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Merchant credit evaluation method and device, storage medium and electronic equipment

A technology for credit evaluation and merchants, applied in the field of data processing, which can solve the problems of low accuracy of evaluation results

Inactive Publication Date: 2019-10-25
BEIJING SANKUAI ONLINE TECH CO LTD
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0007] The purpose of the present disclosure is to provide a merchant credit evaluation method, a merchant credit evaluation device, a computer-readable storage medium, and an electronic device, thereby at least to a certain extent overcoming the low accuracy of evaluation results caused by limitations and defects of related technologies The problem

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  • Merchant credit evaluation method and device, storage medium and electronic equipment
  • Merchant credit evaluation method and device, storage medium and electronic equipment
  • Merchant credit evaluation method and device, storage medium and electronic equipment

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Embodiment Construction

[0048] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or more of the specific details being omitted, or other methods, components, devices, steps, etc. may be adopted. In other instances, well-known technical solution...

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Abstract

The invention relates to a commercial tenant credit evaluation method and device, and belongs to the technical field of data processing, and the method comprises the steps: obtaining a plurality of evaluation indexes of a to-be-evaluated commercial tenant, and configuring a plurality of in-mold indexes for a first evaluation model and a second evaluation model according to the evaluation indexes;configuring a first index weight of the in-mold index in the first evaluation model, and calculating a first credit score according to the score of the in-mold index and the first index weight; configuring a second index weight of the in-mold index in the second evaluation model, and calculating a second credit score according to the score of the in-mold index and the second index weight; configuring a first score weight and a second score weight for the first credit score and the second credit score, and calculating the credit score of the to-be-evaluated merchant according to the first credit score, the first score weight, the second credit score and the second credit weight. According to the method, the accuracy of the evaluation result is improved, and the risk rate is reduced.

Description

technical field [0001] The present disclosure relates to the technical field of data processing, and in particular, to a merchant credit evaluation method, a merchant credit evaluation device, a computer-readable storage medium, and electronic equipment. Background technique [0002] With the rapid development of Internet technology in recent years, consumer finance based on the Internet has also shown explosive growth with the help of financial technology. However, the explosive growth under the new business model inevitably introduces huge risks. Therefore, how to control risks has become the core competitiveness of financial business. [0003] In the existing credit scoring of merchants, a logistic regression model is used for scoring; specifically, it may include: predicting future credit (default) based on various historical data of lenders. Therefore, in order to achieve better prediction results, the training of the model requires a large amount of defaulted loan da...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q30/06
CPCG06Q10/06393G06Q30/0609
Inventor 刘闽锡张玲妹张方力韦淼
Owner BEIJING SANKUAI ONLINE TECH CO LTD
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