32results about How to "Reduce bad debt rate" patented technology

The invention relates to a loan approval method and device based on a block chain, a storage medium and electronic equipment. The loan approval method based on the block chain in the embodiment of theinvention is applied to a block chain network storing credit authentication information of a loan manager. The loan approval method comprises the following steps: receiving a loan approval request sent by the loan manager; Obtaining identity authentication information of the loan manager from the loan approval request; Credit authentication information associated with the identity authenticationinformation is acquired from the block chain network; And generating loan approval information according to the credit authentication information, wherein the loan approval information comprises a loan approval result for the loan approval request. The identity authentication information of the loan manager is stored by using the block chain technology, the loan approval evidence can be provided for the financial institution, the loan application with the fraud risk can be conveniently identified, the loan risk is reduced, and the bad account rate is reduced.

The invention provides a financial individual loan risk assessment method and device, a storage medium and equipment, and belongs to the field of risk assessment in artificial intelligence, and the method comprises the steps: collecting data of all parties, constructing an individual loan risk assessment model, carrying out risk assessment, outputting a risk level, classifying users through the individual loan risk assessment model, and carrying out the risk assessment. Outputting a decision report as a risk assessment result as a lending risk assessment basis; according to the method, personal loan risk assessment is carried out by using a federation learning technology based on multi-party data, so that the personal loan bad debt rate is reduced and the personal loan approval efficiency is improved on the premise of ensuring data security and user privacy.

The invention provides a block chain-based traditional Chinese medicine supply chain industry financial system establishment method. Upstream and downstream main enterprises in a traditional Chinese medicine supply chain industry are combined, a financial credit institution and an industry supervision department are introduced, an authority framework is established, business generation nodes and processes in traditional Chinese medicine supply chain production are combed, and an alliance chain intelligent contract is complied; related intersection business data systems are combed in upper, middle and lower subject enterprises, the researched and developed block chain smart contract is embedded into a corresponding business system, a credit value is generated according to business data, the business data generated by the upper, middle and lower subjects are verified, authenticated and queried by a financial credit subject and a supervision subject, the TOKEN voucher of the related main enterprise is queried as credit data in the traditional Chinese medicine supply chain industry, the invention provides the method for establishing the traditional Chinese medicine supply chain industry financial system based on the block chain, which can improve the full circulation of funds in the traditional Chinese medicine supply chain industry and reduce the bad debt rate.

The invention discloses a business data review method, which includes: obtaining enterprise sample data, constructing a simulated standard average in a preset coordinate system, and obtaining a simulated confidence interval based on the simulated standard average; when receiving a loan request, Obtain the enterprise operating data of the borrowing enterprise corresponding to the loan request, and fit the corresponding enterprise operating line in the preset coordinate system; compare the enterprise operating line with the simulated confidence interval, and judge whether the enterprise operating data abnormal. The invention also discloses a management data checking device, equipment and computer-readable storage medium. The invention learns large-scale enterprise data by means of machine learning, fits an average line and simulated confidence interval of enterprise operation, and then reviews the operating data of the borrowing enterprise through the average line and simulated confidence interval, thereby judging the borrowing enterprise Whether the business data of the company is authentic and credible, and identify the fraudulent behavior of the borrowing company.

The embodiment of the present invention provides a pre-loan risk monitoring method and device based on collection. The method includes: obtaining the collection number database information through the collection number identification model; obtaining the risk assessment score according to the call information of the lender and the collection number database information. Obtain the collection number and collection address through crawler technology, and then match the nearby operator base station information according to the collection address, so as to determine the collection number sample database, and then obtain the collection number identification model through the feature attribute information, so as to obtain the collection number library information The final risk assessment score is obtained according to the collector number information in the call information of the lender. The embodiment of the present invention innovatively monitors the lender's pre-loan risk based on debt collection through the situation that the lender is being collected. Effectively strengthen the pre-loan risk monitoring capability and reduce the bad debt rate.

The embodiment of the present invention discloses an information processing method, device, server, and computer-readable storage medium, wherein the method includes: receiving a loan request sent by a user device, the loan request including voice information entered by the user; according to the loan request Acquiring feature information associated with the user, the feature information including first identity information and first voiceprint information extracted from the voice information; marking the loan request with a risk warning according to the feature information. By adopting the invention, the problem of inaccurate assessment of lending risk existing in the online loan platform can be solved, thereby reducing loan risk and bad debt rate.

The invention discloses a credit rating method and device, a computer readable storage medium and a terminal. The credit rating method comprises the steps of obtaining to-be-rated data; carrying out credit rating on the to-be-rated data by utilizing an original rating model and a new rating model respectively to obtain an original grade and a new grade, the new rating model being obtained by training the original rating model by utilizing training data, and the training data being obtained according to a preset time interval; and determining a final credit rating of the to-be-rated data according to the original rating and the new rating. Through the technical scheme of the invention, the credit rating efficiency can be improved.

The invention provides a credit-based fund support scheme determination method and device. The credit-based fund support scheme determination method comprises the steps of obtaining a credit sales order signed by a buyer in an operation process and credit information of the buyer; performing credit assessment on the buyer according to the credit information to obtain credit assessment informationof the buyer; determining a fund support strategy set for carrying out fund support on the buyer based on the credit evaluation information and the credit sales order; and integrating the fund supportstrategies contained in the fund support strategy set, and determining a fund support scheme of the buyer according to an integration result. Through the credit-based fund support scheme determination method, the best fund support scheme can be provided for the buyer based on the credit information, the bad debt rate between the buyer and the seller is reduced to a great extent, and the reliability of the credit sales order signed by the buyer and the seller is improved.