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Scoring card modeling method

A modeling method and scorecard technology, applied in character and pattern recognition, instruments, finance, etc., can solve problems such as inability to adapt to external market changes, poor modeling model effect, and long scorecard time, and reduce manual modeling. Possibility of error, prevention of downtime, accurate scoring effect

Pending Publication Date: 2020-12-18
弘犀智能科技(深圳)有限公司
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AI Technical Summary

Problems solved by technology

[0009] The purpose of the present invention is to provide a scoring card modeling method, which is used to solve the technical problems in the prior art that the scoring card modeling process takes a long time, cannot adapt to external market changes, and the modeling model has poor effect and high error rate

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Embodiment Construction

[0019] Below in conjunction with specific embodiment and accompanying drawing, the present invention is further elaborated and illustrated:

[0020] Please refer to figure 1 , a scoring card modeling method disclosed in the present invention. Its method is mainly used for assessing customers' consumption and credit repayment ability for banking financial institutions, and for risk assessment of credit financial institutions.

[0021] The specific scoring card modeling method includes:

[0022] Step S1, determining variables and screening variables: transforming the variables into derived variables, and removing some of the derived variables from all the derived variables through a screening algorithm to obtain intermediate derivatives with high interpretability and low collinearity after screening. variable.

[0023] In this step, it is first necessary to explore and correct the data: count the sample training data, determine the variable types and distributions required in...

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Abstract

The invention discloses a score card modeling method. The method comprises the steps of variable determination and screening, intermediate derivative variable logistic regression and model verification. In the variable determination process, a WOE variable and a Recode variable are introduced at the same time, and then the variables are constructed and screened from the two aspects of stability and accuracy; according to the method, variable clustering analysis based on factor analysis and a PCA algorithm is introduced, independent variables are clustered according to principal components of the independent variables, and a plurality of variables are selected from each cluster, so that the explanation degree and coverage of dimensions are reserved to the maximum extent. According to the score card modeling method, the modeling of the score model is completed, human intervention is only needed in several specific steps, the existing modeling time is shortened from one month to three days by adopting the semi-automatic modeling method, and the technical problem that the modeling time is long in the prior art is solved.

Description

technical field [0001] The invention relates to the field of credit risk control and management, in particular to a scoring card modeling method for lending objects. Background technique [0002] The traditional scorecard construction process in the field of credit risk control is very complicated, generally divided into data exploration, WOE calculation, variable screening, correlation analysis, binning adjustment, model tuning, model evaluation, scorecard conversion, model stability verification, etc. Many steps. The traditional model modeling process mainly has the following problems: [0003] 1. Long modeling time: Because the above process is very cumbersome, it often takes nearly a month to establish a scorecard from data exploration to completion of stability testing, which greatly affects the impact of the scorecard-based risk control system on the market. The speed of response to change. Among them, the most time-consuming and labor-intensive steps mainly focus o...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06K9/62
CPCG06Q40/03G06F18/214G06F18/241
Inventor 黄又钢许洋
Owner 弘犀智能科技(深圳)有限公司
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