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Model fitting method and device, electronic equipment and storage medium

A model fitting and model technology, applied in the computer field, can solve problems such as slow calculation efficiency, poor explainability, and low precision, and achieve the effect of solving poor explainability and reducing loan risk

Pending Publication Date: 2022-05-03
度小满科技(北京)有限公司
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Problems solved by technology

[0007] The present disclosure provides a model fitting method, device, electronic equipment and storage medium to at least solve the technical problems of poor explainability, slow calculation efficiency and low accuracy of credit default prediction methods in the prior art

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  • Model fitting method and device, electronic equipment and storage medium
  • Model fitting method and device, electronic equipment and storage medium
  • Model fitting method and device, electronic equipment and storage medium

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Embodiment Construction

[0019] Exemplary embodiments of the present disclosure are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present disclosure to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the disclosure. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

[0020] It should be noted that the acquisition, storage and application of the user's personal information involved in the technical solution of the present disclosure all comply with relevant laws and regulations and do not violate public order and good customs.

[0021] It should be noted that the terms "first" and "second" in the specification and claims of the prese...

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Abstract

The invention provides a model fitting method and device, electronic equipment and a storage medium, relates to the technical field of computers, and at least solves the technical problems of poor interpretability, low calculation efficiency and low precision of a credit default prediction method in the prior art. According to the specific implementation scheme, loan application data is based on a target user; calculating the survival time of the target user; obtaining a first feature vector and a second feature vector of the target user; fitting the survival time, the target state of the target user, the first feature vector and the second feature vector to obtain a target model; and evaluating the target model, and predicting default conditions of the target user at different time points.

Description

technical field [0001] The present disclosure relates to the field of computer technology, in particular to a model fitting method, device, electronic equipment and storage medium. Background technique [0002] Credit is credit loan, which has been the main way of lending in my country's banks for a long time. When making credit, banks do not require borrowers to provide collateral or third-party guarantees, but to issue loans based on the creditworthiness of borrowers. Credit risk is the possibility that the borrower will default due to failure to repay the bank loan in time and in full due to various reasons. Since the borrower has credit risk when lending, the bank needs to evaluate the borrower's credit, that is, the bank needs to predict the default of the borrower. [0003] In the prior art, there are mainly two methods for credit default prediction: [0004] 1. According to the established Y value (the explained variable of the loan default prediction model), predi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/04
CPCG06Q10/04G06Q40/03
Inventor 杨雪荣许贤铭杨青
Owner 度小满科技(北京)有限公司
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