Loan limit calculation method and device, computer equipment and storage medium

A calculation method and limit technology, applied in the field of big data, can solve problems such as failure to achieve accurate customer risk assessment, failure to effectively manage and control loan risks, and reduce the overall income of personal loans, so as to reduce default risks, increase credit lines, and improve overall effect of income

Pending Publication Date: 2022-03-22
CHINA CONSTRUCTION BANK
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Problems solved by technology

[0002] With the development of Internet financial technology, people's consumption concepts and consumption levels are constantly changing and improving, and the proportion of personal credit loan business is constantly increasing, and the personal credit loan business has the characteristics of large number of transactions, small amount, and rich data, so Correspondingly, there are products that automatically approve personal loans in real time, but most of the products that automatically approve personal loans in real time mainly rely on their higher interest

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  • Loan limit calculation method and device, computer equipment and storage medium
  • Loan limit calculation method and device, computer equipment and storage medium
  • Loan limit calculation method and device, computer equipment and storage medium

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[0097] In order to make the purpose, technical solutions and advantages of the present disclosure clearer, the present disclosure will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present disclosure, not to limit the present disclosure.

[0098] In the embodiments herein, the term "and / or" is only an association relationship describing associated objects, indicating that there may be three relationships. For example, A and / or B may mean that A exists alone, A and B exist simultaneously, and B exists alone. In addition, the character " / " in this article generally indicates that the contextual objects are an "or" relationship.

[0099] It should be noted that the terms "first" and "second" in the description and claims herein and the above drawings are used to distinguish similar objects, but not necessarily used to describe a ...

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Abstract

The invention relates to a loan amount calculation method and device, computer equipment and a storage medium. The method comprises the following steps: calculating a difference value between income limit data and liability limit data to obtain basic limit data of an object; through a pre-trained default probability model, a preset score span, a basic total amount calculated according to the basic amount data, bad amount data determined according to an overdue loan object, a preset risk constraint condition and linear programming calculation, a risk coefficient is obtained; determining the hierarchy of the object of each dimension according to a preset dimension, and determining the layering coefficient of the object based on the hierarchy of the object of each dimension; and calculating the loan quota of the object by using the basic quota data, the risk coefficient and the layering coefficient. By adopting the method, the limit of the personal loan can be accurately determined, so that the default risk of the personal loan is reduced, and the overall income of the personal loan is increased.

Description

technical field [0001] The present disclosure relates to the technical field of big data, in particular to a loan amount calculation method, device, computer equipment and storage medium. Background technique [0002] With the development of Internet financial technology, people's consumption concepts and consumption levels are constantly changing and improving, and the proportion of personal credit loan business is constantly increasing, and the personal credit loan business has the characteristics of large number of transactions, small amount, and rich data, so Correspondingly, there are products that automatically approve personal loans in real time, but most of the products that automatically approve personal loans in real time mainly rely on their higher interest rates to make up for the losses caused by users' failure to repay, and have not realized the risk reduction of loans. For effective management and control, the traditional scorecard method is used. Only basic d...

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/06393G06Q40/03
Inventor 刘垚范戈曾桂平许晴
Owner CHINA CONSTRUCTION BANK
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