Personal credit evaluation and explanation method and device based on time sequence attribution analysis, equipment and a storage medium

Abstract

The invention provides a personal credit evaluation and explanation method and device based on time sequence attribution analysis, equipment and a storage medium. The method comprises the steps of creating a credit scoring model; respectively training the credit scoring model by utilizing a plurality of groups of historical credit investigation data sets with time labels to obtain a plurality of historical credit scoring models; predicting a plurality of future credit scoring models based on a plurality of historical credit scoring models with time labels or a plurality of groups of historicalcredit investigation data sets with time labels according to the types of the credit scoring models; inputting to-be-assessed credit investigation data into the selected historical credit scoring model or future credit scoring model to obtain a credit investigation assessment result of the credit investigation subject corresponding to the to-be-assessed credit investigation data; and explaining the credit investigation evaluation result. According to the invention, a series of credit scoring models are constructed for a plurality of historical time points and a plurality of future time points, credit assessment of a credit investigation subject at a specific time point can be realized by selecting a proper credit scoring model, and explanation with reference value is made for an assessment result, so that personal credit scores are guided to be improved.

Description

technical field [0001] The invention relates to the field of financial credit investigation, in particular to a personal credit evaluation and interpretation method, device, equipment and storage medium based on temporal attribution analysis. Background technique [0002] The rapid development of information technology such as big data and cloud computing has provided massive data and advanced technologies for the credit industry to carry out credit investigation business. Among them, the personal credit investigation business based on Internet big data has huge development potential. [0003] Using a powerful machine learning classification model, the existing personal credit scoring system can already evaluate personal credit. However, there is a common concern in these systems, that is, they cannot make valuable logical explanations for the evaluation results, and therefore cannot give effective and feasible suggestions for credit reference subjects to improve their credi...

AI Technical Summary

Problems solved by technology

Using such a scoring model may not even be able to obtain objective and valid evaluation results, let alone be able to make valuable logical explanations for the evaluation results

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