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Arrearage risk identification method based on customer payment information and credit investigation information

A customer information and risk identification technology, applied in the field of customer service, can solve the problems of customer arrears risk assessment and classification, inaccurate identification of customer arrears risk, etc.

Pending Publication Date: 2020-05-26
国家电网有限公司客户服务中心 +2
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Problems solved by technology

[0004] The technical problem to be solved by the present invention is to provide a method for identifying arrears risk based on customer payment information and credit information, which solves the inaccurate identification of customer arrears risk and the inability to evaluate the risk of customer arrears in the prior art and grading issues

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  • Arrearage risk identification method based on customer payment information and credit investigation information
  • Arrearage risk identification method based on customer payment information and credit investigation information
  • Arrearage risk identification method based on customer payment information and credit investigation information

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Embodiment Construction

[0053] The principles and features of the present invention are described below in conjunction with the accompanying drawings, and the examples given are only used to explain the present invention, and are not intended to limit the scope of the present invention. It should be noted that, in the case of no conflict, the embodiments of the present application and the features in the embodiments can be combined with each other.

[0054] The invention provides a model combining arrears prediction and customer arrears risk level subdivision. Firstly, a mathematical model is established by using the historical payment data of individual customers, combined with work order data such as customer complaints and suggestions, and calculating the time before the customer purchases electricity and Predict the amount; then explore customer attributes and behavior habits, use mathematical models to subdivide target user groups, and study the payment status and arrears possibility of each grou...

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Abstract

The invention relates to an arrearage risk identification method based on customer payment information and credit investigation information. The arrearage risk identification method comprises the steps of collecting original data, collecting a target field from the original data based on a preset index, and generating an arrearage risk evaluation model based on the target field. Compared with theprior art, the customer arrearage risk identification method has the advantages that a big data technology and a data mining algorithm model are used, the related conditions of customer payment information are truly and timely known through mass data, the arrearage risk of a customer can be timely identified through characteristic analysis, and the national resource loss is reduced.

Description

technical field [0001] The invention relates to the technical field of customer service, in particular to a method for identifying arrears risks based on customer payment information and credit information. Background technique [0002] In the existing technology, the research on charging in the electric power industry mainly focuses on the improvement and optimization of customer arrears risk identification. Through this kind of research, the occurrence of customer arrears can be well avoided, which helps to reduce the national power resources. waste. At present, customers' internal payment information and external credit information are showing a diversified and multi-dimensional development trend. Through these distinct characteristics and certain technical means, the risk identification of customer arrears can be further improved and optimized. [0003] In the past, the investigation and analysis of customer information mostly collected customer feedback in the form of ...

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Application Information

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IPC IPC(8): G06Q50/06G06Q10/06
CPCG06Q50/06G06Q10/0635
Inventor 王宗伟赵郭燚金鹏卜晓阳王飞杨菁刘鲲鹏宫立华张全欧阳红袁葆王海龙赵金利辛彦敏王洪飞
Owner 国家电网有限公司客户服务中心
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