CN110738565A - Real estate finance artificial intelligence composite wind control model based on data set - Google Patents
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Abstract
The invention discloses a data set-based real estate finance artificial intelligence composite wind control model, which is realized by the following steps: data merging, data processing, model training and model output; the data are merged into merging operation of multiple data sources, the data sources are multidimensional original data obtained based on client authorization, a data set is obtained after the data are merged, models are based on the data set, model training is carried out on the merged data set by utilizing a multi-supervised learning model including but not limited to logistic regression, decision trees, random forests and the like, and finally a visual wind control result is output.
Description
Technical Field
The invention relates to a data set-based real estate finance artificial intelligence composite wind control model, belonging to the technical field of real estate finance wind control
Technical Field
Most of the existing house property financial businesses are implemented offline, relevant credit investigation records, historical default conditions, liability conditions and the like of an applicant are collected, and an experienced credit investigation wind control staff carries out manual examination and verification on the applicant to judge whether the applicant has corresponding repayment capacity and repayment willingness. Therefore, the requirements on the experience of the crediting and auditing wind control personnel are very important, the crediting and auditing wind control personnel with rich experience also need to control the bad account loss of the business within a reasonable range through long-term accumulated self experience, but the time cost of cultivation of the experienced crediting and auditing wind control personnel is huge, the labor cost is high, the flow and the method cannot be accurately described based on the judgment of the experience, and the difficulty in teaching is high.
Therefore, types of wind control models can be obtained by fitting and training the collected data sets through a mathematical model by a machine, the effect of autonomous learning is achieved, and types of wind control models with the risk judgment capability are finally formed, so that the application of the wind control models in business is very important, and therefore, the invention is types of house property financial artificial intelligence composite wind control models based on the data sets.
Disclosure of Invention
Aiming at the defects of the existing business, the invention aims to provide real estate finance artificial intelligence composite wind control models based on data sets so as to solve the problems existing in the background.
In order to achieve the purpose, the invention provides the following technical implementation scheme: the real estate finance artificial intelligence composite wind control model based on the data set is realized by the following steps:
1. data processing: firstly, classifying the real estate financial wind control model data into 4 dimensions; namely, the real estate data, the pre-loan data, the anti-fraud data and the data in the loan, in the 4 dimensions, the data of each dimension is further subdivided, and after the data of each dimension is determined, the original data is processed, specifically: the method comprises the following steps of obtaining unstructured data through an API (application programming interface) interface, cleaning the unstructured data to obtain structured data, and classifying the data of each dimension as follows:
the real estate data: the property data comprises property information, property estimation data, property fluctuation data and the like of each city;
pre-loan data: the pre-loan data is the data of the applicant, including the current state of debt, historical credit condition, consumption capacity, repayment capacity and the like;
anti-fraud data: anti-fraud data provides and collects online and offline multidimensional data and the like for the applicant;
data in loan: the data in the loan are repayment data, house property value future fluctuation prediction data, loan entry data and the like, and the repayment data is formed according to monthly repayment data after the borrowing of the applicant is successful and whether the loan is overdue or bad.
2. And (3) performing model training on the obtained data set, namely performing model training on the data set combined by the 4 dimensions in the step by using a multi-supervised learning model including but not limited to logistic regression, decision trees, random forests and the like, and specifically performing the following steps:
①, determining the number of characteristic variables, namely, acquiring 300 characteristic data from an API (application programming interface), adding 100 special data generated by a service, cleaning and processing to remove 30 variables, and finally determining 370 variable dimensions in total;
② training model, putting the determined characteristic variable table into the model to train to obtain an output field, wherein the field represents the default probability of the user, and for the training of the model, the data is trained by taking the decision tree model and the logistic regression as examples:
2.1 decision Tree model
In the probability theory, the information entropy gives ways for measuring uncertainty, and is used for measuring uncertainty of random variables, and the entropy is the expected value of the information, if the objects to be classified are possibly divided into N classes, namely X1, X2, … … and xn, and the probabilities obtained by each class are P1, P2, … … and Pn, respectively, the entropy of X is defined as:
When the random variable takes only two values, i.e., the distribution of X is P (X-1) P, X (X-0) 1-P, and 0 ≦ P ≦ 1, the entropy is: h (x) -plog2(p) - (1-p) log2 (1-p);
through the formula, each node in the data can be determined, finally, the optimal feature selection of the final decision model can be obtained through the priority of the node, and after the prediction selection of the model, the output probability can represent the credit qualification of the user:
2.2 logistic regression model
Putting the variables determined in the step 1 quantity determination into a logistic regression model for training to obtain an output field, wherein the field represents the default probability of the user and is represented by the following model formula of logistic regression:
the logistic regression is sense linear regression, a formula model of the logistic regression is quite similar to the linear regression, w 'x + b is provided, w and b are parameters needing to be fitted specifically, namely y is w' x + b, effective w and b can be fitted by putting processed and determined variables into a formula for calculation, so that a service binary classification effect is achieved, when the model is trained, new user data are introduced into the model again for prediction, the model can effectively give default probability of a user, and accordingly risk of the user can be judged according to the default probability.
