Credit information system combining expert experience model and supervised machine learning algorithm

• Main Authors: XIANG LISHUANG, CHEN CHANGNIAN, LIU JUNPING, WAN FANGMING, HU XINRONG, HE RUHAN, SU YUYI
• Format: Patent
• Language: Chinese; English
• Published: 28.04.2020
• Subjects: CALCULATING; COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS; COMPUTING; COUNTING; PHYSICS

The invention belongs to the technical field of data processing, and discloses a credit information system combining an expert experience model and a supervised machine learning algorithm. The systemcomprises a sample evaluation module which is used for carrying out the evaluation of a whole sample through the expert model according to the characteristics of an important sample, and obtaining a preliminary credit score; the sample sorting module is used for sorting the samples X through the credit score Y obtained by the sample evaluation module and obtaining a data set of a supervised machine learning algorithm; the model construction module is used for constructing a supervised machine learning model, training a data set and obtaining a stability model and a credit score label Y '; themodel verification module is used for verifying the machine learning model. According to the invention, credit scoring is carried out by combining the expert model and the supervised machine learningalgorithm, the trained mach