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Method and device for predicting payment probability of overdue events, and readable storage medium

A probabilistic forecasting and event technology, applied in the field of information management, can solve the problem of low collection efficiency and achieve the effect of improving collection efficiency

Active Publication Date: 2022-05-20
上海上湖信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Currently, the collection efficiency of back-end events is low

Method used

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  • Method and device for predicting payment probability of overdue events, and readable storage medium
  • Method and device for predicting payment probability of overdue events, and readable storage medium
  • Method and device for predicting payment probability of overdue events, and readable storage medium

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Embodiment Construction

[0020] At present, due to the inability to know the payment status of overdue events, a lot of time and energy may be spent on overdue events with extremely low probability of payment, resulting in low collection efficiency of back-end events.

[0021] In the embodiment of the present invention, for the target overdue event whose overdue duration is within the preset first time period, the characteristic information of the target overdue event, for example, the historical repayment information of the target overdue event, the collection information of the target overdue event 1. At least one of the collection feedback of the target overdue event, etc., predict the recovery probability of the target overdue event through the payment prediction model, and then select the target overdue event to collect the payment according to the recovery probability, so that it can be Avoid spending a lot of time aimlessly on overdue events that are difficult to recover, so as to improve the ef...

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Abstract

A payment collection probability prediction method and device for overdue events, and a readable storage medium, wherein the payment collection probability prediction method for overdue time includes: obtaining characteristic information of a target overdue event whose overdue time is in a preset first time period, and the The feature information includes at least one of the following: historical repayment information of the target overdue event, collection information of the target overdue event, collection feedback of the target overdue event; The prediction model predicts the probability of payment collection of the target overdue event. By adopting the above solution, the collection efficiency of the repayment collection within the target overdue time can be improved.

Description

technical field [0001] The embodiments of the present invention relate to the technical field of information management, and in particular to a method and device for predicting the probability of repayment of an overdue event, and a readable storage medium. Background technique [0002] In recent years, consumer finance, small loans, peer-to-peer (Peer-To-Peer, P2P) online loans and other lending industries have continued to develop. However, due to many defects in the domestic credit system, the rate of overdue bad debts remains high. In the Internet finance industry, compared with the front-end risk control system that focuses on identifying the quality of users, the back-end collection module focuses more on how to optimize the user's recovery rate after lending. The current collection is mainly for customers who are overdue. When the loan applied by the customer has not been repaid for a certain number of days after the due date, the collector will collect the arrears th...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/04G06Q40/02
CPCG06Q10/04G06Q40/03
Inventor 邱景诚赵毅仁曹倩王丽丽胡宏辉
Owner 上海上湖信息技术有限公司