Credit investigation second-generation credit report derivative variable processing method

Abstract

The invention discloses a credit investigation second-generation credit report derivative variable processing method, which comprises the following steps of: 1, analyzing and classifying a use scene of a credit investigation report derivative variable in an existing credit process based on a credit investigation report; 2, defining a common calculation logic fixed telephone as a standard calculation expression in combination with an in-stack technology; and 3, based on the standard calculation expression, configuring the processing logic of the derivative variables. Code development is reduced, developers only need to pay attention to implementation of business logic, if requirements are changed, general logic only needs to modify configuration of an xml expression needs, the accuracy and preciseness of index calculation are guaranteed, operation risks are avoided, if variables with complex logic cannot be output through configuration, the calculation expression can be self-defined, an existing expression library is expanded, and subsequent derivative variable processing is facilitated.

Description

technical field [0001] The invention belongs to the technical field of credit investigation data processing, and in particular relates to a method for processing derivative variables of a second-generation credit report. Background technique [0002] The current method of processing derived variables in the People’s Bank of China’s credit report is mainly realized by manual or hard-coded calculation methods. Due to the large amount of credit information and the complex calculation logic of derived variables, manual or hard-coded methods are quite difficult and error-prone. The key Errors in the calculation of derived variables will lead to significant risks in credit approval. Contents of the invention [0003] The technical problem to be solved by the present invention is to provide a method for processing derivative variables of the second-generation credit report in view of the deficiencies of the above-mentioned prior art. [0004] For realizing above-mentioned techni...

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Problems solved by technology

[0002] The current method of processing derived variables in the People’s Bank of China’s credit report is mainly realized by manual or hard-coded calculation methods. Due to the large amount of credit information and the complex calculation logic of derived variables, manual or hard-coded methods are quite difficult and error-prone. The key Errors in the calculation of derived variables will lead to significant risks in credit approval

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