CN103235828A - Grade analyzing and adjusting method of indexes of information data score card - Google Patents

Abstract

A grade analyzing and adjusting method of the indexes of an information data score card comprises grade level analysis and adjustment and grade concentration degree analysis and adjustment. The grade level analysis and adjustment includes calculating the mean value, the level valve and the level ratio of every index to obtain the level state of a grade and provide adjustment strategies; and the grade concentration degree analysis and adjustment includes counting the maximum frequency of the grade, calculating the grade concentration degree, determining the grade concentration state, and then providing the improvement strategies of the grade concentration degree. The grade analyzing and adjusting method of the indexes of the information data score card solves the technical problems of unreasonable grade setting and poor effectiveness of the indexes due to the fact that the grade of every index in the information data score card is not adjusted according to actual requirements in the prior art, and can judge out the grade effectiveness of the indexes rapidly and efficiently.

Description

A kind of gear analysis and method of adjustment of index of information data scoring card

Technical field

The present invention relates to a kind of method of adjustment, specifically a kind of index method of adjustment of the card of marking.

Background technology

Growing along with information society, personal information also becomes a kind of resource.Department such as businessman, bank can carry out information acquisition to relevant customer group according to the needs of oneself.As bank its client is carried out the information registration, set up information table then, for business such as follow-up financing or loan provide reference.Numerous businessmans also can set up client's information bank according to the needs of self, and its potential customers are in time issued its product information.At different needs, each businessman or enterprise can set up different customer information tables, register client's information, and in the face of huge customers, it is particularly important how to extract required customer information targetedly.

As each bank the personal information capture card of setting up at client's credit can be arranged all, as shown in Figure 1, provide a personal credit scoring card commonly used, in described scoring card, be provided with different indexs, as educational background, annual income etc., and it has been carried out stepping, at each stepping score value is set.Be divided into third gear as educational background: undergraduate course is following, undergraduate course, master and more than; Annual income is divided into third gear: below 50,000,5-20 is more than ten thousand, 20 ten thousand.Bank can use this personal information scoring card that each local customer information is gathered, and draws client's credit rating by the mode that quantizes, for its financing, loan etc. provide reference.But, if each place all adopts this personal credit to mark when blocking, the difference because crowd's information of zones of different distributes, there are the following problems when all adopting unified credit scoring card:

At first, height at the gear of the setting of each index, for developing big and medium-sized cities preferably, educational background is divided into below the above-mentioned undergraduate course, undergraduate course, more than the master reaches, can distinguish schooling preferably, but for the backward zone of development, most of crowd's schooling is not high, undergraduate course following crowd account for more than 90%, what at this moment the gear of educational background arranged is obviously higher, and great majority all do not reach, if the gear of educational background is set to senior middle school or training, just can better embody individual difference, at this moment, can the gear of this index of educational background be turned down at local crowd's schooling, change senior middle school and following into, training, more than undergraduate course reaches, just can better embody local crowd's schooling.

Secondly, the too dispersion that some index arranges or concentrated, such as, in the index for above-mentioned annual income, most people's income concentrates on 5-20 ten thousand in the big and medium-sized cities, it is too concentrated that this gear arranges, and refinement just can better be distinguished more, as 5-20 ten thousand gears being refined as 5-10 ten thousand and 10,002 gears of 10-20.

Because the distributional difference of each local crowd's information is very big, be difficult to determine that the gear of which index needs to adjust, how to adjust, be reduce gear standard or should refinement.Like this, when banking system uses unified scoring card that each local user is added up, the words that the gear setting of each index still is consistent, it is higher or on the low side that the gear of some index arranges, can't play a role, or because that gear arranges is too concentrated, causing the property distinguished relatively poor, these have all influenced the effective expression to the data message of specific crowd.

Summary of the invention

For this reason, technical matters to be solved by this invention is that the gear of each index of data message card of the prior art does not arrange and adjusts according to specific crowd, the gear of the index property distinguished is poor, information extraction efficient is low, thereby proposes a kind of method that the index of personal information capture card is adjusted.

