Loan credit extension method and device, storage medium and computer device

Abstract

The invention discloses a loan credit granting method and device, a storage medium and a computer device. The loan credit granting method comprises the following steps: establishing a python-Redis connection pool, and configuring the connection pool through a configuration file; receiving user application information, and storing the user application information as execution data in the Redis; determining a credit granting scene corresponding to the user application information and a credit granting process corresponding to the credit granting scene according to the user application information; using the user application information to sequentially execute a plurality of credit granting sub-processes, and when any credit granting sub-process is executed, obtaining connection from the connection pool; obtaining execution data related to any credit granting sub-process from the Redis through the connection; and according to the user application information related to any credit grantingsub-process, executing any credit granting sub-process by calling a python process corresponding to any credit granting sub-process, and storing an execution result as new execution data in the Redis.

Description

technical field [0001] This application relates to the technical field of credit granting, in particular to a credit granting method and device, a storage medium, and computer equipment. Background technique [0002] From the perspective of the industry, traditional financial institutions usually serve large enterprises and companies with a small number of customers and a relatively large amount, and basically rely on manual services. However, in the development of inclusive finance, usually the customer base of inclusive finance is mainly small and micro enterprises, low- and middle-income urban population, and rural areas and farmers. The product life cycle of inclusive finance is usually short and the amount is small, and interest rates are also required. It is very low and there are no assets that can be mortgaged. It is difficult to adapt to the traditional bank's operating methods. Therefore, only with the help of technology can HP Finance develop healthily and sustain...

AI Technical Summary

Problems solved by technology

Although the threshold of access rules and the weight of model calculation can be flexibly configured, the model calculation process is relatively fixed and requires professional programming technicians to develop, which is costly and difficult to be compatible with the special requirements for model input and output in different scenarios, and The calculation model needs to call data from the database multiple times, the system burden is heavy, and the efficiency is low, which hinders the development of inclusive financial services

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