Computer device, system and storage medium for determining customer quality

Abstract

The invention provides a computer device and system for determining customer quality and a storage medium, and relates to the technical field of computer application. The computer device comprises a memory and a processor, the memory is used for storing computer instructions, and the computer device is characterized in that the processor executes the computer instructions stored in the memory to realize the following operations: obtaining business data with marketing institution information and generating a borrowing table; obtaining monitoring index data of each marketing institution according to the borrowing table, and calculating a credit score of each marketing institution according to the monitoring index data; and determining a customer quality evaluation result according to customer information and the credit score. By adopting the computer device, the customer quality can be accurately and quickly determined based on the marketing institution score, so that the accuracy and rationality of examination and approval are improved, the examination and approval period is remarkably shortened, and the overall working efficiency is improved.

Description

Technical Field

[0001] The present invention relates to the field of computer application technology, and more specifically, to a computer device, system and storage medium for determining customer quality. Background Art

[0002] Currently, the credit approval process mainly builds a strategic framework around product characteristics and individual characteristics of borrowers, and performs credit approval through manual regular analysis of customer quality. Therefore, the traditional credit approval method has the problem of high labor costs, and it is impossible to quickly determine customer quality based on the overall customer situation of the marketing agency, resulting in low approval efficiency and accuracy. Summary of the invention

[0003] In order to solve the problems existing in the above-mentioned prior art or at least part of the problems, the embodiments of the present invention provide a computer device, system, storage medium and computer program product for determining customer quality based on marketing agency scoring. By generating a promissory note table with marketing agency information, the monitoring indicator data of the marketing agency is obtained according to the promissory note table and the credit score of the marketing agency is calculated, and then the customer quality assessment result is determined according to the customer information and the credit score of the marketing agency. The group characteristics displayed by the marketing agency can be used to accurately quantify customer information, and customer quality can be determined more accurately and quickly, thereby improving the accuracy and rationality of approval, thereby significantly shortening the approval cycle and improving overall work efficiency.

[0004] According to a first aspect of the present invention, an embodiment of the present invention provides a computer device for determining customer quality based on a marketing agency score, comprising a memory and a processor, the memory being used to store computer instructions, wherein the processor executes the computer instructions to implement the following operations: obtaining business data having marketing agency information; generating a promissory note table based on the business data; obtaining monitoring indicator data of each marketing agency based on the promissory note table, and performing standardization processing on the monitoring indicator data to obtain standardized indicator data; calculating the proportion of the indicator value of each marketing agency in each monitoring indicator based on the standardized indicator data; calculating the information entropy of each monitoring indicator based on the indicator value proportion; calculating the credit score of each marketing agency based on the information entropy and the monitoring indicator data; and determining the customer quality assessment result based on the customer information and the credit score.

[0005] According to the above-mentioned embodiment of the present invention, by generating a promissory note table with marketing agency information, obtaining the monitoring indicator data of the marketing agency and calculating the credit score of the marketing agency based on the promissory note table, and then determining the customer quality assessment result based on the customer information and the credit score of the marketing agency, the group characteristics displayed by the marketing agency can be used to accurately quantify customer information, and the customer quality can be determined more accurately and quickly, thereby enhancing the targeted nature of the approval, and improving the accuracy and rationality of the approval, thereby significantly shortening the approval cycle and improving overall work efficiency.

[0006] In some embodiments of the present invention, monitoring indicator data of each marketing agency is obtained from the loan note table based on a preset period, and the credit score of each marketing agency is automatically calculated based on the monitoring indicator data.

[0007] According to the above-mentioned embodiment of the present invention, by periodically and automatically obtaining the IOU table with marketing agency information and calculating the credit score of the marketing agency, the score of each marketing agency can be automatically updated in real time according to changes in business data and the customer quality assessment results can be automatically determined, thereby improving approval efficiency.

[0008] In some embodiments of the present invention, the processor executing the computer instructions may further implement the following operation: dynamically adjusting customer resource allocation according to the credit score and customer quality assessment results.

[0009] According to the above-mentioned implementation mode of the present invention, dynamically adjusting customer resource allocation according to credit score and customer quality assessment results can improve the scientificity and accuracy of decision-making, optimize resource allocation to better meet customer needs, and realize fine-grained risk management to ensure resource security.

[0010] In some embodiments of the present invention, the monitoring indicator data include: customer credit score, overdue rate, average loan amount, average interest rate, and number of marketing loans.

