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Data classification method and system, computer equipment and computer readable storage medium

A data classification and data technology, applied in the field of data processing, can solve the problems of inaccurate calculation of logistic regression models, strong subjective factors in manual credit analysis, and difficult corporate credit risks, so as to improve the accuracy of model results and reduce the time and cost of software switching. The effect of manpower and improving work efficiency

Pending Publication Date: 2021-01-05
PING AN TECH (SHENZHEN) CO LTD
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  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0002] Traditional corporate credit analysis is usually based on manual scoring for credit rating. However, manual credit analysis has strong subjective factors and it is difficult to objectively measure corporate credit risk. Generally, a logistic regression model is used for calculation. However, the most important thing in corporate credit analysis is that each factor contributes to the rating. The interpretability of the results affects the calculation of the existing logistic regression model is not accurate enough, and requires multiple software for calculation, which is inefficient

Method used

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  • Data classification method and system, computer equipment and computer readable storage medium
  • Data classification method and system, computer equipment and computer readable storage medium
  • Data classification method and system, computer equipment and computer readable storage medium

Examples

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Embodiment 1

[0043] refer to figure 1 , shows a flow chart of the steps of the data classification method in Embodiment 1 of the present invention. It can be understood that the flowchart in this method embodiment is not used to limit the sequence of execution steps. An exemplary description is given below taking the computer device 2 as the execution subject. details as follows.

[0044] Step S100, acquiring first data of multiple users, and performing data cleaning on the first data to obtain second data.

[0045] Specifically, after receiving the rating request of the target user, the first data of the target user is read. The target users are sample companies for credit rating, generally large enterprise companies. The first data may be data such as the unprocessed return on total assets of multiple companies, the ratio of operating net cash flow to interest-bearing liabilities, and the corresponding ratings of multiple companies. The corresponding data processing process includes...

Embodiment 2

[0083] read on Figure 5 , shows a schematic diagram of program modules of Embodiment 2 of the data classification system of the present invention. In this embodiment, the data classification system 20 may include or be divided into one or more program modules, and one or more program modules are stored in a storage medium and executed by one or more processors to complete the present invention. Invention, and can realize the above data classification method. The program module referred to in the embodiment of the present invention refers to a series of computer program instruction segments capable of completing specific functions, which is more suitable for describing the execution process of the data classification system 20 in the storage medium than the program itself. The following description will specifically introduce the functions of each program module of the present embodiment:

[0084] The data processing module 200 is configured to read first data of multiple us...

Embodiment 3

[0107] refer to Image 6 , is a schematic diagram of the hardware architecture of the computer device according to Embodiment 3 of the present invention. In this embodiment, the computer device 2 is a device capable of automatically performing numerical calculation and / or information processing according to preset or stored instructions. The computer device 2 may be a rack server, a blade server, a tower server or a cabinet server (including an independent server, or a server cluster composed of multiple servers) and the like. Such as Image 6 As shown, the computer device 2 at least includes, but is not limited to, a memory 21 , a processor 22 , a network interface 23 , and a data classification system 20 that can communicate with each other through a system bus. in:

[0108] In this embodiment, the memory 21 includes at least one type of computer-readable storage medium, and the readable storage medium includes flash memory, hard disk, multimedia card, card-type memory (f...

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Abstract

The invention relates to the field of data processing, and discloses a data classification method and system, computer equipment and a computer readable storage medium. The method comprises the stepsof obtaining first data of multiple users, and performing data cleaning on the first data to obtain second data; inputting the second data into a logistic regression classification model for calculation to obtain parameter data; and obtaining pre-processed to-be-classified data of the target user, and inputting the to-be-classified data and the parameter data into an ordered classification model for calculation to obtain a target level corresponding to the target user. The invention also relates to the technical field of block chains, and the target level corresponding to the target user is stored in the block chain. The invention has the advantages that the ordered classification of the data is realized, and the work efficiency and the model precision are improved.

Description

technical field [0001] The embodiments of the present invention relate to the field of data processing, and in particular, to a data classification method, system, computer equipment, and computer-readable storage medium. Background technique [0002] Traditional corporate credit analysis is usually based on manual scoring for credit rating. However, manual credit analysis has strong subjective factors and it is difficult to objectively measure corporate credit risk. Generally, a logistic regression model is used for calculation. However, the most important thing in corporate credit analysis is that each factor contributes to the rating. The interpretability of the results is affected. The existing logistic regression model is not accurate enough, and requires multiple software for calculation, which is inefficient. Contents of the invention [0003] In view of this, the purpose of the embodiments of the present invention is to provide a data classification method, system,...

Claims

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Application Information

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IPC IPC(8): G06F16/906G06F17/18G06K9/62
CPCG06F16/906G06F17/18G06F18/214
Inventor 洪钰李毅琳王开益白育龙罗力力孙海容罗水权
Owner PING AN TECH (SHENZHEN) CO LTD
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