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Credit data processing method and device, storage medium and electronic device

A processing method, credit technology, applied in the computer field to achieve the effect of improving the forecasting effect

Inactive Publication Date: 2019-10-22
BEIJING MININGLAMP SOFTWARE SYST CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Embodiments of the present invention provide a credit data processing method and device, a storage medium, and an electronic device, so as to at least solve the problem of loan repayment estimation and evaluation based on the experience and benchmark values ​​of operation managers in credit platforms in related technologies. asset management issues

Method used

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  • Credit data processing method and device, storage medium and electronic device
  • Credit data processing method and device, storage medium and electronic device
  • Credit data processing method and device, storage medium and electronic device

Examples

Experimental program
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Embodiment 1

[0028] The method embodiment provided in Embodiment 1 of the present application may be executed in a terminal, a computer terminal, or a similar computing device. Take running on the terminal as an example, figure 1 It is a hardware structural block diagram of a terminal of a credit data processing method according to an embodiment of the present invention. Such as figure 1 As shown, the terminal 10 may include one or more ( figure 1 Only one is shown in ) processor 102 (processor 102 may include but not limited to processing devices such as microprocessor MCU or programmable logic device FPGA) and memory 104 for storing data. Optionally, the above-mentioned terminal can also be A transmission device 106 for communication functions and an input and output device 108 are included. Those of ordinary skill in the art can understand that, figure 1 The shown structure is only for illustration, and does not limit the structure of the above-mentioned terminal. For example, term...

Embodiment 2

[0051] In this embodiment, a credit data processing device is also provided, which is used to implement the above embodiments and preferred implementation modes, and what has been explained will not be repeated here. As used below, the term "module" may be a combination of software and / or hardware that realizes a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementations in hardware, or a combination of software and hardware are also possible and contemplated.

[0052] image 3 It is a structural block diagram of a credit data processing device according to an embodiment of the present invention, such as image 3 As shown, the device includes: a first acquisition module 32 for acquiring information related to credit repayment, wherein the information related to credit repayment includes: asset scale of the platform, weighted relationship of neural network model, historical loan repayment Loan st...

Embodiment 3

[0059] An embodiment of the present invention also provides a storage medium, in which a computer program is stored, wherein the computer program is set to execute the steps in any one of the above method embodiments when running.

[0060] Optionally, in this embodiment, the above-mentioned storage medium may be configured to store a computer program for performing the following steps:

[0061] S1. Obtain information related to credit repayment. The information related to credit repayment includes: asset size of the platform, weighted relationship of neural network model, historical loan repayment statistics, industry loan repayment history, future designation period;

[0062] S2, inputting information related to credit repayment into the neural network model;

[0063] S3. Obtain a first output result of the neural network model, where the first output result is used to indicate the loan repayment situation of the platform within a specified time period in the future.

[006...

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Abstract

The invention provides a credit data processing method, a credit data processing device, a storage medium and an electronic device. The method comprises the steps of acquiring the information relatedto credit repayment, wherein the information related to credit repayment comprises the asset scale of a platform, the weighting relation of a neural network model, historical loan repayment statistical information, industry loan repayment historical conditions and a future specified time period; inputting the information related to the credit repayment into the neural network model; and obtaininga first output result of the neural network model, the first output result being used for indicating a loan repayment condition of the platform in the future specified time period. According to the invention, the problems of loan return amount estimation and asset flow management based on experience and benchmark values of operation management personnel in a credit platform in the prior art are solved.

Description

technical field [0001] The invention relates to the field of computers, in particular to a credit data processing method and device, a storage medium and an electronic device. Background technique [0002] With the development of society and economy, loans have become a frequently used service in people's lives. The asset scale and amount of loan platforms continue to grow, and the flow of customers increases rapidly. The possible risks in the financial industry will also show a trend of complexity and diversification. It is difficult for operation and management personnel to make good use of information technology to make detailed analysis of loan repayment situation, and it is becoming more and more difficult to manage the flow of funds based on operating experience. Therefore, operations managers need to carry out more refined operations. [0003] The operation and management personnel of traditional personal credit platform will estimate the loan repayment amount and ma...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06F16/2458
CPCG06F16/2477G06Q40/03
Inventor 王灿辉张鹏飞罗鹏宇庞冰冰赵青柏贾文玉
Owner BEIJING MININGLAMP SOFTWARE SYST CO LTD
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