[0011] According to the second aspect of the present invention, an embodiment of the present invention provides a system for determining customer quality based on marketing agency scoring, which includes: a business data acquisition module, used to acquire business data with marketing agency information through an accounting system; a promissory note table generation module, used to enable the accounting system to generate a promissory note table based on the business data with marketing agency information; an agency scoring calculation module, used to perform the following operations: acquiring monitoring indicator data of each marketing agency according to the promissory note table, and standardizing the monitoring indicator data to obtain standardized indicator data; calculating the proportion of indicator values ​​of each marketing agency in each monitoring indicator according to the standardized indicator data; calculating the information entropy of each monitoring indicator according to the indicator value proportion; calculating the credit score of each marketing agency according to the information entropy and the monitoring indicator data; a customer quality assessment module, used to determine the customer quality assessment result based on the customer information and the credit score.

[0012] According to the above-mentioned embodiment of the present invention, by generating a promissory note table with marketing agency information, obtaining the monitoring indicator data of the marketing agency and calculating the credit score of the marketing agency based on the promissory note table, and then determining the customer quality assessment result based on the customer information and the credit score of the marketing agency, the group characteristics displayed by the marketing agency can be used to accurately quantify customer information, and the customer quality can be determined more accurately and quickly, thereby enhancing the targeted nature of the approval, and improving the accuracy and rationality of the approval, thereby significantly shortening the approval cycle and improving overall work efficiency.

[0013] In some embodiments of the present invention, the institution score calculation module obtains monitoring indicator data of each marketing institution from the loan note table based on a preset period, and automatically calculates the credit score of each marketing institution based on the monitoring indicator data.

[0014] According to the above-mentioned embodiment of the present invention, by periodically and automatically obtaining the IOU table with marketing agency information and calculating the credit score of the marketing agency, the score of each marketing agency can be automatically updated in real time according to changes in business data and the customer quality assessment results can be automatically determined, thereby improving approval efficiency.

[0015] In some embodiments of the present invention, the customer quality assessment system further includes a resource adjustment module for dynamically adjusting customer resource configuration according to the credit score and customer quality assessment results.

[0016] According to the above-mentioned implementation mode of the present invention, dynamically adjusting customer resource allocation according to credit score and customer quality assessment results can improve the scientificity and accuracy of decision-making, optimize resource allocation to better meet customer needs, and realize fine-grained risk management to ensure resource security.

[0017] In some embodiments of the present invention, the monitoring indicator data include: customer credit score, overdue rate, average loan amount, average interest rate, and number of marketing loans.

[0018] According to the third aspect of the present invention, an embodiment of the present invention provides a computer-readable storage medium having computer-readable instructions stored thereon, and when the computer-readable instructions are executed by a processor, the computer performs the following operations: obtaining business data having marketing agency information; generating a promissory note table based on the business data; obtaining monitoring indicator data of each marketing agency based on the promissory note table, and standardizing the monitoring indicator data to obtain standardized indicator data; calculating the proportion of indicator values ​​of each marketing agency in each monitoring indicator based on the standardized indicator data; calculating the information entropy of each monitoring indicator based on the indicator value proportion; calculating the credit score of each marketing agency based on the information entropy and the monitoring indicator data; and determining the customer quality assessment result based on the customer information and the credit score.

[0019] According to a fourth aspect of the present invention, an embodiment of the present invention provides a computer program product including a computer program, which implements the following operations when executed by a processor: obtaining business data having marketing agency information; generating a promissory note table based on the business data; obtaining monitoring indicator data of each marketing agency based on the promissory note table, and standardizing the monitoring indicator data to obtain standardized indicator data; calculating the proportion of indicator values ​​of each marketing agency in each monitoring indicator based on the standardized indicator data; calculating the information entropy of each monitoring indicator based on the indicator value proportion; calculating the credit score of each marketing agency based on the information entropy and the monitoring indicator data; and determining the customer quality assessment result based on the customer information and the credit score.

