Method and device for predicting repayment probability, electronic equipment and storage medium
The invention provides a method and device for predicting a repayment probability, electronic equipment and a storage medium. The method comprises steps of obtaining historical repayment state information of each device, wherein the historical repayment state information comprises repayment state in...
Gespeichert in:
| Hauptverfasser: | , , , , |
|---|---|
| Format: | Patent |
| Sprache: | chi ; eng |
| Schlagworte: | |
| Online-Zugang: | Volltext bestellen |
| Tags: |
Tag hinzufügen
Keine Tags, Fügen Sie den ersten Tag hinzu!
|
| container_end_page | |
|---|---|
| container_issue | |
| container_start_page | |
| container_title | |
| container_volume | |
| creator | XUE BING CAO JINFEI WEI HUA LI WEI ZHANG SHANRUI |
| description | The invention provides a method and device for predicting a repayment probability, electronic equipment and a storage medium. The method comprises steps of obtaining historical repayment state information of each device, wherein the historical repayment state information comprises repayment state information of past n periods and present period repayment state information, the repayment state comprises normal repayment and overdue repayment, and the overdue repayment comprises overdue once, overdue twice and overdue for multiple times; and according to the historical repayment state information of the devices, calculating the repayment probability of each device in the next period by adopting a Markov state transition matrix. According to the invention, the calculation process of the repayment probability of each device in the next period can be simplified, the prediction accuracy of the repayment probability can be effectively improved, so the lessee, the dealer and the main engine plant can be helped to eff |
| format | Patent |
| fullrecord | <record><control><sourceid>epo_EVB</sourceid><recordid>TN_cdi_epo_espacenet_CN110619434A</recordid><sourceformat>XML</sourceformat><sourcesystem>PC</sourcesystem><sourcerecordid>CN110619434A</sourcerecordid><originalsourceid>FETCH-epo_espacenet_CN110619434A3</originalsourceid><addsrcrecordid>eNqNjLEKwjAURbM4iPoPz13B0iI4SlFcdHIPaXJbH7RJTF-F_r1V_ACnA4fDmSt9hTyCI-MdObzYguqQKCY4tsK-oYRoxg5eJhkqU3HLMm4ILayk4NkSngPHb_G59BKSaUDddBi6pZrVpu2x-nGh1ufTvbxsEYNGH42Fh-jylmW7fXYo8uKY_9O8Aa92PV8</addsrcrecordid><sourcetype>Open Access Repository</sourcetype><iscdi>true</iscdi><recordtype>patent</recordtype></control><display><type>patent</type><title>Method and device for predicting repayment probability, electronic equipment and storage medium</title><source>esp@cenet</source><creator>XUE BING ; CAO JINFEI ; WEI HUA ; LI WEI ; ZHANG SHANRUI</creator><creatorcontrib>XUE BING ; CAO JINFEI ; WEI HUA ; LI WEI ; ZHANG SHANRUI</creatorcontrib><description>The invention provides a method and device for predicting a repayment probability, electronic equipment and a storage medium. The method comprises steps of obtaining historical repayment state information of each device, wherein the historical repayment state information comprises repayment state information of past n periods and present period repayment state information, the repayment state comprises normal repayment and overdue repayment, and the overdue repayment comprises overdue once, overdue twice and overdue for multiple times; and according to the historical repayment state information of the devices, calculating the repayment probability of each device in the next period by adopting a Markov state transition matrix. According to the invention, the calculation process of the repayment probability of each device in the next period can be simplified, the prediction accuracy of the repayment probability can be effectively improved, so the lessee, the dealer and the main engine plant can be helped to eff</description><language>chi ; eng</language><subject>CALCULATING ; COMPUTING ; COUNTING ; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ; ELECTRIC DIGITAL DATA PROCESSING ; PHYSICS ; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><creationdate>2019</creationdate><oa>free_for_read</oa><woscitedreferencessubscribed>false</woscitedreferencessubscribed></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktohtml>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20191227&DB=EPODOC&CC=CN&NR=110619434A$$EHTML$$P50$$Gepo$$Hfree_for_read</linktohtml><link.rule.ids>230,308,776,881,25542,76516</link.rule.ids><linktorsrc>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20191227&DB=EPODOC&CC=CN&NR=110619434A$$EView_record_in_European_Patent_Office$$FView_record_in_$$GEuropean_Patent_Office$$Hfree_for_read</linktorsrc></links><search><creatorcontrib>XUE BING</creatorcontrib><creatorcontrib>CAO JINFEI</creatorcontrib><creatorcontrib>WEI HUA</creatorcontrib><creatorcontrib>LI WEI</creatorcontrib><creatorcontrib>ZHANG SHANRUI</creatorcontrib><title>Method and device for predicting repayment probability, electronic equipment and storage medium</title><description>The invention provides a method and device for predicting a repayment probability, electronic equipment and a storage medium. The method comprises steps of obtaining