QUBO-based bank credit score card combination optimization method and system

The embodiment of the invention provides a bank credit score card combination optimization method and system based on QUBO, and the method comprises the steps: obtaining multi-dimensional bank credit score card data, and carrying out the expansion of the multi-dimensional bank credit score card data, and obtaining an initial data set; constructing a loan interest income mathematical model based on the initial data set, defining related constraint conditions, and obtaining a bank loan interest income objective function through the loan interest income mathematical model; the bank loan interest income objective function is converted into a QUBO model, and the QUBO model is solved through a quantum computer to obtain dynamic threshold setting; verifying and optimizing the dynamic threshold setting by adopting a combinatorial algorithm to obtain an optimal threshold setting, and obtaining a final bank credit score card combination based on the optimal threshold setting; according to the embodiment of the inventio