Method and device for evaluating third-party data gain
A data and credit technology, applied in the field of third-party data gain evaluation, can solve the problems of lack of quantification in gain evaluation, limited test sample set capacity, unstable and inaccurate results, etc., to achieve the effect of ensuring continuity and increasing stability
Pending Publication Date: 2022-01-07
度小满科技(北京)有限公司
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Problems solved by technology
[0004] 1) Whether it is comparing KS indicators, or re-dividing the number of stratified price comparisons or changes in overdue rates, the gain evaluation has not been quantified as a profit-level result;
[0005] 2) Due to the limitations of testing fees or data security, the capacity of the test sample set is limited
None of the existing technical solutions has targeted optimization for the unstable and inaccurate results that may be caused by the limited test sample size;
[0006] 3) It is generally carried out on the overall sample of the test set, and it is not evaluated whether there is a difference in the gain of the third-party data on the sample subsets with different initial credit scores
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[0023] Before discussing the exemplary embodiments in more detail, it should be mentioned that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although the flowcharts describe operations as sequential processing, many of the operations may be performed in parallel, concurrently, or simultaneously. In addition, the order of operations can be rearranged. The process may be terminated when its operations are complete, but may also have additional steps not included in the figure. The processing may correspond to a method, function, procedure, subroutine, subroutine, or the like.
[0024] The term "computer equipment" in this context, also referred to as "computer", refers to an intelligent electronic device that can perform predetermined processing procedures such as numerical calculations and / or logic calculations by running predetermined programs or instructions, which may include a processor and The memory is realized by the processor...
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The invention aims to provide a method and a device for evaluating third-party data gain. The method comprises the following steps: obtaining an initial first credit score and a second credit score obtained after re-modeling by introducing third-party data; based on the first credit score and the second credit score, obtaining an original migration probability, wherein the migration probability represents the probability that the new credit of the application user whose initial credit is divided into the first credit score is divided into the second credit score; and smoothing the migration probability function by using a kernel density estimation method to obtain the migration probability function, and evaluating the gain brought by the third-party data based on the migration probability function. The embodiment of the invention has the following advantages: when the gain brought by the third-party data to the credit risk control model needs to be evaluated, the gain is calculated based on the migration probability obtained after the third-party data is introduced, so that the gain difference of the third-party data on different initial credit sub-samples can be evaluated.
Description
technical field [0001] The invention relates to the field of computer technology, in particular to a method and device for evaluating third-party data gains. Background technique [0002] Based on the existing technical solutions, the main process of evaluating the gains brought by third-party data to the credit risk control model includes: introducing third-party data as feature data to remodel, scoring on the verification sample set; using new credit scores to calculate test samples The overall KS index is compared with the initial index; or it is used to divide the new stratum according to the way of aligning the original number of strata, and compare the changes in the overdue rate in each stratum. [0003] However, the way of assessing the benefits brought by the third-party data to the credit risk control model based on the existing technology has the following disadvantages: [0004] 1) Whether it is comparing KS indicators, or re-dividing the number of stratified pr...
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IPC IPC(8): G06Q10/06G06Q40/02G06F17/18
CPCG06Q10/06393G06F17/18G06Q40/03
Inventor 刘宏剑严澄杨青
Owner 度小满科技(北京)有限公司