For solving the problems of the technologies described above, the invention provides a kind of gear horizontal analysis and method of adjustment of index of information data scoring card, comprise the steps:

(1) at first, use information data scoring card to be adjusted that crowd to be measured is carried out data extract, set up information database, extract the historical information data then as the data analysis sample from information database, described data analysis sample comprises the score of each index: x _Ij(i=0,1,2 ... M; J=0,1,2......, N), N is the index sum, M is total sample number, x _IjBe in i the sample j index score value, x _0jTotal score value of representing all samples of j index, x _I0Total score value of representing all indexs of i sample, x ₀₀Total score value of representing all indexs of sample; X _jRepresent j index, when j=0, the expression total points, described data analysis sample is greater than 500;

(2) carry out the gear horizontal analysis, process is as follows:

A1: the average mean_X that calculates each index _j, namely

$\mathrm{mean}\_X_j=\frac{1}{M}\×\underset{i=1}{\overset{i=M}{\mathrm{\Σ}}}{x}_{\mathrm{ij}};$

A2: the level value level_X that calculates each index _j, described level value is that the average of each index is divided by the full marks value of each index, namely

$\mathrm{level}\_X_j=\frac{\mathrm{mean}\_X_j}{\mathrm{full}\_X_j},$ Fill_X _jThe full marks value of expression index j;

A3: calculated level ratio, horizontal ratio are that the level value of each index is divided by the level value of total points, namely

$\mathrm{rate}\_X_j=\frac{\mathrm{level}\_X_j}{\mathrm{level}\_{\mathrm{<figure-callout\; id="0"\; label="X"\; filenames="HSA00000893375200031.png,HSA00000893375200041.png"\; state="\{\{state\}\}">X</figure-callout>}}_0};$

A4: judge the gear horizontality,

$\mathrm{level}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{rate}\_X_j>1.2\\ \mathrm{0,0.8}\&le;\mathrm{rate}\_X_j\&le;1.2\\ -1,\mathrm{rate}\_X_j<0.8\end{array}\right.;$

(3) according to the gear horizontal analysis result in the step (2), carry out the gear horizontal adjustment:

Work as level_state_X _jValue is 1 o'clock, reduces grade standard of getting;

Work as level_state_X _jValue is 0 o'clock, and the gear level is normal, remains unchanged;

Work as level_state_X _jValue is-1 o'clock, improves grade standard of getting.

In addition, the present invention also provides a kind of analysis of gear concentration degree and method of adjustment of index of information data scoring card, comprises the steps:

(1) at first, use information data scoring card to be adjusted that crowd to be measured is carried out data extract, set up information database, extract the historical information data then as the data analysis sample from information database, described data analysis sample comprises the score of each index: x _Ij(i=1,2 ... M; J=1,2......, N), N is the index sum, M is total sample number, x _IjBe the score of j index in i the sample, X _jRepresent j index, described data analysis sample is greater than 500;

(2) carry out the analysis of gear concentration degree, process is as follows:

B1: according to the score of each index, add up the maximum frequency number of the gear appearance of each index, obtain the maximum frequency of the gear of each index, i.e. max_frequency_X _j

B2: calculate the gear concentration degree, the gear concentration degree is that the maximum frequency of gear is divided by total sample number, namely

$\mathrm{concentration}\_\mathrm{rate}\_X_j=\frac{\max \_\mathrm{frequency}\_X_j}{M};$

B3: according to the gear concentration degree among the B2, judge the gear collected state

$\mathrm{concentration}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{concentration}\_\mathrm{rate}\_X_j>0.8\\ 0,\mathrm{concentration}\_\mathrm{rate}\_X_j\&le;0.8\end{array}\right.;$

(3) according to the gear concentration degree analysis result of step (2), carry out the adjustment of gear concentration degree:

Concentration_state_X _jBe 1 o'clock, get the mode of shelves by refinement and adjust the index stepping;

Concentration_state_X _jBe 0 o'clock, the gear concentration degree is normal, remains unchanged.

