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Method and device for generating credit granting strategy based on educational background prediction model and electronic equipment

A predictive model and education technology, applied in the computer field, can solve problems such as low risk management ability and inaccurate credit granting strategy, so as to improve accuracy and rationality, avoid inaccurate prediction of academic qualifications, and reduce risks of inaccurate risk assessment Effect

Pending Publication Date: 2020-05-26
SHANGHAI QIYUE INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It is used to solve the problems of inaccurate credit policy and low risk management ability in the existing technology

Method used

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  • Method and device for generating credit granting strategy based on educational background prediction model and electronic equipment
  • Method and device for generating credit granting strategy based on educational background prediction model and electronic equipment
  • Method and device for generating credit granting strategy based on educational background prediction model and electronic equipment

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Embodiment Construction

[0084] In this specification, specifically, by constructing an academic qualification prediction model, using the academic qualification prediction model to obtain the predicted academic qualifications of the target user, and based on the predicted academic qualifications of the target user, a credit policy for the target user is generated. By establishing an academic qualification prediction model to predict the user's academic qualifications, and then improve user characteristics, using the user's predicted academic qualifications to generate a credit policy can make the credit policy more accurate, thereby improving the level of risk management.

[0085] like figure 1 As shown, the embodiment of this specification provides a method for generating a credit policy based on an academic qualifications prediction model, and the method includes:

[0086] S101: Construct an academic qualification prediction model;

[0087] S102: Obtain the predicted academic qualifications of the...

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Abstract

The invention provides a method for generating a credit extension strategy based on an educational background prediction model, and the method comprises the steps: building the educational backgroundprediction model, obtaining the prediction educational background of a target user through the educational background prediction model, and generating the credit extension strategy of the target userbased on the prediction educational background of the target user. The user education background is predicted by establishing the education background prediction model, so that the user characteristics are perfected, the credit granting strategy is generated by utilizing the prediction education background of the user, the credit granting strategy can be more accurate, and the risk management level is further improved.

Description

technical field [0001] The present application relates to the field of computers, and in particular to a method, device and electronic equipment for generating a credit policy based on an academic qualifications prediction model. Background technique [0002] In today's financial industry, before financial platforms provide customers with credit services, they must first formulate credit policies that match customers. At the same time, the generation of credit policies is the key to risk control and revenue growth in the credit life cycle. In the method of the prior art, the credit granting strategy caused by inaccurate data is unreasonable, thereby affecting the accuracy of the risk assessment result and increasing the risk of credit granting. At the same time, due to insufficient customer characteristic data, the risk is out of control and the economic loss of the financial platform is caused. Contents of the invention [0003] The embodiments of this specification prov...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/04G06N20/00
CPCG06N20/00G06Q10/04G06Q40/03
Inventor 吴霜
Owner SHANGHAI QIYUE INFORMATION TECH CO LTD
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