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Financial lending risk assessment method and system

A risk assessment and financial technology, applied in finance, instruments, data processing applications, etc., can solve problems such as inaccurate risk assessment, achieve the effect of reducing lending risks and improving objectivity and accuracy

Inactive Publication Date: 2019-07-12
湖北风口网络科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The existing risk assessment method needs to rely on the approval materials provided by the individual applying for the loan to complete the risk assessment. However, the individual applying for the loan may often provide false materials, resulting in an inaccurate final risk assessment and bringing huge losses to the lending institution. risk

Method used

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  • Financial lending risk assessment method and system
  • Financial lending risk assessment method and system
  • Financial lending risk assessment method and system

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Embodiment Construction

[0033] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are the Some, but not all, embodiments are invented. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0034] figure 1 A flowchart of a financial lending risk assessment method provided by an embodiment of the present invention, such as figure 1 shown, including:

[0035] S101. Obtain identification information of a loan applicant, where the identification information includes at least the name and identification number of the loan applicant;

[0036] S102. According ...

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Abstract

The embodiment of the invention provides a financial lending risk assessment method and system, and the method comprises the steps: obtaining the identification information of a lending applicant, wherein the identification information at least comprises the name and an identity recognition number of the lending applicant; according to the identification information, obtaining the most active object in economic exchange with the lending applicant; obtaining the personal credit of the most active object in the economic exchange; and comprehensively evaluating the personal credit of the lendingapplicant and the personal credit of the most active object, and obtaining a risk evaluation result of the lending applicant. By comprehensively considering the personal credit of the most active object in closest economic communication with the lending applicant, the situation that false materials possibly exist in approval materials provided by the lending applicant is avoided, the objectivityand accuracy of financial lending risk assessment are improved, and the lending risk of a lending institution is greatly reduced.

Description

technical field [0001] The present invention relates to the technical field of financial risk management and control, and more specifically, to a financial lending risk assessment method and system. Background technique [0002] When a financial lending institution approves an individual or enterprise's loan application, it needs the individual or enterprise applying for the loan to provide relevant credit information. Personal credit information generally includes: personal work unit, bank statement within a certain period of time, fixed assets, liabilities, etc. Enterprise credit information generally includes: receivables in recent years, loans, and the credit status of the credited enterprise or business partner. Financial lending institutions determine whether the loan approval for individuals and businesses is approved by reviewing the above-mentioned materials. The above approval process is the so-called lending risk assessment process, which can help financial lend...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 阮爽
Owner 湖北风口网络科技有限公司
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