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User credit risk assessment method and device and computer readable storage medium

A technology of risk assessment and risk assessment model, which is applied in the field of user credit risk assessment methods and devices, and computer-readable storage media, and can solve problems such as difficult credit risk assessment

Inactive Publication Date: 2019-11-05
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

[0003] However, it is difficult to conduct credit risk assessment for people who do not have a credit report or have less data in the credit report

Method used

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  • User credit risk assessment method and device and computer readable storage medium
  • User credit risk assessment method and device and computer readable storage medium
  • User credit risk assessment method and device and computer readable storage medium

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Embodiment Construction

[0024] In the prior art, for unsecured credit loans, the user's credit risk situation is usually judged based on data such as the user's credit report, so as to determine whether the applicant can be granted a credit loan amount. However, it is difficult to conduct credit risk assessment for people who do not have a credit report or have less data in the credit report.

[0025] In the embodiment of the present invention, based on the user's operation data in the preset application software, the credit risk assessment model is used to assess the user's risk, and the user's overdue probability is obtained, so that the crowd with no credit information or less credit information can be assessed. Conduct a credit risk assessment.

[0026] In order to make the above objects, features and beneficial effects of the embodiments of the present invention more comprehensible, specific embodiments of the present invention will be described in detail below in conjunction with the accompanyi...

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PUM

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Abstract

The invention discloses a user credit risk assessment method and device and a computer readable storage medium. The user credit risk assessment method comprises the steps of obtaining operation data of a user in preset application software; inputting the operation data of the user into a credit risk assessment model for risk assessment to obtain an overdue probability of the user; and outputting the overdue probability of the user. By adopting the scheme, credit risk assessment can be carried out on crowds without credit investigation data or with less credit investigation data.

Description

technical field [0001] The embodiments of the present invention relate to the technical field of credit risk assessment, and in particular, to a user credit risk assessment method and device, and a computer-readable storage medium. Background technique [0002] Loans usually come in two types, secured loans and unsecured lines of credit. For mortgage loans, the applicant is required to have the corresponding collateral. For unsecured credit loans, the user's credit risk situation is usually judged based on the user's credit report and other data to determine whether the applicant can be granted a credit loan amount. In the personal credit scenario, how to accurately identify the credit risk of the applicant is a very important link in the credit process. [0003] However, it is difficult to conduct credit risk assessment for people who do not have a credit report or have less data in the credit report. Contents of the invention [0004] The technical problem solved by th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06N3/08G06N3/04
CPCG06N3/084G06N3/045G06Q40/03
Inventor 严锐张俊
Owner 上海上湖信息技术有限公司