[0020] From the above, it can be seen that the computer device, system, storage medium and computer program product for determining customer quality based on marketing agency scoring provided by the embodiments of the present invention, by generating a promissory note table with marketing agency information, obtaining the monitoring indicator data of the marketing agency according to the promissory note table and calculating the credit score of the marketing agency, and then determining the customer quality assessment result according to the customer information and the credit score of the marketing agency, can accurately quantify customer information by utilizing the group characteristics displayed by the marketing agency, determine customer quality more accurately and quickly, thereby enhancing the targeted nature of the approval, and improving the accuracy and rationality of the approval, thereby significantly shortening the approval cycle and improving overall work efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Figure 1 is a flow chart of a method for determining customer quality based on marketing organization scoring according to an embodiment of the present invention;

[0022] Figure 24 is a schematic diagram of the architecture of a system for determining customer quality based on marketing organization scoring according to Example 2 of the present invention. DETAILED DESCRIPTION

[0023] The various aspects of the present invention are described in detail below in conjunction with the accompanying drawings and specific embodiments. Among them, well-known modules, units and their connections, links, communications or operations are not shown or described in detail. In addition, the described features, architectures or functions can be combined in any way in one or more embodiments. It should be understood by those skilled in the art that the various embodiments described below are only used for illustration and are not intended to limit the scope of protection of the present invention. It can also be easily understood that the modules or units or processing methods in each embodiment described herein and shown in the accompanying drawings can be combined and designed in various different configurations.

[0024] [Example 1]

[0025] Embodiment 1 of the present invention provides a computer device for determining customer quality based on marketing agency scores, the computer device comprising a memory and a processor, the memory being used to store one or more computer-readable instructions or programs, wherein the one or more computer-readable instructions or programs, when executed by the processor, can implement a method for determining customer quality based on marketing agency scores as described in any of the following embodiments. The computer device may be, for example, a server, a desktop computer, a notebook computer, a tablet computer, etc.

[0026] in, Figure 1 It is a flowchart of a method for determining customer quality based on marketing organization scoring according to an embodiment of the present invention.

[0027] like Figure 1 As shown, in one embodiment of the present invention, the method for determining customer quality may include: step S11, step S12, step S13, step S14, step S15, step S16 and step S17, and the above steps are described in detail below.

[0028] In step S11, business data with marketing agency information is obtained, wherein the marketing agency includes but is not limited to one or more of the following: offline cooperative merchants such as decoration, beauty, electrical appliances, 4S stores, etc., online promotion cooperation agencies, etc.

[0029] In step S12, a loan note table is generated according to the business data.

[0030] In some embodiments, marketing organization information is generated in the debit note table of the accounting system according to the business data with marketing organization information, and general ledger information is generated in the accounting system according to the marketing organization information. Among them, the connectivity of marketing organization data is achieved by synchronizing the marketing organization number between the marketing system, the accounting system and the accounting system. Specifically, when a loan business is entered into the marketing system, the marketing organization information (marketing organization number) is synchronized to the accounting system, the accounting system receives the marketing organization information, and associates it with the specific loan information to generate a debit note table containing information such as loan time, loan amount, overdue days, interest rate, status, balance, etc.; after the accounting system processes the loan transaction, the accounting information including the marketing organization information is synchronized to the accounting system, so that the accounting information of the accounting system contains the marketing organization information; the accounting system summarizes the accounting information according to the marketing organization information (marketing organization number) to generate general ledger data, and the general ledger data reflects the accounting status of each branch.

[0031] Exemplarily, when handling business, a customer enters a marketing person number consisting of n letters or numbers (blank if there is no marketer), and the marketing system converts the marketing person number into a marketing organization number consisting of n letters or numbers by querying the recommended configuration table, and then stores the business data with the marketing organization number in the accounting system's loan note and marketing organization information table (i.e., the loan note table with marketing organization information) through the business information synchronization interface; the accounting data synchronization interface extends the marketing organization number field, and when accounting records information such as loan disbursement, repayment, provision, and transfer, the marketing organization number is transmitted to the accounting system through the accounting data synchronization interface; the detailed accounting table of the accounting system extends the marketing organization field, and the marketing organization number field is set when storing accounts; the accounting summary table extends the marketing organization field, and the accounting system summarizes the accounting information by accounting date every day, and summarizes the accounting data according to the three conditions of product information, accounting information, and organization number summary and stores it in the accounting summary table.

[0032] In step S13, the monitoring indicator data of each marketing agency is obtained according to the loan note table, and the monitoring indicator data is standardized to obtain standardized indicator data. The monitoring indicator data includes but is not limited to at least one or more of the following: customer credit score, overdue rate, average loan amount, average interest rate, and number of marketing loans. By extracting the key information of marketing customers under the marketing agency in multiple dimensions, accurate labeling of the marketing agency, efficient extraction of key values, and in-depth analysis are achieved, thereby capturing the risk characteristics and business trends at the marketing agency level.

