Mathematical modeling method and system, equipment and computer readable medium

A mathematical modeling and model technology, applied in computing, data processing applications, instruments, etc., can solve problems such as low efficiency of model identification for customers, instability of external credit information, and influence on model stability, so as to improve identification efficiency and accuracy degree, reduce overfitting, and reduce the effect of influence

Pending Publication Date: 2021-05-04
深圳无域科技技术有限公司
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  • Abstract
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Problems solved by technology

[0003] In the process of risk control modeling, because the external credit information is unstable due to the influence of the external environment, it will affect the stability of the model
In addition, since there ar

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  • Mathematical modeling method and system, equipment and computer readable medium
  • Mathematical modeling method and system, equipment and computer readable medium

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Embodiment Construction

[0052] Preferred embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings.

[0053] In order to further understand the present invention, the preferred embodiments of the present invention are described below in conjunction with examples, but it should be understood that these descriptions are only to further illustrate the features and advantages of the present invention, rather than limiting the claims of the present invention.

[0054] The description in this part is only for several typical embodiments, and the present invention is not limited to the scope of the description of the embodiments. The mutual replacement of the same or similar prior art means and some technical features in the embodiments is also within the scope of the description and protection of the present invention.

[0055] The description of the steps in each embodiment in the specification is only for convenience of description, and the imple...

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Abstract

The invention discloses a mathematical modeling method and system, equipment and a computer readable medium. The mathematical modeling method comprises the following steps: a strict variable screening step; a step of mining client setting information as variables; a step of screening the variables through set features of the variables; and a model training step. The external resource information characteristics are independently modeled, model results are fused in cooperation with models established by other characteristics, and when the external resource information has a problem, only the resource information model is adjusted without affecting the whole model; and products with similar distribution and scenes are combined together for modeling. According to the mathematical modeling method, the system, the equipment and the computer readable medium provided by the invention, the stability of the mathematical model can be improved, and meanwhile, the recognition efficiency and accuracy of the customer quality can be improved. According to the method, the instability of variables and the over-fitting of the model can be reduced, and the influence of data instability on model training and the final effect is reduced as much as possible.

Description

technical field [0001] The invention belongs to the technical field of mathematical model building, and relates to a modeling method, in particular to a mathematical modeling method, system, equipment and computer-readable medium. Background technique [0002] Risk control is the key to finance. With the development of the times, a general trend in the field of risk control is that the degree of informatization, modeling, and intelligence is getting higher and higher. [0003] In the process of risk control modeling, the stability of the model is affected because the external credit information is unstable due to the influence of the external environment. In addition, since there are many types of risk control products, it is necessary to establish a corresponding mathematical model for each risk control product, which requires a large workload, and the identification efficiency of the model for customers is low. [0004] In view of this, there is an urgent need to design a...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q40/00
CPCG06Q10/0635G06Q10/067G06Q40/00
Inventor 林建明
Owner 深圳无域科技技术有限公司
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