The invention discloses a
system and a method for real-time loan approval. The
system comprises a limit pre-credit module, an internal control
list check module, a credit information check module, an approval rule base module and a
score card module, wherein the limit pre-credit module is used for carrying out limit pre-credit
processing on a customer according to contribution degree information of the customer in order to obtain integrated
credit limit information of the customer; the internal control
list check module is used for checking whether the customer is in an internal control
list through matching information of three elements of identity of the customer; the credit information check module is used for judging whether loan is rejected according to a self-defined loan rejection rule; the approval rule base module is used for obtaining an initial neural network according to rule information in the initial rule base and predefined codes of training data and automatically judging whether the loan is rejected; and the
score card module is used for obtaining a customer
score and a load approval suggestion result according to customer application data, credit information of the People's
Bank of China, a
credit card score and a predefined calculation and
classification rule. According to the
system and the method, the effects of reducing the loan approval risk and improving the loan approval efficiency are realized.