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Credit rating method and device based on rating model

A model and credit technology, applied in the field of data processing, can solve problems such as unobjective rating results and non-standard use of rating tools, and achieve the effect of ensuring accuracy and objectivity and improving efficiency

Pending Publication Date: 2022-07-15
CHINA CONSTRUCTION BANK
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Problems solved by technology

[0004] In view of this, the embodiment of the present invention provides a credit rating method and device based on a rating model to solve the problems of non-standard use of rating tools and unobjective rating results

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  • Credit rating method and device based on rating model
  • Credit rating method and device based on rating model
  • Credit rating method and device based on rating model

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Embodiment Construction

[0055] The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0056]In this application, the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device comprising a list of elements includes not only those elements, but also no Other elements expressly listed, or which are also inherent to such a process, method, article or apparatus. Without further limitation, an element qualified by the phr...

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Abstract

The invention provides a credit rating method and device based on a rating model, and the method comprises the steps: determining a rating model when a rating instruction of a to-be-rated customer is received; calculating an initial default probability of the to-be-rated customer by using the rating model; mapping the initial default probability to a preset standard table to obtain an initial rating; when a preset special case adjustment factor exists in the customer information, adjusting the initial rating according to a special case item adjustment rule to obtain a final rating of the to-be-rated customer; when the preset special case adjustment factor does not exist in the customer information, determining the initial rating as a final rating; determining a final default probability of the to-be-rated customer by using a preset standard table; and generating a rating report according to the final rating, the final default probability, the initial rating and the initial default probability. According to the invention, credit rating is carried out on the to-be-rated customer by using the rating model, the operation of customer credit rating is effectively standardized, the credit rating method is unified, the accuracy and objectivity of customer credit rating are ensured, and the efficiency of customer credit rating is improved.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a credit rating method and device based on a rating model. Background technique [0002] In order to ensure that the bank manages the credit risk of customers smoothly and carries out various credit business activities, it is necessary to carry out credit rating of customers and accurately measure the real risk level of customers. [0003] The current market is mainly based on the rating personnel's understanding of the rating tool, and the rating tool is selected to rate the customer's credit. In this way, it is easy to use the wrong rating tools due to the misjudgment of the rating personnel, and there are many human interventions, lack of standardization, resulting in inaccurate rating results and other problems, leaving loopholes for bank management. SUMMARY OF THE INVENTION [0004] In view of this, the embodiments of the present invention provide a credit rating ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/06393G06Q40/03
Inventor 朱曼莎
Owner CHINA CONSTRUCTION BANK
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