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Loan default risk detection method based on multi-view learning and related equipment

A Risk Detection, Multi-View Technology

Pending Publication Date: 2021-04-13
PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Based on this, aiming at the above technical problems, this application provides a loan default risk detection method, device, computer equipment and storage medium based on multi-view learning to solve the problem that unlabeled rejection samples cannot be used to correct samples in the P2P platform in the prior art. It is a technical problem that needs to be solved to select bias to tap the potential of default risk detection and improve the effect of default detection

Method used

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  • Loan default risk detection method based on multi-view learning and related equipment
  • Loan default risk detection method based on multi-view learning and related equipment
  • Loan default risk detection method based on multi-view learning and related equipment

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Embodiment Construction

[0028] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by those skilled in the technical field of the application; the terms used herein in the description of the application are only to describe specific embodiments The purpose is not to limit the present application; the terms "comprising" and "having" and any variations thereof in the specification and claims of the present application and the description of the above drawings are intended to cover non-exclusive inclusion. The terms "first", "second" and the like in the description and claims of the present application or the above drawings are used to distinguish different objects, rather than to describe a specific order.

[0029] Reference herein to an "embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the present application. The occurrenc...

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Abstract

The embodiment of the invention belongs to the field of big data, and relates to a loan default risk detection method based on multi-view learning; the method comprises the following steps: dividing default detection data features into a borrowing target feature view and a borrower feature view; training a first detection classifier and a second detection classifier based on the labeled samples and the rejected samples to obtain a trained first detection classifier and a trained second detection classifier; setting voting weights for the trained first detection classifier and second detection classifier according to a preset weight strategy to obtain a multi-view default risk detection model; and inputting to-be-detected target data into the multi-view default risk detection model to obtain a loan default risk detection result. By adopting the method, the loan default risk detection accuracy is improved.

Description

technical field [0001] The present application relates to the field of data processing, in particular to a multi-view learning-based loan default risk detection method, device, computer equipment and storage medium. Background technique [0002] On the P2P platform, borrowers publish applications for loan targets, and investors can choose satisfactory targets for investment according to their own risk preferences. If the required total amount of loans can be raised within the target preparation period, the target will win the bid, that is Borrowing is successful, this part of the sample is also called the receiving sample. The P2P platform can record the subsequent repayment information of these successful borrowers. If the total amount of loans cannot be raised within the target fundraising period, the target will fail to bid, that is, the loan will fail, and this part of the sample is also called a rejected sample. [0003] Based on the repayment information of the sampl...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06K9/62
CPCG06Q40/03G06F18/2415G06F18/214
Inventor 许天歌
Owner PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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