CN113822753A - Credit report generation method, credit report generation device, computer equipment and storage medium - Google Patents

Credit report generation method, credit report generation device, computer equipment and storage medium Download PDF

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CN113822753A
CN113822753A CN202110899169.5A CN202110899169A CN113822753A CN 113822753 A CN113822753 A CN 113822753A CN 202110899169 A CN202110899169 A CN 202110899169A CN 113822753 A CN113822753 A CN 113822753A
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credit
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王锦胤
逄崇鸿
史延莹
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Zijincheng Credit Investigation Co ltd
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Zijincheng Credit Investigation Co ltd
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    • G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
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Abstract

The application discloses a credit report generation method, a credit report generation device, computer equipment and a storage medium. A credit report generation method, comprising: acquiring a report template identifier to be configured; the report template identifier to be configured is determined according to a target service scene where a user is located; selecting a report dimension corresponding to the report template identifier to be configured and a credit scoring model according to the target service scene; generating a credit report template corresponding to the target service scene according to the report dimension and the credit scoring model; and inputting the dimension data corresponding to the report dimension into the credit report template for analysis, and generating a user credit report. The method can improve the generation efficiency of the credit report.

Description

Credit report generation method, credit report generation device, computer equipment and storage medium
Technical Field
The present application relates to the field of computer technologies, and in particular, to a credit report generation method, apparatus, computer device, and storage medium.
Background
The credit report refers to a report generated by a financial institution evaluating the risk condition and the credit condition of a business or a natural person credit field. The credit report can be applied to various fields of bank credit approval, supply chain finance, post-loan management, financial auditing and the like. Conventionally, a user credit report is generated by manually reviewing a user's loan request. When the data volume of the loan request is large, the traditional method cannot quickly generate a credit report.
Disclosure of Invention
A primary object of the present application is to provide a credit report generation method, apparatus, computer device, and storage medium capable of improving the generation efficiency of a credit report, so as to solve the above-mentioned problems.
In order to achieve the above object, according to one aspect of the present application, there is provided a credit report generating method including:
acquiring a report template identifier to be configured; the report template identifier to be configured is determined according to a target service scene where a user is located;
selecting a report dimension corresponding to the report template identifier to be configured and a credit scoring model according to the target service scene;
generating a credit report template corresponding to the target service scene according to the report dimension and the credit scoring model;
and inputting the dimension data corresponding to the report dimension into the credit report template for analysis, and generating a user credit report.
In one embodiment, the generating a credit report template corresponding to the target service scenario according to the report dimension and the credit scoring model includes:
calculating the configuration cost corresponding to the report template identifier to be configured according to the report dimension;
and when the confirmation operation of the configuration cost is received, generating a credit report template corresponding to the target service scene according to the report dimension and the credit score model.
In one embodiment, the inputting the dimension data corresponding to the report dimension into the credit report template for parsing to generate the user credit report includes:
inputting dimension data corresponding to the report dimension into the credit report template;
and analyzing the dimension data through a credit scoring model in the credit report template, and generating a user credit report according to an analysis result.
In one embodiment, the obtaining of the report template identifier to be configured includes:
and determining the report template identifier to be configured according to the target service scene and the service node corresponding to the target service scene.
In one embodiment, the reporting dimension comprises: user identity information, user attributes, behavior information, and operator information.
In one embodiment, the user credit report includes node reports corresponding to different service nodes in the target service scenario; the method further comprises the following steps:
in the process of configuring a credit report template of a current service node, calling a node report of a target service node;
and configuring a credit report template of the current service node according to the called node report.
In order to achieve the above object, according to a second aspect of the present application, there is provided a credit report generating apparatus; the device includes:
the identification acquisition module is used for acquiring the identification of the report template to be configured; the report template identifier to be configured is determined according to a target service scene where a user is located;
the template configuration module is used for selecting a report dimension corresponding to the report template identifier to be configured and a credit scoring model according to the target service scene;
the template generating module is used for generating a credit report template corresponding to the target service scene according to the report dimension and the credit scoring model;
and the report generation module is used for inputting the dimension data corresponding to the report dimension into the credit report template for analysis to generate a user credit report.
