Electric power credit evaluation method based on big data

A credit evaluation and big data technology, which is applied in data processing applications, sales/lease transactions, instruments, etc., and can solve problems such as the inability to meet the value of data mining by power companies

Active Publication Date: 2021-07-09
STATE GRID ZHEJIANG ELECTRIC POWER +2
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Problems solved by technology

[0002] A scientific and reasonable customer credit evaluation system with a complete range of categories is an important prerequisite for realizing the derived value of power companies. The existing credit evaluation system cannot meet the requirements of power companies to mine the value of data, and assumes the responsibility of the customer credit rating system to realize the derived value of the enterprise

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  • Electric power credit evaluation method based on big data
  • Electric power credit evaluation method based on big data
  • Electric power credit evaluation method based on big data

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Embodiment Construction

[0049] The technical solution of the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0050] Such as figure 1 Shown, the present invention comprises the following steps

[0051] 1. Data preparation

[0052] 1 data acquisition

[0053] According to the previous business understanding and business research results, theoretically search for variables related to customer credit, and extract related variable data of the credit evaluation model from the marketing system of the power company and the third-party credit system, mainly including: basic attributes: user number, user classification, Account opening date, account name, address, contact number, certificate information, etc.; payment behavior: electricity fee issue date, actual receipt date, receivable electricity fee, actual electricity fee, actual receipt date, payment method, etc.; electricity usage behavior: breach of contract Electricity history records, ill...

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Abstract

The electric power credit evaluation method based on big data relates to an evaluation method. At present, the existing credit evaluation system based only on traditional quantitative analysis methods cannot meet the requirements of power companies to mine data value, undertake the responsibility of customer credit rating system, and realize the derived value of enterprises. The invention includes a data preparation step, an index system construction step, a model construction step, a model verification step, and a model output step. This technical solution systematically cleans and analyzes a large amount of historical data such as customer basic information, payment behavior, electricity consumption behavior, and social credit information, and uses mathematical statistics methods and a BP neural network model improved through genetic algorithms to mine data contained in it. Behavioral patterns and credit characteristics, capture the relationship between historical information and credit performance, comprehensively evaluate credit performance with credit ratings, promote classified credit management of power customers, and support research on differentiated default collection measures to form a diversified collection strategy .

Description

technical field [0001] The invention relates to an evaluation method, in particular to an electric power credit evaluation method based on big data. Background technique [0002] A scientific and reasonable customer credit evaluation system with a complete range of categories is an important prerequisite for realizing the derived value of power companies. The existing credit evaluation system cannot meet the requirements of power companies to mine the value of data, and undertakes the responsibility of the customer credit rating system to realize the derived value of the enterprise. [0003] In the face of changes in credit evaluation methods, the establishment of a customer credit evaluation system centered on big data mining, combined with traditional quantitative analysis methods, multivariate statistical methods and machine learning evaluation systems, is the foundation for the credit evaluation industry to adapt to high-tech warfare Assure. Therefore, establishing a n...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q50/06G06Q30/06
CPCG06Q30/0609G06Q50/06
Inventor 黄宇腾涂莹陈建王红凯裘炜浩孔旭锋王庆娟牟黎方舟程清陈逍潇季超吴恺源张海斌芦明德
Owner STATE GRID ZHEJIANG ELECTRIC POWER
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