METHOD AND DEVICE FOR CONSTRUCTING SCORING MODEL AND EVALUATING USER CREDIT

摘要

Systems and methods for constructing a scoring model and evaluating user credit. An example method for constructing a scoring model may comprise: collecting a plurality of sample datasets, each sample dataset comprising at least one characteristic variable and a corresponding characteristic value; for each characteristic variable, acquiring an interaction index of the characteristic variable with each of one or more other characteristic variables, and determining a clustering index of the characteristic variable according to the interaction indices; selecting a target characteristic variable from the at least one characteristic variable according to the clustering indices of the characteristic variables; dividing the plurality of sample datasets into a plurality of sample dataset subgroups according to the target characteristic variable and the corresponding characteristic value; and constructing a corresponding sub-scoring model for each of the sample dataset subgroups.