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Method and device for realizing loan financing,

An implementation method and loan technology, applied in the field of information processing, can solve the problems of high risk, poor practicability and high loan cost, and achieve the effect of high risk

Inactive Publication Date: 2018-03-06
四川民工加网络科技有限公司 +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In view of this, the purpose of the present invention is to provide a method and device for realizing loan financing, so as to alleviate the existing technical problems of high loan cost, high risk and poor practicability through private loans

Method used

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  • Method and device for realizing loan financing,
  • Method and device for realizing loan financing,
  • Method and device for realizing loan financing,

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0053] A realization method of loan financing, applied to third-party platforms, refer to figure 1 , the method includes:

[0054] S102. Establish a cooperative relationship with the bank, wherein the cooperative relationship is used to enable the bank to provide loan financing services;

[0055] In the embodiment of the present invention, the third-party platform is an industrial settlement platform, and first establishes a cooperative relationship with the bank, which enables the bank to provide loan financing services.

[0056] Specifically, the bank may be Agricultural Bank of China, Ping An Bank, Bank of Chengdu, etc., or other banks, and the embodiment of the present invention does not specifically limit the bank.

[0057] S104. Receive the basic information and loan demand sent by the user, and send the basic information and loan demand to the target bank, so that the target bank can evaluate the loan demand according to the basic information and its own risk control m...

Embodiment 2

[0097] A device for implementing loan financing, applied to third-party platforms, refer to Figure 5 , the device consists of:

[0098]The establishment module 11 is used to establish a cooperative relationship with the bank, wherein the cooperative relationship is used to enable the bank to provide loan financing services;

[0099] The first receiving module 12 is used to receive the basic information and loan demand sent by the user, and send the basic information and loan demand to the target bank, so that the target bank can evaluate the loan demand according to the basic information and its own risk control mode, and obtain Evaluation results, in which the basic information is used for risk control evaluation, and the target bank is the bank corresponding to the loan demand;

[0100] The second receiving module 13 is used to receive the target loan sent by the target bank through the user's work group card to complete the loan financing when the evaluation result is a r...

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Abstract

The invention provides a method and a device for realizing loan financing. The method includes the following steps: establishing a cooperative relationship with a bank; receiving basic information andloan demand sent by a user, and sending the basic information and the loan demand to a target bank so the target tank can evaluate the load demand according to the basic information and the risk control mode to get an evaluation result; and when the evaluation result is that the load demand is accepted, receiving a target loan sent by the target bank through a working card of the user to completeload financing. The method of the invention is implemented based on a third party platform. The third party platform, which is a bridge between the bank and the user, can provide a customer entranceand part of risk control evaluation data for the bank and provide a load channel for the user. Compared with private loan methods, the method has the advantages of low loan cost, low risk and high practicality. The technical problem that the existing private loan method has the disadvantages of high loan cost, high risk and low practicability is eased.

Description

technical field [0001] The invention relates to the technical field of information processing, in particular to a method and device for realizing loan financing. Background technique [0002] In the existing construction industry, team leaders (ie, contractors) often need to advance funds for construction. They do not have formal bank financing channels, and they use private loans for financing, which is costly and risky. Workers often need to pay salaries in case of emergencies, holidays, or when students start school. Team leaders often use borrowing to pay. Solve the urgent need. [0003] Since the team leader is a high-net-worth individual, government authorities and banks also want to serve him. However, since the contracted labor construction is carried out in the name of an individual, banks and other formal financial institutions cannot establish risk control models and conduct credit evaluations for them. Therefore, loan services cannot be provided. The team lead...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q50/08
CPCG06Q50/08G06Q40/03
Inventor 王成荣袁公民
Owner 四川民工加网络科技有限公司
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