User screening strategy generation method and device and electronic equipment

Abstract

The invention relates to a user screening strategy generation method and device, electronic equipment and a computer readable medium. The method comprises the following steps: determining a user screening target, wherein the user screening target comprises a project category and a screening parameter; extracting a plurality of target users from historical users based on the item categories to generate a user sample set; inputting the user sample set and the screening parameters into a strategy model for calculation, and generating a plurality of user screening strategies; and extracting a target user screening strategy from the plurality of user screening strategies based on a preset standard. According to the user screening strategy generation method and device, the electronic equipment and the computer readable medium, the user screening strategy can be quickly and accurately generated according to the target set by the administrator, the labor cost is reduced, the strategy screening accuracy is improved, the strategy online time is shortened, the risk user can be identified in time, and the resource security is ensured.

Description

technical field [0001] The present disclosure relates to the field of computer information processing, and in particular, to a method, device, electronic device, and computer-readable medium for generating a user screening strategy. Background technique [0002] With the development of the economy, in order to meet the needs of their own development, individual users or business users often borrow from financial service institutions. For financial service institutions, users' borrowing activities are likely to bring risks to financial service companies. Before the repayment period expires, major adverse changes in the financial and business conditions of the borrower (credit user) are likely to affect its ability to perform, resulting in risks such as bad debts and bad debts. Therefore, in order to reduce the probability of such risks, financial service institutions need The risk assessment of the borrower is carried out, and then the corresponding user strategy is formulate...

AI Technical Summary

Problems solved by technology

If the user policy guidance is updated, such as the increase in the user screening ratio or the increase in the user rejection rate, after these guidelines are changed, the policy maker still needs to analyze again through this analysis method, wasting a lot of time

Moreover, user policies with manual participation will inevitably introduce errors in the formulation process, which also brings security risks to the actual application of user policies.

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