Credit assessment method, device and equipment and computer readable storage medium

Abstract

The invention discloses a credit assessment method. The method comprises the steps that the historical credit data are acquired and an AI risk control engine is constructed according to the historicalcredit data; when a loan request is received, the user pre-loan data of the borrowing user corresponding to the loan request are acquired and the user pre-loan data are inputted to a preset expert engine and the AI risk control engine to perform credit assessment; and the expert assessment result of the preset expert engine and the AI assessment result of the AI risk control engine are acquired and the corresponding decision and suggestion are generated based on the expert assessment result and the AI assessment result. The invention also discloses a credit assessment device and equipment anda computer readable storage medium. The credit decision and suggestion are acquired by using the double-engine assessment mode so that the adverse influence of the limitation of human thinking on engine construction and the credit assessment process can be greatly reduced, the assessment capability of the risk control model can be enhanced and the rate of bad loans can be effectively reduced.

Description

technical field [0001] The present invention relates to the field of financial credit, in particular to a credit evaluation method, device, equipment and computer-readable storage medium. Background technique [0002] The traditional credit approval method is that the staff of the financial institution manually review the loan request of the borrower. During the review process, the staff needs to check a large amount of data information of the borrower to judge the risk of the loan transaction. For example, the borrower borrows How much is the loan, whether it can be repaid within the loan cycle, etc. With the development of science and technology, financial institutions have begun to use computer risk control systems to evaluate credit requests. The risk control model is an important part of the entire risk control system, which is mainly used to identify, analyze and evaluate user data. to draw conclusions about the assessment. [0003] The current risk control model mai...

AI Technical Summary

Problems solved by technology

However, human experience is not necessarily correct. Human experience is easily affected by subjective factors, which affects the accuracy of risk control model evaluation, making it impossible for the risk control model to give a reasonable loan plan, and even difficult to identify conscious fraud. Thereby increasing the bad debt ratio of the loan

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