User credit line determination method and related device

A credit limit and determination method technology, which is applied in the field of data processing, can solve the problems of small user range and low credit limit, and achieve the effect of improving its accuracy, expanding the user range, and reducing the influence of human experience

Pending Publication Date: 2021-08-10
BANK OF CHINA
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  • Abstract
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Problems solved by technology

[0005] In view of the above-mentioned problems, the present application provides a method for determining a user credit line and a related device, which are used to solve the problems of a small range of credit users and a low credit line

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  • User credit line determination method and related device
  • User credit line determination method and related device
  • User credit line determination method and related device

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Embodiment Construction

[0048] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0049] At present, the credit granting models used by banks are mainly based on rules, expert experience and simple models, hereinafter referred to as the expert rule model, which is formulated by business personnel based on the experience of domain experts, and the user's information is input into the expert rule model to obtain evaluation result...

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Abstract

The embodiment of the invention discloses a user credit line determination method and a related device, and aims to mine potential high-quality users in to-be-credit users of which historical credit lines are determined to be zero, and re-determine the credit lines of the users based on related data of various different sources instead of related data of a single source. A plurality of derivative features are extracted from the related data of the to-be-credit-granted user, and the derivative features are features with service meanings obtained by performing feature learning according to the related data of the credit-granted user, and can reflect the real situation of the credit-granted user. The initial credit line of the user to be credit granted can be obtained through the data-driven credit granting model and the extracted derivative features of the user to be credit granted. Therefore, the determined initial credit line has data support, the influence of human experience is reduced, the mined credit line of the high-quality user is not determined to be zero, the credit line determination and accuracy are improved, and the credit user range is expanded.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a method and a related device for determining a user's credit line. Background technique [0002] Credit business to individual users is an important business carried out by banks, such as credit card business, personal loan business, etc. can be considered as a kind of credit business. When a user requests credit business, the bank will determine the user's credit limit based on the user's relevant data. For example, if the user applies for a credit card, the bank needs to determine the consumption limit of the credit card issued to the user. [0003] At present, the method of determining the credit line of the user is mainly to evaluate the user's assets (for example, the user's income, debt capacity, etc.) and credit records, and determine the credit line according to the evaluation results. For example, configure a lower credit line for users with lower incom...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/06393G06Q40/03
Inventor 江丽萍胡莹黄权益胡国威
Owner BANK OF CHINA
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