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Loan approval method and device based on machine learning, equipment and storage medium

A machine learning and loan technology, applied in the Internet field, can solve the problems of low loan approval efficiency and achieve the effect of improving approval efficiency and reducing approval risk

Active Publication Date: 2020-07-03
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] Based on this, it is necessary to provide a machine learning-based loan approval method, device, equipment and storage medium for the technical problem of low loan approval efficiency of traditional technologies

Method used

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  • Loan approval method and device based on machine learning, equipment and storage medium
  • Loan approval method and device based on machine learning, equipment and storage medium
  • Loan approval method and device based on machine learning, equipment and storage medium

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Embodiment Construction

[0021] In order to make the purpose, technical solutions and advantages of the present application clearer, the technical solutions in the embodiments of the present application will be further described in detail through the following embodiments in conjunction with the accompanying drawings. It should be understood that the specific embodiments described here are only used to explain the present application, not to limit the present application.

[0022] It should be noted that the execution subject of the following method embodiments may be a loan approval device based on machine learning, and the device may be implemented as part or all of computer equipment through software, hardware, or a combination of software and hardware. The following method embodiments are described by taking the execution subject as a computer device as an example.

[0023] figure 1 A schematic flow chart of the loan approval method based on machine learning provided in the embodiment of this app...

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Abstract

The invention relates to a loan approval method and device based on machine learning, equipment and a storage medium. The method comprises the steps that loan application information input by a user and equipment information of input equipment currently used by the user are acquired, and the loan application information comprises loan information and lender information; when it is determined thatthe repayment probability of the user is greater than a preset first threshold value according to the loaner information, the equipment information, the historical transaction behavior information ofthe user and a preset risk early warning model, determining that the repayment probability of the user is greater than the preset first threshold value; obtaining external data of the user, the risk early warning model being a machine learning model, and the external data being non-pre-stored data; and determining a score of the user according to the loan application information, the external dataand a preset scoring rule, and outputting an approval result according to the score. According to the method, the loan approval efficiency can be improved, and meanwhile, the approval risk caused bymanual loan approval is reduced.

Description

technical field [0001] This application relates to the field of the Internet, in particular to a machine learning-based loan approval method, device, equipment and storage medium. Background technique [0002] With the vigorous development of real estate, the housing loan business has become an important business expansion for banks. How to provide housing loan services to customers more efficiently has become an urgent problem to be solved by those skilled in the art. [0003] Traditional housing loan approval mainly adopts offline application and offline approval. This approval method relies too much on the subjective judgment of the account manager, and requires high experience and personal quality of the account manager. At the same time, for the customer, the approval time cost is high and the timeliness is poor, resulting in low loan approval efficiency. Contents of the invention [0004] Based on this, it is necessary to provide a machine learning-based loan appro...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q50/16G06Q10/06G06N20/00
CPCG06Q50/16G06Q10/06393G06Q10/0635G06N20/00G06Q40/03
Inventor 陈鑫程琬芸刘哲伍辉梁栋
Owner CHINA CONSTRUCTION BANK
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