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Method and device for carrying out user grouping and quota withdrawing based on variable influence degree index and electronic equipment

A technology with influence and user, applied in data processing applications, instruments, finance, etc., can solve problems such as risk strategy incompatibility

Pending Publication Date: 2019-11-05
上海淇毓信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The present invention aims to solve the inability of the existing quota raising model to adopt targeted quota raising strategies for different user groups, thus bringing about inadaptability of risk strategies

Method used

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  • Method and device for carrying out user grouping and quota withdrawing based on variable influence degree index and electronic equipment
  • Method and device for carrying out user grouping and quota withdrawing based on variable influence degree index and electronic equipment
  • Method and device for carrying out user grouping and quota withdrawing based on variable influence degree index and electronic equipment

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Experimental program
Comparison scheme
Effect test

Embodiment 1

[0071] figure 2 It is a schematic diagram of a method for determining a quota increase strategy based on user grouping according to an embodiment of the present invention. Such as figure 2 As shown, this embodiment is to obtain a risk control strategy for increasing the amount. In order to obtain the risk control strategy for the amount increase, first formulate a grouping rule, group the user data obtained from the historical financial user concentration, and obtain four user groups: user group 1, user group 2, user group 3, and user group 4.

[0072] In this embodiment, we use the discrimination index to establish grouping rules. That is, we first calculate the discrimination index of each variable of the user data in the historical financial user set. In order to calculate and find out the variant with high discrimination degree from multiple variants, we use the decision tree model here. The decision tree model belongs to the machine self-learning classification mode...

Embodiment 2

[0096] Different from Embodiment 1, this embodiment adopts different grouping rules. In this implementation example, the influence index of the independent variable on the dependent variable of the user data in the historical financial user set is calculated, and the grouping variables and grouping rules are determined according to the influence index. Here, the Boruta algorithm is used to calculate the degree of influence of the independent variable on the dependent variable.

[0097] Boruta is a variable selection algorithm. To be precise, it's a wrapper algorithm around Random Forest. We know that feature selection is a critical step in predictive models. This step is especially important when building a model where a dataset contains multiple variables.

[0098] Using the Boruta algorithm to calculate the degree of influence of the independent variable on the dependent variable, including: establishing a model for the entire historical financial user set, and using the ...

Embodiment 3

[0110] image 3 It is a module composition diagram of an apparatus for determining a quota increase strategy based on user grouping in the third embodiment of the present invention. Such as image 3 As shown, the device includes a rule establishment module, a grouping module, a model establishment module and a policy determination module.

[0111] The rule establishment module is used to determine the grouping rules for the historical financial user set.

[0112] Therefore, to determine the grouping rules, we must first determine the variables of the group, and then determine the classification rules according to the variables. The present invention proposes various schemes for determining grouping rules.

[0113] A preferred implementation manner is to calculate the importance index of each variable of the user data in the historical financial user set, and determine the grouping variable and the classification rule of the dependent variable according to the importance ind...

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Abstract

The invention discloses a method and a device for carrying out user grouping quota withdrawing based on a variable influence degree index, electronic equipment and a computer readable medium. The method comprises the following steps: calculating an influence degree index of an independent variable of user data in a historical financial user set on a dependent variable, determining a grouping variable and a grouping rule according to the influence degree index, grouping users in the historical financial user set according to the grouping rule, and respectively establishing a quota withdrawing model for different groups; grouping the new users according to the grouping rule, and determining a quota withdrawing strategy by using the quota withdrawing model of the user group corresponding to the user. User grouping is carried out based on the variable influence degree indexes, so that the model selects different evaluation methods in each user group, the predictability of the model can beeffectively improved, and the risk identification degree of the user groups is more accurate.

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 grouping and increasing quotas of users based on variable influence indicators. Background technique [0002] Due to the insufficiency of the credit system, the proportion of users holding credit cards in commercial banks is relatively low, and most people have imperfect credit records and lack of credit information. It is difficult for commercial banks to cover this group of people and provide financial services. The rapid development of financial technology has accelerated the pace of inclusive finance. Internet financial institutions and small loan companies judge the authenticity and repayment ability of customers' capital needs by asking customers to submit various materials, on-site or telephone conversations, and solve the credit problem of financial service objects without credit records to a certain ext...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 乾春涛沈赟郑彦
Owner 上海淇毓信息科技有限公司