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Data processing method and device and storage medium

A data processing and data technology, applied in the computer field, can solve the problems affecting the accuracy of repayment data prediction, and achieve the effect of high accuracy

Pending Publication Date: 2020-04-28
TENCENT TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] During the research and practice of the prior art, the inventors of the present invention found that the quality of loan customers is affected by many factors, and as time goes by, it will affect the accuracy of forecasting repayment data

Method used

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  • Data processing method and device and storage medium
  • Data processing method and device and storage medium
  • Data processing method and device and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 2

[0185] see Figure 6 , the flow of the data processing method provided by the embodiment of the present invention may also include:

[0186] In 301, the network device acquires a historical user sample set from an asset side terminal corresponding to a loan product, where the historical user sample set includes multiple historical user samples.

[0187] Wherein, the network device first obtains a historical user sample set from an asset side terminal corresponding to the loan product, and the historical user sample set includes a plurality of historical user samples. Among them, the historical user samples include the user's multi-dimensional user characteristics (including but not limited to gender, age, practice, income, etc.), historical monthly repayment data, and corresponding monthly repayment data.

[0188] In 302, the network device divides the historical user samples in the historical user sample set into positive user samples, negative user samples and gray user sam...

Embodiment 3

[0232] In order to better implement the above data processing method, an embodiment of the present invention further provides a data processing device, and the data processing device may specifically be integrated in a network device.

[0233] For example, if Figure 7 As shown, the data processing device may include a sample acquisition module 401, a credit scoring module 402, a sample division module 403, a data prediction module 404 and a second prediction module 405, as follows:

[0234] A sample acquisition module 401, configured to acquire a user sample set, where the user sample set includes a plurality of user samples;

[0235] Credit scoring module 402, for carrying out credit scoring to each user sample according to the pre-trained credit scoring model, to obtain the credit score of each user sample;

[0236] The sample division module 403 is used to divide the user sample set into a plurality of sub-user sample sets corresponding to different credit score intervals...

Embodiment 4

[0271] The embodiment of the present invention also provides a network device, such as Figure 8 As shown in , it shows a schematic structural diagram of the network device involved in the embodiment of the present invention, specifically:

[0272] The network device may include a processor 601 of one or more processing cores, a memory 602 of one or more computer-readable storage media, a power supply 603, an input unit 604 and other components. Those skilled in the art can understand that, Figure 8 The network device structure shown in the network device does not constitute a limitation to the network device, and may include more or less components than those shown in the figure, or combine some components, or arrange different components. in:

[0273] The processor 601 is the control center of the network equipment, and uses various interfaces and lines to connect various parts of the entire network equipment, by running or executing software programs and / or modules store...

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Abstract

The embodiment of the invention discloses a data processing method and device and a storage medium. The method comprises the steps: obtaining a user sample set which comprises a plurality of user samples; performing credit scoring on each user sample according to a pre-trained credit scoring model to obtain a credit score of each user sample; dividing the user sample set into a plurality of sub-user sample sets corresponding to different credit score intervals according to the credit score of each user sample; predicting monthly repayment data of the loan product corresponding to each sub-usersample set, and fusing the monthly repayment data corresponding to the plurality of sub-user sample sets into target monthly repayment data corresponding to the user sample set according to a presetfusion strategy. According to the method, credit scoring and grading for the user are added in the prediction process, so that the predicted monthly repayment data is closer to the real loaning quality, and the method has higher accuracy compared with the prior art.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a data processing method, device and storage medium. Background technique [0002] As the financial market environment continues to change, predicting the repayment data of loan products by assessing uncertainty is crucial to protecting the interests of all parties involved in loan products. [0003] At present, when predicting repayment data, the overall migration rate of historical samples provided by the asset party is directly used to predict the monthly repayment data of the loan product after the loan is released. [0004] During the research and practice of the prior art, the inventors of the present invention found that the quality of loan customers is affected by various factors, which will affect the accuracy of repayment data prediction due to time migration. Contents of the invention [0005] Embodiments of the present invention provide a data processing ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q40/02
CPCG06Q10/04G06Q40/03
Inventor 张瞳
Owner TENCENT TECH (SHENZHEN) CO LTD