CN114971845A - Public credit information-based pre-credit admission rule optimization method and device - Google Patents
Public credit information-based pre-credit admission rule optimization method and device Download PDFInfo
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- CN114971845A CN114971845A CN202210511281.1A CN202210511281A CN114971845A CN 114971845 A CN114971845 A CN 114971845A CN 202210511281 A CN202210511281 A CN 202210511281A CN 114971845 A CN114971845 A CN 114971845A
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Abstract
The invention discloses a method and a device for optimizing pre-credit admission rules based on public credit information. Wherein, the method comprises the following steps: collecting common credit general rules according to the common credit channel; generating rule cross data according to the common credit general rule and the loan admission general rule; performing parameter mixing operation on the rule crossing data and the credit threshold value to obtain a loan admission credit rule; and constructing a loan admission optimization rule by using the loan admission general rule and the loan admission credit rule. The invention solves the technical problems that the method for optimizing the pre-credit admission rule in the prior art only forms the unique input index of the admission rule through the rule of the public credit and uses the index for optimizing the standard of the pre-credit admission rule.
Description
Technical Field
The invention relates to the field of information utilization and information sharing processing, in particular to a method and a device for optimizing pre-credit admission rules based on public credit information.
Background
Along with the continuous development of intelligent science and technology, people use intelligent equipment more and more among life, work, the study, use intelligent science and technology means, improved the quality of people's life, increased the efficiency of people's study and work.
Currently, in enterprise and personal loan processes, public credit rules are generally adopted as input parameters of pre-loan admission rules for input analysis, and the pre-loan admission rules are used as common unity rule elements for rule generation and optimization. However, in the method for optimizing the pre-credit admission rules in the prior art, the only input index of the admission rules is formed by the rules of the common credit, and the index is used as the standard for optimizing the pre-credit admission rules.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a method and a device for optimizing pre-credit admission rules based on public credit information, which at least solve the technical problems that in the method for optimizing the pre-credit admission rules in the prior art, the only input index of the admission rules is formed by the rules of the public credit, and the index is used for optimizing the standards of the pre-credit admission rules.
According to an aspect of an embodiment of the present invention, there is provided a method for optimizing pre-credit admission rules based on public credit information, including: collecting common credit general rules according to a common credit channel; generating rule cross data according to the common credit general rule and the loan admission general rule; performing parameter mixing operation on the rule crossing data and the credit threshold value to obtain a loan admission credit rule; and constructing a loan admission optimization rule by using the loan admission general rule and the loan admission credit rule.
Optionally, the common credit common rule includes: financial credit data, behavioral credit data.
Optionally, the performing parameter mixing operation on the rule intersection data and the credit threshold to obtain the loan admission credit rule includes: acquiring credit information in the rule cross data; and performing combined set on the credit information and the credit threshold value to obtain the loan admission credit rule.
Optionally, after the loan admission optimization rule is constructed by using the loan admission general rule and the loan admission credit rule, the method further includes: and outputting the loan admission optimization rule to a loan model vector chain layer.
According to another aspect of the embodiments of the present invention, there is also provided a pre-credit admission rule optimization apparatus based on public credit information, including: the acquisition module is used for acquiring common credit general rules according to the common credit channel; the generating module is used for generating rule cross data according to the common credit general rule and the loan admittance general rule; the mixing module is used for carrying out parameter mixing operation on the rule crossing data and the credit threshold value to obtain a loan admission credit rule; and the construction module is used for constructing a loan admission optimization rule by utilizing the loan admission general rule and the loan admission credit rule.
Optionally, the common credit general rule includes: financial credit data, behavioral credit data.
Optionally, the mixing module includes: an acquisition unit, configured to acquire credit information in the rule crossing data; and the aggregation unit is used for carrying out combined aggregation on the credit information and the credit threshold value to obtain the loan admission credit rule.
Optionally, the apparatus further comprises: and the output module is used for outputting the loan admission optimization rule to a loan model vector chain layer.
According to another aspect of the embodiments of the present invention, there is also provided a non-volatile storage medium including a stored program, wherein the program controls, when running, an apparatus in which the non-volatile storage medium is located to perform a method for optimizing a pre-credit admission rule based on common credit information.
According to another aspect of the embodiments of the present invention, there is also provided an electronic device, including a processor and a memory; the memory has stored therein computer readable instructions for execution by the processor, wherein the computer readable instructions when executed perform a method for pre-credit admission rule optimization based on common credit information.