In one embodiment, the template generating module is further configured to calculate, according to the report dimension, a configuration cost corresponding to the to-be-configured report template identifier; and when the confirmation operation of the configuration cost is received, generating a credit report template corresponding to the target service scene according to the report dimension and the credit scoring model.
In order to achieve the above object, according to a third aspect of the present application, there is provided a computer device comprising a memory and a processor, the memory storing a computer program operable on the processor, the processor implementing the steps in the above method embodiments when executing the computer program.
According to a fourth aspect of the present application, a computer-readable storage medium is provided, on which a computer program is stored, which computer program, when being executed by a processor, carries out the steps of the above-mentioned respective method embodiments.
According to the technical scheme, after the report template identification to be configured is obtained, the report dimension corresponding to the report template identification to be configured and the credit scoring model can be automatically selected according to the target service scene, so that the credit report template corresponding to the target service scene is generated according to the report dimension and the credit scoring model, and then dimension data corresponding to the report dimension is input into the credit report template for analysis, and a user credit report is generated. And manual examination is not needed, and the generation efficiency of the credit report is effectively improved. Meanwhile, the embodiment realizes the self-defined configuration of the credit report template aiming at the concerned data dimensions of different service scenes so as to generate the credit report of the user, and can more accurately construct the credit report for the credit subject.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, serve to provide a further understanding of the application and to enable other features, objects, and advantages of the application to be more apparent. The drawings of the illustrative embodiments of the present application and their description are for explanation of the application and do not constitute an undue limitation on the application. In the drawings:
FIG. 1 is a diagram of an application environment of a credit report generation method in one embodiment;
FIG. 2 is a flow diagram illustrating a method for generating a credit report in one embodiment;
FIG. 3 is a flowchart illustrating the steps of generating a credit report template in one embodiment;
FIG. 4 is a block diagram of a credit report generation mechanism in one embodiment;
FIG. 5 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present application without any creative effort shall fall within the protection scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be used. Moreover, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover non-exclusive inclusions, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than that illustrated herein.
The credit report generation method provided by the application can be applied to the application environment shown in fig. 1. Wherein the user terminal 102 and the evaluation terminal 104 communicate via a network. The evaluation terminal 104 receives the loan application request sent by the user terminal 102, and analyzes the loan application request to obtain a target business scene where the user is located. The evaluation terminal 104 acquires the report template identifier to be configured according to the target service scene where the user is located, selects the report dimension corresponding to the report template identifier to be configured and the credit scoring model according to the target service scene, thereby generating the credit report template corresponding to the target service scene according to the report dimension and the credit scoring model, and further inputting the dimension data corresponding to the report dimension into the credit report template for analysis, thereby generating the user credit report. The financial institution may determine whether to credit the user based on the user credit report generated by the evaluation terminal. The user terminal 102 and the evaluation terminal 104 may be, but are not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices.
In one embodiment, as shown in fig. 2, a credit report generation method is proposed, which is described by taking the application of the method to the server in fig. 1 as an example, and includes the following steps:
step 202, acquiring a report template identifier to be configured; the report template identification to be configured is determined according to the target service scene where the user is located.
The report template identifier to be configured refers to a unique identifier used for marking the report template to be configured, such as a name of the report template to be configured. The target service scene of the user refers to an application scene of the credit report, and the target service scene can be service scenes of consumption class staging, cash credit, credit card compensation and the like.
A user needing loan application can initiate a loan application request through a user terminal, the loan application request is sent to an evaluation terminal, and the evaluation terminal analyzes the loan application request after receiving the loan application request to obtain a target service scene where the user is located. The evaluation terminal can obtain the report template identifier to be configured according to the target service scene where the user is located, and specifically, the evaluation terminal obtains the report template identifier to be configured, which is determined by the financial institution according to the target service scene.
