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

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...

AI Technical Summary

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 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 data is considered to evaluate the risk of customers' personal loans, so as to roughly determine the amount of personal loans. It is impossible to achieve accurate assessment of customer risks and accurately determine the amount of personal loans , which will greatly increase the risk of personal loan default and reduce the overall income of personal loans

Images