[0033] In an exemplary implementation, the monitoring indicator data of each marketing agency is collected by the following method, for example, the monitoring indicator data of each marketing agency in the past three years (that is, the loan time of the loan note satisfies: current time - loan time <= 3 years):

[0034] ① Customer credit score: Obtain the customer number field from the loan note table, and query the customer center based on the customer number field to obtain the customer credit (average) score of each marketing organization. Specifically, the average customer credit score of the marketing organization is calculated according to the following formula (1):

[0035]

[0036] Among them, x n is the credit score of each customer in the marketing organization, n is the total number of customers in the marketing organization; and the customer credit score is averaged. Converted to a percentage score, the percentage credit score = marketing agency customer credit score / 950×100, and the full credit score is 950 points.

[0037] ②M1 overdue rate: total amount of M1 overdue loans = sum(0 < amount of loans with overdue days < 30), M1 overdue rate = total amount of M1 overdue loans / total loan amount × 100%, M1 overdue rate in percentage = (1-M1 overdue rate) × 100.

[0038] ③M2 overdue rate: total amount of M1 overdue loans = sum(amount of loans with 30≤overdue days<60), M2 overdue rate = total amount of M2 overdue loans / total loan amount×100%, M2 overdue rate in percentage = (1-M2 overdue rate)×100.

[0039] ④ Overdue rate of M3 and above: Total amount of overdue loans of M3 and above = sum(loan amount with 60≤overdue days), M3 overdue rate = total amount of M3 overdue loans / total loan amount × 100%, M3 overdue rate in percentage = (1-M3 overdue rate) × 100.

[0040] ⑤ Average loan amount: The average loan amount is calculated by the ratio of the total loan amount of a single loan note to the total number of loans. The average loan amount in percentage = (average loan amount of the marketing organization / maximum loan amount of all products) × 100, where all products refer to multiple products without distinguishing between business types.

[0041] ⑥ Average interest rate: The average interest rate is calculated by the ratio of the sum of the execution interest rates of a single loan note to the total number of loans. The average interest rate in percentage = (1-the loan interest rate evaluated by the marketing agency / the maximum interest rate of all products) × 100.

[0042] ⑦ Number of marketing loans: that is, the number of loans disbursed, calculated using the scoring method, number of loans disbursed = (number of loans disbursed by the marketing agency / number of loans disbursed for all products) × 100.

[0043] For example, when the total number of marketing organizations is 7, the monitoring indicator data of each marketing organization A, B, C, D, E, F, and G collected through the above exemplary implementation is shown in Table 1 below:

[0044] Table 1

[0045]

[0046] In a further embodiment, the monitoring index data is standardized by the following formula (2) to obtain standardized index data:

[0047]

[0048] Among them, x ij is the jth standardized indicator data of the ith institution. The coefficients 0.998 and 0.002 can make x ij The value is greater than 0, which prevents the subsequent calculation of lnx ij Optionally, the coefficient 0.998 can be modified to any number close to 1, such as 0.999, 0.997, etc.

[0049] For example, the monitoring indicator data in Table 1 is standardized to obtain the standardized indicator data shown in Table 2 below:

[0050] Table 2

[0051]

[0052] In step S14, the indicator value proportion of each marketing organization in each monitoring indicator is calculated based on the standardized indicator data.

[0053] In this embodiment, the index value proportion P of the i-th marketing organization under the j-th monitoring index is calculated by the following formula (3): ij ,∑P ij =1:

[0054]

[0055] For example, the indicator value proportion of each marketing organization in each monitoring indicator is calculated based on the standardized indicator data in Table 3 as shown in Table 3 below:

[0056] Table 3

[0057]

[0058] In step S15, the information entropy of each monitoring indicator is calculated according to the indicator value proportion.

[0059] In this embodiment, the information entropy e of the jth indicator is calculated by the following formula (4):j :

[0060]

[0061] in,

[0062] For example, the information entropy of each monitoring indicator is calculated based on the indicator value proportion in Table 3 as shown in Table 4 below:

[0063] Table 4

[0064]

[0065] In step S16, the credit score of each marketing organization is calculated based on the information entropy and the monitoring indicator data. The indicator weight of each monitoring indicator is calculated based on the information entropy of each monitoring indicator, and then the credit score of each marketing organization is calculated based on the indicator weight and the monitoring indicator data.

