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Credit rating prediction classification method using deep network learning fuzzy information feature technology

A fuzzy information, deep network technology, applied in neural learning methods, biological neural network models, data processing applications, etc., can solve the problem that public data cannot meet the needs of credit rating classification, and achieve the effect of easy evaluation and strong practicability

Inactive Publication Date: 2020-01-17
安徽兆尹信息科技股份有限公司 +1
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AI Technical Summary

Problems solved by technology

[0006] The purpose of the present invention is to solve the defect that the public data in the prior art cannot meet the needs of credit rating classification, and to provide a credit rating prediction classification method using deep network learning fuzzy information feature technology to solve the above problems

Method used

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  • Credit rating prediction classification method using deep network learning fuzzy information feature technology
  • Credit rating prediction classification method using deep network learning fuzzy information feature technology
  • Credit rating prediction classification method using deep network learning fuzzy information feature technology

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Embodiment Construction

[0040] In order to have a further understanding and understanding of the structural features of the present invention and the achieved effects, the preferred embodiments and accompanying drawings are used for a detailed description, as follows:

[0041] In practical applications, the data used by enterprises for credit rating is divided into two categories, one of which is public data (fuzzy information data), which is easier to obtain and has certain significance for credit rating; the other is non-public data (Precise information data), this type of data is the company's secret, and it is strictly confidential related data. This type of data is usually not disclosed to the public unless it is extremely necessary, but this type of data is of great significance to the company's credit rating. For some institutions, due to their long-term production and operation needs, they have accumulated a large amount of public data and non-public data. The idea of ​​the present invention i...

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Abstract

The invention relates to a credit rating prediction classification method using a deep network learning fuzzy information feature technology. Compared with the prior art, the defect that public data cannot meet credit rating classification requirements is overcome. The method comprises the following steps: acquiring basic data; preprocessing the basic data; constructing a credit rating predictionnetwork; training a credit rating prediction network; obtaining credit rating data information of a to-be-predicted object; and realizing credit rating prediction classification of a prediction object. According to the method, the non-public accurate information data is predicted through public fuzzy information simulation, and the credit rating classification result is generated, so that effective prediction analysis of the public data on the non-public data result is realized.

Description

technical field [0001] The invention relates to the technical field of data prediction and analysis, in particular to a credit rating prediction and classification method using deep network learning fuzzy information feature technology. Background technique [0002] Credit rating refers to an independent third-party credit rating intermediary agency's evaluation of the debtor's ability and willingness to repay the debt principal and interest in full on schedule, and uses simple rating symbols to indicate the severity of its default risk and loss. At the same time, credit rating is an overall evaluation of the rating object's ability and willingness to perform relevant contracts and economic commitments. With the maturity of big data analysis technology, credit rating has risen from traditional perceptual judgment to rational analysis supported by numerous data. [0003] From the perspective of data analysis, the existing technology obtains the corresponding credit rating an...

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Application Information

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IPC IPC(8): G06K9/62G06N3/04G06N3/08G06Q40/02
CPCG06N3/08G06N3/045G06Q40/03G06F18/241
Inventor 尹留志吴杰卢鹏镇磊孙英家李毅张健
Owner 安徽兆尹信息科技股份有限公司
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