CN110348852A - A kind of credit evaluation model modification method, device, electronic equipment - Google Patents
A kind of credit evaluation model modification method, device, electronic equipment Download PDFInfo
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- G06Q20/403—Solvency checks
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Abstract
The invention discloses a kind of credit evaluation model modification methods, device, electronic equipment, construct credit evaluation model system, the credit evaluation model system includes at least two credit evaluation models, the at least two credit evaluations model has different credit evaluation lowest thresholds, obtain the credit performance information of user, the user is that can not pass through higher lowest threshold credit evaluation model and pass through the user of lower lowest threshold credit evaluation model, it establishes sample of users and fishes out back rule, substitute into the user credit performance information, the user for fishing out back rule the Adding User as the credit evaluation model with higher lowest threshold will be passed through, the credit evaluation model with higher lowest threshold is modified with the information of historical user based on described Add User, by this method in building and modified credit evaluation model system Each credit evaluation model grade distinction is uniform, relevance is strong.
Description
Technical field
The present invention relates to computer information processing fields, in particular to a kind of credit evaluation model modification method, dress
It sets, electronic equipment.
Background technique
Before authorizing user credit, need to carry out credit evaluation to user, to assess the credit situation of user.Existing skill
After assessing by building credit evaluation model user in art, the real credit performance of user can be also collected, to adjust letter
With assessment models, so that subsequent can obtain relatively high accuracy when being assessed again according to the assessment models of adjustment.
Summary of the invention
This specification embodiment provides a kind of credit evaluation model modification method, device, electronic equipment, existing to solve
The low problem of the degree of association between the multistage credit evaluation model constructed in technology.
This specification embodiment provides a kind of credit evaluation model modification method, comprising:
Credit evaluation model system is constructed, the credit evaluation model system includes at least two credit evaluation models, institute
At least two credit evaluation models are stated with different credit evaluation lowest thresholds；
The credit performance information of user is obtained, the user is that can not pass through higher lowest threshold credit evaluation model and lead to
Cross the user of lower lowest threshold credit evaluation model；
It establishes sample of users and fishes out back rule；
The user credit performance information is substituted into, fishes out back regular user as with higher lowest threshold for by described
Credit evaluation model Add User；
The credit evaluation model with higher lowest threshold is carried out with the information of historical user based on described Add User
Amendment.
In a kind of embodiment wherein, the user be can not by higher lowest threshold credit evaluation model, are as follows: will
After the credit performance information input of the user to the credit evaluation model with higher lowest threshold, output result is lower than described
Higher lowest threshold；
The user by lower lowest threshold credit evaluation model, are as follows: the credit performance information of the user is defeated
Enter to after the credit evaluation model with lower lowest threshold, output result is higher than the lowest threshold of telling somebody what one's real intentions are.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, further includes:
Using revised model as the credit evaluation model with higher lowest threshold.
It is described to fish out back rule in a kind of embodiment wherein are as follows: the credit performance information of the user to be obtained, until institute
It states user and passes through the credit evaluation model with higher lowest threshold.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, further includes:
The weight of each assessment index in the adjustment credit evaluation model with higher lowest threshold.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, and the historical user includes being commented by the standing with higher lowest threshold
Estimate the user of model, the information of the historical user includes the real credit performance of the historical user.
In a kind of embodiment wherein, the real credit performance of the historical user includes the refund of the historical user
Performance.
In a kind of embodiment wherein, which is also used to:
Credit authorization and the performance of the credit evaluation model with higher lowest threshold are obtained in described Add User
Out when real credit, described Add User is continued as historical user to the credit evaluation mould with higher lowest threshold
Type is modified.
This specification embodiment also provides a kind of credit evaluation Modifying model device, comprising:
Model system constructs module, and for constructing credit evaluation model system, the credit evaluation model system includes extremely
Few two credit evaluation models, at least two credit evaluations model have different credit evaluation lowest thresholds；
Data obtaining module, for obtaining the credit performance information of user, the user is that can not pass through higher minimum threshold
It is worth credit evaluation model and passes through the user of lower lowest threshold credit evaluation model；
Rule establishes module, fishes out back rule for establishing sample of users；
Module is fished out back, for substituting into the user credit performance information, fishes out back regular user as tool for by described
There is Adding User for the credit evaluation model of higher lowest threshold；
Modifying model module, for being Added User with the information of historical user based on described to higher lowest threshold
Credit evaluation model is modified.
