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Customer credit classification method

A classification method and credit scoring technology, applied in data processing applications, instruments, finance, etc., can solve the problems of inaccurate credit classification and large jumps in credit scores, and achieve the effect of reducing sensitivity, accurate credit classification, and reasonable response.

Pending Publication Date: 2020-11-06
东方微银科技股份有限公司
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  • Abstract
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Problems solved by technology

[0003] In view of this, the purpose of one or more embodiments in this application is to propose a customer credit classification method to solve the problems in the prior art that the evaluation of customer credit scores jumps greatly and the credit classification is inaccurate

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Embodiment Construction

[0027] In order to make the purpose, technical solutions and advantages of the present disclosure clearer, the present disclosure will be further described in detail below in conjunction with specific embodiments and with reference to the accompanying drawings.

[0028] It should be noted that, unless otherwise defined, the technical terms or scientific terms used in one or more embodiments of the present application shall have common meanings understood by those skilled in the art to which the present disclosure belongs. "First", "second" and similar words used in one or more embodiments of the present application do not indicate any order, quantity or importance, but are only used to distinguish different components. "Comprising" or "comprising" and similar words mean that the elements or items appearing before the word include the elements or items listed after the word and their equivalents, without excluding other elements or items. Words such as "connected" or "connected...

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Abstract

One or more embodiments of the present application provide a customer credit classification method, comprising: obtaining a customer feature value t, the customer feature value t comprising, but not limited to, any one of the following indexes: customer age, unsettled liability of an enterprise, sales income of the enterprise in recent two years, enterprise registration capital, and number of times of violation of laws and adjustments of the enterprise; determining a plurality of grades corresponding to the client characteristic value t, and determining an evaluation index corresponding to each grade; obtaining a credit score corresponding to each grade based on the evaluation index; and obtaining a credit classification result of each customer based on the evaluation index and the creditscore. According to the invention, the credit scoring result of the client can be smoothly obtained, the influence of the grading threshold on the credit scoring result is reduced, and the sensitivityof the credit scoring result of the client to the grading threshold is reduced, so that the credit scoring result can reflect the credit condition of the client more smoothly and reasonably, and moreaccurate credit classification is obtained.

Description

technical field [0001] One or more embodiments in this application relate to the technical field of financial credit scoring, and in particular to a method for classifying customer credit. Background technique [0002] Credit scoring card is a common method used by credit rating agencies to conduct credit quantitative analysis on individual or institutional customers through credit scoring models. It provides an important reference for improving risk identification and risk management capabilities. However, the most common development method of the credit score card model in the prior art is based on logistics (logic regression) as the core, combined with the method of evidence weight conversion, when using the existing technology to classify the credit of customers, directly according to the model classification rules, through Calculating the corresponding score of each tier directly corresponds to the customer's credit score, but the customer's score has a large jump, and...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 宋芳晖韩传赞
Owner 东方微银科技股份有限公司
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