Asset clearing method and device based on artificial intelligence, and electronic equipment

Abstract

The invention relates to an artificial intelligence technology, and specifically discloses an asset clearing and receiving method and device based on artificial intelligence, and electronic equipment, and the method comprises the steps: obtaining a customer feature library associated with to-be-cleared and received assets; inputting the customer feature library into a preset decision tree algorithm model to enable the decision tree algorithm model to obtain importance values of customer features contained in the customer feature library, and selecting a specified number of customer features as candidate customer features according to the descending order of the importance values, the importance value is used for representing the importance degree of the customer characteristics relative to asset clearance strategy formulation; inputting the obtained candidate customer features into a preset logistic regression algorithm model to obtain a prediction result output by the logistic regression algorithm model; and determining the customer type with the maximum probability value from the prediction result, and selecting an asset clearance strategy corresponding to the customer type with the maximum probability value. By adopting the method of the embodiment of the invention, a more reliable asset clearance strategy can be obtained.

Description

technical field [0001] This application relates to the technical field of artificial intelligence, in particular, to an artificial intelligence-based asset recovery method and device. Background technique [0002] The bank’s handling of financial assets includes the collection of customer assets. For example, when a customer receives a loan from the bank, it should rely on its own operating income to repay the loan when it is due. However, if the customer’s operating income is not enough to repay the bank loan, the loan will become abnormal. For loans, banks need to take measures to recover the principal and interest of the loan. [0003] At present, the bank's asset collection strategy mainly relies on the subjective evaluation of professionals in charge of collection in the bank, entrusts customers with poor evaluation to third-party service companies for collection, and uses internal bank collection for customers with good evaluation This method of manual collection is i...

AI Technical Summary

Problems solved by technology

[0003] At present, the bank's asset collection strategy mainly relies on the subjective evaluation of professionals in charge of collection in the bank, entrusts customers with poor evaluation to third-party service companies for collection, and uses internal bank collection for customers with good evaluation This method of manual collection is inefficient, and the staff usually chooses to entrust most customers to a third-party service company subjectively, resulting in very high collection costs for the bank

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