3. And combining the obtained result with unstructured data in loan service, performing composite weighting, and finally outputting a prediction result and a judgment result of a composite model, wherein the method is characterized in that the results output by the two models are combined with unstructured data in loan service and two model weight factors x1 and x2 to perform composite weighting, and the prediction result of the composite model is output, and the specific process is as follows:
logistic regression model result x1+ decision tree result x2+ real estate valuation + loan amount + r ═ y
Wherein r is noise, the result y output above is calculated by a sigmod activation function:
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FIG. 1 is a flow chart of implementation steps of real estate finance artificial intelligence composite wind control models based on data sets.
Detailed Description
The real estate finance composite wind control model based on the data set is characterized in that the real estate finance composite wind control model under the multiple data sets is realized by the following steps:
1. data processing: firstly, classifying the real estate financial wind control model data into 4 dimensions; namely, the real estate data, the pre-loan data, the anti-fraud data and the data in the loan, in the 4 dimensions, the data of each dimension is further subdivided, and after the data of each dimension is determined, the original data is processed, specifically: the method comprises the following steps of obtaining unstructured data through an API (application programming interface) interface, cleaning the unstructured data to obtain structured data, and classifying the data of each dimension as follows:
the real estate data: the property data comprises property information, property estimation data, property fluctuation data and the like of each city;
pre-loan data: the pre-loan data is the data of the applicant, including the current state of debt, historical credit condition, consumption capacity, repayment capacity and the like;
anti-fraud data: anti-fraud data provides and collects online and offline multidimensional data and the like for the applicant;
data in loan: the data in the loan are repayment data, house property value future fluctuation prediction data, loan entry data and the like, and the repayment data is formed according to monthly repayment data after the borrowing of the applicant is successful and whether the loan is overdue or bad.
2. And (3) performing model training on the obtained data set, namely performing model training on the data set combined by the 4 dimensions in the step by using a multi-supervised learning model including but not limited to logistic regression, decision trees, random forests and the like, and specifically performing the following steps:
①, determining the number of characteristic variables, namely, acquiring 300 characteristic data from an API (application programming interface), adding 100 special data generated by a service, cleaning and processing to remove 30 variables, and finally determining 370 variable dimensions in total;
② training model, putting the determined characteristic variable table into the model to train to obtain an output field, wherein the field represents the default probability of the user, and for the training of the model, the data is trained by taking the decision tree model and the logistic regression as examples:
2.1 decision Tree model
In the probability theory, the information entropy gives ways for measuring uncertainty, and is used for measuring uncertainty of random variables, and the entropy is the expected value of the information, if the objects to be classified are possibly divided into N classes, namely X1, X2, … … and xn, and the probabilities obtained by each class are P1, P2, … … and Pn, respectively, the entropy of X is defined as:
through the formula, each node in the data can be determined, finally, the optimal feature selection of the final decision model can be obtained through the priority of the node, and after the prediction selection of the model, the output probability can represent the credit qualification of the user;
2.2 logistic regression model
Putting the variables determined in the step 1 quantity determination into a logistic regression model for training to obtain an output field, wherein the field represents the default probability of the user and is represented by the following model formula of logistic regression:
the logistic regression is sense linear regression, a formula model of the logistic regression is quite similar to the linear regression, w 'x + b is provided, w and b are parameters needing to be fitted specifically, namely y is w' x + b, effective w and b can be fitted by putting processed and determined variables into a formula for calculation, so that a service binary classification effect is achieved, when the model is trained, new user data are introduced into the model again for prediction, the model can effectively give default probability of a user, and accordingly risk of the user can be judged according to the default probability.
3. And combining the obtained result with unstructured data in loan service, performing composite weighting, and finally outputting a prediction result and a judgment result of a composite model, wherein the method is characterized in that the results output by the two models are combined with unstructured data in loan service and two model weight factors x1 and x2 to perform composite weighting, and the prediction result of the composite model is output, and the specific process is as follows:
logistic regression model result x1+ decision tree result x2+ real estate valuation + loan amount + r ═ y
Wherein r is noise, the result y output above is calculated by a sigmod activation function:
By adopting the technical method, in the aspect of , the machine can automatically generate the wind control judgment rule, the risk and the error possibly caused in the subjective judgment of manpower are effectively avoided, the production efficiency is improved, the personnel cost of an enterprise is effectively reduced, in the aspect of , along with the fact that the machine continuously obtains the learning data, the learning effect of the model is better and better, the prediction accuracy is higher and higher, the loan risk of a financial institution can be reduced to a great extent, and the profit income of the enterprise is improved.
