Loan assessment method and system based on multi-objective optimization

Abstract

The invention relates to the technical field of data processing, in particular to a loan evaluation method and system based on multi-objective optimization, and the method comprises the steps: obtaining the loan type of a customer and initial customer information; when the initial customer information contains abnormal information, adjusting the initial customer information according to a preset abnormal analysis model to obtain adjusted customer information; according to the loan type selected by the customer, selecting a corresponding quota evaluation model to analyze and process the customer information, namely, according to the customer information, determining a qualification rating, a risk rating and a quota rating of the customer; and on the basis of the determined customer qualification rating, risk rating and quota rating, the credit line of the customer is determined through a preset risk quota balance rule. Through the mode, the loan evaluation limit of the customer can be reasonable, and the risk tolerance of the enterprise and the loan limit of the customer can be relatively balanced, so that the loan business of the enterprise can be continuously developed for a long time.

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