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 co...
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| creator | HE BAIYING WANG LINBO LIU JIA XU LIANG ZHANG ZIHUI GONG LEI YUE YADING DAI XINGHU |
| description | 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 |
| format | Patent |
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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</description><language>chi ; eng</language><subject>CALCULATING ; COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS ; 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</subject><creationdate>2020</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=20200519&DB=EPODOC&CC=CN&NR=111178656A$$EHTML$$P50$$Gepo$$Hfree_for_read</linktohtml><link.rule.ids>230,309,781,886,25569,76552</link.rule.ids><linktorsrc>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20200519&DB=EPODOC&CC=CN&NR=111178656A$$EView_record_in_European_Patent_Office$$FView_record_in_$$GEuropean_Patent_Office$$Hfree_for_read</linktorsrc></links><search><creatorcontrib>HE BAIYING</creatorcontrib><creatorcontrib>WANG LINBO</creatorcontrib><creatorcontrib>LIU JIA</creatorcontrib><creatorcontrib>XU LIANG</creatorcontrib><creatorcontrib>ZHANG ZIHUI</creatorcontrib><creatorcontrib>GONG LEI</creatorcontrib><creatorcontrib>YUE YADING</creatorcontrib><creatorcontrib>DAI XINGHU</creatorcontrib><title>Credit model training method and device, credit scoring method and device and electronic equipment</title><description>The invention provides a credit model training method and device, a credit scoring method and device, electronic equipment and a storage medium. 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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</abstract><oa>free_for_read</oa></addata></record> |
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| subjects | CALCULATING COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS 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 | Credit model training method and device, credit scoring method and device and electronic equipment |
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