A P2P network lending institution risk assessment method based on reinforcement learning
The invention provides a P2P network lending institution risk assessment method based on reinforcement learning, which belongs to the field of network big data processing and electronic information technology. First, the company profile text information of the P2P network loan enterprise is collecte...
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Main Authors | , , , , |
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Format | Patent |
Language | Chinese English |
Published |
11.01.2019
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Subjects | |
Online Access | Get full text |
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Summary: | The invention provides a P2P network lending institution risk assessment method based on reinforcement learning, which belongs to the field of network big data processing and electronic information technology. First, the company profile text information of the P2P network loan enterprise is collected, and the words are segmented; then, for all the words in the document, the information gain is used to extract the keywords; a Max-min ACLA algorithm is utilized to construct reinforcement learning model; in the training process of reinforcement learning model, the sample weights are updated by changing the weights dynamically. Finally, the trained reinforcement learning model is used to evaluate the risk of the evaluation institution. The invention adopts the reinforcement learning model to solve the problems of less text classification data and unbalanced data, at the same time, the method of dynamically updating the sample weight accelerates the convergence speed of the model training,saves a large amount of t |
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Bibliography: | Application Number: CN201810789859 |