And 204, selecting a report dimension corresponding to the report template identifier to be configured and a credit scoring model according to the target service scene.
The evaluation terminal stores massive data dimensions in advance, and the massive data dimensions are generated in advance through technical means such as cleaning, processing, integration and operation and are used for determining report dimensions in the process of self-defining configuration of the credit report template. For example, more than 1000 data dimensions may be stored in advance in the evaluation terminal.
And carrying out big data analysis on the massive data dimensions according to the target service scene so as to select corresponding report dimensions. The reporting dimension is a reporting dimension concerned by the target business scenario, and the reporting dimension concerned by different business scenarios can be different.
And determining the report dimension so as to determine the wind control data required to be collected by the report. The wind control data sources comprise user incoming data (personal information, contact information and equipment information), internal system production data (user behavior data, order detail data, risk list data and middlebox derivative data) and external organization cooperation data (personal identity data, operator information, network credit investigation data, network loan data, network social data, network consumption data, network trip data, enterprise credit investigation data and the like), and the evaluation terminal can collect, store, process, mine and analyze the wind control data on the basis of legal compliance so as to obtain report dimensions and dimension data corresponding to a target business scene.
For example, in the pre-loan audit report, basic information of the credit subject is checked first, such as name, identification number, mobile phone number, and location of ownership, and the identification number and the location of ownership of the mobile phone number can help to determine the user's residence and place of residence of the client. The anti-fraud service scene can configure the pre-credit anti-fraud report in a self-defined mode, and the anti-fraud scene is the most concerned risk list data dimension.
The evaluation terminal also needs to determine a credit scoring model, and the credit scoring model is used for carrying out credit evaluation on the user. The creation of the model includes rule strategies and model algorithms. The rule policy may be a rule priority policy. The rule priority policy is to follow the principle that an own rule is prior to an external rule to operate (for example, a local blacklist is prior to an external blacklist), a rule without cost or with low cost is prior to a rule with high cost (for example, a rule for charging by hitting in an external three-party credit can be prior to a rule for charging by inquiring each time), a rule with low performance consumption is prior to a rule with high performance consumption to operate (for example, after secondary processing and convergence are needed, a wind control rule with high performance consumption for judging the convergence result can be operated in a rear-arranged mode), and a necessary wind control rule is not required to be operated immediately (for example, a necessary rule is required to determine whether a three-element of a user and a four-element of a bank card are consistent or not).
The credit scoring model can be called as a wind control model, the wind control model runs through the whole user life cycle of getting customers, admittance, operation and overdue, different wind control models exist in different stages in different service scenes, for example, for consumption financial products, the wind control model can be divided into a pre-loan credit risk model, a pre-loan fraud detection model, a behavior risk model and a post-loan collection model according to different stages of the user life cycle.
In one embodiment, the reporting dimension includes: user identity information, user attributes, behavior information, negative information, and operator information. The report dimension corresponding to the target business scenario may be determined by big data analysis of the data source of the wind control data.
And step 206, generating a credit report template corresponding to the target service scene according to the report dimension and the credit scoring model.
And step 208, inputting the dimension data corresponding to the report dimension into a credit report template for analysis, and generating a user credit report.
After determining the report dimension and the credit scoring model, the evaluation terminal can generate a credit report template according to the report dimension and the credit scoring model. And inputting the dimension data corresponding to the selected report dimension into a corresponding template item of the credit report template, analyzing the dimension data through the credit scoring model to obtain a credit evaluation result of the user, and generating a credit report of the user according to the credit evaluation result.
The user may be a business or an individual and, accordingly, the user credit reports may include business credit reports and personal credit reports. The credit report configured by the enterprise subject in a self-defined way is mainly used for credit approval, supply chain finance and post-loan management of commercial banks, and can also be used for many activities such as award evaluation, bid invitation of government departments or financial audit of audit organizations and the like. The credit report configured by the individual subject in a self-defined way can be applied to the credit fields of cash loan products, consumption stage products, salary group credit loan, business loan, automobile stage mortgage, automobile loan, financing lease and the like.