The present invention also provides a kind of gear analysis and method of adjustment of index of information data scoring card, comprises that gear horizontal analysis and adjustment and gear concentration degree are analyzed and adjustment, and process is as follows:

(1) at first, use information data scoring card to be adjusted that crowd to be measured is carried out data extract, set up information database, extract the historical information data then as the data analysis sample from information database, described data analysis sample comprises the score of each index: x _Ij(i=0,1,2 ... M; J=0,1,2......, N), N is the index sum, M is total sample number, x _IjBe in i the sample j index score value, x _0jTotal score value of representing all samples of j index, x _I0The total points of representing all indexs of i sample, x ₀₀Total score value of representing all indexs of sample; X _jRepresent j index, when j=0, the expression total points, described data analysis sample is greater than 500;

(2) carry out the gear horizontal analysis, process is as follows:

A1: the average mean_X that calculates each index _j, namely

$\mathrm{mean}\_X_j=\frac{1}{M}\&times;\underset{i=1}{\overset{i=M}{\mathrm{\&Sigma;}}}{x}_{\mathrm{ij}};$

A2: the level value level_X that calculates each index _j, described level value is that the average of each index is divided by the full marks value of each index, namely

$\mathrm{level}\_X_j=\frac{\mathrm{mean}\_X_j}{\mathrm{full}\_X_j},$ Full_X _jThe full marks value of expression index j;

A3: calculated level ratio, horizontal ratio are that the level value of each index is divided by the level value of total points, namely

$\mathrm{rate}\_X_j=\frac{\mathrm{level}\_X_j}{\mathrm{level}\_{\mathrm{<figure-callout\; id="0"\; label="X"\; filenames="HSA00000893375200031.png,HSA00000893375200041.png"\; state="\{\{state\}\}">X</figure-callout>}}_0};$

A4: judge the gear horizontality,

$\mathrm{level}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{rate}\_X_j>1.2\\ \mathrm{0,0.8}\&le;\mathrm{rate}\_X_j\&le;1.2\\ -1,\mathrm{rate}\_X_j<0.8\end{array}\right.;$

(3) according to the gear horizontal analysis result in the step (2), carry out the gear horizontal adjustment:

Work as level_state_X _jValue is 1 o'clock, reduces grade standard of getting;

Work as level_state_X _jValue is 0 o'clock, and the gear level is normal, remains unchanged;

Work as level_state_X _jValue is-1 o'clock, improves grade standard of getting;

(4) carry out the analysis of gear concentration degree, process is as follows:

B1: add up the maximum frequency of gear of each index, obtain the maximum frequency of the gear of each index, i.e. max_frequency_X _j

B2: calculate the gear concentration degree, namely the gear concentration degree is that the maximum frequency of gear is divided by total sample number, namely

$\mathrm{concentration}\_\mathrm{rate}\_X_j=\frac{\max \_\mathrm{frequency}\_X_j}{M};$

B3: according to the gear concentration degree among the B2, judge the gear collected state

$\mathrm{concentration}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{concentration}\_\mathrm{rate}\_X_j>0.8\\ 0,\mathrm{concentration}\_\mathrm{rate}\_X_j\&le;0.8\end{array}\right.;$

(5) according to the gear concentration degree analysis result of step (4), carry out the adjustment of gear concentration degree:

Concentration_state_X _jBe 1 o'clock, get the mode of shelves by refinement and adjust the index stepping;

Concentration_state_X _jBe 0 o'clock, the gear concentration degree is normal, remains unchanged.

In above-mentioned steps (1), the number of described data analysis sample is 1000-2000.