In a kind of embodiment wherein, the credit performance information of user can according to credit evaluation model to user's
The scoring that credit is assessed.
In a kind of embodiment wherein, the user be can not by higher lowest threshold credit evaluation model, are as follows: will
After the credit performance information input of the user to the credit evaluation model with higher lowest threshold, output result is lower than described
Higher lowest threshold；
The user by lower lowest threshold credit evaluation model, are as follows: the credit performance information of the user is defeated
Enter to after the credit evaluation model with lower lowest threshold, output result is higher than the lowest threshold of telling somebody what one's real intentions are.
It is described to fish out back rule in a kind of embodiment wherein are as follows: the credit performance information of the user to be obtained, until institute
It states user and passes through the credit evaluation model with higher lowest threshold.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, further includes:
Using revised model as the credit evaluation model with higher lowest threshold.
It is described to fish out back rule in a kind of embodiment wherein are as follows: the credit performance information of the user to be obtained, until institute
It states user and passes through the credit evaluation model with higher lowest threshold.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, further includes:
The weight of each assessment index in the adjustment credit evaluation model with higher lowest threshold.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, and the historical user includes being commented by the standing with higher lowest threshold
Estimate the user of model, the information of the historical user includes the real credit performance of the historical user.
In a kind of embodiment wherein, the real credit performance of the historical user includes the refund of the historical user
Performance.
In a kind of embodiment wherein, which is also used to:
Credit authorization and the performance of the credit evaluation model with higher lowest threshold are obtained in described Add User
Out when real credit, described Add User is continued as historical user to the credit evaluation mould with higher lowest threshold
Type is modified.
This specification embodiment also provides a kind of electronic equipment, wherein the electronic equipment includes:
Processor；And
The memory of computer executable instructions is stored, the executable instruction when executed executes the processor
Method described in any of the above-described embodiment of this specification.
This specification embodiment also provides a kind of computer readable storage medium, wherein the computer-readable storage medium
Matter stores one or more programs, and one or more of programs when being executed by a processor, realize that this specification is any of the above-described
Method described in embodiment.
Detailed description of the invention
In order to keep technical problem solved by the invention, the technological means of use and the technical effect of acquirement clearer,
Detailed description of the present invention specific embodiment below with reference to accompanying drawings.But it need to state, drawings discussed below is only this
The attached drawing of invention exemplary embodiment of the present, to those skilled in the art, before not making the creative labor
It puts, the attached drawing of other embodiments can be obtained according to these attached drawings.
Fig. 1 is a kind of schematic illustration for credit evaluation model modification method that this specification embodiment provides；
Fig. 2 is a kind of structural schematic diagram for credit evaluation Modifying model device that this specification embodiment provides；
Fig. 3 is the structural schematic diagram for a kind of electronic equipment that this specification embodiment provides；
Fig. 4 is a kind of schematic illustration for computer-readable medium that this specification embodiment provides.
Specific embodiment
It carries out analysis to the prior art to find, the prior art is to the adjustment of credit evaluation model often according to by the standing
The credit performance of the user of assessment models adjusts, but for multiple credit evaluation models of the multistage accrediting amount, Duo Gezi
Often there are some associations in the evaluation criteria between letter credit evaluation model, this is allowed for according to by certain credit evaluation model
The credit performance of user adjusts the model, can not embody the association between multiple credit evaluation models, for example multiple standings are commented
Whether the relevance estimated between the gradient and evaluation criteria of the accrediting amount between model is too small, and multiple credit evaluation models are formed
Multiple evaluation criterias between grade distinction it is whether uniform, this just needs to propose a kind of new credit evaluation Modifying model side
Method.
