A credit scoring method and device
The invention discloses a credit scoring method and device, which are used for reducing the subjectivity of credit scoring of a user so as to improve accuracy of credit scoring of a user. The method comprises the following steps: acquiring N data samples of N users; wherein the data sample comprises...
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| creator | YU FENGLI YU WEI XU HAIYONG CHEN CHUNSONG TANG XIA TAO TAO LIANG ENLEI WU LILI HAN LIN DUAN JIALUO SHU MINGEN ZHANG FAN |
| description | The invention discloses a credit scoring method and device, which are used for reducing the subjectivity of credit scoring of a user so as to improve accuracy of credit scoring of a user. The method comprises the following steps: acquiring N data samples of N users; wherein the data sample comprises data of P evaluation indexes, and N and P are positive integers; according to the N data samples, constructing a scoring index system based on an analytic hierarchy process AHP architecture, wherein the scoring index system is composed of a target layer, a criterion layer and a scheme layer; wherein the target layer is a user credit score, the criterion layer comprises M elements influencing the user credit score, one of the M elements corresponds to at least one evaluation index included in the scheme layer, the evaluation indexes corresponding to different elements are different, and M is a positive integer; calculating the weight of each evaluation index in at least one evaluation indexcorresponding to each ele |
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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 | A credit scoring method and device |
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