In the embodiment of the invention, a common credit general rule is collected according to a common credit channel; generating rule cross data according to the common credit general rule and the loan admission general rule; performing parameter mixing operation on the rule crossing data and the credit threshold value to obtain a loan admission credit rule; the method for constructing the loan admission optimization rule by using the loan admission general rule and the loan admission credit rule solves the technical problem that in the prior art, the prior admission rule optimization method only forms the unique input index of the admission rule through the rules of public credit and uses the index to optimize the standard of the prior admission rule.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the invention without limiting the invention. In the drawings:
fig. 1 is a flowchart of a method for optimizing pre-credit admission rules based on public credit information according to an embodiment of the present invention;
fig. 2 is a block diagram of a pre-credit admission rule optimization apparatus based on public credit information according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, 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 obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, shall fall within the protection scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and claims of the present invention 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 is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, 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.
In accordance with an embodiment of the present invention, there is provided a method embodiment of a method for pre-credit admission rule optimization based on common credit information, it is noted that the steps illustrated in the flowchart of the accompanying drawings 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 flowchart, in some cases the steps illustrated or described may be performed in an order different than that illustrated herein.
Example one
Fig. 1 is a flowchart of a method for optimizing a pre-credit admission rule based on public credit information according to an embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
and step S102, collecting common credit general rules according to the common credit channel.
Optionally, the common credit common rule includes: financial credit data, behavioral credit data.
Specifically, in order to optimize the admission rule before loan by using the public credit information, the embodiment of the invention needs to acquire and collect the public credit general rule through a public credit platform or a public credit data source, so as to solve the technical problem that in the method for optimizing the admission rule before loan in the prior art, the only input index of the admission rule is formed by the public credit rule, and the index is used for optimizing the standard of the admission rule before loan.
And step S104, generating rule cross data according to the common credit general rule and the loan admittance general rule.
Specifically, in order to generate a rule optimization method for rules of public credit and rules of loan admission, the embodiments of the present invention need to collect and fuse common rules of public credit and loan admission to generate rule cross data, where the rule cross data is extracted by using cross key information rings in different rules, and the extracted different rule information rings are combined into a unified and integral rule cross data set.
And step S106, carrying out parameter mixing operation on the rule crossing data and the credit threshold value to obtain the credit rule for loan admission.
Optionally, the performing parameter mixing operation on the rule intersection data and the credit threshold to obtain the loan admission credit rule includes: acquiring credit information in the rule cross data; and performing combined set on the credit information and the credit threshold value to obtain the loan admission credit rule.
Specifically, according to the credit threshold set by the user, the vector of the review loan admission rule in the rule crossing data may be extracted separately, for example, the rule crossing data and the credit threshold may be subjected to parameter mixing operation, and the obtaining of the loan admission credit rule includes: acquiring credit information in the rule cross data; and performing combined set on the credit information and the credit threshold value to obtain the loan admission credit rule.
And step S108, constructing a loan admission optimization rule by using the loan admission general rule and the loan admission credit rule.
Specifically, in the embodiment of the present invention, the loan admission general rule and the loan admission credit rule need to be constructed as a loan admission optimization rule, and the optimization rule may be obtained by accurately extracting the general rule and the admission credit rule, and reserving and perfecting a rule item useful for loan admission.
Optionally, after the loan admission optimization rule is constructed by using the loan admission general rule and the loan admission credit rule, the method further includes: and outputting the loan admission optimization rule to a loan model vector chain layer.
Through the embodiment, the technical problem that the unique input index of the admission rule is formed only through the rule of the public credit and is used for optimizing the standard of the pre-credit admission rule in the method for optimizing the pre-credit admission rule in the prior art is solved.
Example two
Fig. 2 is a block diagram of a pre-credit admission rule optimizing apparatus based on public credit information according to an embodiment of the present invention, as shown in fig. 2, the apparatus includes:
and the acquisition module 20 is used for acquiring the common rules of the public credit according to the common credit channel.
Optionally, the common credit common rule includes: financial credit data, behavioral credit data.
Specifically, in order to optimize the admission rule before loan by using the public credit information, the embodiment of the invention needs to acquire and collect the public credit general rule through a public credit platform or a public credit data source, so as to solve the technical problem that in the method for optimizing the admission rule before loan in the prior art, the only input index of the admission rule is formed by the public credit rule, and the index is used for optimizing the standard of the admission rule before loan.
And the generating module 22 is used for generating rule crossing data according to the common credit general rule and the loan admission general rule.
Specifically, in order to generate a rule optimization method for rules of public credit and rules of loan admission, the embodiments of the present invention need to collect and fuse common rules of public credit and loan admission to generate rule cross data, where the rule cross data is extracted by using cross key information rings in different rules, and the extracted different rule information rings are combined into a unified and integral rule cross data set.
And the mixing module 24 is used for performing parameter mixing operation on the rule crossing data and the credit threshold value to obtain the loan admission credit rule.
Optionally, the mixing module includes: an acquisition unit, configured to acquire credit information in the rule crossing data; and the aggregation unit is used for carrying out combined aggregation on the credit information and the credit threshold value to obtain the loan admission credit rule.
