Limit adjustment method and device based on customer group screening and electronic equipment

Abstract

The invention discloses a limit adjustment method and device based on customer group screening, an electronic device and a computer readable medium. The method comprises the steps of constructing userportraits according to user information data, and dividing the users into different customer groups through the user portraits; constructing a user income model based on behavior scores, incomes andrisk data of the different customer group users, and further dividing the different customer group users into different customer group groups; constructing a limit adjustment rule; and screening the customer group by using the limit adjustment rule and adjusting the limit of the users of the customer group. By using the method provided by the invention, the customer classification can be more accurately divided, and the coverage rate, the balance scale, the risk and the income of the overall combination are improved, so that multiple risk control screening strategies based on different business objectives are formulated, the overall risk level is finally optimized, and the business income converted after the actuation is expanded.

Description

technical field [0001] The present invention relates to the field of computer information processing, in particular to a quota adjustment method, device, electronic equipment and computer-readable medium based on customer group screening. Background technique [0002] With the development of the economy and the popularization of loan business, financial institutions have put forward higher requirements for the selection of customers and the management of customer quotas. In the existing technology, the customer quota adjustment screening strategy often focuses on the risk level of customers who pass the screening, and uses a unified policy threshold for verification. Although the risk quality of the top customers selected in the end is indeed better, compared with the coverage of the overall portfolio The rate is low, and the promotion effect on the amount of mobile expenditure is relatively limited, which is ultimately not conducive to the long-term optimization of the over...

AI Technical Summary

Problems solved by technology

In the existing technology, the customer quota adjustment screening strategy often focuses on the risk level of customers who pass the screening, and uses a unified policy threshold for verification. Although the risk quality of the top customers selected in the end is indeed better, compared with the coverage of the overall portfolio The rate is low, and the promotion effect on the amount of active expenditure is relatively limited, which is ultimately not conducive to the long-term optimization of the overall risk level and the expansion of business benefits converted after the activation of active expenditure

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