In this embodiment, after the report template identifier to be configured is obtained, the report dimension and the credit scoring model corresponding to the report template identifier to be configured may be automatically selected according to the target service scenario, so that the credit report template corresponding to the target service scenario is generated according to the report dimension and the credit scoring model, and then the dimension data corresponding to the report dimension is input into the credit report template for analysis, so as to generate the user credit report. Manual checking is not needed, and the generation efficiency of the credit report is effectively improved. Meanwhile, the embodiment realizes the self-defined configuration of the credit report template aiming at the concerned data dimensions of different service scenes so as to generate the credit report of the user, and can more accurately construct the credit report for the credit subject.
In one embodiment, as shown in fig. 3, the step of generating a credit report template corresponding to the target business scenario according to the report dimension and the credit scoring model may include:
and 302, calculating the configuration cost corresponding to the report template identifier to be configured according to the report dimension.
And 304, when the confirmation operation of the configuration cost is received, generating a credit report template corresponding to the target service scene according to the report dimension and the credit score model.
And the evaluation terminal calculates the cost for self-defining the configuration of the credit report template in real time according to the selected report dimension through the charging system, generates cost prompt information and feeds the cost prompt information back to the user terminal. And when receiving a cost confirmation message and a payment completion message returned by the user terminal, the evaluation terminal completes the configuration of the credit report template, and generates a credit report template corresponding to the target business scene according to the configuration dimension of the report template and the credit scoring model. The billing system may also record the user's consumption messages.
In the traditional mode, whether the financial institution needs to credit all the data in the report or not, all the data needs to be purchased and then used. In the embodiment, the financial institution only needs to calculate the cost for self-defining and configuring the credit report template according to the report dimension selected by the target service scene, the report can be self-defined according to the actual requirement and the data query cost can be delivered, inquirers and information providers do not need to worry about the problem that the self authority and the uniqueness are weakened because the data held by the inquirers and the information providers are thoroughly provided and leaked, and meanwhile, the financial institution also does not need to buy all related information at the condition of only needing a small part of credit information, thereby being beneficial to both parties and enabling the credit wind control process to be more flexible and efficient.
In one embodiment, inputting the dimension data corresponding to the report dimension into a credit report template for analysis to generate a user credit report, including: inputting dimension data corresponding to report dimensions into a credit report template; and analyzing the dimension data through a credit scoring model in the credit report template, and generating a user credit report according to an analysis result.
In the process of generating the credit report template corresponding to the target service scenario according to the report dimension and the credit scoring model, the dimension data corresponding to the report dimension is obtained, and the query cost of the dimension data may be paid. The evaluation terminal needs to evaluate the credit of the user according to the dimension data corresponding to the report dimension, and therefore the dimension data corresponding to the report dimension needs to be input into a corresponding template item of the credit report template. The credit report template selects a credit scoring model in advance in the self-defining configuration process, and the credit scoring model is determined according to a target service scene and a service node corresponding to the scene. The dimension data can be analyzed according to the credit rating model, the credit evaluation result of the user is determined, and therefore the user credit report is generated according to the credit evaluation result.
In this embodiment, the credit scoring model is a model corresponding to a preselected target service scenario, and the accuracy of the credit report is greatly improved by performing credit evaluation on the dimensional data through the model.
In one embodiment, obtaining the report template identifier to be configured includes: and determining the report template identifier to be configured according to the target service scene and the service node corresponding to the target service scene.
The target business scenario may be a consumer category stage, cash credit or credit card compensation, etc. Each service scenario includes a plurality of service nodes, such as pre-loan, mid-loan, and post-loan. The evaluation terminal can determine the report template identification to be configured according to the target service scene and the corresponding service node, and configure a self-defined credit report template for each service node, so that the credit risk of the user in different wind control stages is evaluated.
