The invention relates to the technical field of
artificial intelligence, and provides a credit default prediction method and
system based on a
knowledge graph and extreme gradient lifting, and the method comprises the steps: S1 to S4, cleaning standardized credit data to obtain a first
data set, carrying out the entity recognition and relation extraction, constructing a
semantic data model with a loan user as a node and a side table relation, and carrying out the calculation of the
semantic data model; and forming a first credit mapping knowledge domain, and removing high-similarity entities. A negative triple is generated by replacing same-cluster entities to construct a negative example
knowledge graph, and after splicing, a second credit
knowledge graph is vectorized to obtain a data relation
feature set. And predicting the default probability based on a model constructed by XGBoost and a data relation feature
algorithm. The
system can integrate multi-source credit data, supplement traditional features and improve prediction performance. Secondary filtering similarity negative sampling optimizes negative sampling, so that the embedding effect and the feature accuracy of the knowledge graph are improved; the new prediction framework integrates the knowledge graph and
machine learning, can be popularized to different scenes, and has openness and expandability.