Collection scoring method and device

A model and target technology, applied in the field of collection scoring methods and devices, can solve the problems of inapplicability of collection strategies, affecting the accuracy of collection scoring, and inability to achieve accurate collection, and achieve the effect of precise collection and improvement of accuracy.

Pending Publication Date: 2021-07-30
CHINA CONSTRUCTION BANK
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  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] This application provides a collection scoring method and device, the purpose of which is to solve the existing collection scoring scheme, and adopt the same collection scoring strategy for all overdue use

Method used

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  • Collection scoring method and device
  • Collection scoring method and device
  • Collection scoring method and device

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Example Embodiment

[0069] The following will clearly and completely describe the technical solutions in the embodiments of the application with reference to the drawings in the embodiments of the application. Apparently, the described embodiments are only some of the embodiments of the 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 making creative efforts belong to the scope of protection of this application.

[0070] The application is applicable to numerous general purpose or special purpose computing device environments or configurations. For example: personal computer, server computer, handheld or portable device, tablet type device, multiprocessor device, distributed computing environment including any of the above devices or devices, etc.

[0071] The embodiment of the present application provides a collection scoring method, which can be applied to various system platforms, and its ...

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Abstract

The invention provides a collection scoring method and device, and the method comprises the steps: obtaining user information of a target user, carrying out the analysis of the user information, determining an overdue repayment day number range of the overdue repayment day number of the target user, and carrying out the analysis of the overdue repayment day number of the target user in each pre-constructed collection scoring model, and determining the collection scoring model corresponding to the overdue repayment day number range as a target collection scoring model, and inputting the user information into the target collection scoring model to obtain a collection scoring result of the target user. In the technical scheme, collection scoring models corresponding to different overdue repayment day number ranges are pre-constructed, a target collection scoring model is determined from each pre-constructed collection scoring model based on the overdue repayment day number range to which the overdue repayment day number of a target user belongs, and collection scoring is performed on the target user based on the target collection scoring model. Therefore, the accuracy of collection scoring is improved, an applicable collection strategy can be determined based on the collection scoring result, and accurate collection is realized.

Description

technical field [0001] This application relates to the field of Internet finance industry, and in particular to a collection scoring method and device. Background technique [0002] In the post-loan management work, it is necessary to score the collection of overdue users, and then determine the collection strategy based on the results of the collection scoring, so as to collect loans from overdue users. [0003] During the research process, the inventor found that the existing collection scoring scheme adopts the same collection scoring strategy for all overdue users to perform collection scoring. However, the range of overdue repayment days is different, and the risk performance of overdue users is different. If the same collection scoring strategy is adopted, the accuracy of collection scoring will be affected, which will make the determined collection strategy inapplicable, resulting in the inability to achieve accurate collection. Contents of the invention [0004] T...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/06G06K9/62
CPCG06Q10/06393G06Q40/03G06F18/214
Inventor 樊涛邓飞飏周可沁褚巍吴安朱飞云韩晓杰
Owner CHINA CONSTRUCTION BANK
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