[0066] In this embodiment, the indicator weight ω of the jth monitoring indicator is calculated by the following formula (5): j :

[0067]

[0068] For example, according to the information entropy calculation of each monitoring indicator in Table 4, the indicator weight of each monitoring indicator as shown in Table 5 below is obtained:

[0069] Table 5

[0070]

[0071] Then, the credit score C of the i-th marketing agency is calculated according to the following formula (6): i :

[0072]

[0073] For example, according to the indicator weight and monitoring indicator data of each monitoring indicator in Table 5, the credit score of each marketing agency is calculated as shown in Table 6 below:

[0074] Table 6

[0075]

[0076] In a further embodiment, the calculated credit score of each marketing organization is saved by creating an org_score table (organization score table). For example, the credit score of the marketing organization is stored in the org_score table shown in Table 7 below:

[0077] Table 7

[0078] name usefulness id Data id org_id Institution Number 3year_score 3-year data score 3month_socre March data score calculate_date Calculate Date update_time Update time create_time Update time

[0079] In some embodiments, the monitoring index data of each marketing agency is obtained from the loan note table based on a preset cycle, and the credit score of each marketing agency is automatically calculated based on the monitoring index data. For example, the credit score (score) of the marketing agency for 3 years and 3 months is calculated regularly (such as every month, week or day) (reflecting the long-term stability and short-term dynamic changes of the marketing agency) and saved in the org_score table. Further, when the marketing agency has a loan approval, the org_score table is queried for the data row with org_id equal to the marketing agency number and the largest calculate_date date, and 3year_score and 3month_score are taken out and sent to the loan approval system. The loan approval decision system uses the marketing agency score as the basis for approval and pricing, and the approval system deeply integrates multi-dimensional information sources (such as the customer's credit report, financial status analysis, personal information, guarantee measures evaluation, etc.). By comprehensively using these core elements and the marketing agency score, the approval system can build a scientific and flexible evaluation model to ensure that each approval decision is based on sufficient information support, which is both accurate and reasonable. By utilizing the group characteristics displayed by marketing agencies, accurately quantifying the historical and recent customer composition and loan performance of marketing agencies, and directly integrating them into the loan approval and pricing process, not only the targeted nature of the approval is enhanced, but also the accuracy and rationality of the approval is greatly improved, thereby significantly shortening the approval cycle and improving overall work efficiency.

[0080] In step S17, the customer quality assessment result is determined based on the customer information and the credit score. By adding a scoring system with a marketing agency dimension, the reliance on external credit resources is effectively reduced, and by incorporating the recent business performance and historical data of the marketing agency into the adjustment of business decisions and marketing strategies, the bank can obtain more comprehensive and in-depth market insights, thereby realizing decision analysis based on this data drive, which not only improves the scientificity and accuracy of the decision, but also helps the bank to adjust the market strategy in a timely manner, optimize resource allocation, so as to better meet customer needs and enhance market competitiveness. At the same time, compared with the traditional method of manually analyzing the loan situation of the marketing agency on a regular basis and stopping the flow when the overdue rate of the institution's loan customers is found to be increasing, the present invention is based on the historical performance of the institution and predictive analysis, which can more accurately assess the loan risk, thereby significantly reducing operating costs and improving overall economic benefits while ensuring the quality of approval.

[0081] The computer device of Example 1 of the present invention is used to implement the above-mentioned method for determining customer quality based on marketing agency scoring. By generating a promissory note table with marketing agency information, the monitoring indicator data of the marketing agency is obtained according to the promissory note table and the credit score of the marketing agency is calculated, and then the customer quality assessment result is determined according to the customer information and the credit score of the marketing agency. The group characteristics displayed by the marketing agency can be used to accurately quantify the historical and recent customer composition and loan performance of the marketing agency, and directly integrate them into the loan approval and pricing process, which not only enhances the targeted nature of the approval, but also greatly improves the accuracy and rationality of the approval, thereby significantly shortening the approval cycle and improving overall work efficiency. At the same time, it simplifies the loan approval process, reduces the subjectivity and uncertainty of human judgment, and significantly improves the approval efficiency and risk prevention and control capabilities.

