METHOD AND APPARATUS FOR CALCULATING CREDIT SCORE OF LOAN USER, AND COMPUTER DEVICE

Provided are a method and apparatus for calculating a credit score of a loan user, and a computer device. The method comprises: obtaining loan information filled by the loan user, credit data of the loan user, transaction data of each payment card owned by the loan user, utilities and services payments data, and insurance policy data (S110); generating a feature vector of the loan user according to the loan information, the credit data, the transaction data, the utilities and services payments data, and the insurance policy data (S120); and inputting the feature vector of the loan user to a pre-constructed scoring model, so as to obtain a credit score of the loan user (S130). The method reduces the probability of calculation errors of credit scores of a loan user. L'invention concerne un procédé et un appareil permettant de calculer la cote de solvabilité d'un emprunteur, et un dispositif informatique. Le procédé consiste à obtenir des informations de prêt remplies par l'emprunteur, des données de crédit de l