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Personal credit rating evaluation method and device

A technology of credit rating and evaluation method, applied in the field of data processing, can solve the problems of low efficiency and low accuracy of personal credit rating

Pending Publication Date: 2022-07-29
BANK OF CHINA
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] In view of this, the present invention provides a method for evaluating personal credit ratings, by which the problems of low efficiency and low accuracy in evaluating personal credit ratings are solved

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  • Personal credit rating evaluation method and device
  • Personal credit rating evaluation method and device

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Embodiment Construction

[0059] 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.

[0060] In this application, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply that any such relationship exists between these entities or operations. The terms "comprising", "comprising" or any other variation thereof are intended to cover a non-exclusive inclusion such that a process, method, article or device c...

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Abstract

The invention discloses a personal credit rating evaluation method and device, which can be applied to the field of big data or finance, and comprises the steps of determining an attribute value of attribute information of a customer, establishing an attribute coordinate system according to the attribute information and the attribute value, determining a coordinate value from the attribute coordinate system according to the attribute value, and evaluating the personal credit rating. Determining each attribute standard interval corresponding to the customer in a preset attribute standard interval set, judging whether all the coordinate values are matched with each attribute standard interval or not, and if alternative attribute standard intervals which are not matched with all the coordinate values exist in each attribute standard interval, calculating to obtain a similar value corresponding to each alternative attribute standard interval, and determining the alternative attribute standard interval corresponding to the maximum similar value as a target attribute standard interval, determining a credit level corresponding to the target attribute standard interval, and determining the credit level corresponding to the target attribute standard interval as the personal credit level of the customer. By applying the method provided by the invention, the personal credit rating of the customer can be quickly and accurately evaluated.

Description

technical field [0001] The present invention relates to the field of data processing, in particular to a method and device for evaluating personal credit rating. Background technique [0002] With the development of today's digital economy, the use of credit services has gradually become smaller. Unlike in the past, customers can only apply for credit services when large-amount consumption is involved. Now all kinds of small-amount consumption involved in daily life can be Apply for credit services. With the increase in the amount of credit services, the corresponding number of personal credit rating evaluations has surged, and the importance of personal credit rating evaluations has also increased. [0003] In the existing process of evaluating the personal credit rating of customers, the technology of artificial or neural network is usually used to evaluate the personal credit rating. High and low efficiency, while the commonly used neural network relies on mathematical ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06K9/62
CPCG06Q40/03G06F18/22
Inventor 路文骏
Owner BANK OF CHINA
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