消费信贷需求评分

基于过去12个月内交易情况，根据近6个月有无信贷交易划分客群，分别预测未来3个月内在信贷商户上发生借款行为的概率。
【睡眠客群激活】
适用场景：拥有足够用户量级，需要对其中长时间未提款的睡眠客群进行营销召回的成熟信贷机构；
输出方式：客户上传样本，返回样本未来提款概率的预测结果，由信贷机构进行营销
【潜力客群推荐】
适用场景：需拓展市场、提高用户量级的中小或新兴信贷机构
输出方式：推荐信贷需求意愿强的潜力客群名单给到机构，由机构完成客户触达、客户获取、风控审批等后续工作

Based on transaction history over the past 12 months, customers are segmented based on whether they have had credit transactions in the past 6 months, and the probability of borrowing behavior at credit merchants within the next 3 months is predicted separately for each segment.
【Sleeping Customer Group Activation】
Application Scenario: Mature credit institutions with sufficient user scale that need to conduct marketing recall for sleeping customer groups who have not made withdrawals for a long time;
Output Method: Customers upload sample datasets, and the prediction results of the future withdrawal probability of the samples are returned, and the credit institution will carry out the marketing work.
【Potential Customer Group Recommendation】
Application Scenario: Small, medium-sized or emerging credit institutions that need to expand the market and increase their user scale;
Output Method: Recommend a list of potential customer groups with strong credit demand willingness to the institution, and the institution will complete follow-up work such as customer outreach, customer acquisition, risk control and approval.

搜集汇总

背景与挑战

背景概述

该数据集基于12个月交易数据预测客户未来3个月信贷需求概率，提供睡眠客群激活和潜力客群推荐两种应用方案，分别服务于成熟信贷机构的召回营销和新兴机构的获客需求。