In one embodiment, the user credit reports comprise node reports corresponding to different service nodes in the target service scenario; the method further comprises the following steps: in the process of configuring a credit report template of a current service node, calling a node report of a target service node; and configuring a credit report template of the current service node according to the called node report.
The user credit report comprises node reports corresponding to different service nodes in a target service scene, the node reports corresponding to the different service nodes refer to node reports of different life cycles, and the reports of a plurality of life cycles are automatically called and configured. Specifically, when the credit report template is configured at the current service node, the node reports of other service nodes may be called, so that the credit report template of the current service node is configured according to the called node report.
For example, after the anti-fraud report template is configured, the anti-fraud report template enters an identity verification link, and at the moment, the identity verification report can be configured in a user-defined mode to check whether the name and identity number of the verification user are real, whether the name, identity number and mobile phone number are consistent, whether the provided bank card is the same, and after the loan is successfully made, the loan fund is prevented from being falsely used in the account of another person. The user who passes the identity verification report can further check the pre-loan verification report, for example, the user can perform custom configuration of the pre-loan verification report through the acquired multi-head loan information, consumption data, income data, mobile phone numbers, online state and online time data, even social security public deposit, occupation information, academic information, central bank credit and the like submitted by the user.
In this embodiment, the node reports corresponding to different service nodes may automatically invoke configuration, thereby improving the configuration efficiency of the credit report template.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than that illustrated herein.
In a second aspect of the present application, as shown in fig. 4, there is provided a credit report generation apparatus, including: an identity acquisition module 402, a template configuration module 404, a template generation module 406, and a report generation module 408, wherein:
an identifier obtaining module 402, configured to obtain a report template identifier to be configured; the report template identification to be configured is determined according to the target service scene where the user is located.
And the template configuration module 404 is configured to select, according to the target service scenario, a report dimension corresponding to the report template identifier to be configured, and a credit scoring model.
And the template generating module 406 is configured to generate a credit report template corresponding to the target service scenario according to the report dimension and the credit scoring model.
The report generation module 408 is configured to input the dimension data corresponding to the report dimension into the credit report template for parsing, so as to generate a user credit report.
In an embodiment, the template generating module 406 is further configured to calculate a configuration cost corresponding to the template identifier of the report to be configured according to the report dimension; and when the confirmation operation of the configuration cost is received, generating a credit report template corresponding to the target service scene according to the report dimension and the credit scoring model.
In one embodiment, the report generation module 408 is further configured to input dimension data corresponding to the report dimension into the credit report template; and analyzing the dimension data through a credit scoring model in the credit report template, and generating a user credit report according to an analysis result.
In an embodiment, the identifier obtaining module 402 is further configured to determine the report template identifier to be configured according to the target service scenario and the service node corresponding to the target service scenario.
In one embodiment, the reporting dimension includes: user identity information, user attributes, behavior information, and carrier information.
In one embodiment, the user credit reports comprise node reports corresponding to different service nodes in the target service scenario; the above-mentioned device still includes: in the process of configuring a credit report template of a current service node, calling a node report of a target service node; and configuring a credit report template of the current service node according to the called node report.
For the specific definition of the credit report generation device, the above definition of the credit report generation method can be referred to, and details are not repeated here. The respective modules in the credit report generation apparatus described above may be implemented in whole or in part by software, hardware, and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 5. The computer device includes a processor, a memory, a network interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a credit report generation method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.
Those skilled in the art will appreciate that the architecture shown in fig. 5 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, and that a particular computing device may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is provided, comprising a memory storing a computer program and a processor implementing the steps of the various embodiments described above when the processor executes the computer program.
