The invention relates to the field of commercial
bank loan transaction, particularly to an internal-data-mining-based method and
system for loan
client obtaining, loan implementation and after-loaningmanagement for commercial banks, wherein the method and
system are especially suitable for loans of middle and small-sized enterprises. Therefore, problems of difficult financing of middle and small-sized enterprises, difficult loan
client obtaining and after-loaning
risk control of the developed tax and loan transaction, limited tax data, dimension, and cycle, and limited loan objects can be solved. The invention designs a loan management method and
system. Before loan transaction, classification, collection, and statistics of tax
payment information of taxpayers are carried out based on internal data of commercial banks and loan limits are evaluated; during loan transaction, docking of effective clients is carried out actively, the loan limit is determined and loans are issued through channels like an online one based on other information query under
authorization of tax payers; and after loan transaction, dynamic post-loan risk monitoring is carried out by means of tax-based loan control. Therefore, the development of small and medium-sized enterprises is promoted and the national financial revenue is increased.