Title:
CREDIT EVALUATION METHOD AND APPARATUS AND GRADIENT BOOSTING DECISION TREE PARAMETER ADJUSTMENT METHOD AND APPARATUS
Document Type and Number:
WIPO Patent Application WO/2019/061187
Kind Code:
A1
Abstract:
A credit evaluation method and apparatus and a gradient boosting decision tree parameter adjustment method and apparatus, the credit evaluation method comprising: respectively inputting first sample data into at least two gradient boosting decision tree GBDT models to obtain a first overdue credit probability set, the first sample data being credit data of a first user set; respectively inputting second sample data into at least two GBDT models to obtain a second overdue credit probability set, the second sample data being credit data of a second user set; the GBDT parameters of the at least two GBDT models are different; on the basis of the first overdue credit probability set and the second overdue credit probability set, implementing KS value calculation and, on the basis of the calculation result, determining a target GBDT model from amongst the at least two GBDT models; and, on the basis of the target GBDT model, performing a credit evaluation of a user.
Inventors:
ZHAO MIN (CN)
LIN LEI (CN)
LIN LEI (CN)
Application Number:
PCT/CN2017/104069
Publication Date:
April 04, 2019
Filing Date:
September 28, 2017
Export Citation:
Assignee:
SHENZHEN LEXIN SOFTWARE TECH CO LTD (CN)
International Classes:
G06Q30/06
Foreign References:
| CN106097043A | 2016-11-09 | |||
| CN106650930A | 2017-05-10 | |||
| CN106648654A | 2017-05-10 | |||
| US20110087673A1 | 2011-04-14 |
Other References:
24 August 2015 (2015-08-24), Retrieved from the Internet
Attorney, Agent or Firm:
BEYOND ATTORNEYS AT LAW (CN)
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