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Mining method for characteristics of credit report

A report and tabular data technology, applied in the field of credit risk, can solve the problems of insufficient mining of information, large investment of manpower and material resources, etc., and achieve the effect of comprehensive and effective features, saving manpower and material resources, and strong interpretability

Pending Publication Date: 2022-03-04
SICHUAN XW BANK CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0006] The invention discloses a method for mining the features of a credit report, which intends to solve the technical problem that a large amount of manpower and material resources are required to be invested in the current feature mining of the PBOC credit report mentioned in the background technology, and a lot of information cannot be fully mined

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  • Mining method for characteristics of credit report

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Embodiment Construction

[0030] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only It is a part of the embodiments of this application, not all of them. The components of the embodiments of the application generally described and illustrated in the figures herein may be arranged and designed in a variety of different configurations. Accordingly, the following detailed description of the embodiments of the application provided in the accompanying drawings is not intended to limit the scope of the claimed application, but merely represents selected embodiments of the application. Based on the embodiments of the present application, all other embodiments obtained by those skilled in the art without...

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Abstract

The invention belongs to the technical field of credit risks, and particularly relates to a credit report feature mining method. Comprising the following steps: step 1, acquiring a pedestrian credit report, automatically analyzing the credit report, and processing the credit report into table data; 2, performing feature mining on the table data in the step 1 by adopting an automatic feature mining program to obtain derivative features and feature interpretations corresponding to the derivative features; and step 3, based on a preset threshold value, screening the derivative features generated in the step 2, and screening out the derivative features meeting conditions. According to the method, feature mining is automatically carried out, and a large amount of manpower and material resources are saved; and the feature interpretation of the corresponding derivative features can be generated, the calculation path of each feature is marked, and the interpretability is high.

Description

technical field [0001] The invention belongs to the technical field of credit risk, and in particular relates to a mining method for features of a credit investigation report. Background technique [0002] PBOC credit report is divided into personal credit report and enterprise credit report. It is a record of personal credit information issued by the credit information center of the People's Bank of China, and is used to inquire about the social credit of individuals or enterprises. [0003] The credit report is divided into three categories, namely basic personal information, credit transaction information and other information. [0004] The People's Bank of China's credit report records the historical information of credit transactions between customers and financial institutions such as banks, and is a key source of data for most financial institutions to assess the risk of loan applicants. The information on the PBOC credit report is rich, and full feature mining can e...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/10
CPCG06Q10/103G06Q40/03
Inventor 徐顺
Owner SICHUAN XW BANK CO LTD