Loan overdue prediction and learning method and device

A learning method and learning device technology, applied in forecasting, instrumentation, finance, etc., can solve the problems of increased probability and risk of sensitive information privacy exposure

Pending Publication Date: 2021-06-15
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Because more and more customer data and internal bank data are shared, the probability and risk of privacy exposure of sensitive information are also greatly increased

Method used

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  • Loan overdue prediction and learning method and device
  • Loan overdue prediction and learning method and device
  • Loan overdue prediction and learning method and device

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Embodiment Construction

[0072] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments It is a part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of this application.

[0073] It should be noted that the loan overdue prediction, learning method and device disclosed in this application can be used in the financial field, and can also be used in any field other than the financial field. The loan overdue prediction, learning method and device disclosed in this application The field of application is not limited.

[0074] Consid...

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Abstract

The invention provides a loan overdue prediction and learning method and device, and can be applied to the technical field of finance. An alliance learning circle is formed by combining a block chain, and a global model is formed according to each local model by utilizing the characteristics of the block chain, so that the purpose of learning updating is achieved. On one aspect, after the model training, the overdue probability of a creditor can be accurately predicted without the need for other banks to share data (the conventional loan overdue prediction must share data among banks under the condition that credit investigation is not carried out, and the loan condition of a customer to be loan in other banks is known). The overdue probability of the creditor can be accurately predicted without the need for checking the credit investigation and the like.

Description

technical field [0001] This application relates to the field of computer technology, in particular to a loan overdue prediction and learning method and device. Background technique [0002] At present, most of the industry's solutions for forecasting loans are forecasted by independent models within institutions. This kind of forecasting method cannot prevent financial crimes due to the non-disclosure of information between banks and information islands. Some banks' internal systems will use artificial intelligence technology to predict loan overdue, such as sharing overdue information among banks with big data; predicting loan overdue through artificial intelligence models. [0003] Independent forecasting models tend to be updated only within the institution. However, the customer's financial situation is often changing dynamically. If the data is not shared with other banks, the customer with a criminal conspiracy may use the credit line to borrow a large amount of money...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q40/02
CPCG06Q10/04G06Q40/03
Inventor 黄湘影吴能斌张志群温丽明
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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