Customer loan return rate grade prediction method and system

The invention provides a customer loan return rate grade prediction method and system. The method comprises the steps of obtaining customer data of historical loan customers; establishing a modeling sample based on the customer data of the historical loaning customers, calculating customer loan return rate grades of the historical loaning customers, and performing fitting training by using a machine learning algorithm based on the modeling sample and the customer loan return rate grades of the historical loaning customers to establish a customer loan return rate grade prediction model; and obtaining customer data of an unlimited customer, and according to the customer data of the unlimited customer, predicting a customer loan return rate grade of the unlimited customer by using the customer loan return rate grade prediction model. The method disclosed by the invention can predict the loan yield grade of the customer, is relatively high in prediction accuracy, and ensures the loan income of the bank at the sam