银行业数据风控模型

基于申请普惠金融贷款的个体工商户个人授权、企业授权，对个体工商户、企业数据进行价值挖掘。将收集到的个体工商户、企业数据进行数据治理等操作后，根据银行制定的风控规则进行计算改造，得出个体工商户、企业的信用评分，辅助决策是否批准贷款以及贷款额度、期限、利率等条件，从而确保贷款资金的安全性，并有效控制信贷风险。

Based on individual and enterprise authorizations obtained from individual industrial and commercial households applying for inclusive financial loans, this dataset conducts value mining on the data of such households and enterprises. After subjecting the collected data of individual industrial and commercial households and enterprises to operations such as data governance, it carries out calculation and transformation in line with the risk control rules established by banks, so as to generate credit scores for these entities. These credit scores assist in decision-making on loan approval, as well as terms including loan amount, duration and interest rate, thereby ensuring the safety of loan funds and effectively controlling credit risks.