Claims (6)
1. The real estate finance artificial intelligence composite wind control model based on the data set is realized by the following steps:
data processing: firstly, classifying the real estate financial wind control model data into 4 dimensions; namely, the real estate data, the pre-loan data, the anti-fraud data and the data in the loan, in the 4 dimensions, the data of each dimension is further subdivided, and after the data of each dimension is determined, the original data is processed, specifically: the method comprises the following steps of obtaining unstructured data through an API (application programming interface) interface, cleaning the unstructured data to obtain structured data, and classifying the data of each dimension as follows:
the real estate data: the property data comprises property information, property estimation data, property fluctuation data and the like of each city;
pre-loan data: the pre-loan data is the data of the applicant, including the current debt situation, the historical credit situation, the consumption capacity, the repayment capacity and the like;
anti-fraud data: anti-fraud data provides and collects online and offline multidimensional data and the like for the applicant;
data in loan: the data in the loan are repayment data, house property value future fluctuation prediction data, loan entry data and the like, and the repayment data is formed according to monthly repayment data after the borrowing of the applicant is successful and whether the loan is overdue or bad.
2. Model training of the 4-dimensional merged data set in step using a multi-supervised learning model including but not limited to logistic regression, decision trees, random forests, etc., the specific steps are as follows:
①, determining the number of characteristic variables, namely, acquiring 300 characteristic data from an API (application programming interface), adding 100 special data generated by a service, cleaning and processing to remove 30 variables, and finally determining 370 variable dimensions in total;
② training model, putting the determined characteristic variable table into the model to train to obtain an output field, wherein the field represents the default probability of the user, and for the training of the model, the data is trained by taking the decision tree model and the logistic regression as examples:
2.1 decision Tree model
In the probability theory, the information entropy gives ways for measuring uncertainty, and is used for measuring uncertainty of random variables, and the entropy is the expected value of the information, if the objects to be classified are possibly divided into N classes, namely X1, X2, … … and xn, and the probabilities obtained by each class are P1, P2, … … and Pn, respectively, the entropy of X is defined as:
When the random variable takes only two values, i.e., the distribution of X is P (X-1) P, X (X-0) 1-P, and 0 ≦ P ≦ 1, the entropy is: h (x) -plog2(p) - (1-p) log2 (1-p);
through the formula, each node in the data can be determined, finally, the optimal feature selection of the final decision model can be obtained through the priority of the node, and after the prediction selection of the model, the output probability can represent the credit qualification of the user;
2.2 logistic regression model
Putting the variables determined in the step 1 quantity determination into a logistic regression model for training to obtain an output field, wherein the field represents the default probability of the user and is represented by the following model formula of logistic regression:
the logistic regression is sense linear regression, a formula model of the logistic regression is quite similar to the linear regression, w 'x + b is provided, w and b are parameters needing to be fitted specifically, namely y is w' x + b, effective w and b can be fitted by putting processed and determined variables into a formula for calculation, so that a service binary classification effect is achieved, when the model is trained, new user data are introduced into the model again for prediction, the model can effectively give default probability of a user, and accordingly risk of the user can be judged according to the default probability.
3. The method according to claim 2, wherein the results obtained by the method are combined with unstructured data in the loan service and then subjected to composite weighting, and the prediction result and the judgment result of the composite model are finally output, wherein the method comprises the following steps of performing composite weighting on the results output by the two models and the results output by the method combined with unstructured data in the loan service and two model weighting factors x1 and x2, and outputting the prediction result of the composite model, wherein the method comprises the following specific steps:
logistic regression model result x1+ decision tree result x2+ real estate valuation + loan amount + r ═ y
Wherein r is noise, the result y output above is calculated by a sigmod activation function:
4. The data set-based real estate finance artificial intelligence composite wind control model according to claim 1, characterized in that: an effective data source can be formed in the acquisition, processing and change processes of the service data with 4 dimensions, so that the establishment of an accurate model is effectively assisted.
5. The processing of a data set using a multi-supervised learning model as recited in claim 2, by: the method comprises the steps of modeling data through machine learning models including but not limited to a decision tree model, a random forest model and a logistic regression model in machine learning, determining a result output by each model and determining a weight parameter through adjusting parameters of the models, and finally obtaining a wind control result which has guiding significance to business through carrying out composite calculation on the results output by multiple models and weights.
6. The method as claimed in claim 3, wherein the method comprises the steps of performing composite weighting on unstructured data in the loan transaction, and finally outputting a prediction result and a judgment result of a composite model, wherein after the technical method is adopted, in the aspect of , a machine can automatically generate a wind control judgment rule, risks and errors possibly caused in human subjective judgment are effectively avoided, production efficiency is improved, and enterprise personnel cost is effectively reduced, in addition, in the aspect of , as the machine continuously obtains learning data, the model learning effect is better and better, the prediction accuracy is higher and higher, the loan risk of a financial institution can be reduced to a great extent, and accordingly profit income of an enterprise is improved.
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| CN112947959A (en) * | 2021-01-29 | 2021-06-11 | 京东方科技集团股份有限公司 | Updating method and device of AI service platform, server and storage medium |
| CN113538154A (en) * | 2021-07-23 | 2021-10-22 | 同盾科技有限公司 | Risk object identification method and device, storage medium and electronic equipment |
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