CREDIT EVALUATION METHOD, APPARATUS AND DEVICE, AND COMPUTER READABLE STORAGE MEDIUM

摘要

Disclosed is a credit evaluation method. The method comprises: acquiring historical credit data, and constructing an AI risk control engine according to the historical credit data; when a loan request is received, acquiring pre-loan user data of a loan user corresponding to the loan request, and inputting the pre-loan user data to a pre-set expert engine and the AI risk control engine respectively for credit evaluation; and acquiring an expert evaluation conclusion of the pre-set expert engine and an AI evaluation conclusion of the AI risk control engine, and generating a corresponding decision and suggestion according to the expert evaluation conclusion and the AI evaluation conclusion. Further disclosed are a credit evaluation apparatus and device, and a computer readable storage medium. In the present application, a credit decision and suggestion are acquired by means of double-engine evaluation, which greatly reduces adverse influence of limitations of human thought on engine construction and a credit evaluation process, improving the evaluation capability of a risk control model and effectively reducing the rate of bad loans.