Multi-dimensional user credit assessment method and device, equipment and storage medium

The invention is suitable for the technical field of computers, and provides a multi-dimensional user credit assessment method, device and equipment and a storage medium, and the multi-dimensional user credit assessment method comprises the steps: obtaining operator data of a to-be-assessed user in...

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Hauptverfasser: MA GANGJUN, LUO JUTING, LIANG CHANG, FAN SHICHENG, WANG YONGQIONG, XIONG YONGHUI, ZHENG YONGKUN, REN CHENLI, LI YUEYANG, HUANG XIXIONG, LIU ZHANHONG, MENG JIANZHONG, LI NINGHUI, SUN ZHI
Format: Patent
Sprache:chi ; eng
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Zusammenfassung:The invention is suitable for the technical field of computers, and provides a multi-dimensional user credit assessment method, device and equipment and a storage medium, and the multi-dimensional user credit assessment method comprises the steps: obtaining operator data of a to-be-assessed user in a preset dimension; constructing a credit index system corresponding to the operator data of each dimension; analyzing each credit index in the credit index system to obtain a credit coefficient corresponding to the operator data of each dimension; and inputting the credit coefficient corresponding to the operator data of each dimension into a pre-trained credit assessment regression model for analysis to obtain the credit rating of the user to be assessed. According to the scheme, user credit rating evaluation based on complete operator data is realized, and the accuracy of user credit evaluation is improved. 本申请适用于计算机技术领域,提供了一种多维度用户信用评估方法、装置、设备及存储介质,多维度用户信用评估方法包括:获取待评估用户在预设维度的运营商数据;构建各维度的运营商数据对应的信用指标体系;分别对信用指标体系中