Customer credit modeling and credit granting method based on hybrid algorithm of collaborative filtering and social network
With the expansion of market demand for customer credit screening,the traditional FICO credit modeling method relies on a large number of historical credit behavior of trustees,and the limitation of weak ability to identify group attributes is constantly emerging,which causes the problem of cold sta...
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| Format: | Article |
| Language: | zho |
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Beijing Xintong Media Co., Ltd
2020-02-01
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| Series: | Dianxin kexue |
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| Online Access: | http://www.telecomsci.com/zh/article/doi/10.11959/j.issn.1000-0801.2020048/ |
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| _version_ | 1841530631287209984 |
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| author | Ke ZHANG YueJia SUN Hai HAN |
| author_facet | Ke ZHANG YueJia SUN Hai HAN |
| author_sort | Ke ZHANG |
| collection | DOAJ |
| description | With the expansion of market demand for customer credit screening,the traditional FICO credit modeling method relies on a large number of historical credit behavior of trustees,and the limitation of weak ability to identify group attributes is constantly emerging,which causes the problem of cold start of credit scoring.Based on the identity characteristics of the trustee,the initial score through collaborative filtering method was firstly granted,and then the credit evaluation was modified through social network trust graph and group clustering learning results to solve the credit cold start problem during the transition period of scoring.The experimental results show that the credit pre-evaluation error of this method is low and can be smoothly transited to formal evaluation.This method can cultivate good credit habits of trustees in the initial stage of credit,guide the virtuous circle of credit behavior. |
| format | Article |
| id | doaj-art-e7fd77376b9f4ede8bd7e4e4e7eb5579 |
| institution | Kabale University |
| issn | 1000-0801 |
| language | zho |
| publishDate | 2020-02-01 |
| publisher | Beijing Xintong Media Co., Ltd |
| record_format | Article |
| series | Dianxin kexue |
| spelling | doaj-art-e7fd77376b9f4ede8bd7e4e4e7eb55792025-01-15T03:01:08ZzhoBeijing Xintong Media Co., LtdDianxin kexue1000-08012020-02-0136526059584760Customer credit modeling and credit granting method based on hybrid algorithm of collaborative filtering and social networkKe ZHANGYueJia SUNHai HANWith the expansion of market demand for customer credit screening,the traditional FICO credit modeling method relies on a large number of historical credit behavior of trustees,and the limitation of weak ability to identify group attributes is constantly emerging,which causes the problem of cold start of credit scoring.Based on the identity characteristics of the trustee,the initial score through collaborative filtering method was firstly granted,and then the credit evaluation was modified through social network trust graph and group clustering learning results to solve the credit cold start problem during the transition period of scoring.The experimental results show that the credit pre-evaluation error of this method is low and can be smoothly transited to formal evaluation.This method can cultivate good credit habits of trustees in the initial stage of credit,guide the virtuous circle of credit behavior.http://www.telecomsci.com/zh/article/doi/10.11959/j.issn.1000-0801.2020048/credit modelingcold startcollaborative filteringsocial networkfusion algorithm |
| spellingShingle | Ke ZHANG YueJia SUN Hai HAN Customer credit modeling and credit granting method based on hybrid algorithm of collaborative filtering and social network Dianxin kexue credit modeling cold start collaborative filtering social network fusion algorithm |
| title | Customer credit modeling and credit granting method based on hybrid algorithm of collaborative filtering and social network |
| title_full | Customer credit modeling and credit granting method based on hybrid algorithm of collaborative filtering and social network |
| title_fullStr | Customer credit modeling and credit granting method based on hybrid algorithm of collaborative filtering and social network |
| title_full_unstemmed | Customer credit modeling and credit granting method based on hybrid algorithm of collaborative filtering and social network |
| title_short | Customer credit modeling and credit granting method based on hybrid algorithm of collaborative filtering and social network |
| title_sort | customer credit modeling and credit granting method based on hybrid algorithm of collaborative filtering and social network |
| topic | credit modeling cold start collaborative filtering social network fusion algorithm |
| url | http://www.telecomsci.com/zh/article/doi/10.11959/j.issn.1000-0801.2020048/ |
| work_keys_str_mv | AT kezhang customercreditmodelingandcreditgrantingmethodbasedonhybridalgorithmofcollaborativefilteringandsocialnetwork AT yuejiasun customercreditmodelingandcreditgrantingmethodbasedonhybridalgorithmofcollaborativefilteringandsocialnetwork AT haihan customercreditmodelingandcreditgrantingmethodbasedonhybridalgorithmofcollaborativefilteringandsocialnetwork |