Credit risk control method and system, and storage medium

Abstract

The present invention discloses a credit risk control method and system, and a storage medium. The method comprises: receiving a loan request sent by a borrower, acquiring an expected loan amount of the borrower according to the loan request, and based on the expected loan amount of the borrower, determining a target identity authentication level; according to the target identity authentication level, determining a target information requirement and a target identity authentication process; based on the target information requirement and the target identity authentication process, collecting target type information and a target identity authentication result of the borrower respectively, and based on the target type information and the target identity authentication result of the borrower,determining the credit limit of the borrower; determining whether the expected loan amount of the borrower is less than the credit limit; and if the expected loan amount of the borrower is less thanthe credit limit, lending money to the borrower. According to the technical scheme of the present invention, the procedures for the borrower to borrow a small loan can be simplified, and borrowing experience of the borrower can be improved in a facilitated manner.

Description

technical field [0001] The invention relates to the technical field of credit risk control, in particular to a credit risk control method, system, and storage medium. Background technique [0002] With the development of Internet credit technology, more and more borrowers conduct remote loans through Internet credit platforms. In order to ensure that the loan can be recovered in the end, pre-loan data collection and identity verification procedures are essential. [0003] The existing credit platform has no specific regulations on the loan amount and the type and level of detail of the collected data. Generally, after receiving the borrower’s loan request, the borrower’s data is collected. If the borrower’s loan amount is not large and the borrower’s data is obtained too much, it may arouse the resentment of the borrower, and then give up the loan, resulting in the loss of the borrower. Contents of the invention [0004] The main purpose of the present invention is to pr...

AI Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to provide a credit risk control method, which aims to solve the problem that information collection does not distinguish the actual borrowing amount of the borrower, and when the loan amount is not large, but the borrower's personal data is obtained too much, the technology that may cause the borrower's resentment question

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