CN111210337A - User credit evaluation system for loan - Google Patents
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- CN111210337A CN111210337A CN201911380651.7A CN201911380651A CN111210337A CN 111210337 A CN111210337 A CN 111210337A CN 201911380651 A CN201911380651 A CN 201911380651A CN 111210337 A CN111210337 A CN 111210337A
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Abstract
The invention discloses a user credit evaluation system for loan, which belongs to the technical field of credit evaluation and comprises a data acquisition module, a data processing and analyzing module and a display module; the data acquisition module is used for acquiring credit data of a user through different webpage archives, and comprises a webpage analysis module and a semantic analysis module, wherein the webpage analysis module is used for extracting text data in a webpage, and the voice analysis module is used for extracting structured data from the text data; the data processing and analyzing module is used for performing credit evaluation on the structured data acquired by the data acquisition module and comprises a qualification checking module, a credit evaluation module and an evaluation report generation module. By automatically collecting the credit data of the user from each webpage archive, the credit assessment of the user is more comprehensive and accurate, and the efficiency of personal data collection is improved.
Description
Technical Field
The invention relates to the technical field of credit assessment, in particular to a user credit assessment system for loan.
Background
The credit assessment refers to the credit assessment organization using expert judgment or mathematical analysis method to fully evaluate the individual and enterprise to perform various commitment ability and credit degree, and expressed by simple and clear symbols or characters to meet the social needs of market behavior. When a user needs to submit a loan application to a financial institution, the financial institution needs to evaluate the credit of the user, prevent risks and formulate loan standards.
The traditional assessment system used by a financial institution generally calls credit data of a user in a bank system to perform data analysis so as to judge whether the user has loan qualification and loanable amount, but the data acquisition range of the assessment system is only limited in the bank system, and the credit information of the user cannot be extracted from a large number of platforms, so that the accuracy of assessment results is poor, and most of general credit assessment can only screen users with bad records, and the loanable amount cannot be assessed through accurate standards, so that the assessment is not fair enough.
Disclosure of Invention
The invention aims to provide a user credit evaluation system for loan, which aims to solve the problems that the accuracy of evaluation is easily affected due to the narrow range of data collected by the user credit evaluation system for loan and the credit evaluation is not fair enough.
The invention achieves the above-mentioned purpose through the following technical scheme, a user credit assessment system for loan, the assessment system includes data acquisition module, data processing analysis module and display module;
the data acquisition module is used for acquiring credit data of a user through different webpage archives, and comprises a webpage analysis module and a semantic analysis module, wherein the webpage analysis module is used for extracting text data in a webpage, and the voice analysis module is used for extracting structured data from the text data;
the data processing and analyzing module is used for carrying out credit evaluation on the structured data acquired by the data acquisition module and comprises a qualification checking module, a credit evaluation module and an evaluation report generation module, wherein the qualification checking module is used for checking whether credit data of the user has loan qualification, the credit evaluation module is used for evaluating credit grade, and the evaluation report generation module is used for generating an evaluation result into a report form and displaying the evaluation result to the user or a loan platform through a user side.
Preferably, a database is connected between the data acquisition module and the data processing and analyzing module, and the structured data acquired by the data acquisition module is firstly stored in the database and then is accessed from the database by the data processing and analyzing module.
Preferably, the qualification checking module checks whether the user is qualified by calling a bad behavior record table made by a bank to compare with the extracted user data.
Preferably, the credit evaluation module evaluates the credit rating of the user by calling personal credit rating criteria established by a bank and comparing an autonomous rating table with the credit data of the user.
Preferably, the evaluation system further comprises a system configuration module, a data acquisition parameter configuration module, a task scheduling module and a system monitoring module.
Preferably, the system configuration module is configured to configure various parameters of system operation, including: the database is connected with the character strings and the storage positions of the log files, and further comprises user management, menu management, function management and authority management functions.
Preferably, the data acquisition parameter configuration module is configured to configure the relevant acquisition parameters, and includes: URL address, dimension of collection, XPath path of DOM parsing.
Preferably, the task scheduling module is used for executing the task period of the data acquisition module, the data acquisition module is called through the task scheduling component, and the system can support a scheduling mode of daily timing, weekly timing and monthly timing, so that the intelligent timing operation of the data acquisition module is realized.
Preferably, the system monitoring module is used for monitoring the current system running state and the data acquisition condition of each website, and has the functions of checking system alarm and error information.
