Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

An internet financial user loan overdue prediction method based on big data

A forecasting method and Internet technology, applied in data processing applications, finance, forecasting, etc., can solve problems such as low efficiency, inability to carry out risk classification management, and affecting the ability and flexibility of risk control

Active Publication Date: 2019-01-22
上海孚厘科技有限公司
View PDF11 Cites 24 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] At present, the risk prediction of defaulting users in China adopts the form of manual approval operation, which is inefficient and faces a great risk of default. It is impossible to carry out risk classification management, which affects the ability and flexibility of risk control.

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • An internet financial user loan overdue prediction method based on big data
  • An internet financial user loan overdue prediction method based on big data
  • An internet financial user loan overdue prediction method based on big data

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0047] The technical solutions in the embodiments of the present invention will be described clearly and in detail below with reference to the drawings in the embodiments of the present invention. The described embodiments are only some of the embodiments of the invention.

[0048] The technical scheme that the present invention solves the problems of the technologies described above is:

[0049] The technical scheme that the present invention solves the problems of the technologies described above is: figure 1 As shown, a method for predicting overdue loans of Internet financial users based on big data includes the following steps:

[0050] 101. Data preprocessing operations, performing data preprocessing operations based on user behavior, user basic information, and credit score data;

[0051] 102. Divide the data according to the seven-fold cross-validation method;

[0052] 103. Expand the training set according to the generation model of the confrontation network;

[0...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention requests to protect an Internet financial user loan overdue prediction method based on big data, which comprises the following steps: 101 preprocessing data according to user behavior, user basic information and credit scoring data preprocessing operations; 102 dividing the data according to a 70-fold cross-validation method; 103 extending the training set according to the countermeasure network; 104 carrying out feature engineering construction operation according to user behavior, user basic information and credit scoring data; 105, establishing four machine learn models, and carrying out that linear regression model fusion operation; 106 predicting whether that user is in breach of contract according to the manual threshold rule set according to the basic information of the user by the established model base. The invention utilizes big data to realize the transformation of the Internet financial risk organization from the traditional 'after-action interception' means to 'pre-identification' to identify high-default users.

Description

technical field [0001] The invention belongs to the technical fields of machine learning, big data processing, deep learning, and artificial intelligence, in particular, a data division method, data expansion, feature construction, model design, artificial rules, etc. of Internet financial user loan overdue prediction data. Background technique [0002] With the rapid development of the Internet, as more and more real economies carry out "Internet +" and the vigorous development of the original Internet industry, a large amount of funds and businesses are realized on the basis of the Internet, and the technology to ensure the flow of these funds and businesses is also As it matures day by day, lending, which is one of the normal financial needs, naturally appears in the network economy. Difficulties of traditional banks: The traditional banking system has been unable to fully solve the needs and difficulties of residents in the field of lending. In 2015, the transaction scal...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q40/02
CPCG06Q10/04G06Q40/03
Inventor 王进赵金阳许景益欧阳卫华孙开伟邓欣陈乔松李林洁
Owner 上海孚厘科技有限公司
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com