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Risk control method and device based on biased sample and electronic equipment

A risk control and sample technology, applied in the field of financial risk control, can solve problems such as the reduction of risk control level and the attenuation of model effects, and achieve the effect of improving risk control level and supporting risk management

Pending Publication Date: 2020-05-15
北京淇瑀信息科技有限公司
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  • Abstract
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  • Claims
  • Application Information

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Problems solved by technology

[0004] The invention aims to solve the technical problems in the prior art that the model effect is attenuated and the risk control level is reduced due to the lack of biased sample information

Method used

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  • Risk control method and device based on biased sample and electronic equipment
  • Risk control method and device based on biased sample and electronic equipment
  • Risk control method and device based on biased sample and electronic equipment

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Embodiment Construction

[0065] Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings, and although the exemplary embodiments may be embodied in many specific forms, these should not be construed as limited to the embodiments set forth herein. On the contrary, these exemplary embodiments are provided in order to make the content of the present invention more complete and more convenient to fully convey the inventive concept to those skilled in the art.

[0066] On the premise of complying with the technical concept of the present invention, the structure, performance, effect or other features described in a specific embodiment can be combined in any suitable way into one or more other embodiments.

[0067] During the introduction of specific embodiments, detailed descriptions of structures, performances, effects or other features are intended to enable those skilled in the art to fully understand the embodiments. However, it does no...

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Abstract

The invention discloses a risk control method and device based on biased samples and electronic equipment. The method comprises the following steps: collecting user data as an original sample set; creating a risk control model according to the original sample set; calculating a user risk score according to the risk control model; determining a risk user according to the risk score, wherein the original sample set is a biased sample set. Aiming at the condition that a partial sample set is formed by user data, the method comprises the steps of collecting the user data as an original sample set;creating a risk control model according to the original sample set; performing stacking by utilizing the applicability of different types of classifiers on different balance samples in the process ofcreating the risk control model to form a composite hierarchical framework; very limited negative samples are utilized to models of all hierarchies, the integrated and stacked classifier can effectively classify the negative samples, the purpose of identifying bad customers is achieved, and therefore the risk control level is improved.

Description

technical field [0001] The present invention relates to the technical field of financial risk control, in particular, to a risk control method, device, electronic equipment and computer-readable medium based on biased samples. Background technique [0002] In risk control in the financial field, a large number of positive and negative samples are usually drawn to establish a risk assessment model and the model is trained, and then risk assessment is performed through the trained model. However, in actual risk control, there will be biased samples with a very small proportion of negative samples. For example, only 1% of customers are overdue for more than 10 days in the third month on book (month on booK 3, MOB3), that is to say, among 10,000 Only 100 of the credit customers are overdue. Obviously, the number of overdue customers in this sample set is very small. [0003] The existing technology deals with biased samples more from the perspective of sampling, such as undersa...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q10/04G06Q40/00G06K9/62
CPCG06Q10/0635G06Q10/04G06Q40/00G06F18/241
Inventor 姚聪
Owner 北京淇瑀信息科技有限公司
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