Personal credit score evaluation optimization method

The invention provides a personal credit score evaluation optimization method. According to historical personal credit evaluation data, credit label calibration is carried out on customers within a credit coverage area; according to a credit label calibration result, evaluation indexes are selected, and credit data for evaluation use are acquired; and according to the selection result, the personal credit is evaluated. The method provided by the invention can make full use of advantages of the algorithm and a decision tree model, the whole personal credit score calculation process for large-scale credit data can be optimized, the credit score calculation execution speed can be quickened, the effectiveness of the calculation result is enhanced, the interpretability of the evaluation process is enhanced, and through the Adaptive Lasso algorithm, the evaluation dimension can be reduced, the calculation complexity is reduced, and the evaluation execution efficiency is enhanced. 本发明提供了种个人信用得分优化评价方法，根据历史个人信用评价数据，将征