Specifically, according to the credit threshold set by the user, the vector of the review loan admission rule in the rule crossing data may be extracted separately, for example, the rule crossing data and the credit threshold may be subjected to parameter mixing operation, and the obtaining of the loan admission credit rule includes: acquiring credit information in the rule cross data; and performing combined set on the credit information and the credit threshold value to obtain the loan admission credit rule.
And the construction module 26 is used for constructing a loan admission optimization rule by utilizing the loan admission general rule and the loan admission credit rule.
Specifically, in the embodiment of the present invention, the loan admission general rule and the loan admission credit rule need to be constructed as a loan admission optimization rule, and the optimization rule may be obtained by accurately extracting the general rule and the admission credit rule, and reserving and perfecting a rule item useful for loan admission.
Optionally, the apparatus further comprises: and the output module is used for outputting the loan admission optimization rule to a loan model vector chain layer.
According to another aspect of the embodiments of the present invention, there is also provided a non-volatile storage medium including a stored program, wherein the program controls, when running, an apparatus in which the non-volatile storage medium is located to perform a method for optimizing a pre-credit admission rule based on common credit information.
According to another aspect of the embodiments of the present invention, there is also provided an electronic device, including a processor and a memory; the memory has stored therein computer readable instructions for execution by the processor, wherein the computer readable instructions when executed perform a method for pre-credit admission rule optimization based on common credit information.
Through the embodiment, the technical problem that the unique input index of the admission rule is formed only through the rule of the public credit and the index is used for optimizing the standard of the pre-credit admission rule in the method for optimizing the pre-credit admission rule in the prior art is solved.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
In the above embodiments of the present invention, the description of each embodiment has its own emphasis, and reference may be made to the related description of other embodiments for parts that are not described in detail in a certain embodiment.
In the embodiments provided in the present application, it should be understood that the disclosed technology can be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units may be a logical division, and in actual implementation, there may be another division, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, units or modules, and may be in an electrical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one position, or may be distributed on a plurality of units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention, which is substantially or partly contributed by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U disk, a Read-only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic disk, or an optical disk.
The foregoing is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations should also be regarded as the protection scope of the present invention.
Claims (10)
1. A pre-credit admission rule optimization method based on public credit information is characterized by comprising the following steps:
collecting common credit general rules according to the common credit channel;
generating rule cross data according to the common credit general rule and the loan admission general rule;
performing parameter mixing operation on the rule crossing data and the credit threshold value to obtain a loan admission credit rule;
and constructing a loan admission optimization rule by using the loan admission general rule and the loan admission credit rule.
2. The method of claim 1, wherein the common credit common rules comprise: financial credit data, behavioral credit data.
3. The method of claim 1, wherein performing a parametric blending operation on the rule crossing data and credit threshold to obtain a loan admission credit rule comprises:
acquiring credit information in the rule cross data;
and performing combined set on the credit information and the credit threshold value to obtain the loan admission credit rule.
4. The method of claim 1, wherein after the building of a loan admission optimization rule using the loan admission general rule and the loan admission credit rule, the method further comprises:
and outputting the loan admission optimization rule to a loan model vector chain layer.
5. A pre-credit admission rule optimization device based on public credit information is characterized by comprising the following components:
the acquisition module is used for acquiring common credit general rules according to the common credit channel;
the generating module is used for generating rule cross data according to the common credit general rule and the loan admittance general rule;
the mixing module is used for carrying out parameter mixing operation on the rule crossing data and the credit threshold value to obtain a loan admission credit rule;
and the construction module is used for constructing a loan admission optimization rule by utilizing the loan admission general rule and the loan admission credit rule.
6. The apparatus of claim 5, wherein the common credit common rules comprise: financial credit data, behavioral credit data.
7. The apparatus of claim 5, wherein the mixing module comprises:
an acquisition unit, configured to acquire credit information in the rule intersection data;
and the aggregation unit is used for carrying out combined aggregation on the credit information and the credit threshold value to obtain the loan admission credit rule.
8. The apparatus of claim 5, further comprising:
and the output module is used for outputting the loan admission optimization rule to a loan model vector chain layer.
9. A non-volatile storage medium, comprising a stored program, wherein the program, when executed, controls an apparatus in which the non-volatile storage medium is located to perform the method of any one of claims 1 to 4.
10. An electronic device comprising a processor and a memory; the memory has stored therein computer readable instructions for execution by the processor, wherein the computer readable instructions when executed perform the method of any one of claims 1 to 4.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210511281.1A CN114971845A (en) | 2022-05-11 | 2022-05-11 | Public credit information-based pre-credit admission rule optimization method and device |
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| CN202210511281.1A CN114971845A (en) | 2022-05-11 | 2022-05-11 | Public credit information-based pre-credit admission rule optimization method and device |
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