This specification embodiment proposes a kind of credit evaluation model modification method, constructs credit evaluation model system, described
Credit evaluation model system includes at least two credit evaluation models, and at least two credit evaluations model has different money
Letter assessment lowest threshold, obtains the credit performance information of user, and the user is that can not pass through higher lowest threshold credit evaluation
Model and by the user of lower lowest threshold credit evaluation model, establishes sample of users and fishes out back rule, substitutes into user's letter
With performance information, regular user is fished out back as the newly-increased use of the credit evaluation model with higher lowest threshold using by described
Family is modified the credit evaluation model with higher lowest threshold with the information of historical user based on described Add User,
Building and the grade distinction of each credit evaluation model in modified credit evaluation model system are uniform by this method, are associated with
Property is strong.
Generally required between two credit evaluation models in the credit evaluation model system of building there are some associations, when with
When the credit performance of user of the family by lower lowest threshold credit evaluation model by assessment meets credit standard, show the use
Family has the credit that the accrediting amount can be obtained by the possibility of higher lowest threshold credit evaluation model, and the user can not
By higher lowest threshold credit evaluation model, indicate that the higher lowest threshold credit evaluation model may need to correct.At this point,
It is modified with the information of historical user to the credit evaluation model of higher lowest threshold based on described Add User, it can be with
Relevance between two credit evaluation models, keeps the grade distinction of each credit evaluation model uniform in credit evaluation model system.
Exemplary embodiment of the present invention is described more fully with reference to the drawings.However, exemplary embodiment can
Implement in a variety of forms, and is understood not to that present invention is limited only to embodiments set forth herein.On the contrary, it is exemplary to provide these
Embodiment enables to the present invention more full and complete, easily facilitates the technology that inventive concept is comprehensively communicated to this field
Personnel.Identical appended drawing reference indicates same or similar element, component or part in figure, thus will omit weight to them
Multiple description.
Under the premise of meeting technical concept of the invention, the feature described in some specific embodiment, structure, spy
Property or other details be not excluded for can be combined in any suitable manner in one or more other embodiments.
In the description for specific embodiment, feature, structure, characteristic or the other details that the present invention describes are to make
Those skilled in the art fully understands embodiment.But, it is not excluded that those skilled in the art can practice this hair
Bright technical solution is one or more without special characteristic, structure, characteristic or other details.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Although it should be understood that may indicate the attribute of number using first, second, third, etc. to describe various devices herein
Part, element, component or part, but this should not be limited by these attributes.These attributes are to distinguish one and another one.Example
Such as, the first device is also referred to as the second device without departing from the technical solution of essence of the invention.
Term "and/or" or " and/or " include the associated all combinations for listing any of project or more persons.
Fig. 1 is a kind of schematic illustration for credit evaluation model modification method that this specification embodiment provides.This method
Include:
S101: building credit evaluation model system, the credit evaluation model system include at least two credit evaluation moulds
Type, at least two credit evaluations model have different credit evaluation lowest thresholds.
In this specification embodiment, the credit evaluation model that the credit evaluation model system includes, which can be, to be had not
It, can be according to the accrediting amount by credit evaluation model partition grade, in this way, to user with the credit evaluation model of the accrediting amount
When carrying out credit evaluation, it can use multiple credit evaluation models in credit evaluation model system and user assessed, will comment
Estimate by credit evaluation model in the highest assessment of the accrediting amount as authorization assessment, authorize user's letter according to authorization assessment
With.
If discrimination between multiple credit evaluation models is unequal, credit that nearly all user authorizes will cause all
Identical, this original idea obviously with the credit evaluation model system of component multi-grade is disagreed, therefore, in order to improve such case,
It needs to be modified.
S102: obtaining the credit performance information of user, and the user is that can not pass through higher lowest threshold credit evaluation mould
Type and pass through the user of lower lowest threshold credit evaluation model.
In a kind of embodiment wherein, the credit performance information of user can according to credit evaluation model to user's
The scoring that credit is assessed.
In a kind of embodiment wherein, the user be can not by higher lowest threshold credit evaluation model, are as follows: will
After the credit performance information input of the user to the credit evaluation model with higher lowest threshold, output result is lower than described
Higher lowest threshold；
The user by lower lowest threshold credit evaluation model, are as follows: the credit performance information of the user is defeated
Enter to after the credit evaluation model with lower lowest threshold, output result is higher than the lowest threshold of telling somebody what one's real intentions are.
