Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Data determination method and device, computer readable storage medium and electronic equipment

A technology of data determination and characteristic information, applied in the field of financial technology, can solve the problems of inaccurate judgment of the cause of credit default risk prediction results, and achieve the effect of solving inaccurate judgment of the cause of occurrence and improving the accuracy of judgment

Pending Publication Date: 2022-07-01
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
View PDF0 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Embodiments of the present invention provide a data determination method, device, computer-readable storage medium, and electronic equipment to at least solve the technical problem of inaccurate judgment of the cause of credit default risk prediction results in the prior art

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Data determination method and device, computer readable storage medium and electronic equipment
  • Data determination method and device, computer readable storage medium and electronic equipment
  • Data determination method and device, computer readable storage medium and electronic equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0031] According to an embodiment of the present invention, an embodiment of a data determination method is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings may 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 steps shown or described may be performed in an order different from that herein.

[0032] figure 1 is a schematic diagram of an optional data determination method according to an embodiment of the present invention, such as figure 1 As shown, the method includes the following steps:

[0033] Step S101, acquiring a credit feature set of the target object, wherein the credit feature set includes a plurality of feature information belonging to at least one feature category.

[0034] In step S101, the credit feature set of the target object can be obtained through electronic equipment, application system, server, etc....

Embodiment 2

[0119] According to an embodiment of the present invention, an embodiment of a data determination apparatus is provided, wherein, Figure 4 is a schematic diagram of an optional data determination device according to an embodiment of the present invention, such as Figure 4 As shown, the device includes:

[0120] an obtaining module 401, configured to obtain a credit feature set of the target object, wherein the credit feature set includes a plurality of feature information belonging to at least one feature category;

[0121] The prediction module 402 is configured to perform prediction on the credit feature set to obtain a prediction result and a first result, wherein the prediction result represents whether the target object has a default risk, and the first result includes an important ratio of each feature category to the first feature of the prediction result , and the importance ratio of each feature information to the second feature of the predicted result;

[0122] T...

Embodiment 3

[0133] 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 data determination method when running.

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention discloses a data determination method and device, a computer readable storage medium and electronic equipment. The method comprises the steps that a credit and loan feature set of a target object is acquired, and the credit and loan feature set comprises multiple pieces of feature information belonging to at least one feature category; predicting the credit feature set to obtain a prediction result and a first result; under the condition that the prediction result represents that the target object has the default risk, performing attribution calculation on each piece of feature information in a credit feature set of the target object to obtain a second result; and determining an abnormal feature category and abnormal feature information in the credit feature set based on the first result and the second result, the abnormal feature category being the feature category with the highest contribution degree to the prediction result, and the abnormal feature information being the feature information with the highest contribution degree to the prediction result. According to the invention, the technical problem of inaccurate judgment of the occurrence reason of the credit default risk prediction result in the prior art is solved.

Description

technical field [0001] The present invention relates to the field of financial technology, and in particular, to a data determination method, apparatus, computer-readable storage medium and electronic device. Background technique [0002] In the field of risk control, in credit scenarios, post-loan monitoring of customers is an indispensable environment. It can accurately identify customer groups that may be at risk of default, strengthen subsequent supervision or account managers manually call for payment, and reduce the proportion of bad and bad debts. appear particularly important. [0003] Among them, the risk control field has high requirements for the interpretability of the forecast results, that is, for the customer group that may be at risk of default, it is necessary to conduct a specific analysis of the reasons for the risk warning. However, in the prior art, the reason for the occurrence of the prediction result of credit default risk is not accurate, so it cann...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 韩奇城贾小茹杜敏徐晓琳
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
Features
  • Generate Ideas
  • Intellectual Property
  • Life Sciences
  • Materials
  • Tech Scout
Why Patsnap Eureka
  • Unparalleled Data Quality
  • Higher Quality Content
  • 60% Fewer Hallucinations
Social media
Patsnap Eureka Blog
Learn More

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2025 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com