A credit risk scoring card creation method, device and electronic equipment
A risk scoring and credit technology, applied in data processing applications, finance, instruments, etc., can solve the problem that the credit score of the business object cannot reflect the real credit score of the business object
Active Publication Date: 2022-06-03
中诚信征信有限公司
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Problems solved by technology
[0011] In view of this, the purpose of the embodiment of the present invention is to provide a credit risk score card creation method, in order to solve the problem that the credit score of the business object cannot reflect the real credit score of the business object in the existing credit risk score card
Method used
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[0083] The embodiment of the present invention discloses a method for creating a credit risk scorecard, as shown in Figure 1, which may include the following steps
[0087] Step 104, creating a credit risk scorecard based on the corrected model intercept term and each regression coefficient.
[0089] Below in conjunction with the accompanying drawings, the method and device provided by the present invention will be described in detail with specific embodiments.
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[0105] Step 104, based on the corrected model intercept term and various regression coefficients, create a credit risk scorecard.
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[0117] Among them, Score represents the total credit score, A and B are preset constant parameters, and P represents the theoretical default probability.
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[0127] Table 1: Credit Risk Scorecard Schematic
[0130] The embodiment of the present invention also discloses a method for creating a credit risk sc...
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Embodiments of the present invention provide a credit risk scoring card creation method, device, and electronic equipment. The method includes: obtaining a modeling sample, wherein the modeling sample is a searched sample obtained by querying a data source based on a resampling sample, and resampling The sample is a sample obtained by resampling the original sample, and the data source is a data source that can reflect credit risk; a risk prediction model is established based on the modeling sample, and the above risk prediction model includes model intercept items and various regression coefficients; The proportion of bad samples in the model sample, the proportion of bad samples in the original sample, and the proportion of bad samples in the resampling sample, correct the model intercept term, and obtain the corrected model intercept term; based on the corrected model intercept Create a credit risk scorecard based on distance items and regression coefficients. By adopting the solution provided by the embodiment of the present invention, the credit score of the business object on the created credit risk scoring card is closer to the real credit score.
Description
A method, device and electronic device for creating a credit risk score card technical field The present invention relates to the technical field of risk control, particularly relate to a method and device for creating a credit risk scorecard and electronic equipment. Background technique In the technical field of risk control, taking credit risk control in the financial field as an example, financial institutions usually need to Business objects are evaluated for credit risk. When performing credit risk evaluation for business objects, the existing technologies are mainly By establishing a risk prediction model to predict the theoretical default probability of overdue repayment or fraud for business objects, or Use the credit risk score card to score business objects. The higher the score, the lower the corresponding credit risk. [0003] When establishing the risk prediction model of the credit industry, the samples used for modeling can be for business objects, su...
Claims
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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 陈鹏王湾湾姚明
Owner 中诚信征信有限公司