[0082] In a further embodiment, the method for determining customer quality implemented by the processor executing the computer instructions further includes: dynamically adjusting customer resource allocation according to the credit score and customer quality assessment results. Optionally, dynamically adjusting customer credit scores, credit limits, and credit interest rates, etc. according to the marketing agency's comprehensive score of the customer, to achieve personalized and differentiated approval strategies. For example, customers with high marketing agency scores have a higher approval priority, a wider credit limit range, and / or more favorable interest rate conditions.

[0083] By automatically updating the scores of each marketing agency in real time according to data changes, the approval strategy can be automatically adjusted for marketing agencies with declining performance, such as reducing loan amounts, raising interest rate thresholds, and automatically rejecting loan applications recommended by the marketing agency in extreme cases. This fine-grained risk management mechanism ensures the safety and stability of bank credit assets.

[0084] [Example 2]

[0085] Figure 2 4 is a schematic diagram of the architecture of a system for determining customer quality based on marketing organization scoring according to Example 2 of the present invention.

[0086] like Figure 2 As shown, the system for determining customer quality includes: a business data acquisition module 210, a loan note table generation module 220, an institution score calculation module 230, a customer quality assessment module 240, and a resource adjustment module 250.

[0087] The business data acquisition module 210 is used to acquire business data with marketing agency information through the accounting system. Optionally, the marketing agency includes but is not limited to one or more of the following: offline cooperative decoration, beauty, electrical appliances, 4S stores and other merchants, online promotion cooperation agencies, etc.

[0088] The IOU table generation module 220 is used to enable the accounting system to generate an IOU table according to the business data having the marketing organization information.

[0089] The institution score calculation module 230 is used to perform the following operations: obtain the monitoring indicator data of each marketing institution according to the loan note table, and perform standardization processing on the monitoring indicator data to obtain standardized indicator data; calculate the indicator value proportion of each marketing institution in each monitoring indicator according to the standardized indicator data; calculate the information entropy of each monitoring indicator according to the indicator value proportion; calculate the credit score of each marketing institution according to the information entropy and the monitoring indicator data. Among them, the indicator weight of each monitoring indicator is calculated according to the information entropy of each monitoring indicator, and then the credit score of each marketing institution is calculated according to the indicator weight and the monitoring indicator data.

[0090] In this embodiment, the monitoring indicator data includes but is not limited to at least one or more of the following: customer credit score, delinquency rate, average loan amount, average interest rate, number of marketing loans. By extracting key information of marketing customers under the marketing organization in multiple dimensions, accurate labeling of the marketing organization, efficient extraction of key values ​​and in-depth analysis are achieved, thereby capturing the risk characteristics and business trends at the marketing organization level.

[0091] The customer quality assessment module 240 is used to determine a customer quality assessment result based on the customer information and the credit score.

[0092] The resource adjustment module 250 is used to dynamically adjust customer resource configuration according to the credit score and customer quality assessment results.

[0093] The system for determining customer quality based on marketing agency scoring according to Example 2 of the present invention generates a promissory note table with marketing agency information, obtains monitoring indicator data of the marketing agency based on the promissory note table and calculates the credit score of the marketing agency, and then determines the customer quality assessment result based on the customer information and the credit score of the marketing agency. It can use the group characteristics displayed by the marketing agency to accurately quantify customer information, determine customer quality more accurately and quickly, and thus enhance the targeted nature of the approval, and improve the accuracy and rationality of the approval, thereby significantly shortening the approval cycle and improving overall work efficiency.

[0094] Through the description of the above implementation modes, those skilled in the art can clearly understand that the present invention can be implemented by combining software with a hardware platform. Based on such an understanding, all or part of the contribution of the technical solution of the present invention to the background technology can be embodied in the form of a software product, which can be stored in a storage medium such as ROM / RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in various implementation modes of the present invention or some parts of the implementation modes.

[0095] Correspondingly, an embodiment of the present invention further provides a computer-readable storage medium on which computer-readable instructions or programs are stored. When the computer-readable instructions or programs are executed by a processor, the computer performs the following operations: the operations include the steps included in the method for determining customer quality based on marketing agency scores as described in any of the above embodiments, which will not be repeated here. The storage medium may include, for example, a CD, a hard disk, a floppy disk, a flash memory, a magnetic tape, etc.

