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Post-loan management strategy generation method and device and electronic equipment

A management strategy and algorithm technology, applied in data processing applications, instruments, finance, etc., can solve the problems of occupying a large amount of human resources, affecting the collection of arrears, and increasing operating costs of financial service companies, so as to reduce the waste of human resources.

Pending Publication Date: 2020-05-29
北京淇瑀信息科技有限公司
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AI Technical Summary

Problems solved by technology

[0004] Since user arrears mainly need to be managed manually after the loan, it takes a lot of time for the managers to communicate and coordinate. Once the communication and coordination decrease, the recovery of the arrears will be affected. If a large amount of communication and coordination is carried out The current post-loan management method of user arrears requires a lot of human resources for processing, which adds a lot of operating costs to financial service companies

Method used

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  • Post-loan management strategy generation method and device and electronic equipment
  • Post-loan management strategy generation method and device and electronic equipment
  • Post-loan management strategy generation method and device and electronic equipment

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Embodiment Construction

[0041] 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 embodiments 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 same reference numerals denote the same or similar parts in the drawings, and thus their repeated descriptions will be omitted.

[0042] Furthermore, 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 mo...

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Abstract

The invention relates to a post-loan management strategy generation method and device, electronic equipment and a computer readable medium. The method comprises the following steps: obtaining financial data of a plurality of users, wherein the financial data comprises user loan data, user feature data and user basic data; screening a plurality of users based on the user loan number to extract at least one target user; inputting the financial data of the at least one target user into a user repayment model to generate at least one user repayment probability, the user repayment probability beingused for representing the probability of repayment of the user at a specific time; and determining a post-loan management strategy corresponding to the at least one target user based on the at leastone user repayment probability. According to the post-loan management strategy generation method and device, the electronic equipment and the computer readable medium, the repayment behavior of the user can be evaluated based on the current financial data of the user, so that the optimal post-loan management strategy is determined, and the human resource waste of financial service enterprises is reduced.

Description

technical field [0001] The present disclosure relates to the field of computer information processing, in particular, to a post-loan management strategy generation method, device, electronic equipment, and computer-readable medium. Background technique [0002] For companies that provide financial services, the biggest risk they face is that users fail to repay debts or bank loans in a timely and full amount due to various reasons. In the existing technology, after a user borrows from a financial service company, the financial company will track the user's repayment status, and within the first time threshold of the user's overdue repayment (the user is in the M2 stage), by evaluating the user's According to the repayment situation, various strategies are launched to urge users to make repayments. [0003] The repayment rate of users currently in arrears is about 12%-14% during the M2 period, and most users will overdue their arrears to a higher age. At present, users who ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 郑彦石婷唐小云方炆
Owner 北京淇瑀信息科技有限公司
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