Collection action recommendation method and device
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A recommended method and action technology, applied in the field of credit card collection, can solve the problem that the feasibility of collection action cannot be accurately evaluated, etc.
Active Publication Date: 2021-05-11
CHINA CITIC BANK
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[0005] The embodiment of the present application provides a collection action recommendation method and device, which solves the technical problem in the prior ar...
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Embodiment 1
[0024] Such as figure 1 As shown, the embodiment of the present application provides a collection action recommendation method, wherein the method includes:
[0025] Step S100: Obtain the first user's basic information, behavior information, past collection feedback information, and candidate collection action information;
[0026] Specifically, after obtaining the basic user information, behavior information, and past collection feedback information from the information database, statistical descriptive statistics can be performed on the information first. If abnormal values or null values appear, based on the median, combined with The business experience value is corrected and filled, and the candidate collection action information is the information on the candidate list for collection obtained according to the user basic information.
[0027] Step S200: Obtain the account rollback probability information of the first user according to the first user's basic informatio...
Embodiment 2
[0067] Based on the same inventive concept as the method for recommending collection actions in the foregoing embodiments, the present invention also provides a device for recommending collection actions, such as figure 2 As shown, the device includes:
[0068] A first obtaining unit 11, the first obtaining unit 11 is used to obtain the first user's basic information, behavior information, past collection feedback information, and candidate collection action information;
[0069] The second obtaining unit 12, the second obtaining unit 12 is configured to obtain the account rollback of the first user based on the first user's basic information, behavior information, past collection feedback information, and candidate collection action information probability information;
[0070] A third obtaining unit 13, the third obtaining unit 13 is used to obtain settlement information of collection actions;
[0071] A fourth obtaining unit 14, the fourth obtaining unit 14 is configured...
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Abstract
The invention discloses a collection action recommendation method and device. The method comprises: obtaining basic information, behavior information, previous collection feedback information and candidate collection action information of a first user; acquiring account rollback probability information of the first user according to the basic information, the behavior information, the previous collection feedback information and the candidate collection action information of the first user; acquiring collection action settlement information; acquiring expected cost information of the collection action according to the settlement information of the collection action and the account rollback probability information of the first user; obtaining the debt information that the first user should pay; and obtaining a collection action recommendation value according to the first user payable debt information, the collection action expected cost information and the account rollback probability information. The technical problem that the feasibility of the collection action cannot be accurately evaluated in the prior art is solved, and the technical effect of accurately evaluating and recommending the collection action is achieved.
Description
technical field [0001] The present invention relates to the related field of credit card collection, in particular to a collection action recommendation method and device. Background technique [0002] It is a basic law of the market economy that risks are proportional to returns. When pursuing the high-yield potential of the credit card business, credit card companies have to face the reality that some credit card accounts will experience certain defaults, serious defaults, and even bad debt losses. The collection action is to take appropriate collection measures for these user accounts in different default and arrears status or even bad debt status. On the one hand, some of the arrears accounts will return to normal status, and on the other hand, the final bad debt loss will be reduced as much as possible. Collection actions are one of the core competitiveness of credit card companies. Effective collection actions can enable card issuing banks to directly reduce bad debt ...
Claims
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Application Information
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