Credit rating method and device, computer readable storage medium and terminal

A computer and credit rating technology, applied in the field of data processing, can solve the problems of financial institutions such as losses, high communication costs, and reduced approval efficiency, and achieve the effects of reducing costs and bad debt rates, improving accuracy and efficiency, and high accuracy

Inactive Publication Date: 2019-10-11
上海麦子资产管理集团有限公司
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Problems solved by technology

Therefore, it usually takes at least one year to retrain the rating model; even if there is new data to retrain after one year, it will take 2-3 months for specialized personnel, and the cost of online testing and communication during the period is also high. Very high, the development cycle of the rating model is long
In the case of rapid changes in customer groups, products, and policy environments, the update speed of the rating model cannot keep up, resulting in reduced approval efficiency and losses to financial institutions

Method used

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  • Credit rating method and device, computer readable storage medium and terminal
  • Credit rating method and device, computer readable storage medium and terminal

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Embodiment Construction

[0026] As mentioned in the background technology, the rating model in the prior art has relatively high requirements for sample data when it is generated, for example, it must have credit data that is overdue for 60 or 90 days Data, such as more than 3000 data records. Therefore, it usually takes at least one year to retrain the rating model; even if there is new data to retrain after one year, it will take 2-3 months for specialized personnel, and the cost of online testing and communication during the period is also high. Very high, the development cycle of the rating model is long. In the case of rapid changes in customer groups, products, and policy environments, the update speed of the rating model cannot keep up, resulting in reduced approval efficiency and losses to financial institutions.

[0027] The technical solution of the present invention comprehensively considers the original grade and the new grade obtained by the original rating model and the new rating model...

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Abstract

The invention discloses a credit rating method and device, a computer readable storage medium and a terminal. The credit rating method comprises the steps of obtaining to-be-rated data; carrying out credit rating on the to-be-rated data by utilizing an original rating model and a new rating model respectively to obtain an original grade and a new grade, the new rating model being obtained by training the original rating model by utilizing training data, and the training data being obtained according to a preset time interval; and determining a final credit rating of the to-be-rated data according to the original rating and the new rating. Through the technical scheme of the invention, the credit rating efficiency can be improved.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a credit rating method and device, a computer-readable storage medium, and a terminal. Background technique [0002] The core of the current personal credit approval system in the financial industry is to calculate the credit rating of each borrower, such as grades A, B, C, D, and E; among them, grade A has the lowest risk, grade B has the second highest risk, and grade E has the highest risk Wait. Each level corresponds to a different credit limit, different pricing, and even different review materials. Low-risk grades generally have high quotas, low pricing, and few review materials. [0003] In the existing technology, individuals usually submit loan applications by filling out forms on the mobile terminal or at financial institutions. The financial institutions will query the borrower's credit history and big data information, calculate the credit score acco...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 李晓忠
Owner 上海麦子资产管理集团有限公司
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