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Limit determination method and system, computer equipment and storage medium

A technology for determining the method and amount, applied in the field of big data intelligent analysis, can solve the problems of inability to effectively distinguish the characteristics of loan application customers, single measurement model, etc., to reduce the non-performing loan rate, accurate loan amount, and meet the effect of loan demand.

Pending Publication Date: 2022-06-17
CHINA CONSTRUCTION BANK
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0003] Based on this, it is necessary to provide a credit limit determination method, system, computer equipment and storage medium for the existing retail customer business credit loan measurement model is single, and cannot effectively distinguish the characteristics of loan application customers.

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  • Limit determination method and system, computer equipment and storage medium
  • Limit determination method and system, computer equipment and storage medium
  • Limit determination method and system, computer equipment and storage medium

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Embodiment Construction

[0032] In order to facilitate understanding of the present invention, the present invention will be described more fully hereinafter with reference to the related drawings. Preferred embodiments of the invention are shown in the accompanying drawings. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. Rather, these embodiments are provided so that this disclosure will be more thorough and complete.

[0033] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The terms used herein in the description of the present invention are for the purpose of describing specific embodiments only, and are not intended to limit the present invention. As used herein, the term "and / or" includes any and all combinations of one or more of the associated listed items. The steps of data a...

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Abstract

The invention relates to the technical field of big data intelligent analysis, in particular to a quota determination method and system, computer equipment and a storage medium, and the method comprises the steps: obtaining customer feature information and resource feature information of a customer; determining a target customer group model matched with the customer feature information from pre-configured customer group models; determining a quota influence parameter corresponding to the customer according to the resource feature information; determining an evaluation coefficient of the customer according to the resource feature information and the target customer group model; and determining the quota of the customer according to the quota influence parameter, the evaluation coefficient and the target customer group model. By establishing judgment standards of different customer group models, loan customers with different features are distinguished according to customer feature information of the customers, accurate recognition, layering and positioning of different types of customers can be enhanced, and then differential quota calculation is implemented. And quota calculation is carried out on the customer in combination with the evaluation coefficient of the customer, so that the customer credit granting risk can be ensured to be controllable.

Description

technical field [0001] The invention relates to the technical field of intelligent analysis of big data, and in particular, to a method, system, computer equipment and storage medium for determining a quota. Background technique [0002] At present, the evaluation basis for enterprise credit loan credit mainly considers data such as enterprise economic benefits, enterprise management level, tax data, industrial and commercial data, and development prospects. However, the existing calculation rules for operating credit loans for retail customers are relatively fragmented and isolated, and the calculation model is relatively simple, which cannot effectively distinguish the characteristics of loan application customers, let alone achieve targeted and refined operation and management. SUMMARY OF THE INVENTION [0003] Based on this, it is necessary to provide a quota determination method, system, computer equipment and storage medium for the problem that the existing retail cu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q40/02
CPCG06Q20/403G06Q40/03
Inventor 黄舒兰黄超徐静
Owner CHINA CONSTRUCTION BANK
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