Credit risk prediction method, electronic equipment and readable storage medium

The invention discloses a credit risk prediction method, electronic equipment and a readable storage medium, and is applied to the technical field of financial science and technology, the credit risk prediction method comprises the following steps: obtaining a historical behavior data set of a user, the historical behavior data set being at least from two data sources; integrating the historical behavior data set into historical behavior fusion data; and performing credit risk prediction on the user according to the historical behavior fusion data and a risk prediction model to obtain a risk prediction result. The technical problem that the prediction accuracy and the prediction efficiency of the user credit risk cannot be considered at the same time is solved. 本申请公开了一种信用风险预测方法、电子设备及可读存储介质，应用于金融科技技术领域，所述信用风险预测方法包括：获取用户的历史行为数据集，其中，所述历史行为数据集至少来源于两种数据源；将所述历史行为数据集整合为历史行为融合数据；根据所述历史行为融合数据和风险预测模型，对所述用户进行信用风险预测，得到风险预测结果。本申请解决了无法兼顾用户信用风险的预测准确度和预测效率的技术问题。