Accumulation fund personal loan overdue prediction method based on integration algorithm

The invention discloses an accumulation fund personal loan overdue prediction method based on an integration algorithm, and the method comprises the steps: constructing a personal loan overdue prediction model which comprises two components, the first component is used for data processing, the second component carries out the training according to the data processed by the first component, and an optimal model is obtained; and inputting data of the to-be-predicted public accumulation fund borrowers into the optimal model, outputting an overdue prediction score, when the overdue prediction score is less than 0.5, classifying as 0, indicating that the to-be-predicted public accumulation fund borrowers corresponding to the overdue prediction score are not overdue, and when the overdue prediction score is greater than or equal to 0.5, classifying as 1, indicating that the to-be-predicted public accumulation fund borrowers corresponding to the overdue prediction score are not overdue. And indicating that the to-be