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 co...
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| creator | ZHONG YANMING XIA HAO |
| description | 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 |
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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. 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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. 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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</abstract><oa>free_for_read</oa></addata></record> |
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| language | chi ; eng |
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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 | Method and system for evaluating issuing of interest-free coupons based on credit user value |
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