Credit model training method and device, credit scoring method and device and electronic equipment

The invention provides a credit model training method and device, a credit scoring method and device, electronic equipment and a storage medium. The credit model training method comprises the following steps: extracting original features from sample credit data; generating a primary feature group comprising a plurality of feature combinations according to the original features, and performing feature crossover operation and feature mutation operation on the primary feature group to obtain a filial generation feature group; iterating the filial generation feature group, determining the fitnessof the obtained feature combination after each iteration, and selecting the feature combination according to the fitness to form a new filial generation feature group; when a result obtained through iteration meets a stop condition, stopping iteration, and obtaining a final generation feature group; and constructing a credit model, and updating parameters of the credit model according to the finalfeature group and the sam