Financial target customer determination method and device and electronic equipment
A technology for target customers and determination methods, applied in finance, instruments, data processing applications, etc., can solve the problem of high profits, achieve the effect of increasing the pass rate and improving the company's profits
Pending Publication Date: 2020-05-19
北京淇瑀信息科技有限公司
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Problems solved by technology
However, in practice, it is found that although some customers cannot repay the loan on time, due to the financial benefits such as liquidated damages and interest involved, when these defaulting repayment users repay the repayment, the profits brought by it are also compared with those who repay the loan on time. Customers who pay money have high profits
Moreover, among the customers who refused loans after passing the credit risk judgment, the profits brought by some customers can cover the risks and bring profits to financial service companies
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[0042] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus their repeated descriptions will be omitted.
[0043]Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or mor...
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The invention relates to a financial target customer determination method and device, electronic equipment and a computer readable medium. The method comprises the steps of determining risk scores ofa plurality of clients based on financial information of the clients and a risk scoring model; extracting at least one customer whose risk score is greater than a threshold; determining a profit scoreof the at least one client based on the financial information of the at least one client and a profit score model; and determining a target customer from the at least one customer based on the profitscore. According to the financial target customer determination method and device, the electronic equipment and the computer readable medium, the target users can be screened from multiple aspects such as risks and profits, the passing rate of overall financial services is increased, and the profits of companies are increased.
Description
technical field [0001] The present disclosure relates to the field of computer information processing, in particular, to a method, device, electronic equipment and computer-readable medium for determining a financial target customer. Background technique [0002] With the development of the economy, in order to meet the needs of their own development, individual users or business users often borrow from financial service institutions. For financial service institutions, users' borrowing activities are likely to bring risks to financial service companies. Before the repayment period expires, major adverse changes in the financial and business conditions of the borrower (credit user) are likely to affect its ability to perform, resulting in risks such as bad debts and bad debts. Therefore, in order to reduce the probability of such risks, financial service institutions need Carry out risk assessment on borrowers, and according to the risk assessment results, financial service ...
Claims
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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 张潮华高明宇
Owner 北京淇瑀信息科技有限公司