一种基于运营商大数据的信用风险控制模型

摘要

为了基于通信运营商大数据对个人信用风险进行控制,设计了一种基于运营商大数据的信用风险控制模型.在运营商的用户基础信息、通信行为、上网行为、地理位置等数据的基础上使用分类算法进行数据挖掘得到信用风险控制模型,模型提升了个人征信评级的精准率,降低了业务风险.%To control credit risks of individuals based on big data of telecom operators,a model is built for control over credit risks based on big data of operators.According to data about operators' basic user information,telecommunication behaviors,internet use behaviors and geographical location,a model for control over credit risks is obtained by data mining with classification algorithms.The model improves accuracy of individuals' credit rating and lowers business risks.