Technique scheme of the present invention has the following advantages compared to existing technology:

(1) gear horizontal analysis and the method for adjustment of the index of a kind of information data scoring card of the present invention, analyze at historical data, by the gear horizontal analysis, can draw whether too high or low excessively that each scoring gear arranges quickly and easily, thereby improve, make the height of the gear setting that described information data scoring blocks more meet the actual conditions of local data, avoided gear that the too high or low excessively data resource waste that causes is set.

(2) the gear concentration degree of the index of information data scoring card of the present invention is analyzed and method of adjustment, add up at historical data, the maximum frequency number that occurs according to the data of each gear, judge whether its gear arranges too concentrated, throughput fractional analysis and processing, draw the method for adjustment of gear concentration degree, it is more reasonable to make that the gear of described index arranges, can distinguish local data more explicitly, improve the sign degree of information data scoring card, thereby improve its validity.

(3) gear analysis and the method for adjustment of the index of a kind of information data scoring card of the present invention, analyze at historical data, gear level and gear concentration degree to each index quantize to calculate, obtain the validity of the gear setting of each index, thereby the improvement project of setting, by the gear horizontal analysis, can draw whether too high or low excessively that each scoring gear arranges quickly and easily, thereby improve like this; Quantitative analysis by the gear concentration degree, judge whether too concentrated that the gear of each index arranges, thereby provide the adjustment strategy of the gear of scoring card, finally make the index setting of described scoring card more meet the information distribution of sample population, can distinguish the target group better, improve the recognition efficiency of scoring card, have better targeted and applicability.By gear analysis and the method for adjustment of index of the present invention, by the adjustment to gear, can quick diagnosis go out the validity of each index setting of scoring card, improved the validity of scoring card.

(4) gear analysis and the method for adjustment of the index of a kind of information data scoring card of the present invention, described sample data is chosen in about 1000 usually, sample data is more many, distribution situation to local data shows that ground is clearer, thereby is conducive to better the gear of each index be analyzed and adjusted.

Description of drawings

Content of the present invention is easier to be expressly understood in order to make, and below according to a particular embodiment of the invention and by reference to the accompanying drawings, the present invention is further detailed explanation, wherein

Fig. 1 is the gear analysis of index of information data of the present invention scoring card and the process flow diagram of method of adjustment.

Fig. 2 has provided a kind of original bank credit scoring card;

Fig. 3 has provided the data plot that adopts gear horizontal analysis of the present invention and adjustment;

Fig. 4 has provided and has adopted gear concentration degree of the present invention to analyze and the data plot of adjusting;

Fig. 5 has provided the analysis result that adopts gear analysis of the present invention and method of adjustment and has adjusted policy map.

Embodiment

Embodiment 1:

A kind of gear horizontal analysis and method of adjustment of index of information data scoring card are provided in the present embodiment, comprise the steps:

(1) at first, use information data scoring card to be adjusted that crowd to be measured is carried out data extract, set up information database, extract the historical information data then as the data analysis sample from information database, described data analysis sample comprises the score of each index: x _Ij(i=0,1,2 ... M; J=0,1,2......, N), N is the index sum, M is total sample number, x _IjBe in i the sample j index score value, x _0jTotal score value of representing all samples of j index, x _I0Total score value of representing all indexs of i sample, x ₀₀Total score value of representing all indexs of sample; X _jRepresent j index, when j=0, the expression total points; Described data analysis sample is 1000.

(2) carry out the gear horizontal analysis, process is as follows:

A1: the average mean_X that calculates each index _j, namely

$\mathrm{mean}\_X_j=\frac{1}{M}\&times;\underset{i=1}{\overset{i=M}{\mathrm{\&Sigma;}}}{x}_{\mathrm{ij}};$

A2: the level value level_X that calculates each index _j, described level value is that the average of each index is divided by the full marks value of each index, namely

$\mathrm{level}\_X_j=\frac{\mathrm{mean}\_X_j}{\mathrm{full}\_X_j},$ Full_X _jThe full marks value of expression index j;

A3: calculated level ratio, horizontal ratio are that the level value of each index is divided by the level value of total points, namely

