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Repayment positive degree evaluation method and device

An evaluation device and positive technology, applied in the computer field, can solve the problems of low repayment enthusiasm, high-risk groups, misjudgment of risk systems, etc., and achieve the effects of low iterative maintenance cost, high degree of automation, and stable prediction

Pending Publication Date: 2022-04-08
上海数禾信息科技有限公司
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  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] The result of this is that in the revolving credit product, after a period of time, the customer's enthusiasm for repayment becomes low, or the high-risk group with an increase in long-term inquiries will still be misjudged by the current risk system

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Embodiment Construction

[0046] In order to make the purpose, technical solutions and advantages of the embodiments of the present disclosure clearer, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the drawings in the embodiments of the present disclosure. Obviously, the described embodiments It is only a part of the embodiments of the present disclosure, but not all the embodiments. Based on the embodiments in the present disclosure, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present disclosure.

[0047] The terms "first", "second", "third", "fourth", etc. (if any) in the description and claims of the present disclosure and the above drawings are used to distinguish similar objects and not necessarily Describe a specific order or sequence. It is to be understood that the data so used are interchangeable under approp...

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Abstract

The invention provides a repayment positive degree evaluation method. The method comprises the following steps: based on pre-acquired user data, the user data comprises user attribute label data and user lending behavior label data; according to the user data, determining a repayment proportion of a repayment amount of the user in a preset time threshold to a required repayment total amount; and based on the repayment proportion and the user data, through a pre-constructed repayment positive degree evaluation model, determining a repayment positive degree score of the user. According to the repayment positive degree evaluation method, the prediction effect is improved on the premise that the prediction stability is guaranteed, the method is applied to future repayment positive degree evaluation and repayment positive degree monitoring in the loan process of a customer, and the technology is high in automation degree, easy to implement and low in iterative maintenance cost.

Description

technical field [0001] The present disclosure relates to the field of computer technology, in particular to a method and device for evaluating repayment positivity. Background technique [0002] In the risk control of transactions, most of the existing technologies use behavior scoring + rule strategy to identify the customer's transaction risk and make a decision whether to pass or not. [0003] The result of this is that in the revolving credit product, after a period of time, the customer's repayment enthusiasm becomes low or the high-risk group whose long-term inquiries increase and deteriorate will still be misjudged by the current risk system. [0004] Therefore, how to provide a technical solution for automatically identifying customer dynamic risks and accurately judging customer risks is a problem that those skilled in the art need to solve at present. Contents of the invention [0005] The embodiments of the present disclosure provide a method and device for eva...

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/06G06K9/62
Inventor 乾春涛
Owner 上海数禾信息科技有限公司