Classification method and device for bank credit business

The invention provides a bank credit business classification method and device, and the method comprises the steps: setting a matrix model, a matrix type and a matrix parameter triple matrix factor, setting different matrix models according to different contract starting day ranges, setting different matrix types according to the customer type, the customer balance and the loan property, in the matrix type, the guarantee mode, the number of overdue days, the number of continuous overdue periods and the number of advance days are used as matrix parameter mapping matrixes, and a machine evaluation classification result is obtained; setting an automatic clearing factor, identifying the automatic clearing factor, judging the configuration of an automatic clearing type, and if all the contracts of the customer accord with automatic clearing, completing the classification affirmation task and updating the risk classification of all effective borrows under the contract item; otherwise, generating a to-be-processed t