$\mathrm{rate}\_X_j=\frac{\mathrm{level}\_X_j}{\mathrm{level}\_{\mathrm{<figure-callout\; id="0"\; label="X"\; filenames="HSA00000893375200031.png,HSA00000893375200041.png"\; state="\{\{state\}\}">X</figure-callout>}}_0};$

A4: judge the gear horizontality,

$\mathrm{level}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{rate}\_X_j>1.2\\ \mathrm{0,0.8}\&le;\mathrm{rate}\_X_j\&le;1.2\\ -1,\mathrm{rate}\_X_j<0.8\end{array}\right.;$

(3) according to the gear horizontal analysis result in the step (2), carry out the gear horizontal adjustment:

Work as level_state_X _jValue is 1 o'clock, reduces grade standard of getting;

Work as level_state_X _jValue is 0 o'clock, and the gear level is normal, remains unchanged;

Work as level_state_X _jValue is-1 o'clock, improves grade standard of getting.

As shown in Figure 2, provide the personal credit scoring card of certain bank, Fig. 3 has provided at scoring card shown in Figure 2 and has adopted described gear horizontal analysis and the method for adjustment of present embodiment, carries out the gear horizontal analysis and adjusts the computational data that obtains and the adjustment strategy that obtains.

Embodiment 2:

A kind of analysis of gear concentration degree and method of adjustment of index of information data scoring card are provided in the present embodiment, comprise the steps:

(1) at first, use information data scoring card to be adjusted that crowd to be measured is carried out data extract, set up information database, extract the historical information data then as the data analysis sample from information database, described data analysis sample comprises the score of each index: x _Ij(i=1,2 ... M; J=1,2......, N), N is the index sum, M is total sample number, x _IjBe the score of j index in i the sample, X _jRepresent j index, described data analysis sample is 2000.

(2) carry out the analysis of gear concentration degree, process is as follows:

B1: according to the score of each index, add up the maximum frequency number of the gear appearance of each index, obtain the maximum frequency of the gear of each index, i.e. max_frequency_X _j

B2: calculate the gear concentration degree, the gear concentration degree is that the maximum frequency of gear is divided by total sample number, namely

$\mathrm{concentration}\_\mathrm{rate}\_X_j=\frac{\max \_\mathrm{frequency}\_X_j}{M};$

B3: according to the gear concentration degree among the B2, judge the gear collected state

$\mathrm{concentration}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{concentration}\_\mathrm{rate}\_X_j>0.8\\ 0,\mathrm{concentration}\_\mathrm{rate}\_X_j\&le;0.8\end{array}\right.;$

(3) according to the gear concentration degree analysis result of step (2), carry out the adjustment of gear concentration degree:

Concentration state X _jBe 1 o'clock, get the mode of shelves by refinement and adjust the index stepping;

Concentration stateX _jBe 0 o'clock, the gear concentration degree is normal, remains unchanged.

As shown in Figure 2, provide the personal credit scoring card of certain bank, Fig. 4 has provided at scoring card shown in Figure 2 and has adopted the described analysis of gear concentration degree and the method for adjustment of present embodiment, carries out the analysis of gear concentration degree and adjusts the computational data that obtains and the adjustment strategy that obtains.

Embodiment 3:

Provide the gear analysis of index of a kind of information data scoring card of the present invention and the embodiment of method of adjustment below, comprise gear horizontal analysis and adjustment and the analysis of gear concentration degree and adjust two processes, gear horizontal analysis and method of adjustment comprise average, level value and the horizontal ratio that calculates each index, draw the horizontality of gear, and provide the adjustment strategy; The analysis of gear concentration degree and adjustment comprise the maximum frequency of statistics gear, calculate the gear concentration degree and judge the gear collected state, provide the improvement strategy of gear concentration degree then.Flow process is as shown in Figure 1, and is specific as follows:

(1) at first, use information data scoring card to be adjusted that crowd to be measured is carried out data extract, set up information database, extract 1500 historical information data then as the data analysis sample from information database, described data analysis sample comprises the score of each index: x _Ij(i=0,1,2 ... M; J=0,1,2......, N), N is the index sum, M is total sample number, x _IjBe in i the sample j index score value, x _0jTotal score value of representing all samples of j index, x _I0Total score value of representing all indexs of i sample, x ₀₀Total score value of representing all indexs of sample, X _jRepresent j index, when j=0, the expression total points.

