Personal-credit evaluation method of intelligent combination and system

The invention discloses a personal-credit evaluation method of intelligent combination and a system. The method is suitable for use in the system. The system includes a sample data acquisition module,a sample data processing module, a data feature training module, a scoring model construction module and a scoring model test module. The method includes the steps of: S1, acquiring sample data of model training by the sample data acquisition module; S2, dividing samples into a training set I, a training set II and a test set; S3, carrying out feature grouping on the sample data of the training set I, the training set II and the test set; S4, carrying out training on each set of data features, and generating a corresponding trained sub-model by each set of data features; S5, carrying out prediction on the trained sub-models; and S6, testing a finally constructed credit scoring model on the test set by the scoring model test module to evaluate model test effect. 本发明公开了种智能组合的个人信用评估方法及系统，所述方法适用于所述系统，所述系统包括样本数据获取模块、样