METHOD AND APPARATUS FOR EXPLAINING THE REASON OF THE EVALUATION RESULTED FROM CREDIT EVALUATION MODELS BASED ON MACHINE LEARNING

摘要

A method of explaining the evaluation reason of the machine learning-based credit rating classification model performed by a computer device according to an aspect of the present invention includes (a) first customer information including credit information consisting of a plurality of items and credit rating classification. Receiving a target class to be derived as a result of evaluating the model; (b) selecting a specific item that affects changing the class determined by the credit rating classification model to the target class for the first customer information; (c) changing the value of the selected specific item and generating second customer information including the changed item value; (d) calculating a result probability of deriving a target class as an evaluation result of the credit rating classification model for input of the second customer information; And (e) comparing whether the second customer information is determined to be a target class.