(2) carry out the gear horizontal analysis, process is as follows:

A1: the average mean_X that calculates each index _j, namely

A2: the level value level_X that calculates each index _j, described level value is that the average of each index is divided by the full marks value of each index, namely

Full_X _jThe full marks value of expression index j;

A3: calculated level ratio, horizontal ratio are that the level value of each index is divided by the level value of total points, namely

$\mathrm{rate}\_X_j=\frac{\mathrm{level}\_X_j}{\mathrm{level}\_{\mathrm{<figure-callout\; id="0"\; label="X"\; filenames="HSA00000893375200031.png,HSA00000893375200041.png"\; state="\{\{state\}\}">X</figure-callout>}}_0};$

A4: judge the gear horizontality,

$\mathrm{level}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{rate}\_X_j>1.2\\ \mathrm{0,0.8}\&le;\mathrm{rate}\_X_j\&le;1.2\\ -1,\mathrm{rate}\_X_j<0.8\end{array}\right.;$

(3) according to the gear horizontal analysis result in the step (2), carry out the gear horizontal adjustment:

As level state X _jValue is 1 o'clock, reduces grade standard of getting;

As level state X _jValue is 0 o'clock, and the gear level is normal, remains unchanged;

As level state X _jValue is-1 o'clock, improves grade standard of getting.

(4) carry out the analysis of gear concentration degree, process is as follows:

B1: add up the maximum frequency of occurrences number (maximum number of times namely occurring) of gear of each index, obtain the maximum frequency of the gear of each index, i.e. max_frequency_X _jAs some indexs 3 gears are arranged, total sample number is 1000 o'clock, and the frequency of these three gears is respectively 600,250,150, and then the maximum frequency of this index is 600;

B2: calculate the gear concentration degree, namely the gear concentration degree is that the maximum frequency of gear is divided by total sample number, namely

$\mathrm{concentration}\_\mathrm{rate}\_X_j=\frac{\max \_\mathrm{frequency}\_X_j}{M};$

B3: according to the gear concentration degree among the B2, judge the gear collected state:

$\mathrm{concentration}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{concentration}\_\mathrm{rate}\_X_j>0.8\\ 0,\mathrm{concentration}\_\mathrm{rate}\_X_j\&le;0.8\end{array}\right.;$

(5) according to the gear concentration degree analysis result of step (4), carry out the adjustment of gear concentration degree:

Concentration stateX _jBe 1 o'clock, get the mode of shelves by refinement and adjust the index stepping;

Concentration state X _jBe 0 o'clock, the gear concentration degree is normal, remains unchanged.

By above-mentioned analysis and method of adjustment, can be rapidly by quantizing calculation mode, obtain the gear efficiency analysis of the index of scoring card, the horizontally disposed height of the gear of described index, centralization and decentralization degree are judged, and draw innovative approach, the validity of the gear that the index that having improved marks blocks arranges makes described scoring card to carry out information extraction to the target group more targetedly, has improved work efficiency.Having solved in the prior art gear of each index of information data capture card does not adjust according to actual needs, causing the gear of index that technical matters unreasonable, the validity difference is set, is a kind of gear analysis and method of adjustment of index of information data scoring card of the gear validity that can rapidly and efficiently diagnose out index.

Provide the gear analysis of the index of using embodiment 3 described information data scoring cards and an application example of method of adjustment below, as shown in Figure 2, provided a kind of original bank credit scoring card, Fig. 3 has provided and has adopted described gear horizontal analysis method to analyze and the data plot of adjusting; Fig. 4 has provided and has adopted this described gear concentration degree to analyze and the data plot of adjusting; Fig. 5 has provided analysis result and the adjustment policy map that adopts the described gear analysis of present embodiment and method of adjustment to obtain.

