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Credit assessment method and device

A credit evaluation and credit technology, applied in the field of data processing, can solve problems such as inability to accurately evaluate customers' personal and financial rights

Active Publication Date: 2020-01-14
PING AN TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0005] In view of this, the present invention provides a credit evaluation method and device, the main purpose of which is to solve the problem that the credit score calculated in the prior art cannot accurately evaluate the customer's personal financial authority

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  • Credit assessment method and device
  • Credit assessment method and device

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Embodiment Construction

[0030] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided for more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0031] With the development of science and technology and technological progress, more and more financial services can be handled through the network. When dealing with financial business through the network, especially the loan business, it is very important to set personal financial authority for network users. Personal financial authority includes: loan limit, credit card approval rate, application volume, etc. To process finan...

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Abstract

The invention discloses a credit assessment method and device, relates to the technical field of data processing, and aims to solve the problem that the calculated credit score cannot accurately assess the personal financial authority of a client in the prior art. The method mainly comprises the following steps: acquiring a user track label according to location-based service LBS data of each system user; according to the user interest label, the user track label and the user call record of each system user, constructing a knowledge grap is constructed, wherein the knowledge graph is used foridentifying the association relationship among all the system users; according to the knowledge graph, extracting a user feature vector by using a Node2vec algorithm; inputting the user information ofthe target user into a preset neural network model, and calculating the credit probability of whether the target user breaks the default or not; and inputting the credit probability into a preset score card model, and calculating a credit score of the target user. The method and device are mainly used in the financial authority evaluation process.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a credit evaluation method and device. Background technique [0002] Credit evaluation refers to the evaluation of personal financial authority based on the customer's credit history data. In the process of credit evaluation, a certain credit scoring model is used to obtain credit scores of different grades, and then according to the credit score, the credit giver analyzes the possibility of the customer's repayment on time, and decides whether to grant credit and the amount and interest rate of the credit, so as to ensure financial security. departmental security. [0003] In the prior art, by obtaining at least one category of customer information of sample customers, and then preprocessing each category of customer information to obtain sample data, and then according to the sampling data corresponding to each category of customer information and the default informati...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 刘继宇
Owner PING AN TECH (SHENZHEN) CO LTD
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