Repayment risk scoring method and device

The invention provides a repayment risk scoring method and device, and the method comprises the steps: obtaining a value data set which comprises at least one of the repayment information of a user, basic information, external credit and income information, the quota utilization rate of the user, the frequency of loan and repayment, and the overdue condition; based on the value data set and a predefined classification label, obtaining a loan behavior change condition of a target user at a preset time threshold, and determining a category to which the target user belongs during repayment; and determining a repayment risk score of the target user through a pre-constructed repayment risk scoring model according to the value data set and the category to which the target user belongs during repayment. According to the repayment risk scoring method disclosed by the invention, the credit risk caused by multi-head default can be quantified, so that a basis is provided for the adjustment of a credit strategy, multi-he