Electronic device, method for determining collector based on classification model, and storage medium

Abstract

The invention relates to big data analysis, and provides a method for determining a collector based on a classification model, and a storage medium. The method includes: after receiving a collection request of a general preference case, obtaining user identity identification information corresponding to the HP case; obtaining overdue information, collection information and account information of the user within a predefined time period according to the user identity identification information; The overdue information and collection information obtained are statistically analyzed to obtain theoverdue characteristic data of the user. According to the user overdue risk classification model trained in advance, the statistical overdue characteristic data are analyzed to obtain the overdue riskcategory of the user. According to the mapping relationship between the pre-determined collector and the overdue risk category, the collector corresponding to the generalized preference case is determined, and the generalized preference case is assigned to the determined collector for collection. The method can improve the collection business of the collectors of inclusive loan cases, which is conducive to the healthy development of the inclusive loan industry. In addition, the invention also provides an electronic device and a storage medium.

Description

technical field [0001] The invention relates to the field of inclusive loan collection, in particular to an electronic device, a method for determining a debt collector based on a classification model, and a storage medium. Background technique [0002] At present, domestic consumer finance is booming, and at the same time, the number of overdue loan cases is also increasing. For overdue cases, it is usually necessary to assign the case to professional collection personnel for collection, and the commonly used method of case allocation is mainly to divide the cases equally according to the number of cases or the amount of the case, without analyzing the reasons for the overdue cases and the users corresponding to the overdue cases. As a result, it is impossible to understand the collection risk category of overdue users, and there is a certain degree of blindness in the process of assigning corresponding collection personnel. Therefore, the current case allocation method is...

AI Technical Summary

Problems solved by technology

For overdue cases, it is usually necessary to assign the case to professional collection personnel for collection, and the commonly used method of case allocation is mainly to divide the cases equally according to the number of cases or the amount of the case, without analyzing the reasons for the overdue cases and the users corresponding to the overdue cases. As a result, it is impossible to understand the collection risk category of overdue users, and there is a certain degree of blindness in the process of assigning corresponding collection personnel

Therefore, the current case allocation method is not conducive to the improvement of the professional level of collectors and affects the development of the loan industry.

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