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Personal credit scoring method and system, electronic equipment and storage medium

A credit scoring and credit technology, applied in the financial field, can solve problems such as low flexibility, single evaluation model, and unverified authenticity, and achieve the effect of improving flexibility and accuracy

Pending Publication Date: 2021-01-22
CHINAUMS
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  • Abstract
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Problems solved by technology

[0003] (1) Rely on Internet data, and the authenticity of the data is doubtful (the data is obtained through web crawlers, etc., and the authenticity has not been verified);
[0004] (2) Excessive reliance on historical credit records makes it difficult to assess the credit status of white households;
[0005] (3) Construct a single evaluation model, which is difficult to adjust according to specific businesses and has low flexibility

Method used

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  • Personal credit scoring method and system, electronic equipment and storage medium
  • Personal credit scoring method and system, electronic equipment and storage medium
  • Personal credit scoring method and system, electronic equipment and storage medium

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Embodiment Construction

[0033]In order to better understand the technical solutions of the present invention, the embodiments of the present invention will be described in detail below with reference to the accompanying drawings.

[0034]It should be clear that the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.

[0035]The terms used in the embodiments of the present invention are only for the purpose of describing specific embodiments, and are not intended to limit the present invention. The singular forms of "a", "said" and "the" used in the embodiments of the present invention and the appended claims are also intended to include plural forms, unless the context clearly indicates other meanings.

[0036]It should be understood that the term "...

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Abstract

The embodiment of the invention provides a personal credit scoring method and system, electronic equipment and a storage medium. According to the personal credit scoring method provided by the embodiment of the invention, the plurality of sub-evaluation models are established from a plurality of dimensions, so that personal credit can be evaluated more comprehensively, excessive dependence on a certain credit record is avoided, the accuracy of the personal credit scoring method is improved, and in addition, the plurality of sub-evaluation models are established, personal credit evaluation canbe comprehensively adjusted in combination with multiple service scenes, and the flexibility of the personal credit scoring method is improved.

Description

Technical field[0001]The present invention relates to the field of financial technology, in particular to a personal credit scoring method and system, electronic equipment and storage medium.Background technique[0002]In recent years, with the deepening of inclusive finance, personal credit business has developed rapidly. Most of the credit business has been converted to online, which can quickly and timely meet the customer's loan needs, but due to the unsecured, the overdue rate is also rising. In this scenario, how to efficiently and accurately assess personal credit status and identify the risk of default is particularly important. In the prior art, most of the methods for personal credit evaluation are based on Internet data to build a credit evaluation model. The usage data includes operating behavior data on specific application software (such as the length of browsing the loan product introduction page), social network data, and history Credit history data, etc. However, this...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/02
Inventor 孙战平
Owner CHINAUMS
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