In-loan behavior monitoring method and system

A Bank of China and behavioral technology, applied in the field of information processing and application, can solve problems such as increasing bad debts, customer defaults, and low review efficiency, so as to avoid the influence of human factors, improve effectiveness, improve review efficiency and effective loan amount Effect

Pending Publication Date: 2020-06-23
深圳华策辉弘科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, at present, after the pre-loan evaluation process is completed and the loan is released, the customer may still default during the repayment process. In order to reduce the risk of default in the loan, at present, most of the business personnel determine the repayment ability of the loaned customer based on human experience. Repayment intention

Method used

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  • In-loan behavior monitoring method and system
  • In-loan behavior monitoring method and system
  • In-loan behavior monitoring method and system

Examples

Experimental program
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Example Embodiment

[0038] Example one:

[0039] The first embodiment of the present invention provides a method for monitoring behavior during a loan. figure 1 This is a schematic flow chart of a method for monitoring behavior in lending provided by an embodiment of the present invention, such as figure 1 As shown, the method includes the following steps:

[0040] S1: Obtain a data set composed of business type and historical behavior characteristic data of customers.

[0041] For example, customers refer to persons related to lending business such as borrowers and credit card users. The business types include at least cash loan business, online cash installment business, online consumption installment business, secondary marketing business, etc., among which, cash loan business refers to small Amount cash loan business is a consumer loan business issued to applicants; online cash installment business refers to the applicant's use of credit line in installments; online consumption installment business ...

Example Embodiment

[0084] Embodiment two:

[0085] This embodiment provides a system for monitoring behavior during lending, which is used to implement the behavior monitoring method during lending as described in the first embodiment, such as figure 2 As shown, the system structural block diagram of the behavior monitoring in lending of this embodiment includes:

[0086] Obtaining module 100: used to obtain a data set composed of business types and historical behavior characteristic data of customers;

[0087] Prediction module 200: used to use a pre-trained logistic regression prediction model corresponding to the business type to calculate the default probability of the customer according to the data set;

[0088] Behavior monitoring module 300: used to monitor behavior in loans according to the probability of default.

[0089] The specific details of each module of the above-mentioned behavior monitoring system in lending have been described in detail in the behavior monitoring method in lending cor...

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Abstract

The invention discloses an in-loan behavior monitoring method and system, and relates to the field of information processing and application, and the method comprises the following steps: obtaining adata set formed by business types and historical behavior characteristic data of customers, then utilizing a pre-trained logistic regression prediction model corresponding to the business types to calculate and obtain default probability of the customers according to the data set, and finally performing in-loan behavior monitoring according to the default probability. A default risk of a client ispredicted according to historical behavior characteristic data of the client in loan; the method evaluates the repayment capability, repayment willingness and the like of the client, monitors the in-loan behaviors according to the default probability, timely takes effective prevention measures for high-risk clients, accurately positions client groups, improves the loan effectiveness, monitors thein-loan behaviors, avoids the influence of human factors, improves the review efficiency and increases the effective credit amount. The method can be widely applied to the credit field.

Description

technical field [0001] The invention relates to the field of information processing and application, in particular to a method and system for monitoring loan behavior. Background technique [0002] In recent years, with the rapid development of Internet finance and the explosive growth of behavioral data accumulated on the Internet, relying on massive data, the volume of Internet loan business of customers has increased year by year. However, at present, after the pre-loan evaluation process is completed and the loan is released, the customer may still default during the repayment process. In order to reduce the risk of default in the loan, at present, business personnel mostly determine the repayment ability of the loaned customer based on human experience. Repayment intentions are used to assess the risk of default, so there is no effective way to monitor loan behaviors to reduce loan business risks. Due to the greater influence of human factors, the reliability of the rev...

Claims

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Application Information

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IPC IPC(8): G06F17/18G06K9/62G06Q40/02
CPCG06F17/18G06Q40/03G06F18/24
Inventor 彭堂超
Owner 深圳华策辉弘科技有限公司
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