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Loan credit granting platform and credit granting method thereof, credit granting equipment and readable storage medium

A technology for lending and lending parties, applied in the financial field, can solve problems such as financial platform economic loss, risk of increasing credit, and loan user evaluation lag, and achieve the effects of avoiding economic loss, improving accuracy, and reducing risks

Inactive Publication Date: 2019-05-03
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

However, since these materials and certificates are historical static data, the assessment of loan users has a certain lag and one-sidedness, which affects the accuracy of risk assessment results, increases the risk of credit granting, and easily causes economic losses to financial platforms.

Method used

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  • Loan credit granting platform and credit granting method thereof, credit granting equipment and readable storage medium
  • Loan credit granting platform and credit granting method thereof, credit granting equipment and readable storage medium
  • Loan credit granting platform and credit granting method thereof, credit granting equipment and readable storage medium

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Embodiment Construction

[0048] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0049] The main solution of the embodiment of the present invention is: obtain the static data of the lender, generate and output the corresponding target credit question according to the static data; receive the dynamic data when the lender answers several target credit questions; analyze the static data and the dynamic data to obtain the total assessment score of the lender; when the total assessment score is greater than or equal to a preset score, credit is granted to the lender.

[0050] Due to the existing technology, only the static data of loan user history is used to evaluate loan users, which has a certain lag and one-sidedness.

[0051] The present invention provides the above-mentioned solution to improve the accuracy of risk assessment for lending users, reduce the risk of lending credit, and avoid unnece...

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Abstract

The invention discloses a loan credit granting method, which comprises the following steps of: obtaining static data of a borrower, and generating and outputting a corresponding target credit grantingproblem according to the static data; receiving dynamic data of the creditor when the creditor answers a plurality of target credit granting questions; analyzing the static data and the dynamic datato obtain a total evaluation score of the creditor; and when the total evaluation score is greater than or equal to a preset score, credit granting is carried out on the debtor. The invention furtherdiscloses a loan credit extension platform, loan credit extension equipment and a readable storage medium. According to the method, the accuracy of risk assessment of the borrowing and lending users is improved, the risk of borrowing and lending is reduced, and unnecessary economic loss of a financial platform is avoided.

Description

technical field [0001] The invention relates to the field of financial technology, in particular to a loan credit granting method, a loan credit granting platform, a loan credit granting device and a readable storage medium. Background technique [0002] The current online financial platform provides loan services to customers. When applying for a customer loan, the risk assessment of the loan user is realized by reviewing the relevant materials and certificates uploaded by the customer, and credit is granted to the low-risk loan user. However, since these materials and certificates are historical static data, the assessment of loan users has a certain lag and one-sidedness, which affects the accuracy of risk assessment results, increases the risk of credit granting, and easily causes economic losses to financial platforms. [0003] The above content is only used to assist in understanding the technical solution of the present invention, and does not mean that the above con...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 薛静邹孟睿徐志成
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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