Obviously, above-described embodiment only is for example clearly is described, and is not the restriction to embodiment.For those of ordinary skill in the field, can also make other changes in different forms on the basis of the above description.Here need not also can't give all embodiments exhaustive.And the apparent variation of being extended out thus or change still are among the protection domain of the invention.

Claims (4)

1. gear horizontal analysis and the method for adjustment of the index of an information data scoring card is characterized in that, comprise the steps:

(1) at first, use information data scoring card to be adjusted that crowd to be measured is carried out data extract, set up information database, extract the historical information data then as the data analysis sample from information database, described data analysis sample comprises the score of each index: x _Ij(i=0,1,2 ... M; J=0,1,2......, N), M is total sample number, N is the index sum, x _IjBe in i the sample j index score value, x _0jTotal score value of representing all samples of j index, x _I0Total score value of representing all indexs of i sample, x ₀₀Total score value of representing all indexs of sample; X _jRepresent j index, when j=0, the expression total points, described data analysis sample is greater than 500;

(2) carry out the gear horizontal analysis, process is as follows:

A1: the average mean_X that calculates each index _j, namely

$\mathrm{mean}\_X_j=\frac{1}{M}\&times;\underset{i=1}{\overset{i=M}{\mathrm{\&Sigma;}}}{x}_{\mathrm{ij}};$

A2: the level value level_X that calculates each index _j, described level value is that the average of each index is divided by the full marks value of each index, namely

$\mathrm{level}\_X_j=\frac{\mathrm{mean}\_X_j}{\mathrm{full}\_X_j},$ Full_X _jThe full marks value of expression index j;

A3: calculated level ratio, horizontal ratio are that the level value of each index is divided by the level value of total points, namely

$\mathrm{rate}\_X_j=\frac{\mathrm{level}\_X_j}{\mathrm{level}\_X_0};$

A4: judge the gear horizontality,

$\mathrm{level}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{rate}\_X_j>1.2\\ \mathrm{0,0.8}\&le;\mathrm{rate}\_X_j\&le;1.2\\ -1,\mathrm{rate}\_X_j<0.8\end{array}\right.;$

(3) according to the gear horizontal analysis result in the step (2), carry out the gear horizontal adjustment:

Work as level_state_X _jValue is 1 o'clock, reduces grade standard of getting;

Work as level_state_X _jValue is 0 o'clock, and the gear level is normal, remains unchanged;

Work as level_state_X _jValue is-1 o'clock, improves grade standard of getting.

2. the gear concentration degree of the index of an information data scoring card is analyzed and method of adjustment, it is characterized in that, comprises the steps:

(1) at first, use information data scoring card to be adjusted that crowd to be measured is carried out data extract, set up information database, extract the historical information data then as the data analysis sample from information database, described data analysis sample comprises the score of each index: x _Ij(i=1,2 ... M; J=1,2......, N), N is the index sum, M is total sample number, x _IjBe in i the sample j index score value, X _jRepresent j index, described data analysis sample is greater than 500;

(2) carry out the analysis of gear concentration degree, process is as follows:

B1: according to the score of each index, add up the maximum frequency number of the gear appearance of each index, obtain the maximum frequency of the gear of each index, i.e. max_frequency_X _j

B2: calculate the gear concentration degree, the gear concentration degree is that the maximum frequency of gear is divided by total sample number, namely

$\mathrm{concentration}\_\mathrm{rate}\_X_j=\frac{\max \_\mathrm{frequency}\_X_j}{M};$

B3: according to the gear concentration degree among the B2, judge the gear collected state

$\mathrm{concentration}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{concentration}\_\mathrm{rate}\_X_j>0.8\\ 0,\mathrm{concentration}\_\mathrm{rate}\_X_j\&le;0.8\end{array}\right.;$

(3) according to the gear concentration degree analysis result of step (2), carry out the adjustment of gear concentration degree:

Concentration_state_X _jBe 1 o'clock, get the mode of shelves by refinement and adjust the index stepping;

Concentration_state_X _jBe 0 o'clock, the gear concentration degree is normal, remains unchanged.

