Credit scoring method and device based on regression tree algorithm, and medium
A credit scoring and regression tree technology, applied in the field of integrated learning, can solve problems such as large number of parameters, high computational complexity, and inappropriateness, and achieve the effects of improving performance, reducing redundant parameters, and improving performance
Pending Publication Date: 2021-10-22
天元大数据信用管理有限公司
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However, the large number of parameters involved in these algorithms leads to too many parameters to be optimized, and it is easy to fall into a local optimal solution when iteratively seeking the optimal parameters from a single initial value, which is not conducive to global optimal selection, resulting in unreliable prediction results
And the computational complexity required by the learning system is high, which is not suitable for most computing platforms
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[0052] The embodiment of this specification provides a credit scoring method, device and medium based on regression tree algorithm.
[0053] Credit risk analysis is an important topic in the field of financial risk management and has become a primary goal of the banking and finance industry in recent years. Today, credit risk analysis is very common in bank credit for private or commercial purposes. From a banking perspective, proper assessment of applicants for bank credit plays an important role. Even a small error in the accuracy of a credit score can cause extreme trouble for the bank and potentially huge losses due to the bankruptcy of the borrower. On the other hand, too many screening criteria may deter potential customers, which may reduce the bank's turnover. In order to minimize risk and maximize profit, many new tools have been developed to help financial experts evaluate borrowers.
[0054] Compared with traditional methods, machine learning can overcome the short...
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The embodiment of the invention provides a credit scoring method based on a regression tree algorithm. The credit scoring method is used for solving the problem of providing more accurate credit scores for financial risk control. The method comprises the following steps: performing feature extraction on initial credit data of a borrower to obtain non-linear correlation credit feature data of the borrower; screening the non-linear correlation credit characteristic data to obtain available credit characteristic data; analyzing the available credit characteristic data through a pre-integrated and trained nonlinear fitting device to obtain a credit score of the borrower, wherein the nonlinear fitting device is composed of two types of regression trees.
Description
technical field [0001] This specification relates to the field of integrated learning technology, in particular to a credit scoring method, device and medium based on a regression tree algorithm. Background technique [0002] Due to the rapid development of financial technology, big data, cloud computing, etc., Internet credit is subtly changing the traditional financial industry. Due to the advantages of low threshold and fast approval speed, this form has become the preferred financing method for many current borrowers. This has brought a huge financial impetus to promoting social and economic development, and also brought new challenges to commercial banks. Since commercial banks have strong external characteristics in the whole social and economic system, the management and evaluation of credit risk has profound significance. Credit risk assessment is an important part of commercial bank credit risk management. From a banking perspective, proper assessment of applicant...
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Login to View More IPC IPC(8): G06Q40/02G06N20/20
CPCG06N20/20G06Q40/03
Inventor 盛骏源
Owner 天元大数据信用管理有限公司