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Method and device for determining business limit

A quota and business technology, applied in the computer field, can solve problems such as large gaps in business quotas

Pending Publication Date: 2020-05-29
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, there is a large gap between the business quota obtained by this method and the actual needs of users

Method used

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  • Method and device for determining business limit
  • Method and device for determining business limit

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Embodiment Construction

[0045] Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

[0046] Existing methods determine business limits based on user information and a credit scorecard model. However, in actual application scenarios, the actual application amount expected by the user may be relatively large, even greater than the risk amount. In view of this, since the application quota actually expected by the user is not considered, the service quota obt...

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Abstract

The invention discloses a method and device for determining a business limit, and relates to the technical field of computers. A specific embodiment of the method comprises the steps of determining current information of a user; determining a service limit of the user according to the current information and a trained limited dependent variable model, wherein the trained limited dependent variablemodel is obtained by training the limited dependent variable model through the historical application limit and the historical information of the user. According to the method, the influence that theapplication limit is limited by the risk limit is considered, and the business limit closer to the actual demand of the user can be obtained.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a method and a device for determining a business quota. Background technique [0002] Considering the user's actual needs and possible business risks, the existing technology generally determines multiple credit lines based on the user's information and credit score card model, and takes the largest credit line as the user's business line. [0003] However, there is a large gap between the business quota obtained by this method and the actual needs of users. Contents of the invention [0004] In view of this, the embodiments of the present invention provide a method and device for determining a service quota, which can obtain a service quota that is closer to the actual needs of users. [0005] In the first aspect, an embodiment of the present invention provides a method for determining a service quota, including: [0006] determine the user's current information; [0007]...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 刘侃华慧丰曾欣蔡启泉
Owner CHINA CONSTRUCTION BANK
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