Debt management competency assessment system and analysis method for debt management competency information using the same

摘要

A method for a computing device that interworks with a plurality of user terminals and operates by at least one processor to analyze debt management capability information, wherein debt repayment information for each round is collected from a plurality of user terminals according to a debt evaluation scenario set in a plurality of rounds. receive Based on the debt repayment information, the number of clusters to cluster users of each of the plurality of user terminals is determined, and after clustering the users in clusters generated as many as the number of clusters based on the debt repayment information, according to the characteristics of the users' debt management capabilities The characteristics of each cluster are derived from the clustered clusters.