The Personal Credit Rating System Research Of Vantasia

Personal credit rating system is the detailed record of the registration of credit by consumers, previous query system, is building a developed economy based on consumer credit is also building a healthy and orderly financial environment one of the elements. Individual credit system as the basis for social credit system, its importance has been increasing attention. Especially for the consumer's finance businesses, core business, the entirely relying on building personal credit rating system. Vantasia guarantee (Dalian) Co., Ltd. is a professional personal unsecured credit loan services of foreign companies, due to incomplete data is subject to personal credit, credit technology is imperfect, lack of professional personnel and other issues of credit, personal guarantees Vantasia Credit Evaluation System for the existence of certain problems, this article will discuss this.This article analyzes the development of China's consumer credit market situation and existing problems, and then review the literature at home and abroad, of several commonly used personal credit evaluation model for comparative analysis, in-depth study Vantasia evaluation system security status of the individual companies and found that its problems. Historical data through the mining companies, the use of Logistic regression model to establish a personal credit rating on the company's actual data for comparative analysis, and finally to improve the company's personal credit rating system, the feasibility of proposals put forward appropriate.Focus of this study is to take Logistic regression model to establish a personal credit rating, the index weight to determine the qualitative analysis and quantitative analysis of effective combination, to some extent increase the index score index system of weight distribution in the accuracy and effectiveness. The method is compared with other assessment methods, with interpretability, the transparency; predictability is better and so on.The innovation of this paper is the traditional method to improve Logistic regression, combined with the use of their information gain method, greatly improving the efficiency of this modeling and accuracy, the model with a complete semantic skills, simple structure and operation smaller, and can be dynamic learning and achieve self-improvement model, compared with other assessment model has obvious advantages in daily use has a strong adaptability and sustainability. The credit scoring model can effectively help improve the security company Vantasia credit personal loans the efficiency and accuracy, and promote the company's consumer credit business development and risk prevention capabilities.