Credit risk recognizing method and device for internet finance small loan

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 da...

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Hauptverfasser: ZHOU YING, REN WEI, LI QINGFENG, TU ZHIYUN
Format: Patent
Sprache:chi ; eng
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CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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creator ZHOU YING
REN WEI
LI QINGFENG
TU ZHIYUN
description 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
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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. 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subjects CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
title Credit risk recognizing method and device for internet finance small loan
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