personal credit evaluation and explanation method and device based on time sequence attribution analysis, equipment and a storage medium

• Main Authors: LI QINGSHAN, SUN SHENGLI, SI HUAYOU, CHENG REN
• Format: Patent
• Language: Chinese; English
• Published: 12.01.2021
• 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; HANDLING RECORD CARRIERS; PHYSICS; PRESENTATION OF DATA; RECOGNITION OF DATA; RECORD CARRIERS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention provides a personal credit evaluation and explanation method and device based on time sequence attribution analysis, equipment and a storage medium. The method comprises the steps of creating a credit scoring model; respectively training the credit scoring model by utilizing a plurality of groups of historical credit investigation data sets with time labels to obtain a plurality of historical credit scoring models; predicting a plurality of future credit scoring models based on a plurality of historical credit scoring models with time labels or a plurality of groups of historicalcredit investigation data sets with time labels according to the types of the credit scoring models; inputting to-be-assessed credit investigation data into the selected historical credit scoring model or future credit scoring model to obtain a credit investigation assessment result of the credit investigation subject corresponding to the to-be-assessed credit investigation data; and explaining the credit investigation e