User credit rating system of credit business platform

Abstract

The invention belongs to the technical field of credit service and particularly relates to a user credit rating system of a credit business platform. The system comprises a credit business platform system and a data acquisition module. The data acquisition module is connected with a data classification storage module; the data classification storage module is connected with a comprehensive ratingmodule; the data classification storage module comprises a processor, a first data storage module and a second data storage module; the comprehensive rating module comprises a first rating module anda second rating module; the first rating module comprises a first scoring module and a first weighting module; the first scoring module is connected with the first weighting module. Users can be classified into new users and old users, credit rating of the new users and the old users can be conducted respectively, and the problem that in an existing credit rating system, due to the fact that dataindexes of the old users and data indexes of the new users are different, rating results are not objective enough when rating is conducted in a unified mode is solved.

Description

technical field [0001] The invention belongs to the technical field of credit services, and in particular relates to a user credit rating system of a credit service platform. Background technique [0002] Credit rating is based on standardized index system and scientific evaluation methods, and the credit service agency evaluates the ability and credibility of the evaluated object to perform economic responsibilities from an objective and fair standpoint, and expresses its credit rating with certain symbols. An organized activity of credit rating. [0003] The credit rating system often exists based on the credit business platform system, and performs credit rating on the users who use the credit business platform system. The existing credit rating system often conducts unified ratings for all new and old users, because old users and new users The difference in the data indicators of the ratings will make the results of the ratings not objective enough when the ratings are ...

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to provide a user credit rating system of a credit business platform, to solve the problem that the existing credit rating system will cause the ratings to be inconsistent when performing unified ratings due to the difference in data indicators between old users and new users. The result is not objective enough

Images