Credit risk recognizing method and device for internet finance small loan

The invention discloses a credit risk recognizing method and a device for internet finance small loan. The method comprises the following steps: obtaining user credit data; dividing user samples according to user loan behaviors; obtaining an original data set according to the obtained user credit data and divided use samples; dividing the data set into a training set and a testing set, achieving feature engineering on the training set, restoring the operation to the testing set and utilizing an effect on the testing set to balance final performance; choosing an algorithm according to an actualsituation, wherein the algorithm includes two credit scoring models of a logistic regression model and xgboost; utilizing the credit scoring models to performing credit scoring on a user according touser information. The credit risk recognizing method disclosed by the invention has the advantages of quick user credit extension check speed and low labor cost; the credit risk recognizing method can perform credit extension