Decoration loan lifecycle management method and device

Abstract

The invention discloses a decoration loan lifecycle management method and device. The method comprises the steps that decoration contract information associated with the user information is acquired, and the loan quota is determined according to the decoration contract information; when a payment request is received and the payment request satisfies a preset condition, the decoration expense is paid to an account corresponding to a decoration service provider within the loan quota according to the payment request, wherein the payment request is the decoration expense of at least one decoration stage in a decoration process; when a decoration end message is received, the total amount of the paid decoration expense is calculated according to the decoration expense; and a repayment plan is generated according to the total amount of the decoration expense. According to the invention, a fixed sum is for a fixed purpose; the user is effectively prevented from defrauding a financial institution of loan; only when the decoration is finished, the repayment plan is generated according to the total amount of the decoration expense; the user does not need to pay the interest of all decoration expenses from the start of decoration; and the capital cost of the user is reduced.

Description

technical field [0001] The invention relates to the field of banking business, in particular to a lifecycle management method and device for decoration loans. Background technique [0002] At present, the special loan for decoration in the market is generally a model in which decoration service and loan are separated. There are two common models: ①Financial institutions fully trust the decoration service provider and are recommended by the decoration service provider, so that users can directly apply for loans from financial institutions , while the financial institution only approves the user information after verification, and pays the money to the corresponding account of the decoration service provider after approval. ② The financial institution fully trusts the lender. After the financial institution approves the collected user information, it will directly lend the loan to the user's designated account, and the user will complete the loan payment independently. [000...

AI Technical Summary

Problems solved by technology

[0003] For the first model, because financial institutions do not control the actual transaction process, the data reliability of decoration service providers is low, and it is impossible to prevent the risk of fraudulent loans

The second mode is a more common mode for offline loans, which controls the application scenarios of users to a certain extent to prevent fraudulent loans, but the approval process is more complicated, requiring manual approval. use

For the first model, if you choose to repay the principal at maturity, the longer the loan period, the greater the overdue risk, which is not conducive to the business development of financial institutions. Too few periods will make the product uncompetitive; The time of payment varies greatly, the repayment plan is chaotic, and it is difficult for users to accept

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