个人信用评估模型

联合贵阳农商银行，以用户授权、契约式使用为前提，公积金、社保等数据为支撑，共同设计开发信用类贷款风控模型，处理后得到不可反推原始数据的等级和评分数据，银行再度进行二次运算分析后完成线上授信放款，实现政府数据服务模式创新与价值释放的方法探索。In partnership with Guiyang Rural Commercial Bank, under the preconditions of user authorization and contractual usage, and supported by data including housing provident funds and social security, we jointly designed and developed a credit loan risk control model. After processing relevant data, we obtained rank and score data that cannot be reverse-engineered to infer original raw data. The bank then conducted secondary operational analysis and completed online credit granting and loan disbursement, thereby exploring methods to innovate government data service models and unlock their value.

搜集汇总

背景与挑战

背景概述

该数据集是贵阳农商银行与贵阳块数据城市建设有限公司联合开发的信用评估模型，通过处理用户授权的公积金、社保等敏感数据生成不可逆的信用评分，为银行线上信贷业务提供风控支持。