Method and system for evaluating issuing of interest-free coupons based on credit user value

The invention provides a credit user value-based information-free coupon issuing evaluation method and system, and relates to the technical field of credit risk evaluation. According to the method, a common first credit customer group and a second credit customer group which has sent an exemption coupon are correspondingly grouped, then user data information sample acquisition is performed under the corresponding group, and a corresponding value model score is calculated. Wherein the first credit customer group corresponds to a user value model score, and the second credit customer group corresponds to a user preference model score. And then, carrying out calibration processing on the value model score, and carrying out fusion processing by utilizing a logistic regression algorithm after the calibration processing to obtain a fusion model score of a corresponding group. Therefore, the credit risk assessment method can accurately predict and assess the willingness of the user after issuing coupons by using the