[0096] In addition, an embodiment of the present invention further provides a computer program product including a computer program, wherein the computer program includes a program code for executing the method for determining customer quality based on marketing agency scoring shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the method for determining customer quality based on marketing agency scoring provided in the embodiment of the present disclosure.

[0097] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0098] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit them; although the present invention is described in detail with reference to the above embodiments, a person skilled in the art should understand that the technical solutions described in the above embodiments can still be modified, or some of the technical features can be replaced by equivalents; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the various embodiments of the present invention. Therefore, the protection scope of the present invention shall be subject to the claims.

Claims

1. A computer device for determining customer quality based on marketing agency scores, comprising a memory and a processor, wherein the memory is used to store computer instructions, characterized in that: The processor executes the computer instructions to implement the following operations: Obtain business data with marketing agency information; Generate a loan note table according to the business data; Acquire monitoring indicator data of each marketing organization according to the loan note table, and perform standardization processing on the monitoring indicator data to obtain standardized indicator data; Calculate the proportion of the indicator value of each marketing organization in each monitoring indicator according to the standardized indicator data; Calculate the information entropy of each monitoring indicator according to the proportion of the indicator value; Calculating a credit score for each marketing agency based on the information entropy and monitoring indicator data; A customer quality assessment result is determined based on the customer information and the credit score.

2. The computer device according to claim 1, wherein: The monitoring index data of each marketing agency is obtained from the loan note table based on a preset period, and the credit score of each marketing agency is automatically calculated based on the monitoring index data.

3. The computer device according to claim 1, wherein: The processor executing the computer instructions may also implement the following operations: dynamically adjusting customer resource configuration according to the credit score and customer quality assessment results.

4. The computer device according to claim 1, wherein: The monitoring indicator data include: customer credit score, overdue rate, average loan amount, average interest rate, and number of marketing loans.

5. A system for determining customer quality based on marketing agency scoring, characterized in that: The system for determining customer quality comprises: A business data acquisition module is used to acquire business data with marketing organization information through the accounting system; A loan note table generating module, used to enable the accounting system to generate a loan note table according to the business data having the marketing organization information; The institution rating calculation module is used to perform the following operations: Acquire monitoring indicator data of each marketing organization according to the loan note table, and perform standardization processing on the monitoring indicator data to obtain standardized indicator data; Calculate the proportion of the indicator value of each marketing organization in each monitoring indicator according to the standardized indicator data; Calculate the information entropy of each monitoring indicator according to the proportion of the indicator value; Calculating a credit score for each marketing agency based on the information entropy and monitoring indicator data; The customer quality assessment module is used to determine the customer quality assessment result based on the customer information and the credit score.

6. The system for determining customer quality according to claim 5, characterized in that The institution score calculation module obtains the monitoring index data of each marketing institution from the loan note table based on a preset period, and automatically calculates the credit score of each marketing institution according to the monitoring index data.

7. The system for determining customer quality according to claim 5, characterized in that The customer quality assessment system also includes a resource adjustment module, which is used to dynamically adjust customer resource configuration according to the credit score and customer quality assessment results.

8. The system for determining customer quality according to claim 5, characterized in that The monitoring indicator data include: customer credit score, overdue rate, average loan amount, average interest rate, and number of marketing loans.

9. A computer-readable storage medium storing computer-readable instructions, characterized in that: The computer readable instructions are executed by the processor to implement the following operations: Obtain business data with marketing agency information; Generate a loan note table according to the business data; Acquire monitoring indicator data of each marketing organization according to the loan note table, and perform standardization processing on the monitoring indicator data to obtain standardized indicator data; Calculate the proportion of the indicator value of each marketing organization in each monitoring indicator according to the standardized indicator data; Calculate the information entropy of each monitoring indicator according to the proportion of the indicator value; Calculating a credit score for each marketing agency based on the information entropy and monitoring indicator data; A customer quality assessment result is determined based on the customer information and the credit score.

10. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the following operations are implemented: Obtain business data with marketing agency information; Generate a loan note table according to the business data; Acquire monitoring indicator data of each marketing organization according to the loan note table, and perform standardization processing on the monitoring indicator data to obtain standardized indicator data; Calculate the proportion of the indicator value of each marketing organization in each monitoring indicator according to the standardized indicator data; Calculate the information entropy of each monitoring indicator according to the proportion of the indicator value; Calculating a credit score for each marketing agency based on the information entropy and monitoring indicator data; A customer quality assessment result is determined based on the customer information and the credit score.

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