Customer credit classification method
One or more embodiments of the present application provide a customer credit classification method, comprising: obtaining a customer feature value t, the customer feature value t comprising, but not limited to, any one of the following indexes: customer age, unsettled liability of an enterprise, sal...
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| creator | HAN CHUANZAN SONG FANGHUI |
| description | One or more embodiments of the present application provide a customer credit classification method, comprising: obtaining a customer feature value t, the customer feature value t comprising, but not limited to, any one of the following indexes: customer age, unsettled liability of an enterprise, sales income of the enterprise in recent two years, enterprise registration capital, and number of times of violation of laws and adjustments of the enterprise; determining a plurality of grades corresponding to the client characteristic value t, and determining an evaluation index corresponding to each grade; obtaining a credit score corresponding to each grade based on the evaluation index; and obtaining a credit classification result of each customer based on the evaluation index and the creditscore. According to the invention, the credit scoring result of the client can be smoothly obtained, the influence of the grading threshold on the credit scoring result is reduced, and the sensitivityof the credit scoring res |
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According to the invention, the credit scoring result of the client can be smoothly obtained, the influence of the grading threshold on the credit scoring result is reduced, and the sensitivityof the credit scoring res</description><language>chi ; eng</language><subject>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</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=20201106&DB=EPODOC&CC=CN&NR=111899086A$$EHTML$$P50$$Gepo$$Hfree_for_read</linktohtml><link.rule.ids>230,308,780,885,25564,76547</link.rule.ids><linktorsrc>$$Uhttps://worldwide.espacenet.com/publicationDetails/biblio?FT=D&date=20201106&DB=EPODOC&CC=CN&NR=111899086A$$EView_record_in_European_Patent_Office$$FView_record_in_$$GEuropean_Patent_Office$$Hfree_for_read</linktorsrc></links><search><creatorcontrib>HAN CHUANZAN</creatorcontrib><creatorcontrib>SONG FANGHUI</creatorcontrib><title>Customer credit classification method</title><description>One or more embodiments of the present application provide a customer credit classification method, comprising: obtaining a customer feature value t, the customer feature value t comprising, but not limited to, any one of the following indexes: customer age, unsettled liability of an enterprise, sales income of the enterprise in recent two years, enterprise registration capital, and number of times of violation of laws and adjustments of the enterprise; determining a plurality of grades corresponding to the client characteristic value t, and determining an evaluation index corresponding to each grade; obtaining a credit score corresponding to each grade based on the evaluation index; and obtaining a credit classification result of each customer based on the evaluation index and the creditscore. According to the invention, the credit scoring result of the client can be smoothly obtained, the influence of the grading threshold on the credit scoring result is reduced, and the sensitivityof the credit scoring res</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>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>2020</creationdate><recordtype>patent</recordtype><sourceid>EVB</sourceid><recordid>eNrjZFB1Li0uyc9NLVJILkpNySxRSM5JLC7OTMtMTizJzM9TyE0tychP4WFgTUvMKU7lhdLcDIpuriHOHrqpBfnxqcUFicmpeakl8c5-hoaGFpaWBhZmjsbEqAEAaEonnA</recordid><startdate>20201106</startdate><enddate>20201106</enddate><creator>HAN CHUANZAN</creator><creator>SONG FANGHUI</creator><scope>EVB</scope></search><sort><creationdate>20201106</creationdate><title>Customer credit classification method</title><author>HAN CHUANZAN ; SONG FANGHUI</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-epo_espacenet_CN111899086A3</frbrgroupid><rsrctype>patents</rsrctype><prefilter>patents</prefilter><language>chi ; eng</language><creationdate>2020</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>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>HAN CHUANZAN</creatorcontrib><creatorcontrib>SONG FANGHUI</creatorcontrib><collection>esp@cenet</collection></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext_linktorsrc</fulltext></delivery><addata><au>HAN CHUANZAN</au><au>SONG FANGHUI</au><format>patent</format><genre>patent</genre><ristype>GEN</ristype><title>Customer credit classification method</title><date>2020-11-06</date><risdate>2020</risdate><abstract>One or more embodiments of the present application provide a customer credit classification method, comprising: obtaining a customer feature value t, the customer feature value t comprising, but not limited to, any one of the following indexes: customer age, unsettled liability of an enterprise, sales income of the enterprise in recent two years, enterprise registration capital, and number of times of violation of laws and adjustments of the enterprise; determining a plurality of grades corresponding to the client characteristic value t, and determining an evaluation index corresponding to each grade; obtaining a credit score corresponding to each grade based on the evaluation index; and obtaining a credit classification result of each customer based on the evaluation index and the creditscore. According to the invention, the credit scoring result of the client can be smoothly obtained, the influence of the grading threshold on the credit scoring result is reduced, and the sensitivityof the credit scoring res</abstract><oa>free_for_read</oa></addata></record> |
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| language | chi ; eng |
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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 | Customer credit classification method |
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