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Credit evaluation method and device

A credit evaluation and user technology, applied in the field of data processing, can solve the problems of ignoring time correlation, insufficient credit evaluation accuracy, traditional models cannot find related information, etc., and achieve the effect of reducing manpower

Pending Publication Date: 2020-12-22
CHINA CONSTRUCTION BANK
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Problems solved by technology

[0004] The disadvantage of this method is that the data obtained under the same type of business in the feature derivation process has time series characteristics, but the combination method of the data ignores the time correlation when the feat

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  • Credit evaluation method and device
  • Credit evaluation method and device

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Embodiment Construction

[0056] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0057] In order to improve the accuracy of credit assessment, it is necessary to input more comprehensive data into the model. This estimation method not only needs to rely on the data under the same business, but also needs to discover the potential correlation of data under different businesses.

[0058] The present invention provides a credit evaluation method, such as figure 1 As shown, the methods include:

[0059] Step S101, acquiring the user's busines...

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Abstract

The invention provides a credit assessment method and device. The method comprises the following steps: acquiring service data and attribute data of a user; respectively carrying out feature engineering processing on the attribute data and the business data to determine attribute feature representation data and business feature representation data of a preset time sequence period; and carrying outcredit assessment by using a pre-established deep learning model according to the attribute feature representation data and the business feature representation data of the preset time sequence period. Credit risk assessment is automatically carried out on clients by adopting a deep learning algorithm, so that manpower is effectively reduced, features do not need to be screened, in the aspect of model data use, the time sequence of data features is fully considered, new data can be rapidly added, only one time sequence module is needed for one more service, and client performance can be comprehensively observed.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a credit evaluation method and device. Background technique [0002] Personal credit risk assessment refers to the integration and association of economic and behavioral data such as personal basic information, economic capacity, credit history records, transaction records, etc., through the integration and correlation of customer-related information dimensions in the process of bank personal credit business, using analytical and statistical techniques. Analyze and calculate, and establish corresponding credit risk models to obtain corresponding credit scores, so as to realize credit risk assessment of customers and predict the possibility of default of loan applicants. Under the background of vigorously developing online credit business nowadays, commercial banks are faced with expanding the credit business of sinking customer groups, so finding a comprehensive and effec...

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/06G06N3/04
CPCG06Q10/06393G06Q10/067G06N3/044G06N3/045G06Q40/03
Inventor 覃春钰
Owner CHINA CONSTRUCTION BANK
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