Control and management method and device for solving credit granting risks of small and micro enterprises

Abstract

The invention relates to the technical field of information, and provides a control and management method and device for solving credit granting risks of small and micro enterprises. The method aims at solving the problems of data scarcity, incompleteness, insufficient historical information precipitation and the like in the credit business of the small and micro enterprises of a financial institution, obtaining the credit application requests of the small and micro enterprises, and forming a credit application data set Hive; requesting credit investigation mechanism data, performing cross validation on the credit investigation mechanism data and the credit application data set, and classifying customers according to verification information to obtain classified customer data; extracting classified customer data, and generating Hive of a training set and a test set after extracting customer application feature information; performing credit rating on the training set Hive by using an active learning technology to obtain a credit rating; after the credit rating is obtained, verifying the training set Hive through an asymmetric deviation analysis method; and issuing a credit line according to the verified credit rating result of the small and micro enterprises.

Description

technical field [0001] The invention relates to the field of information technology, and provides a method and device for solving credit risk control and management of small and micro enterprises. Background technique [0002] In recent years, the national level has put forward many policies and support programs on financial support for the development of small and micro enterprises. However, in the bank-led financial system, mortgages are usually a prerequisite for loans, and small and micro enterprises generally do not have decent collateral. The financial management of such customers is generally not standardized or there is no relevant information, and the current large number of small and micro enterprises, short loan terms, and fast turnover frequency have caused banks to have more concerns about this, so it is difficult to obtain loans. [0003] With the rapid iteration of business and the continuous introduction of cooperation platforms, the traditional mode of credi...

AI Technical Summary

Problems solved by technology

[0004] The purpose of the present invention is to: aim at the defects and deficiencies of the prior art, provide a small and micro enterprise credit verification method, device, equipment and storage medium based on active learning asymmetric deviation analysis, and solve the problems in the credit business of financial institutions for small and micro enterprises. Faced with problems such as data scarcity, incompleteness, and insufficient accumulation of historical information, improve the effect of small and micro enterprise credit risk control models, thereby improving the level of financial institutions serving the real economy

Images