Resource data processing optimization method and device, storage medium and terminal

A resource data and optimization method technology, applied in the field of data processing, can solve the problem that the asset value of non-performing assets cannot meet the accurate requirements of asset value valuation, and achieve the effect of improving accuracy and increasing calculation parameters

Active Publication Date: 2021-06-11
大箴(杭州)科技有限公司
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  • Claims
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AI Technical Summary

Problems solved by technology

[0004] In view of this, the present invention provides an optimization method and device, storage medium, and terminal for resource data processing, the main purpose of which is to solve the problem that the existing asset value for non-performing assets cannot meet the accurate demand for asset value valuation

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  • Resource data processing optimization method and device, storage medium and terminal
  • Resource data processing optimization method and device, storage medium and terminal
  • Resource data processing optimization method and device, storage medium and terminal

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Embodiment Construction

[0023] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided for more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0024] An embodiment of the present invention provides an optimization method for resource data processing, such as figure 1 As shown, the method includes:

[0025] 101. Acquire characteristic resource data of non-performing assets to be processed.

[0026] In the embodiment of the present invention, the feature resource data is used to represent the information related to the repayment ability of a group or individual borrower in...

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Abstract

The invention discloses a resource data processing optimization method and device, a storage medium and a terminal, relates to the technical field of data processing, and mainly aims to solve the problem that the asset value of an existing non-performing asset cannot meet the accurate assessment requirement of the asset value. The method mainly comprises the steps of obtaining feature resource data of to-be-processed unhealthy assets; performing prediction processing on the feature resource data according to a trained resource prediction model, the resource prediction model being obtained by performing feature marking on the feature resource data in a training data set based on a feature hierarchy and completing model training; and determining the repayment willingness information of the feature resource data obtained through prediction processing as an influence parameter corresponding to the asset value estimation value of the feature resource data. The method is mainly used for optimizing resource data processing.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to an optimization method and device for resource data processing, a storage medium, and a terminal. Background technique [0002] In the field of financial credit, those assets that borrowers cannot repay the principal and interest on schedule and in full, and credit companies cannot dispose of, are non-performing assets, such as mortgaged properties that cannot be disposed of. In order to reduce the economic loss caused by non-performing assets, credit companies use big data methods to evaluate the asset value of non-performing asset data in order to accurately customize the collection plan. [0003] At present, the existing deep learning algorithm is only used to predict and value the asset value of non-performing asset data, which cannot accurately meet the matching needs of diversified collection schemes, and cannot realize personalized prediction for unknown gr...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/04G06N3/04G06K9/62G06F16/245
CPCG06Q10/04G06F16/245G06N3/045G06Q40/03G06F18/214
Inventor 王冰玉
Owner 大箴(杭州)科技有限公司
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