S103: it establishes sample of users and fishes out back rule.
It is described to fish out back rule in a kind of embodiment wherein are as follows: the credit performance information of the user to be obtained, until institute
It states user and passes through the credit evaluation model with higher lowest threshold.
S104: substituting into the user credit performance information, will be higher most as having by the user for fishing out back rule
The credit evaluation model of Low threshold Adds User.
S105: it is Added User with the information of historical user based on described to the credit evaluation model with higher lowest threshold
It is modified.
The credit evaluation model with higher lowest threshold is carried out with the information of historical user based on this Add User
Amendment can make the grade of each credit evaluation model with relevance between two credit evaluation models in credit evaluation model system
It distinguishes uniform.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, further includes:
Using revised model as the credit evaluation model with higher lowest threshold.
It is corresponding with rule is fished out back, using revised model as the credit evaluation model with higher lowest threshold, also
It include: to be repaired with the information of historical user to the credit evaluation model with higher lowest threshold based on described Add User
Just, until the user passes through the credit evaluation model with higher lowest threshold.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, further includes:
The weight of each assessment index in the adjustment credit evaluation model with higher lowest threshold.
By adjusting the weight of each assessment index in credit evaluation model, can will lead to user can not be by higher minimum
The factor of the credit evaluation model of threshold value identifies, and is modified, to improve the credit evaluation mould of higher lowest threshold
The defect of computation rule in type.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, and the historical user includes being commented by the standing with higher lowest threshold
Estimate the user of model, the information of the historical user includes the real credit performance of the historical user.
In a kind of embodiment wherein, the real credit performance of the historical user includes the refund of the historical user
Performance.
In a kind of embodiment wherein, which is also used to:
Credit authorization and the performance of the credit evaluation model with higher lowest threshold are obtained in described Add User
Out when real credit, described Add User is continued as historical user to the credit evaluation mould with higher lowest threshold
Type is modified.
In a concrete application scene, a company may have multiple credit products or business, and different products is corresponding
Amount be different, be suitable for user group it is also different.For example, the credit operation of company has (" the Shanghai wholesale ", " north A, B, C
Capital ", " Shanghai small amount "), give credit user group be respectively " excellent ", " in ", " poor " therefore can regard A, B, C as
Amount grade, it is corresponding, credit evaluation model can be constructed for each amount.
In this way, different models have any different for the judgment criteria of user, that is, there is height, that is, the user group of A model refusal is still
It may be received by B model, the user group of B model refusal by C model it is possible to received.
Same new user data can be calculated successively in A, B, C model as a result, the new number of users refused by A model
According to that can continue to calculate in B model, the new user refused by B model is further continued for calculating in C model.In this way, can be upper
In one hierarchal model not over and next level by the credit performance information of user feed back to upper level model, with
The accuracy rate of upper level model is assessed, or is re-used as the sample data of upper level model to correct upper level model.
It will be understood by those skilled in the art that realizing that all or part of the steps of above-described embodiment is implemented as by computer
The program (computer program) that data processing equipment executes.It is performed in the computer program, offer of the present invention is provided
The above method.Moreover, the computer program can store in computer readable storage medium, which can be with
It is the readable storage medium storing program for executing such as disk, CD, ROM, RAM, is also possible to the storage array of multiple storage medium compositions, such as disk
Or tape storage array.The storage medium is not limited to centralised storage, is also possible to distributed storage, such as based on cloud
The cloud storage of calculating.
Based on the same inventive concept, this specification embodiment also provides a kind of credit evaluation Modifying model device.
The device of the invention embodiment is described below, which can be used for executing embodiment of the method for the invention.For
Details described in apparatus of the present invention embodiment should be regarded as the supplement for above method embodiment；For in apparatus of the present invention
Undisclosed details in embodiment is referred to above method embodiment to realize.
Fig. 2 is a kind of structural schematic diagram for credit evaluation Modifying model device that this specification embodiment provides.