In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the respective embodiments described above.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims (10)

1. A credit report generation method, comprising:
acquiring a report template identifier to be configured; the report template identifier to be configured is determined according to a target service scene where a user is located;
selecting a report dimension corresponding to the report template identifier to be configured and a credit scoring model according to the target service scene;
generating a credit report template corresponding to the target service scene according to the report dimension and the credit scoring model;
and inputting the dimension data corresponding to the report dimension into the credit report template for analysis, and generating a user credit report.
2. The method of claim 1, wherein generating a credit report template corresponding to the target service scenario according to the report dimension and the credit scoring model comprises:
calculating the configuration cost corresponding to the report template identifier to be configured according to the report dimension;
and when the confirmation operation of the configuration cost is received, generating a credit report template corresponding to the target service scene according to the report dimension and the credit scoring model.
3. The method of claim 1, wherein the inputting the dimension data corresponding to the report dimension into the credit report template for parsing to generate the user credit report comprises:
inputting dimension data corresponding to the report dimension into the credit report template;
and analyzing the dimension data through a credit scoring model in the credit report template, and generating a user credit report according to an analysis result.
4. The method according to claim 1, wherein the obtaining the report template identifier to be configured comprises:
and determining the report template identifier to be configured according to the target service scene and the service node corresponding to the target service scene.
5. The method of claim 1, wherein the reporting dimension comprises: user identity information, user attributes, behavior information, and operator information.
6. The method according to any of claims 1 to 5, wherein the user credit reports comprise node reports corresponding to different service nodes in the target service scenario; the method further comprises the following steps:
in the process of configuring a credit report template of a current service node, calling a node report of a target service node;
and configuring a credit report template of the current service node according to the called node report.
7. A credit report generation apparatus, the apparatus comprising:
the identification acquisition module is used for acquiring the identification of the report template to be configured; the report template identifier to be configured is determined according to a target service scene where a user is located;
the template configuration module is used for selecting a report dimension corresponding to the report template identifier to be configured and a credit scoring model according to the target service scene;
the template generating module is used for generating a credit report template corresponding to the target service scene according to the report dimension and the credit scoring model;
and the report generation module is used for inputting the dimension data corresponding to the report dimension into the credit report template for analysis to generate the user credit report.
8. The apparatus according to claim 7, wherein the template generation module is further configured to calculate a configuration cost corresponding to the report template identifier to be configured according to the report dimension; and when the confirmation operation of the configuration cost is received, generating a credit report template corresponding to the target service scene according to the report dimension and the credit scoring model.
9. A computer device comprising a memory and a processor, the memory storing a computer program operable on the processor, wherein the processor implements the steps of the method of any one of claims 1 to 6 when executing the computer program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.
CN202110899169.5A 2021-08-05 2021-08-05 Credit report generation method, credit report generation device, computer equipment and storage medium Pending CN113822753A (en)

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108830696A (en) * 2018-07-02 2018-11-16 平安科技（深圳）有限公司 Reference reports analyzing and processing method, device, computer equipment and storage medium
CN109544318A (en) * 2018-10-12 2019-03-29 深圳壹账通智能科技有限公司 Generation method, device, computer equipment and the storage medium of air control report
CN109658219A (en) * 2018-09-27 2019-04-19 深圳壹账通智能科技有限公司 Credit product configuration method, device, equipment and computer storage medium
CN110619568A (en) * 2019-09-17 2019-12-27 王文斌 Risk assessment report generation method, device, equipment and storage medium

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108830696A (en) * 2018-07-02 2018-11-16 平安科技（深圳）有限公司 Reference reports analyzing and processing method, device, computer equipment and storage medium
CN109658219A (en) * 2018-09-27 2019-04-19 深圳壹账通智能科技有限公司 Credit product configuration method, device, equipment and computer storage medium
CN109544318A (en) * 2018-10-12 2019-03-29 深圳壹账通智能科技有限公司 Generation method, device, computer equipment and the storage medium of air control report
CN110619568A (en) * 2019-09-17 2019-12-27 王文斌 Risk assessment report generation method, device, equipment and storage medium

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