Secure internet financial loan right pledge risk assessment method

A risk assessment and Internet-based technology, applied in the field of secure Internet financial loan quality risk assessment, can solve problems such as inadequate supervision by regulators and customer default, and achieve the effect of reducing the average bad debt rate, reducing regulatory risks, and reducing operational risks

Inactive Publication Date: 2015-12-23
江苏大泰信息技术有限公司
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AI Technical Summary

Problems solved by technology

However, the P2P online loan model itself also has potential risks, both from custome

Method used

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Embodiment Construction

[0022] The present invention will be further explained below.

[0023] This specific implementation manner adopts the following technical solutions: A method for assessing the right and quality of secure Internet financial loans includes the following steps:

[0024] 1. Evaluation method of customer default risk:

[0025] 1. Review the industry and business operation status of the borrower;

[0026] 2. Review of borrowers’ online credit records, and review of bad credit records in financial institutions;

[0027] 3. Register the personal information of the borrower’s spouse and review its financial ability;

[0028] 4. Introduce an external offline guarantee mechanism;

[0029] 5. To exchange information among multiple online loan platforms to establish a credit database for online loan platform customers;

[0030] 2. Risk assessment methods for Internet operations:

[0031] 1. Whether the website deployment has applied for the highest level of security certificate;

[0032] 2. Protection of...

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Abstract

The invention discloses a secure internet financial loan right pledge risk assessment method, which relates to the technical field of network credit and loan. The secure internet financial loan right pledge risk assessment method comprises a client default risk assessment method, an internet operation risk assessment method and a supervision assessment method of a transaction platform data protection supervisor. The client default risk assessment method comprises the steps of investigating industrial and enterprise operating performance of a borrowing client, introducing an external offline guarantee mechanism, exchanging information among a plurality of network loan platforms, and establishing a credit database of clients of the network loan platforms. The internet operation risk assessment method comprises the steps of checking whether website deployment applies for a security certificate of the highest level so as to protect personal privacy information. The supervision assessment method of the transaction platform data protection supervisor comprises the steps of checking whether corresponding laws and regulations as well as a market access mechanism are established, whether a statistical monitoring system and a credit investigation mechanism are established, and whether fund supervision is in place. The secure internet financial loan right pledge risk assessment method decreases client default risks, decreases average charge-off rate of banks, decreases website operation risks, decreases supervision risks of the supervisor, and is suitable for petty internet loans.

Description

Technical field [0001] The invention relates to the technical field of network credit, and in particular to a method for evaluating the quality and risk of secure Internet financial loans. Background technique [0002] The issue of Internet financial risks has received extensive attention from all walks of life. Effectively preventing Internet financial risks is of great significance to maintaining the country’s financial order and ensuring the normal and efficient conduct of people’s trading activities. From the perspective of the specific operation mode and market promotion level, the development of Internet finance is becoming more and more perfect. [0003] In order to solve the risk assessment problem of the online lending process in the bank's Internet financial business, the current Internet financial business platform has done some work. For example, the "Ali Loan" of the China Construction Bank and Alibaba cooperation is to use the customer's transaction history on Alipay....

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q40/02
Inventor 傅涛王尉钦黄万浥唐爱云
Owner 江苏大泰信息技术有限公司
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