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Credit assessment method and device and electronic equipment

A credit evaluation and credit technology, applied in data processing applications, finance, instruments, etc., can solve the problem that the applicant's credit degree cannot be accurately evaluated, and achieve the effect of solving the problem of inaccurate evaluation

Pending Publication Date: 2022-05-10
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present invention provides a credit evaluation method, device and electronic equipment to at least solve the technical problem in the prior art that the credit degree of the applicant cannot be accurately evaluated due to the lack of data of the credit applicant

Method used

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  • Credit assessment method and device and electronic equipment
  • Credit assessment method and device and electronic equipment
  • Credit assessment method and device and electronic equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0029]According to an embodiment of the present invention, an embodiment of a credit evaluation method is provided. It should be noted that the steps shown in the flowcharts of the drawings can be executed in a computer system such as a set of computer-executable instructions, and, although A logical order is shown in the flowcharts, but in some cases the steps shown or described may be performed in an order different from that shown or described herein.

[0030] figure 1 is a schematic diagram of an optional credit evaluation method according to an embodiment of the present invention, such as figure 1 As shown, the method includes the following steps:

[0031] Step S101, obtaining economic information and social information of the target object, wherein the economic information includes application information, loan information and transaction information, and the social information is used to represent the social relationship of the target object.

[0032] In step S101, th...

Embodiment 2

[0083] According to an embodiment of the present invention, an embodiment of a credit evaluation device is provided, wherein, image 3 is a schematic diagram of an optional credit evaluation device according to an embodiment of the present invention, such as image 3 As shown, the device includes:

[0084] An acquisition module 301, configured to acquire economic information and social information of the target object, wherein the economic information includes application information, loan information, and transaction information, and the social information is used to represent the social relationship of the target object;

[0085] An evaluation module 302, configured to evaluate economic information to obtain a first credit score, and evaluate social information based on the knowledge graph to obtain a second credit score;

[0086] The comparison module 303 is used to compare the economic information with the standard economic information, and obtain economic missing data co...

Embodiment 3

[0096] According to another aspect of the embodiments of the present invention, a computer-readable storage medium is also provided, and a computer program is stored in the computer-readable storage medium, wherein the computer program is configured to execute the above-mentioned credit evaluation method when running.

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Abstract

The invention discloses a credit assessment method and device and electronic equipment. The method relates to the field of artificial intelligence, and comprises the steps that economic information and social information of a target object are acquired, the economic information comprises application information, loan information and transaction information, and the social information is used for representing the social relationship of the target object; evaluating the economic information to obtain a first credit score, and evaluating the social information based on the knowledge graph to obtain a second credit score; comparing the economic information with the standard economic information to obtain economic missing data corresponding to the economic information; and determining a target credit score based on the economic missing data, the first credit score and the second credit score, the target credit score being used for evaluating the credit degree of the target object. The technical problem that the credit degree of the applicant cannot be accurately evaluated due to data missing of the credit applicant in the prior art is solved.

Description

technical field [0001] The present invention relates to the field of artificial intelligence, in particular to a credit evaluation method, device and electronic equipment. Background technique [0002] Credit refers to the form of value movement conditioned on repayment and interest payment, usually including credit activities such as bank deposits and loans. In the process of developing the personal credit business, various risk problems may arise, for example, the individual cannot continue to repay the loan and cannot repay the loan normally, the mortgage cannot be realized, the pledge cannot be realized, and the guarantee is invalid, resulting in bad debts, Bad debts make banks take huge risks. Therefore, when a credit applicant applies for related credit business (such as: loan, credit card, etc.), the bank needs to evaluate the applicant's credit to control the risk that the bank needs to bear. [0003] At present, because the data provided by applicants when applyin...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 崔际宏
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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