Overdue risk identification method based on robust algorithm
A technology of risk identification and algorithm, applied in computing, instrumentation, finance, etc., can solve the problem that the training algorithm is no longer applicable, and achieve the effect of improving accuracy and robustness, high precision, and improving model accuracy
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[0030] The present invention is further described below:
[0031] The invention discloses an overdue risk identification method based on a robust algorithm, which includes: acquiring basic user information and multi-dimensional behavior data to generate basic information behavior data; using a loss function of a robust algorithm to model the basic information behavior data , to generate model data. Import multiple user basic information and multi-latitude behavior data, and generate model data through calculation. Through the generated model data, the overdue risk of new user imported data can be evaluated. The invention can effectively deal with the imbalance of samples, and at the same time ensure that Sample distribution.
[0032] Before obtaining the basic user information and multi-dimensional behavior data used for modeling, you can first create: user basic information table, user multi-dimensional behavior data table. User basic information tables and user multi-dimen...
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