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Personal social credit scoring method based on government administration data and application

A credit scoring and social technology, applied in data processing applications, instruments, finance, etc., can solve the problems of single information dimension of credit scoring model, failure to cover the whole population, and single information dimension

Inactive Publication Date: 2018-01-05
惠国征信服务股份有限公司
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AI Technical Summary

Problems solved by technology

[0005] However, the currently mainstream FICO credit scoring service has the following defects and cannot cover the entire population, especially vulnerable groups; the information dimension of the credit scoring model is relatively single, and many information dimensions appear in the context of government big data, such as administrative approval data, Life payment data, administrative punishment data, dishonesty execution data, etc., the role of traditional credit scoring models in government affairs has limitations
In addition, due to the fact that the traditional credit evaluation model based on FICO scores has narrow coverage of the population, single information dimension, and time lag

Method used

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  • Personal social credit scoring method based on government administration data and application
  • Personal social credit scoring method based on government administration data and application

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Embodiment Construction

[0016] In order to ensure the accuracy of personal credit score evaluation, the personal credit scoring model based on government affairs data and applications should pay attention to the scientific principles of the mathematical model. First, it is necessary to clarify the target group for prediction and define the quality of the sample group; secondly, regardless of the independent variable The amount of quantity should include important data items and adopt appropriate algorithms; finally, there must be a large enough sample. The difficulty of Logistic regression is that it is necessary to use maximum likelihood to estimate the weight of explanatory indicators, and use nonlinear optimization techniques to solve it. Therefore, we choose to use the method of linear regression and linear programming to model the personal credit status.

[0017] Through the processing and analysis of big data, the calculation formula of credit score is obtained as follows:

[0018] Score=107*I...

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Abstract

The invention discloses a personal social credit scoring method based on government affairs data and applications, which adopts linear regression and linear programming methods and uses government affairs big data as original parameters to model personal credit status and determine relevant data through subdivision models of various dimensions. The weight, the final personal social credit score. This improves the current state of the art that the user's credit evaluation method is biased towards personal financial data, and cannot fully quantify the current situation of evaluating personal social integrity.

Description

technical field [0001] The invention relates to a personal social credit scoring method. Background technique [0002] In June 2014, the State Council issued a notice on the issuance of the social credit system construction planning outline (2014-2020). The outline points out that the operating mechanism is the institutional basis for ensuring the coordinated operation of the various systems of the social credit system. Among them, the incentive for keeping promises directly affects the credit behavior of various social subjects, and is the core mechanism for the operation of the social credit system. [0003] At present, there are mainly US FICO scores for personal credit scoring models around the world: [0004] The FICO credit risk scoring model is a relatively mature risk measurement tool used by credit issuing institutions such as banks. As early as the 1940s, some banks in the United States began to tentatively research credit scoring methods to quickly process a la...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q40/02
Inventor 徐慧囝张雷初钰杰
Owner 惠国征信服务股份有限公司
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