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Credit granting management method and device, electronic equipment and computer readable medium

A management method and a technology of preset values, which are applied in computing, data processing applications, finance, etc., can solve the problems that the evaluation data is too dependent on the provision of financial institutions, and the credit management model does not have universality, so as to achieve the effect of enriching the calculation method

Pending Publication Date: 2021-10-08
CCB FINTECH CO LTD
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Problems solved by technology

[0004] In view of this, the embodiment of the present invention provides a credit management method, device, electronic equipment and computer-readable medium, which can at least solve the problem of the credit management model in the prior art Phenomenon that is not universal and relies too much on evaluation data provided by financial institutions

Method used

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  • Credit granting management method and device, electronic equipment and computer readable medium
  • Credit granting management method and device, electronic equipment and computer readable medium
  • Credit granting management method and device, electronic equipment and computer readable medium

Examples

Experimental program
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Effect test

Embodiment 1

[0117] Embodiment one, see figure 2 Shown:

[0118] S201: Determine whether the target enterprise is included in the sample enterprises;

[0119] S201: If it is included, determine the interval of the index data from the sample normal distribution curve, and use the probability corresponding to the interval as the efficacy coefficient of any evaluation index;

[0120] S202: If not included, use a histogram matching algorithm to perform normal distribution processing on the index data and the sample data together, so as to update the sample normal distribution curve;

[0121]S203: Determine the interval of the index data in the updated sample normal distribution curve, and use the probability corresponding to the interval as the efficacy coefficient of any evaluation index.

[0122] The sample normal distribution curve is generated from sample data, the sample data corresponds to sample enterprises, and the number of sample enterprises is multiple. This embodiment is based ...

Embodiment 2

[0126] Embodiment two, see Figure 4 Shown:

[0127] S401: Use the efficacy coefficient method to convert the index data under any rating index into a value within a preset range;

[0128] S402: Based on the scale information and industry information of the target enterprise, perform normal distribution processing on the data;

[0129] S402: Determine the interval of the processing result in the sample normal distribution curve, and use the probability corresponding to the interval as the efficacy coefficient of any one of the evaluation indicators; wherein, the sample normal distribution curve is obtained by normalizing the sample data The sample data corresponds to multiple sample enterprises;

[0130] S404: Using a histogram matching algorithm, perform normal distribution processing on the index data of the target enterprise and the sample data together, so as to update the sample normal distribution curve.

[0131] In this embodiment, the efficacy coefficient method is ...

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Abstract

The invention discloses a credit granting management method and device, electronic equipment and a computer readable medium, and relates to the technical field of data analysis and mining. A specific embodiment of the method comprises the following steps: obtaining index data corresponding to each rating index under a target enterprise; for the index data under any rating index, calculating the efficacy coefficient of any rating index, and obtaining the score of any rating index in combination with the preset weight value of any rating index; and accumulating scores of all rating indexes to obtain a score of the target enterprise, and if the score is within a preset credit granting score range, carrying out credit granting processing on the target enterprise. According to the implementation mode, enterprise research and development capability, intellectual property, qualification awards and other soft strength evaluation indexes closely related to science and technology enterprises on the basis of social credit data are introduced, and the science and technology enterprise rating model which is high in market applicability and does not take financial institution private data as the core is provided.

Description

technical field [0001] The present invention relates to the technical field of data analysis and mining, in particular to a credit management method, device, electronic equipment and computer readable medium. Background technique [0002] Loans are the means by which financial institutions provide funds to consumers, and consumers return funds according to certain interest rates and repayment conditions. Financial institutions release monetary funds through loans to meet the needs of society to expand production for supplementary funds and promote economic development. Applying for loans has also become a spending habit of most contemporary consumers. At present, with the development of society, more and more small and medium-sized enterprises have become the main group of loans. [0003] In the process of realizing the present invention, the inventor found at least the following problems in the prior art: the existing data used to evaluate the credit is unique to the finan...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 江凌志陈少冬林一鸣蔡诗璇陈琼刘洋李睿军
Owner CCB FINTECH CO LTD
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