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Credit scoring model generation method and device

A technology for credit scoring and generating devices, applied in database models, data processing applications, special data processing applications, etc., can solve problems such as result stability, poor accuracy, and unsatisfactory applicability of measurement methods, so as to improve stability and accuracy performance, solve the effect of unsatisfactory applicability

Inactive Publication Date: 2019-10-08
吉旗物联科技(上海)有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] The main purpose of this application is to provide a method and device for generating a credit scoring model to solve the problems of unsatisfactory applicability of measurement methods and poor stability and accuracy of results

Method used

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  • Credit scoring model generation method and device
  • Credit scoring model generation method and device
  • Credit scoring model generation method and device

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Embodiment Construction

[0028] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiment of the application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiment of the application. Obviously, the described embodiment is only It is an embodiment of a part of the application, but not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the scope of protection of this application.

[0029] It should be noted that the terms "first" and "second" in the description and claims of the present application and the above drawings are used to distinguish similar objects, but not necessarily used to describe a specific sequence or sequence. It should be understood that the data so used may be interchanged under appropriate circumstances for...

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Abstract

The invention discloses a credit scoring model generation method and device. The method comprises the steps of obtaining the target freight data of a user; processing the target freight data accordingto a preset processing rule to obtain an index combination; screening the index combination through a preset statistical model; and executing a preset operation on the index in the screening result to generate a credit scoring model. The device comprises an acquisition module, a processing module, a screening module and a generation module. According to the application, the technical problems that a metering method is not ideal in applicability, and the result is poor in stability and precision, are solved.

Description

technical field [0001] This application relates to the field of quantitative credit risk scoring, in particular, to a method and device for generating a credit scoring model. Background technique [0002] In a large number of studies on scoring methods for quantifying credit risk in academia and the financial industry, most of them start from the standpoint of large financial institutions such as commercial banks, and carry out research on large companies as credit customers. The current status of small and micro enterprises as the mainstream is significantly different. Many indicators that are widely used in scoring methods are divorced from the actual situation of the freight industry in terms of the conditions and content of data acquisition. [0003] For example, large companies can obtain external data from the securities market to develop credit scoring indicators or obtain high-quality financial data internally to form indicators, while small and micro enterprises in ...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F16/25G06F16/28G06F17/18G06Q10/06G06Q10/08
CPCG06F17/18G06Q10/06393G06Q10/08G06F16/254G06F16/285
Inventor 顾浙君
Owner 吉旗物联科技(上海)有限公司
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