信贷洞察分

依托集团体系业务积累的数据，构建数据算法底座，基于海量样本、机器学习等技术的金融场景C端风控标准评分产品，重点关注信贷准入风险，分数范围在0-100之间，分值越高风险越大，可用于策略前筛、准入模型，构建的模型评分。

Built on a data algorithm foundation constructed from data accumulated via the group's standardized business operations, this standard C-side risk control scoring product for financial scenarios is developed using technologies including large-scale sample datasets and machine learning. It focuses primarily on credit access risk, with scores ranging from 0 to 100, where a higher score signifies a higher credit risk. This product can be applied to pre-strategy screening and credit access models, as well as serving as the scoring outputs of the constructed models.

搜集汇总

背景与挑战

背景概述

信贷洞察分是蚂蚁区块链科技（上海）有限公司推出的金融风控评分产品，基于集团业务数据、海量样本和机器学习技术构建，专注于信贷准入风险评估。该产品提供0-100分的动态评分，分值越高代表风险越大，适用于策略前筛和准入模型，覆盖全国范围，每月更新，数据存储达500 TB。