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Multidimensional data-based method for evaluating credit rating of electricity customers

A technology of multi-dimensional data and credit rating, applied in the field of rating evaluation to achieve the effect of preventing and avoiding the risk of electricity bill recovery

Inactive Publication Date: 2018-09-28
GUANGDONG POWER GRID CO LTD +1
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Problems solved by technology

However, the lack of Internet financial products for power consumption has left the power industry with a blank page in financial products

Method used

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  • Multidimensional data-based method for evaluating credit rating of electricity customers

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no. 1 example

[0034] Such as figure 1 Shown is the first embodiment of the multi-dimensional data-based electricity customer credit rating evaluation method of the present invention, which includes the following steps:

[0035] S1. Establish a credit evaluation model based on the multi-dimensional data obtained from the survey, revise the credit evaluation model, and determine the corresponding relationship between credit evaluation scores and credit evaluation indicators;

[0036] Wherein, the credit evaluation score K according to the formula K=BA T Calculate, where, B is the user credit assessment index, B=(b 1 , b 2 ,... b n ), n is the number of indicators, A is the weight corresponding to each indicator, and T is the transposition of the entire weight matrix. The credit evaluation score of the user can be calculated by inputting the evaluation index data and the weights corresponding to each index. The model is simple, the calculation is simple, and the result reliability is high....

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Abstract

The invention relates to the technical field of interactive communication, and in particular to a multidimensional data-based method for evaluating the credit rating of electricity consumers. The method comprises the steps of establishing a model, calculating a credit evaluating score, delimiting the credit rating and matching a service strategy. According to the method disclosed by the invention,a credit evaluating model is established; the corresponding relationship between the credit evaluating score and a credit assessing index is determined; the credit evaluating score is calculated according to the input credit assessing index; the corresponding credit rating is delimited according to the evaluating score; different service principles and service strategies are adopted according tothe credit rating; and therefore, the risk of electricity charge recovery is effectively prevented and avoided while faithful behaviors of users are encouraged at the same time.

Description

technical field [0001] The present invention relates to the technical field of electricity consumption management of a power grid system, and more specifically, relates to a multi-dimensional data-based credit rating evaluation method for electricity customers. Background technique [0002] The current credit institutions in China mainly have two levels: the government and private intermediaries. At the government level, there are currently two main types: the Credit Information Center of the People's Bank of China and the local government credit information platform established by the National Development and Reform Commission. The People’s Bank of China’s credit reporting platform was established earlier and has a large amount of access data, but it is mainly for financial institutions and will serve as a subsystem of the government’s unified credit reporting system in the future. At present, major government departments, public security, law, taxation, tourism and other ...

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Application Information

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IPC IPC(8): G06Q10/06G06F17/30G06Q50/06
CPCG06Q10/06393G06Q50/06
Inventor 刘红燕周瑶陈灿程鹏祁俊威李德俊皮霄林张颖周婉华张永仪刘炜
Owner GUANGDONG POWER GRID CO LTD
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