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Data evaluation method and device

A technology of data and data level, applied in the field of Internet technology application, can solve the problem of low data estimation accuracy, and achieve the effect of improving data estimation accuracy

Inactive Publication Date: 2017-07-21
北京互金新融科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The embodiment of the present invention provides a method and device for data evaluation, so as to at least solve the technical problem of low accuracy of data estimation due to the defects in related technologies that the user's loan amount is estimated based on experience and subjective judgment of experts.

Method used

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Experimental program
Comparison scheme
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Embodiment 1

[0026] According to an embodiment of the present invention, an embodiment of a data evaluation method is provided. It should be noted that the steps shown in the flowcharts of the drawings can be executed in a computer system such as a set of computer-executable instructions, and, although A logical order is shown in the flowcharts, but in some cases the steps shown or described may be performed in an order different from that shown or described herein.

[0027] figure 1 is a schematic flow diagram of a data evaluation method according to an embodiment of the present invention, such as figure 1 As shown, the method includes the following steps:

[0028] Step S102, receiving the data level evaluation request of the target object;

[0029] Step S104, perform risk assessment on the data level assessment request according to the pre-stored data level model, and obtain the risk probability and default loss rate corresponding to the target object;

[0030] Step S106, evaluate acc...

Embodiment 2

[0066] figure 2 is a schematic structural diagram of a device for data evaluation according to an embodiment of the present invention, such as figure 2 As shown, the device includes:

[0067] The receiving module 21 is used to receive the data level assessment request of the target object; the first assessment module 22 is used to perform risk assessment on the data level assessment request according to the pre-stored data level model, and obtain the risk probability and default loss rate corresponding to the target object; The second evaluation module 23 is configured to perform evaluation according to the risk probability and the default loss rate, and obtain the data level corresponding to the target object.

[0068] In the embodiment of the present invention, by receiving the data level assessment request of the target object; performing risk assessment on the data level assessment request according to the pre-stored data level model, the corresponding risk probability ...

Embodiment 3

[0074] According to still another aspect of the embodiments of the present invention, there is also provided a storage medium, including: the storage medium includes a stored program, wherein when the program is running, the device where the storage medium is located is controlled to execute the above data evaluation method.

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Abstract

The invention discloses a data evaluation method and device. The method comprises steps that a data grade evaluation request of a target object is received; risk evaluation for the data grade evaluation request is carried out according to a pre-stored data grade model to acquire risk probability and a default generation loss rate corresponding to the target object; evaluation is carried out according to the risk probability and the default generation loss rate to acquire a data grade corresponding to the target object. The method is advantaged in that a technical problem of low data estimation precision caused by defects of user loan quota estimation based on experience and subjective expert determination in the prior art is solved.

Description

technical field [0001] The present invention relates to the field of Internet technology application, in particular, to a data evaluation method and device. Background technique [0002] With the rapid development of the Internet finance industry, consumer finance is no longer a unique business of traditional finance. More and more e-commerce platforms have obtained consumer finance licenses and are qualified to provide consumers with consumer loan lines. [0003] When traditional banks or third-party financial institutions (hereinafter referred to as funders) provide loan services, they usually use the user's bank transaction records and credit card records as the main user data to evaluate the credit status of the loan user and use this to evaluate the user's credit status. loan amount. However, due to the very limited number of users covered by the funder’s own transaction records and credit card records, the information dimension of the information that users are requir...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/0635G06Q40/03
Inventor 王霖
Owner 北京互金新融科技有限公司
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