Compared with the prior art, the invention has the beneficial effects that:
1. through the credit data of the user automatically collected from each webpage file, the credit assessment of the user is more comprehensive and accurate, the efficiency of personal data collection is improved, the data collection module intelligently sets data collection time through the task transferring module, the labor force of bank workers is reduced, and text data and structured data are extracted from different webpages for data collection, so that the range of data collection is enlarged, the collected data are more accurate, and the accuracy of assessment is improved.
2. The evaluation is divided into two stages, the first stage is used for screening users with bad records for qualification inspection and preparing for the second stage, the second stage is used for evaluating credit rating and calling a bad record table of bank statistics for qualification inspection, and the second stage is used for calling a personal credit rating evaluation standard and an autonomous rating table to ensure that the evaluation is fair and fair.
Drawings
Fig. 1 is a schematic diagram of the connection structure of the modules of the overall system of the present invention.
Fig. 2 is a schematic diagram of data trend of the data acquisition module and the data processing and analyzing module according to the present invention.
FIG. 3 is a schematic diagram of the connection of the internal modules of the data processing and analyzing module according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1-3, a user credit evaluation system for loans includes a data collection module, a data processing analysis module, and a presentation module; the data acquisition module is used for acquiring credit data of a user through different webpage archives, and comprises a webpage analysis module and a semantic analysis module, wherein the webpage analysis module is used for extracting text data in a webpage, and the voice analysis module is used for extracting structured data from the text data; the data processing and analyzing module is used for carrying out credit evaluation on the structured data acquired by the data acquisition module, the data processing and analyzing module comprises a qualification checking module, a credit evaluation module and an evaluation report generation module, the qualification checking module is used for checking whether credit data of the user has loan qualification, the credit evaluation module is used for evaluating credit grade, the evaluation report generation module is used for generating an evaluation result into a report form and displaying the report form to the user or a loan platform through a user terminal, the data acquisition module is used for mining the credit data of the user from the Internet through a search engine, the data are generally in a webpage, the webpage analyzing module extracts text information from the webpage data firstly and then analyzes the text information through the semantic analysis module to form structured data with uniform data format and store the structured data into a database, and the data processing and analyzing module carries out credit evaluation through accessing the data from the database, the user can inquire the credit evaluation result of the user through the user side.
The system comprises a data acquisition module, a data processing and analyzing module, a data base, a qualification checking module, a credit evaluation module, a system configuration module, a data acquisition parameter configuration module, a task scheduling module and a system monitoring module, wherein the data base is connected between the data acquisition module and the data processing and analyzing module, the structured data acquired by the data acquisition module is firstly stored in the data base, and then the data processing and analyzing module accesses the data from the data base, the qualification checking module compares the unqualified behavior record table made by calling a bank with the extracted user data to check whether the user has qualification, the credit evaluation module evaluates the credit rating of the user by calling a personal credit rating standard made by the bank and comparing an autonomous rating table with the user credit data, and the evaluation system further comprises the system configuration module, the data acquisition parameter configuration module, the task scheduling module and the: the database is connected with the storage positions of the character strings and the log files, and further comprises user management, menu management, function management and authority management functions, and the data acquisition parameter configuration module is used for configuring relevant acquisition parameters and comprises the following steps: the system comprises a URL address, collected dimensions and an XPath path analyzed by a DOM (document object model), wherein a task scheduling module is used for executing a task period of a data collection module, the data collection module is called by a task scheduling component, the system can support a scheduling mode of timing every day, timing every week and timing every month, the intelligent timing operation of the data collection module is realized, and a system monitoring module is used for monitoring the current system operation state and the data collection condition of each website and has the functions of checking system alarm and error information.
The working principle of the invention is as follows: the credit data of the user are automatically acquired from each webpage file, so that the credit evaluation of the user is more comprehensive and accurate, the personal data collection efficiency is improved, the data acquisition module intelligently sets data acquisition time through the task transferring module, the labor force of bank workers is reduced, text data and structured data are extracted from different webpages for data acquisition, and the data acquisition range is expanded, so that the acquired data are more accurate, and the evaluation accuracy is improved; the evaluation is divided into two stages, the first stage is used for screening users with bad records for qualification inspection and preparing for the second stage, the second stage is used for evaluating credit rating and calling a bad record table of bank statistics for qualification inspection, and the second stage is used for calling a personal credit rating evaluation standard and an autonomous rating table to ensure that the evaluation is fair and fair.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.