historical repayment state information of each device, wherein the historical repayment state information comprises repayment state information of past n periods and present period repayment state information, the repayment state comprises normal repayment and overdue repayment, and the overdue repayment comprises overdue once, overdue twice and overdue for multiple times; and according to the historical repayment state information of the devices, calculating the repayment probability of each device in the next period by adopting a Markov state transition matrix. According to the invention, the calculation process of the repayment probability of each device in the next period can be simplified, the prediction accuracy of the repayment probability can be effectively improved, so the lessee, the dealer and the main engine plant can be helped to eff</description><subject>CALCULATING</subject><subject>COMPUTING</subject><subject>COUNTING</subject><subject>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</subject><subject>ELECTRIC DIGITAL DATA PROCESSING</subject><subject>PHYSICS</subject><subject>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</subject><fulltext>true</fulltext><rsrctype>patent</rsrctype><creationdate>2019</creationdate><recordtype>patent</recordtype><sourceid>EVB</sourceid><recordid>eNqNjLEKwjAURbM4iPoPz13B0iI4SlFcdHIPaXJbH7RJTF-F_r1V_ACnA4fDmSt9hTyCI-MdObzYguqQKCY4tsK-oYRoxg5eJhkqU3HLMm4ILayk4NkSngPHb_G59BKSaUDddBi6pZrVpu2x-nGh1ufTvbxsEYNGH42Fh-jylmW7fXYo8uKY_9O8Aa92PV8</recordid><startdate>20191227</startdate><enddate>20191227</enddate><creator>XUE BING</creator><creator>CAO JINFEI</creator><creator>WEI HUA</creator><creator>LI WEI</creator><creator>ZHANG SHANRUI</creator><scope>EVB</scope></search><sort><creationdate>20191227</creationdate><title>Method and device for predicting repayment probability, electronic equipment and storage medium</title><author>XUE BING ; CAO JINFEI ; WEI HUA ; LI WEI ; ZHANG SHANRUI</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-epo_espacenet_CN110619434A3</frbrgroupid><rsrctype>patents</rsrctype><prefilter>patents</prefilter><language>chi ; eng</language><creationdate>2019</creationdate><topic>CALCULATING</topic><topic>COMPUTING</topic><topic>COUNTING</topic><topic>DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES</topic><topic>ELECTRIC DIGITAL DATA PROCESSING</topic><topic>PHYSICS</topic><topic>SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR</topic><toplevel>online_resources</toplevel><creatorcontrib>XUE BING</creatorcontrib><creatorcontrib>CAO JINFEI</creatorcontrib><creatorcontrib>WEI HUA</creatorcontrib><creatorcontrib>LI WEI</creatorcontrib><creatorcontrib>ZHANG SHANRUI</creatorcontrib><collection>esp@cenet</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext_linktorsrc</fulltext></delivery><addata><au>XUE BING</au><au>CAO JINFEI</au><au>WEI HUA</au><au>LI WEI</au><au>ZHANG SHANRUI</au><format>patent</format><genre>patent</genre><ristype>GEN</ristype><title>Method and device for predicting repayment probability, electronic equipment and storage medium</title><date>2019-12-27</date><risdate>2019</risdate><abstract>The invention provides a method and device for predicting a repayment probability, electronic equipment and a storage medium. The method comprises steps of obtaining historical repayment state information of each device, wherein the historical repayment state information comprises repayment state information of past n periods and present period repayment state information, the repayment state comprises normal repayment and overdue repayment, and the overdue repayment comprises overdue once, overdue twice and overdue for multiple times; and according to the historical repayment state information of the devices, calculating the repayment probability of each device in the next period by adopting a Markov state transition matrix. According to the invention, the calculation process of the repayment probability of each device in the next period can be simplified, the prediction accuracy of the repayment probability can be effectively improved, so the lessee, the dealer and the main engine plant can be helped to eff</abstract><oa>free_for_read</oa></addata></record> |
| fulltext | fulltext_linktorsrc |
| identifier | |
| ispartof | |
| issn | |
| language | chi ; eng |
| recordid | cdi_epo_espacenet_CN110619434A |
| source | esp@cenet |
| subjects | CALCULATING COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ELECTRIC DIGITAL DATA PROCESSING PHYSICS SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR |
| title | Method and device for predicting repayment probability, electronic equipment and storage medium |
| url | https://sfx.bib-bvb.de/sfx_tum?ctx_ver=Z39.88-2004&ctx_enc=info:ofi/enc:UTF-8&ctx_tim=2025-02-16T06%3A30%3A15IST&url_ver=Z39.88-2004&url_ctx_fmt=infofi/fmt:kev:mtx:ctx&rfr_id=info:sid/primo.exlibrisgroup.com:primo3-Article-epo_EVB&rft_val_fmt=info:ofi/fmt:kev:mtx:patent&rft.genre=patent&rft.au=XUE%20BING&rft.date=2019-12-27&rft_id=info:doi/&rft_dat=%3Cepo_EVB%3ECN110619434A%3C/epo_EVB%3E%3Curl%3E%3C/url%3E&disable_directlink=true&sfx.directlink=off&sfx.report_link=0&rft_id=info:oai/&rft_id=info:pmid/&rfr_iscdi=true |