Collection scoring method and device

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...

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 users to perform collection scoring, which will affect the accuracy of collection scoring, so that the determined The collection strategy is not applicable, resulting in the inability to achieve accurate collection

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