Credit risk determination and data processing method and equipment, medium and program product

• Main Author: ZHANG AFEI
• Format: Patent
• Language: Chinese; English
• Published: 01.10.2021
• Subjects: CALCULATING; COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The embodiment of the invention provides a credit risk determination and data processing method and equipment, a medium and a program product. According to the embodiment of the invention, the method comprises the steps of carrying out the feature extraction of the credit application data of a to-be-tested user and the credit application data of a sample user, and determining the credit features of the to-be-tested user and the credit features of the sample user, calculating the similarity between the to-be-tested user and the sample user according to the credit characteristics of the to-be-tested user and the credit characteristics of the sample user, and determining the risk attribute of the to-be-tested user according to the similarity between the to-be-tested user and the sample user and the risk attribute of the sample user. As the similarity between the to-be-tested user and the sample user is introduced during credit risk prediction of the to-be-tested user, the reason that the to-be-tested user is det