Furthermore, it should be understood that although the present description refers to embodiments, not every embodiment may contain only a single embodiment, and such description is for clarity only, and those skilled in the art should integrate the description, and the embodiments may be combined as appropriate to form other embodiments understood by those skilled in the art.
Claims (9)
1. A user credit evaluation system for loan is characterized in that the evaluation system comprises a data acquisition module, a data processing and analyzing module and a display module;
the data acquisition module is used for acquiring credit data of a user through different webpage archives, and comprises a webpage analysis module and a semantic analysis module, wherein the webpage analysis module is used for extracting text data in a webpage, and the voice analysis module is used for extracting structured data from the text data;
the data processing and analyzing module is used for carrying out credit evaluation on the structured data acquired by the data acquisition module and comprises a qualification checking module, a credit evaluation module and an evaluation report generation module, wherein the qualification checking module is used for checking whether credit data of the user has loan qualification, the credit evaluation module is used for evaluating credit grade, and the evaluation report generation module is used for generating an evaluation result into a report form and displaying the evaluation result to the user or a loan platform through a user side.
2. The system of claim 1, wherein a database is connected between the data collection module and the data processing and analysis module, and the structured data collected by the data collection module is stored in the database and then accessed from the database by the data processing and analysis module.
3. The system of claim 1, wherein the qualification module is configured to check the qualification of the user by calling a bank-defined bad behavior record table to compare the extracted user data with the extracted user data.
4. The system of claim 1, wherein the credit assessment module assesses the user's credit rating by invoking bank-established personal credit rating criteria and an autonomic rating table against the user's credit data.
5. The system of claim 1, wherein the system further comprises a system configuration module, a data collection parameter configuration module, a task scheduling module, and a system monitoring module.
6. The system of claim 5, wherein the system configuration module is configured to configure the system to operate according to parameters including: the database is connected with the character strings and the storage positions of the log files, and further comprises user management, menu management, function management and authority management functions.
7. The system of claim 5, wherein the data collection parameter configuration module is configured to configure the relevant collection parameters including: URL address, dimension of collection, XPath path of DOM parsing.
8. The system for loan user credit assessment according to claim 5, wherein the task scheduling module is used for the task cycle execution of the data acquisition module, the data acquisition module will be called by the task scheduling component, and the system can support the scheduling mode of daily timing, weekly timing and monthly timing, so as to realize the intelligent timing operation of the data acquisition module.
9. The system of claim 5, wherein the system monitoring module is configured to monitor the current system operating status and data collection status of each website, and further comprises a function of checking system alarms and error messages.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911380651.7A CN111210337A (en) | 2019-12-27 | 2019-12-27 | User credit evaluation system for loan |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911380651.7A CN111210337A (en) | 2019-12-27 | 2019-12-27 | User credit evaluation system for loan |
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Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20030065614A1 (en) * | 2001-10-01 | 2003-04-03 | Sweeney Joan M. | Method and system for rules based underwriting |
| CN105550809A (en) * | 2015-12-08 | 2016-05-04 | 安徽融信金模信息技术有限公司 | Credit reporting system for assessment of enterprise credit |
| CN108648072A (en) * | 2018-05-18 | 2018-10-12 | 深圳灰猫科技有限公司 | Internet finance lending risk evaluating system based on user credit dynamic grading |
| CN108648074A (en) * | 2018-05-18 | 2018-10-12 | 深圳壹账通智能科技有限公司 | Loan valuation method, apparatus based on support vector machines and equipment |
| CN109325844A (en) * | 2018-06-25 | 2019-02-12 | 南京工业大学 | Net under multidimensional data borrows borrower's credit assessment method |
-
2019
- 2019-12-27 CN CN201911380651.7A patent/CN111210337A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20030065614A1 (en) * | 2001-10-01 | 2003-04-03 | Sweeney Joan M. | Method and system for rules based underwriting |
| CN105550809A (en) * | 2015-12-08 | 2016-05-04 | 安徽融信金模信息技术有限公司 | Credit reporting system for assessment of enterprise credit |
| CN108648072A (en) * | 2018-05-18 | 2018-10-12 | 深圳灰猫科技有限公司 | Internet finance lending risk evaluating system based on user credit dynamic grading |
| CN108648074A (en) * | 2018-05-18 | 2018-10-12 | 深圳壹账通智能科技有限公司 | Loan valuation method, apparatus based on support vector machines and equipment |
| CN109325844A (en) * | 2018-06-25 | 2019-02-12 | 南京工业大学 | Net under multidimensional data borrows borrower's credit assessment method |
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Application publication date: 20200529 |