The apparatus may include:
Model system constructs module 201, and for constructing credit evaluation model system, the credit evaluation model system includes
At least two credit evaluation models, at least two credit evaluations model have different credit evaluation lowest thresholds；
Data obtaining module 202, for obtaining the credit performance information of user, the user is can not be by higher minimum
Threshold value credit evaluation model and pass through the user of lower lowest threshold credit evaluation model；
Rule establishes module 203, fishes out back rule for establishing sample of users；
Fish out back module 204, for substituting into the user credit performance information, using by it is described fish out back rule user as
Credit evaluation model with higher lowest threshold Adds User；
Modifying model module 205 is Added User with the information of historical user based on described to higher lowest threshold
Credit evaluation model is modified.
In this specification embodiment, the credit evaluation model that the credit evaluation model system includes, which can be, to be had not
It, can be according to the accrediting amount by credit evaluation model partition grade, in this way, to user with the credit evaluation model of the accrediting amount
When carrying out credit evaluation, it can use multiple credit evaluation models in credit evaluation model system and user assessed, will comment
Estimate by credit evaluation model in the highest assessment of the accrediting amount as authorization assessment, authorize user's letter according to authorization assessment
With.
If discrimination between multiple credit evaluation models is unequal, credit that nearly all user authorizes will cause all
It is identical, this and construct the original idea of credit evaluation model system of multi-grade and disagree, therefore, in order to improve such case, need
It is modified.
In a kind of embodiment wherein, the user be can not by higher lowest threshold credit evaluation model, are as follows: will
After the credit performance information input of the user to the credit evaluation model with higher lowest threshold, output result is lower than described
Higher lowest threshold；
The user by lower lowest threshold credit evaluation model, are as follows: the credit performance information of the user is defeated
Enter to after the credit evaluation model with lower lowest threshold, output result is higher than the lowest threshold of telling somebody what one's real intentions are.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, further includes:
Using revised model as the credit evaluation model with higher lowest threshold.
It is described to fish out back rule in a kind of embodiment wherein are as follows: the credit performance information of the user to be obtained, until institute
It states user and passes through the credit evaluation model with higher lowest threshold.
In a kind of embodiment wherein, Modifying model module 205 is also used to, if fishing out back module 204, obtains the user
Credit performance information, until the user passes through the credit evaluation model with higher lowest threshold, then, Modifying model
Module 205, is used for, using revised model as the credit evaluation model with higher lowest threshold, further includes: based on described
It Adds User and the credit evaluation model with higher lowest threshold is modified with the information of historical user, until the user
Pass through the credit evaluation model with higher lowest threshold.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, further includes:
The weight of each assessment index in the adjustment credit evaluation model with higher lowest threshold.
By adjusting the weight of each assessment index in credit evaluation model, can will lead to user can not be by higher minimum
The factor of the credit evaluation model of threshold value identifies, and is modified, to improve the credit evaluation mould of higher lowest threshold
The defect of computation rule in type.
It is described to be Added User with the information of historical user based on described to higher most in a kind of embodiment wherein
The credit evaluation model of Low threshold is modified, and the historical user includes being commented by the standing with higher lowest threshold
Estimate the user of model, the information of the historical user includes the real credit performance of the historical user.
In a kind of embodiment wherein, the real credit performance of the historical user includes the refund of the historical user
Performance.
In a kind of embodiment wherein, which is also used to:
Credit authorization and the performance of the credit evaluation model with higher lowest threshold are obtained in described Add User
Out when real credit, described Add User is continued as historical user to the credit evaluation mould with higher lowest threshold
Type is modified.
In a concrete application scene, a company may have multiple credit products or business, and different products is corresponding
Amount be different, be suitable for user group it is also different.For example, the credit operation of company has (" the Shanghai wholesale ", " north A, B, C
Capital ", " Shanghai small amount "), give credit user group be respectively " excellent ", " in ", " poor " therefore can regard A, B, C as
Amount grade, it is corresponding, credit evaluation model can be constructed for each amount.
In this way, different models have any different for the judgment criteria of user, that is, there is height, that is, the user group of A model refusal is still
It may be received by B model, the user group of B model refusal by C model it is possible to received.
