Intelligent loan collection system and method

Abstract

The invention discloses an intelligent loan collection system and method. The system comprises a loan database, an overdue data processing center, a message management center and an automatic collection platform, wherein the loan database is used for unified storage of user loan information; the overdue data processing center is used for carrying out automatic screening on the user loan information in the loan database to obtain overdue loan data, and pushing the overdue loan data to the message management center after organizing according to a condition; the message management center is used for analyzing the data from the overdue data processing center, generating loan collection information according to an analysis result, pushing the loan collection information to the automatic collection platform through multiple channels and carrying out closed or open configuration management on each push channel; and the automatic collection platform is used for receiving the loan collection information pushed by the message management center and selecting a corresponding way to carry out overdue loan collection according to the pushed channel. According to the system and the method, the intelligence and the automation of the loan collection are realized, the human cost is saved, the personal error is reduced, and the stability and the high efficiency of a loan service are guaranteed.

Description

technical field [0001] The invention relates to the field of loan business, in particular to an intelligent loan collection system and method. Background technique [0002] Loan refers to a financial behavior in which the creditor (or lender) transfers the right to use funds to the debtor (or borrower). Companies are also gradually appearing in people's sights, providing great convenience for solving people's financial problems. [0003] In the process of loan companies providing loans to borrowers, in order to ensure the timely return of funds, it is often necessary to monitor the repayment date and realize timely collection of overdue loans; however, the current repayment date monitoring is mainly realized by manual statistics. Overdue loan information also requires loan company staff to collect one by one, which consumes a lot of time and labor costs; especially for some large loan companies, user loan data is huge, and manual monitoring is extremely inconvenient. [00...

AI Technical Summary

Problems solved by technology

[0003] In the process of loan companies providing loans to borrowers, in order to ensure the timely return of funds, it is often necessary to monitor the repayment date and realize timely collection of overdue loans; however, the current repayment date monitoring is mainly realized by manual statistics. Overdue loan information also requires loan company staff to collect them one by one, which consumes a lot of time and labor costs; especially for some large loan companies, user loan data is huge, and manual monitoring is extremely inconvenient

[0004] More importantly, human monitoring and loan collection are prone to errors, which will bring bad experience to the company's customers and even bring huge losses to the company, which is not conducive to the stable and efficient development of the loan business

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