Method and device for calculating credit score of loan user and computer equipment

The invention provides a method and a device for calculating a credit score of a loan user and computer equipment. The method comprises the following steps: obtaining loan information filled by the loan user, credit investigation data of the loan user, transaction data of each payment card held by the loan user, life payment data and insurance policy data; Generating a feature vector of the loan user according to the loan information, the credit investigation data, the transaction data, the life payment data and the insurance policy data; And inputting the feature vector of the loan user intoa pre-constructed scoring model to obtain a credit scoring result of the loan user. The embodiment of the invention reduces the probability of calculation errors of the credit score of the loan user. 本申请提供种贷款用户信用评分的计算方法、装置和计算机设备，所述的方法包括：获取贷款用户填写的贷款信息、所述贷款用户的征信数据、所述贷款用户所持有的各个支付卡的交易数据、生活缴费数据和保单数据；根据所述贷款信息、所述征信数据、所述交易数据、所述生活缴费数据和所述保单数据，生成所述贷款用户的特征向量；将所述贷款用户的特征向量输入预先构建的评分模型中，获得所述贷款用户的信用评分结果。本申请实施例减少贷款用户信用评分计算出错的概率。