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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algorithm, applied in computing, instrumentation, finance, etc., can solve the problem that the training algorithm is no longer applicable, and achieve the effect of improving accuracy and robustness, high precision, and improving model accuracy

Active Publication Date: 2020-11-06
HUA DATA TECH (SHANGHAI) CO LTD
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  • Claims
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AI Technical Summary

Problems solved by technology

But it will inevitably lead to independent and identically distributed (independent and identically distributed) conditions are no longer satisfied, so the classic training algorithm will no longer be applicable

Method used

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  • Overdue risk identification method based on robust algorithm
  • Overdue risk identification method based on robust algorithm
  • Overdue risk identification method based on robust algorithm

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Embodiment Construction

[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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Abstract

The invention discloses an overdue risk identification method based on a robust algorithm. The method comprises the steps: obtaining basic information of a user and multi-dimensional behavior data, and generating basic information behavior data ; and modeling the basic information behavior data by using a loss function of a robust algorithm to generate model data. According to the method, the problem that in the prior art, independent identical distribution conditions are not met due to the fact that sample distribution is damaged can be solved, and the recognition accuracy and robustness canbe improved. Compared with the prior art, the method has the following advantages and positive technical effects: 1, the anti-interference performance and robustness of the algorithm are effectively improved by using the minimum and maximum game theory; 2, compared with a traditional method based on down-sampling or up-sampling, the model has higher precision; and 3, original sample distribution is well described, and the situation of sample imbalance or sample non-independent same distribution can be effectively handled;

Description

technical field [0001] The invention relates to a method for identifying the overdue risk of consumer loans, in particular to an overdue risk identification method based on a robust algorithm. Background technique [0002] Consumer loans are also known as "consumer loans". Loans extended to consumers personally to purchase durable consumer goods or pay various expenses. [0003] Risk control is the lifeline of the credit sector. Since 2019, there have been obvious signs of an increase in the non-performing rate of various credit institutions, and risk control has also received unprecedented attention. [0004] The expansion of consumer credit scale is closely related to the development of intelligent risk control. Intelligent risk control refers to the multi-dimensional behavior data of application users to predict whether they will repay their loans on time. [0005] Usually, the overdue ratio of consumer loan customers is less than 5%, which is a scenario where positiv...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/04
CPCG06Q10/04G06Q40/03
Inventor 徐清
Owner HUA DATA TECH (SHANGHAI) CO LTD
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