Research on Maximization of Bank Loan Final In-come Based on QUBO Model

The risk assessment and income calculation of bank credit service has always been the focus of attention in the industry. Banks need to evaluate the credit of borrowers during the loan process, and credit score card is a common evaluation method. Different credit score cards adopt different thresholds in the evaluation process, and the combination of score cards and the selection of thresholds will directly affect the bank's loan profit. This paper discusses how to select the combination of scorecard and its corresponding threshold to maximize the bank's income, builds a target optimization model around the bank's final income and converts it into QUBO form for solving. Based on bank data, this paper uses Excel to calculate the final income under different thresholds in each credit score card group, and then obtains the income value of the group with the highest final income in each credit score card group and its corresponding threshold. In addition, binary variables are introduced to construct the objective function and establish the constraint conditions, and the established objective optimization model is converted into QUBO form, and the objective function and constraint conditions are expressed through the Hamiltonian. When the corresponding threshold value of the 49th credit score card group is 1, the final income is the maximum.