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Credit evaluation method and device, storage medium and server

A credit evaluation and credit scoring technology, applied in instruments, data processing applications, finance, etc., can solve problems such as inaccurate loan amount, low efficiency of credit scoring, inaccurate credit scoring, etc., and achieve the effect of improving accuracy

Inactive Publication Date: 2020-08-25
小视科技(江苏)股份有限公司
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AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present application provides a credit assessment method, device, storage medium and server, which are used to solve the problem of inaccurate credit score resulting in inaccurate loan amount and low efficiency of credit score resulting in loan failure when artificially assessing a borrower's credit score. The problem of slow review of quota

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  • Credit evaluation method and device, storage medium and server
  • Credit evaluation method and device, storage medium and server
  • Credit evaluation method and device, storage medium and server

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Embodiment Construction

[0024] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the following will further describe the embodiments of the present application in detail in conjunction with the accompanying drawings.

[0025] The lending business in Internet finance can reasonably collect private capital and effectively alleviate the problem of private financing difficulties. However, the current lending business has the following problems: 1) The lending business lacks a guarantee mechanism for final repayment. If the borrower is unable to repay the loan, it is difficult to protect the interests of the borrower; 2) Fraudulent loans are more frequent. Analysis shows that the reason for the above problems is the inaccurate assessment of the user's loan amount (that is, the credit score), and the loan amount is determined according to the credit score, so the accuracy of the credit score needs to be improved.

[0026] In the related ...

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Abstract

The embodiment of the invention discloses a credit evaluation method and device, a storage medium and a server, and belongs to the technical field of financial risk control. The method comprises the steps of obtaining user data of a to-be-evaluated user; processing the user data through a pre-trained credit evaluation model to obtain a credit score of the user, the credit evaluation model being created based on a logistic regression algorithm, and the logistic regression algorithm being optimized based on a quantum particle swarm algorithm; and determining the credit degree of the user according to the credit score. According to the embodiment of the invention, the accuracy of credit scoring can be improved, so that the accuracy of the loan limit can be improved; the credit scoring efficiency can also be improved, so that the checking speed of the loan quota is improved; and the accuracy of the credit evaluation model can be improved.

Description

technical field [0001] The embodiments of the present application relate to the technical field of financial risk control, and in particular to a credit evaluation method, device, storage medium and server. Background technique [0002] Internet finance is a new financial business model in which traditional financial institutions and Internet companies use Internet technology and information communication technology to realize financial integration, payment, investment and information intermediary services. Internet finance has played a positive role in promoting the development of small and micro enterprises and expanding employment that cannot be replaced by existing financial institutions, and has opened the door for mass entrepreneurship and innovation. [0003] The lending business in Internet finance can reasonably collect private capital, and then provide small-amount loan business to individuals, micro and small enterprises, etc. In related technologies, financial i...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/06G06N3/00
CPCG06Q10/06393G06N3/006G06Q40/03
Inventor 杨帆尚应姜勖
Owner 小视科技(江苏)股份有限公司
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