Same new user data can be calculated successively in A, B, C model as a result, the new number of users refused by A model
According to that can continue to calculate in B model, the new user refused by B model is further continued for calculating in C model.In this way, can be upper
In one hierarchal model not over and next level by the credit performance information of user feed back to upper level model, with
The accuracy rate of upper level model is assessed, or is re-used as the sample data of upper level model to correct upper level model.
The credit evaluation model with higher lowest threshold is carried out with the information of historical user based on described Add User
Amendment can make the grade of each credit evaluation model with relevance between two credit evaluation models in credit evaluation model system
It distinguishes uniform.
It will be understood by those skilled in the art that each module in above-mentioned apparatus embodiment can be distributed in device according to description
In, corresponding change can also be carried out, is distributed in one or more devices different from above-described embodiment.The mould of above-described embodiment
Block can be merged into a module, can also be further split into multiple submodule.
Based on the same inventive concept, this specification embodiment also provides a kind of electronic equipment.
Electronic equipment embodiment of the invention is described below, which can be considered as the method for aforementioned present invention
With the specific entity embodiment of Installation practice.For details described in electronic equipment embodiment of the present invention, should be regarded as pair
In the above method or the supplement of Installation practice；For undisclosed details, Ke Yican in electronic equipment embodiment of the present invention
It is realized according to the above method or Installation practice.
Fig. 3 is the structural schematic diagram for a kind of electronic equipment that this specification embodiment provides.Root is described referring to Fig. 3
According to the electronic equipment 300 of this embodiment of the invention.The electronic equipment 300 that Fig. 3 is shown is only an example, should not be to the present invention
The function and use scope of embodiment bring any restrictions.
As shown in figure 3, electronic equipment 300 is showed in the form of universal computing device.The component of electronic equipment 300 can wrap
It includes but is not limited to: at least one processing unit 310, at least one storage unit 320, (including the storage of the different system components of connection
Unit 320 and processing unit 310) bus 330, display unit 340 etc..
Wherein, the storage unit is stored with program code, and said program code can be held by the processing unit 310
Row, so that the processing unit 310 executes described in this specification above-mentioned electronic prescription circulation processing method part according to this
The step of inventing various illustrative embodiments.For example, the processing unit 310 can execute step as shown in Figure 1.
The storage unit 320 may include the readable medium of volatile memory cell form, such as random access memory
Unit (RAM) 3201 and/or cache memory unit 3202 can further include read-only memory unit (ROM) 3203.
The storage unit 320 can also include program/practical work with one group of (at least one) program module 3205
Tool 3204, such program module 3205 includes but is not limited to: operating system, one or more application program, other programs
It may include the realization of network environment in module and program data, each of these examples or certain combination.
Bus 330 can be to indicate one of a few class bus structures or a variety of, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use any bus structures in a variety of bus structures
Local bus.
Electronic equipment 300 can also be with one or more external equipments 400 (such as keyboard, sensing equipment, bluetooth equipment
Deng) communication, can also be enabled a user to one or more equipment interact with the electronic equipment 300 communicate, and/or with make
Any equipment (such as the router, modulation /demodulation that the electronic equipment 300 can be communicated with one or more of the other calculating equipment
Device etc.) communication.This communication can be carried out by input/output (I/O) interface 350.Also, electronic equipment 300 can be with
By network adapter 360 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public network,
Such as internet) communication.Network adapter 360 can be communicated by bus 330 with other modules of electronic equipment 300.It should
Understand, although being not shown in Fig. 3, other hardware and/or software module can be used in conjunction with electronic equipment 300, including unlimited
In: microcode, device driver, redundant processing unit, external disk drive array, RAID system, tape drive and number
According to backup storage system etc..
Through the above description of the embodiments, those skilled in the art it can be readily appreciated that the present invention describe it is exemplary
Embodiment can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to this hair
The technical solution of bright embodiment can be embodied in the form of software products, which can store calculates at one
In the readable storage medium of machine (can be CD-ROM, USB flash disk, mobile hard disk etc.) or on network, including some instructions are so that one
Platform calculates equipment (can be personal computer, server or network equipment etc.) and executes according to the above method of the present invention.When
When the computer program is executed by a data processing equipment so that the computer-readable medium can be realized it is of the invention upper
State method, it may be assumed that method as shown in Figure 1.
