Consumption financial product credit scoring method and device based on customer grouping

A technology for credit scoring and financial products, applied in finance, data processing applications, instruments, etc., can solve problems such as low model discrimination, large differences in model variables for customer grouping types, and the impact of customer credit scores

Pending Publication Date: 2021-11-30
杭州信雅达泛泰科技有限公司
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Problems solved by technology

The above-mentioned single-channel credit scoring model focuses on reflecting the impact of different traffic channels on credit scoring, but fails to reflect the significant impact of different types of customer groups in the customer base on credit scoring, and has the following disadvantages: (1) The types of customer groups in the channel Many, resulting in low model discrimination
(2) The input variables of different customer groups are quite different, resulting in the variables of the channel model bein

Method used

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  • Consumption financial product credit scoring method and device based on customer grouping
  • Consumption financial product credit scoring method and device based on customer grouping
  • Consumption financial product credit scoring method and device based on customer grouping

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Embodiment Construction

[0054] The present invention will be further described below in conjunction with the accompanying drawings and specific embodiments.

[0055] like figure 1 As shown, the present application provides a method of consumption finance based credit score based on a customer-based population, the method comprising the steps of:

[0056] Step S101, acquire a single customer's credit information, determine one or more customer divisions belonging to a single customer according to a predefined customer population rule.

[0057] Step S102, introducing the customer's credit data into the group logic regression evaluation card model corresponding to the customer's population, calculates the bracket credit score corresponding to each customer's population.

[0058] Step S103, when a single customer belongs to at least two different customer split, the syndrome data imported into the corresponding plurality of bracket score model; and combines a plurality of scores based on the preset weight, calc

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Abstract

The invention discloses a consumption financial product credit scoring method and device based on customer grouping, which can overcome the technical defects of a traditional single-channel credit scoring model and solve the key problems of a customer grouping credit evaluation method. The method comprises the following steps: obtaining pedestrian credit investigation data of a single customer, and judging one or more customer groups to which the single customer belongs according to a predefined customer grouping rule; and importing the credit investigation data of the customer into the grouping logistic regression score card model of the corresponding customer group, and calculating to obtain a grouping credit score corresponding to each customer group. Based on the thought of customer grouping credit evaluation, the method is applied to risk control work of financial product consumption, so that the defect that an existing credit scoring mode of financial products cannot fully reflect default behavior characteristics of different customer groups is overcome.

Description

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Claims

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Application Information

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Owner 杭州信雅达泛泰科技有限公司
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