3. gear analysis and the method for adjustment of the index of an information data scoring card is characterized in that, comprise that gear horizontal analysis and adjustment and gear concentration degree are analyzed and adjustment, and process is as follows:

(1) at first, use information data scoring card to be adjusted that crowd to be measured is carried out data extract, set up information database, extract the historical information data then as the data analysis sample from information database, described data analysis sample comprises the score of each index: x _Ij(i=0,1,2 ... M; J=0,1,2......, N), N is the index sum, M is total sample number, x _IjBe in i the sample j index score value, x _0jTotal score value of representing all samples of j index, x _I0Total score value of representing all indexs of i sample, x ₀₀Total score value of representing all indexs of sample; X _jRepresent j index, when j=0, the expression total points, described data analysis sample is greater than 500;

(2) carry out the gear horizontal analysis, process is as follows:

A1: the average mean_X that calculates each index _j, namely

$\mathrm{mean}\_X_j=\frac{1}{M}\&times;\underset{i=1}{\overset{i=M}{\mathrm{\&Sigma;}}}{x}_{\mathrm{ij}};$

A2: the level value level_X that calculates each index _j, described level value is that the average of each index is divided by the full marks value of each index, namely

$\mathrm{level}\_X_j=\frac{\mathrm{mean}\_X_j}{\mathrm{full}\_X_j},$ Full_X _jThe full marks value of expression index j;

A3: calculated level ratio, horizontal ratio are that the level value of each index is divided by the level value of total points, namely

$\mathrm{rate}\_X_j=\frac{\mathrm{level}\_X_j}{\mathrm{level}\_X_0};$

A4: judge the gear horizontality,

$\mathrm{level}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{rate}\_X_j>1.2\\ \mathrm{0,0.8}\&le;\mathrm{rate}\_X_j\&le;1.2\\ -1,\mathrm{rate}\_X_j<0.8\end{array}\right.;$

(3) according to the gear horizontal analysis result in the step (2), carry out the gear horizontal adjustment:

Work as level_state_X _jValue is 1 o'clock, reduces grade standard of getting;

Work as level_state_X _jValue is 0 o'clock, and the gear level is normal, remains unchanged;

Work as level_state_X _jValue is-1 o'clock, improves grade standard of getting;

(4) carry out the analysis of gear concentration degree, process is as follows:

B1: add up the maximum frequency of gear of each index, obtain the maximum frequency of the gear of each index, i.e. max_frequency_X _j

B2: calculate the gear concentration degree, namely the gear concentration degree is that the maximum frequency of gear is divided by total sample number, namely

$\mathrm{concentration}\_\mathrm{rate}\_X_j=\frac{\max \_\mathrm{frequency}\_X_j}{M};$

B3: according to the gear concentration degree among the B2, judge the gear collected state

$\mathrm{concentration}\_\mathrm{state}\_X_j=\left\{\begin{array}{c}1,\mathrm{concentration}\_\mathrm{rate}\_X_j>0.8\\ 0,\mathrm{concentration}\_\mathrm{rate}\_X_j\&le;0.8\end{array}\right.;$

(5) according to the gear concentration degree analysis result of step (4), carry out the adjustment of gear concentration degree:

Concentration_state_X _jBe 1 o'clock, get the mode of shelves by refinement and adjust the index stepping;

Concentration_state_X _jBe 0 o'clock, the gear concentration degree is normal, remains unchanged.

4. according to gear analysis and the method for adjustment of the index of claim 1 or 2 or 3 described information datas scoring card, it is characterized in that: in described step (1), the number of described data analysis sample is 1000-2000.

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