M1+/M2+逾期风险评分

基于过去12个月内交易情况，通过分析多维信贷场景及海量坏样本，以未来6个月内是否发生M1+/M2+逾期构建风险模型，实现逾期风险精准识别。本产品包含三个子场景评分，分别为：消费金融、互联网金融及信用卡还款。

Based on transaction data from the past 12 months, a risk model is developed by analyzing multi-dimensional credit scenarios and a large number of default samples, targeting the prediction of whether M1+/M2+ overdue will occur within the next 6 months, thereby enabling accurate identification of overdue risks. This product includes three sub-scenario scoring modules, namely consumer finance, internet finance, and credit card repayment.