Label library construction and money return efficiency method based on non-performing asset disposal efficiency
A tag library and efficient technology, applied in data processing applications, instruments, finance, etc., to achieve the effect of increasing diversity and increasing the return rate
Pending Publication Date: 2021-08-17
深圳市蓬莱产业科技有限公司
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[0006] The purpose of the present invention is to provide a label library construction based on the efficiency of non-performing assets disposal and a method of payment collection efficiency to solve the problem of the asset package that banks and non-bank financial institutions need to prepare when entrusting non-performing assets to dispose of pre-obtained income targets. Problems with the correctness of asset quality attributes
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[0093] (1) The present invention effectively converts the data value of major financial institutions into industry data value. On the one hand, it improves the diversity of channels for handling cases of the same type in a single institution, and on the other hand, it allows institutions to better manage assets through the system. When and where to choose which judicial disposal method to provide a reference data basis;
[0094] (2) The present invention can dispose of non-performing assets through the estimation and judgment of the recovery rate in the label library, and the algorithm model will follow the business data to continuously adjust the value of the disposal cycle, so that the value of the asset package in the hands of the customer is the most suitable The opportunity to adopt different strategies to dispose of it and realize it; and increase the cash recovery rate.
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The invention relates to the technical field of label library construction, in particular to a label library construction and money return efficiency method based on non-performing asset disposal efficiency, which comprises the following steps: S1, establishing an asset package, a judicial business docking system, a mediation operation system, an auxiliary tool system and a channel system which operate independently, and which are respectively responsible for data cleaning, law complaint work, mediation and flow auxiliary work of the asset package and data synchronization with other channels; S2, performing asset package original data modeling and establishing a debtor debt basic model and a debt repayment willingness period model respectively according to asset package debtor types.
Description
technical field [0001] The invention relates to the technical field of tag library screening and library building, in particular to a method for tag library construction and payment collection efficiency based on non-performing asset disposal efficiency. Background technique [0002] In the era of big data, data mining is the most critical work. Big data mining is a process of discovering valuable and potentially useful information and knowledge hidden in massive, incomplete, noisy, fuzzy, and random large databases, and it is also a decision support process. It is mainly based on artificial intelligence, machine learning, pattern learning, statistics, etc. Through the highly automated analysis of big data, inductive reasoning is made, and potential patterns are excavated from it, which can help companies, merchants, and users adjust market policies, reduce risks, face the market rationally, and make correct decisions. [0003] Merge datasets and records, select data subse...
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IPC IPC(8): G06Q40/02G06Q50/18
CPCG06Q40/02G06Q50/18
Inventor 卢道朱咸超王文斌蔡梦洁郭琪李征
Owner 深圳市蓬莱产业科技有限公司