Calculation method and device for feature data of lending user in financial scene
A technology of user characteristics and user data, applied in the field of big data, can solve the problems that the characteristics cannot be counted relatively completely, manual processing is time-consuming and laborious, and achieve the effect of reducing labor and time costs and reducing financial risks
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[0036]It should be noted that the embodiments in this application and the features in each embodiment can be combined with each other if there is no conflict.
[0037]Hereinafter, the present application will be described in detail with reference to the drawings and in conjunction with the embodiments.
[0038]This application is aimed at the calculation method of characteristic data of deposit and loan users (such as users who record deposit and loan time series) in financial scenarios (such as banks). It is divided into four parts, including data initialization, field expansion, data grouping, and characteristic calculation. Each part is independent and interrelated. The modular structure is flexible, which facilitates the combination of modules, and has high reusability and maintainability.
[0039]The calculation method of deposit and loan user characteristic data provided in this application is as followsfigure 1 As shown, specifically including:
[0040]Step 101, data initialization; impo...
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