Fig. 4 is a kind of schematic illustration for computer-readable medium that this specification embodiment provides.
The computer program can store on one or more computer-readable mediums.Computer-readable medium can be with
It is readable signal medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example can be but be not limited to electricity, magnetic, optical, electromagnetic, red
The system of outside line or semiconductor, device or device, or any above combination.The more specific example of readable storage medium storing program for executing
(non exhaustive list) includes: the electrical connection with one or more conducting wires, portable disc, hard disk, random access memory
(RAM), read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc
Read memory (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The computer readable storage medium may include in a base band or the data as the propagation of carrier wave a part are believed
Number, wherein carrying readable program code.The data-signal of this propagation can take various forms, including but not limited to electromagnetism
Signal, optical signal or above-mentioned any appropriate combination.Readable storage medium storing program for executing can also be any other than readable storage medium storing program for executing
Readable medium, the readable medium can send, propagate or transmit for by instruction execution system, device or device use or
Person's program in connection.The program code for including on readable storage medium storing program for executing can transmit with any suitable medium, packet
Include but be not limited to wireless, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
The program for executing operation of the present invention can be write with any combination of one or more programming languages
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind, including local area network (LAN) or wide area network
(WAN), it is connected to user calculating equipment, or, it may be connected to external computing device (such as utilize ISP
To be connected by internet).
In conclusion the present invention can be implemented in hardware, or the software to run on one or more processors
Module is realized, or is implemented in a combination thereof.It will be understood by those of skill in the art that micro process can be used in practice
The communications data processing units such as device or digital signal processor (DSP) come realize according to embodiments of the present invention in it is some or
The some or all functions of whole components.The present invention is also implemented as a part for executing method as described herein
Or whole device or device program (for example, computer program and computer program product).Such realization present invention
Program can store on a computer-readable medium, or may be in the form of one or more signals.Such letter
It number can be downloaded from an internet website to obtain, be perhaps provided on the carrier signal or be provided in any other form.
Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects
It describes in detail bright, it should be understood that the present invention is not inherently related to any certain computer, virtual bench or electronic equipment, various
The present invention also may be implemented in fexible unit.The above is only a specific embodiment of the present invention, is not limited to this hair
Bright, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in the present invention
Protection scope within.
Claims (10)
1. a kind of credit evaluation model modification method, comprising:
Construct credit evaluation model system, the credit evaluation model system include at least two credit evaluation models, it is described extremely
Few two credit evaluation models have different credit evaluation lowest thresholds；
Obtain user credit performance information, the user be can not by higher lowest threshold credit evaluation model and by compared with
The user of low lowest threshold credit evaluation model；
It establishes sample of users and fishes out back rule；
The user credit performance information is substituted into, fishes out back regular user as the money with higher lowest threshold for by described
Letter assessment models Add User；
The credit evaluation model with higher lowest threshold is modified with the information of historical user based on described Add User.
2. according to the method described in claim 1, the user be can not by higher lowest threshold credit evaluation model, are as follows:
After the credit performance information input of the user to the credit evaluation model with higher lowest threshold, output result is lower than institute
State higher lowest threshold；
The user by lower lowest threshold credit evaluation model, are as follows: the credit performance information input of the user is arrived
After credit evaluation model with lower lowest threshold, output result is higher than the lowest threshold of telling somebody what one's real intentions are.
3. method described in any one of -2 according to claim 1, described based on the information to Add User with historical user
Credit evaluation model with higher lowest threshold is modified, further includes:
Using revised model as the credit evaluation model with higher lowest threshold.
4. method according to any one of claim 1-3, described to fish out back rule are as follows: obtain the credit performance of the user
Information, until the user passes through the credit evaluation model with higher lowest threshold.
5. method according to any of claims 1-4, described based on the information to Add User with historical user
Credit evaluation model with higher lowest threshold is modified, further includes:
The weight of each assessment index in the adjustment credit evaluation model with higher lowest threshold.
