Credit score card model construction method based on privacy protection calculation

The invention discloses a credit scoring card model construction method based on privacy protection calculation, and relates to the technical field of computer credit scoring, and the method comprises the steps: S1, data processing and preprocessing; s2, feature selection and extraction; s3, model training; s4, optimizing and verifying the model; and S5, applying the model. On the basis of a privacy protection computing technology, desensitization or encryption processing can be performed on original data, and it is guaranteed that privacy data of a user is not invaded; a computing mechanism in which multiple parties participate is supported, and the situation that high enough data security guarantee cannot be obtained due to centralized computing can be avoided; the efficiency and accuracy of the algorithm are improved by adopting technologies such as distributed calculation, meanwhile, a data deduplication function is provided, data redundancy is reduced, the algorithm efficiency is improved, feature extrac