Bank customer credit scoring method and system

A credit scoring and customer technology, applied in computing, special data processing applications, instruments, etc., can solve problems such as unfairness, affecting the operability of credit evaluation, and the inability to guarantee the fairness of evaluation results, etc.

Inactive Publication Date: 2004-09-15
XICAI HIGH TECH SICHUAN
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AI Technical Summary

Problems solved by technology

[0005] At present, domestic commercial banks generally use the artificially designed credit system to evaluate the credit of bank customers, which has the following shortcomings: (1) The artificially designed credit index system is not scientific, and there is no sufficient basis for which indicators should be included; 2) The artificially designed credit index system is not objective enough, the weight of the index is set subjectively, and more reflects the subjective ideas of the designer; (3) It is not fair enough, since the credit index system lacks sufficient scientificity and objectivity , of course, the fairness of the evaluation results cannot be guaranteed, which affects the operability of credit evaluation. Therefore, at present, domestic commercial banks generally adopt a credit system in which experts or leaders hold meetings to discuss whether loans should be granted, supplemented by computer credit evaluation. processing strategy

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  • Bank customer credit scoring method and system
  • Bank customer credit scoring method and system
  • Bank customer credit scoring method and system

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Embodiment Construction

[0014] Below in conjunction with accompanying drawing, the present invention will be further described, as figure 1 As shown, the credit calculation server is the core component of the bank's customer credit scoring system, and it mainly completes the functions of modeling, model optimization, model storage and model application (that is, calculating customer credit scores).

[0015] Build customer credit model

[0016] Let Y be an observable random variable subject to p-1 nonrandom factors X 1 , X 2 ,...,X p-1 and random error ε, if Y has the following linear relationship with:

[0017] Y=β 0 +β 1 x 1 +β 2 x 2 +..., +β p-1 x p-1 +ε (1)

[0018] Among them, β 0 , β 1 , β 2 ,...,β p-1 is an unknown parameter, ε∈N(0, σ 2 ) p Then the model is called a linear regression model, Y is the dependent variable, and X 1 , X 2 ,...,X p-1 as an independent variable.

[0019] To build a linear regression model, first estimate the unknown parameter β 0 , β 1 , β 2 ,....

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Abstract

The method includes analyzing customer's historical data, building model for scoring customer's credit, scoring customer's credit based on model. The system includes server, interface of banking business system and foreground terminals. Based on browser, foreground terminals can launch request of credit calculation to server locally or remotely as well as display result. The server stores scoring model, and based on request from foreground terminal, the server calculates customer's score of credit. Based on given customer's code, the interface of banking business system communicates with the banking business system, reading out customer's information for server to calculate. Comparing with prior art, the invented system is scientific, objective as well as fair and square. The system provides features of simple operation, use in local and remote, no need of maintaining foreground terminals, shared data among banking business systems.

Description

[0001] Field [0002] The invention relates to a credit scoring method and system, in particular to a bank customer credit scoring method and system, which is suitable for commercial bank credit and credit risk assessment and management of credit card customers. Background technique [0003] The informatization construction of my country's commercial banks has made great achievements, and has built a fully functional banking business processing system, accounting system and inter-bank payment and clearing system, but generally lags behind in credit management, and the credit application and approval process is too complicated. The lack of an objective and effective customer credit evaluation mechanism is low in efficiency, which will put commercial banks in a disadvantageous position in the fierce market competition, especially in the competition with foreign banks after WTO. [0004] As far as bank customers are concerned, especially credit and credit card customers, many of t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F13/00G06F17/00
Inventor 晏永胜周晓明封希德蒲果泉黄纯国
Owner XICAI HIGH TECH SICHUAN
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