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Small credit loan overdue disposal method and system

A disposal method and disposal system technology, applied in the field of computer information, can solve the problems of financial institutions such as loss, exceeding the loan amount, and huge amount, and achieve high-quality processing and the effect of ensuring economic benefits

Pending Publication Date: 2019-04-05
成都律军风险管理股份有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, for an overdue loan of less than 100,000 yuan, it can be written off first, and then the lawsuit can be filed. However, due to the small overdue credit loan such as the aforementioned credit card, due to the existing litigation model, the single cost is high, even exceeding the loan amount. Moreover, the large number makes banks have no motivation and energy to take relevant litigation measures against them
The agent is neither willing nor able to carry out the work if the method of reducing the agency fee is adopted
Uncollectible payments, whether written off as bad debts or overdue, can cause substantial losses to financial institutions

Method used

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  • Small credit loan overdue disposal method and system
  • Small credit loan overdue disposal method and system
  • Small credit loan overdue disposal method and system

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Embodiment Construction

[0052] In order to make it easier for those skilled in the art to further understand the present invention, and to clearly understand the technical solutions described in this application, and to fully and fully disclose the relevant technical content of the present invention, the specific embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings Description, obviously, the described specific implementation is only an example to give a part of the embodiments of the present invention, to help understand the present invention and its core idea. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative work, and / or without departing from the spirit and essence of the present invention, even if made according to the present invention Various corresponding changes and modifications, but these corresponding changes and modifications should fall ...

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Abstract

The invention discloses a small credit loan overdue disposal method and system, and the method comprises the steps: enabling the case attribute of a small credit loan overdue case to be matched with the agent attribute of an agent; And according to a matching result, respectively generating corresponding legal files according to the batch small loan overdue case information and the agent information, and respectively pushing the matched case information and legal files to corresponding agent dependency methods for processing. The system comprises a matching unit, a case distribution unit, a pushing unit and a acceptance terminal.

Description

technical field [0001] The invention relates to the field of computer information technology, in particular to a method and system for overdue handling of small credit loans realized by using Internet technology. Background technique [0002] At present, for credit lending businesses such as low-amount overdue repayment credit cards, due to the low amount of arrears in a single business, a large amount of arrears is less than 10,000 yuan, or even less than 3,000 yuan, but the overall volume is large. According to the disclosure Relevant information estimates that the total amount of overdue small credit cards in my country's banks is more than 500 billion yuan, with an annual increase of more than 50 billion yuan. Therefore, credit management risks for financial institutions are high. At present, the main collection strategy of banks is telephone collection, and collection is mainly done by self-notification, or outsourcing to collection companies (often may lead to some ill...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q50/18
CPCG06Q50/18G06Q40/03
Inventor 罗彬冯家辉李果曾寒刘独玉袁世俊管学峰李金融
Owner 成都律军风险管理股份有限公司
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