of credit scores based on the customer's credit history data. According to the customer's credit score, the credit giver can analyze the consumer's credit rating to give consumers different d...

AI Technical Summary

Problems solved by technology

[0005] Traditional credit scoring is mainly measured by a small number of dimensions such as customer spending power, and it is difficult to comprehensively, objectively and timely reflect the customer's credit

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