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CCScore(运营商信用分) 是依托于运营商大数据平台，结合顶级模型团队在金融风控领域的丰富业务经验和专业建模能力，通过前沿的机器学习算法，将信贷客户的逾期风险进行量化，最终将逾期风险以分数形式呈现，并对外输出的风控产品。

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丰富的运营商数据维度
建模方法与评分形式
产品优势

丰富的运营商数据维度

终端信息

Terminal Information

手机品牌信息
换机频率
…

Mobile Brand Information
Frequency of replacement
...

建模方法与评分形式

特征处理

Feature Processing

1000+底层变量质量分析(EDA)
添加300+高维可解释衍生变量
100+显著变量入选

1000+ bottom variable quality analysis (EDA)
Adding 300 + High Dimension to Explain Derivative Variables
100+ significant variables selected

丰富的运营商数据维度

通讯行为

Communication Behavior

分时段通话时长通话行为稳定性
流量使用情况
金融服务类短信接收情况
…

Stability of Long-Term Call Behavior in Time-Segmented Calls
Flow usage
Receiving of Short Messages in Financial Services
...

产品优势

专业的团队

Professional Team

好懿春数据为百余家银行提供专业解决方案，客户资源庞大、金融场景应用能力丰富
开发团队为多家银行提供模型分析服务，拥有丰富的风控经验和一流的建模能力
持续监控模型、变量表现，模型每半年迭代一次，可实现快速上线

Hao Yichun data provides professional solutions for more than 100 banks with huge customer resources and abundant application capabilities in financial scenarios.
The development team provides model analysis services for many banks, with rich wind control experience and first-class modeling ability.
Continuous monitoring of model and variable performance, model iteration every six months, can achieve rapid online

建模方法与评分形式

机器学习

Machine Learning

自动迭代特征筛选(RFE模块)
高维集成模型XGBoost
交叉验证选择最优模型参数

Automatic Iterative Feature Screening (RFE Module)
High Dimensional Integration Model XGBoost
Selection of Optimal Model Parameters by Cross-validation

丰富的运营商数据维度

用户消费分析

User Consumption Analysis

套餐费用
充值频率、金额
欠费情况
…

Package fee
Recharge frequency and amount
Arrears
...

产品优势

消除行业痛点

Eliminate Pain In Industry

人行征信覆盖有限，拥有信贷记录的仅有4.1亿人，不足全国总人口数的三分之一
运营商数据可以有效打破数据孤岛的状况，降低坏账水平、提升批核率、节约信审成本、加快审批速度

Pedestrian credit reporting coverage is limited, with only 410 million people with credit records, less than one third of the total population of the country.
Operator data can effectively break the status of data islands, reduce bad debts, improve approval rate, save credit cost, and accelerate approval speed.

丰富的运营商数据维度

用户属性

User Attributes

年龄
在网时长停机时间
户籍与住址一致性
…

Age
Long downtime on line
Consistency of Household Registration and Address
...

丰富的运营商数据维度

网页及APP访问

Web Page And APP Access

贷款、P2P、信用卡、电商等类别
APP个数
活跃天数
停留时长
…

Loans, P2P, credit cards, e-commerce and other categories
APP number
Active days
Length of stay
...

产品优势

覆盖近10亿人

Covering Nearly 1 Billion Peoples

绝大多数无人行征信人群可得到有效评分
有效解决无征信、短征信人群风险评估的问题

The vast majority of people without credit information can be effectively scored.
Effective Solution to Risk Assessment of Non-Credit Reporting and Short Credit Reporting Population

丰富的运营商数据维度

运营商信用分

Carrier Credit Score

充分运用了运营商丰富的数据维度信息
深度挖掘了客户的潜在信用风险
综合评价了信贷申请人的违约概率

Make full use of operators'rich data dimension information
Deeply excavate the potential credit risk of customers
The default probability of credit applicants is evaluated comprehensively.