6. method according to any one of claims 1-5, described based on the information to Add User with historical user
Credit evaluation model with higher lowest threshold is modified, the historical user includes by described with higher minimum
The user of the credit evaluation model of threshold value, the information of the historical user include the real credit performance of the historical user.
7. method according to claim 1 to 6, the real credit performance of the historical user includes described goes through
The refund of history user shows.
8. a kind of credit evaluation Modifying model device, comprising:
Model system constructs module, constructs credit evaluation model system, and the credit evaluation model system includes at least two moneys
Believe assessment models, at least two credit evaluations model has different credit evaluation lowest thresholds；
Data obtaining module, obtains the credit performance information of user, and the user is that can not be commented by higher lowest threshold standing
Estimate model and by the user of lower lowest threshold credit evaluation model；
Rule establishes module, establishes sample of users and fishes out back rule；
Module is fished out back, the user credit performance information is substituted into, it will be higher most as having by the user for fishing out back rule
The credit evaluation model of Low threshold Adds User；
Modifying model module is Added User with the information of historical user based on described to the credit evaluation with higher lowest threshold
Model is modified.
9. a kind of electronic equipment, wherein the electronic equipment includes:
Processor；And
The memory of computer executable instructions is stored, the executable instruction makes the processor execute basis when executed
Method of any of claims 1-7.
10. a kind of computer readable storage medium, wherein the computer-readable recording medium storage one or more program,
One or more of programs when being executed by a processor, realize method of any of claims 1-7.
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| CN201910578928.0A CN110348852A (en) | 2019-06-28 | 2019-06-28 | A kind of credit evaluation model modification method, device, electronic equipment |
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| CN201910578928.0A CN110348852A (en) | 2019-06-28 | 2019-06-28 | A kind of credit evaluation model modification method, device, electronic equipment |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111191894A (en) * | 2019-12-20 | 2020-05-22 | 上海淇玥信息技术有限公司 | Method and device for processing resource demand based on user classification and electronic equipment |
| CN112991034A (en) * | 2020-11-30 | 2021-06-18 | 重庆誉存大数据科技有限公司 | Model-based mini-enterprise credit assessment method, equipment and storage medium |
| CN113298360A (en) * | 2021-04-30 | 2021-08-24 | 上海淇玥信息技术有限公司 | Risk control method, device and system for resource allocation |
| CN113449873A (en) * | 2020-03-25 | 2021-09-28 | 北京同邦卓益科技有限公司 | Data processing method and device, electronic equipment and computer storage medium |
| CN113487364A (en) * | 2021-07-16 | 2021-10-08 | 上海淇馥信息技术有限公司 | Resource cost estimation method and device and electronic equipment |
| CN113610536A (en) * | 2021-08-03 | 2021-11-05 | 北京淇瑀信息科技有限公司 | User strategy distribution method and device for transaction rejection user and electronic equipment |
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2019
- 2019-06-28 CN CN201910578928.0A patent/CN110348852A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111191894A (en) * | 2019-12-20 | 2020-05-22 | 上海淇玥信息技术有限公司 | Method and device for processing resource demand based on user classification and electronic equipment |
| CN113449873A (en) * | 2020-03-25 | 2021-09-28 | 北京同邦卓益科技有限公司 | Data processing method and device, electronic equipment and computer storage medium |
| CN112991034A (en) * | 2020-11-30 | 2021-06-18 | 重庆誉存大数据科技有限公司 | Model-based mini-enterprise credit assessment method, equipment and storage medium |
| CN113298360A (en) * | 2021-04-30 | 2021-08-24 | 上海淇玥信息技术有限公司 | Risk control method, device and system for resource allocation |
| CN113298360B (en) * | 2021-04-30 | 2023-01-06 | 上海淇玥信息技术有限公司 | Risk control method, device and system for resource allocation |
| CN113487364A (en) * | 2021-07-16 | 2021-10-08 | 上海淇馥信息技术有限公司 | Resource cost estimation method and device and electronic equipment |
| CN113610536A (en) * | 2021-08-03 | 2021-11-05 | 北京淇瑀信息科技有限公司 | User strategy distribution method and device for transaction rejection user and electronic equipment |
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