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Loan approval method and device, equipment and storage medium

A deposit and index technology, applied in the field of data processing, can solve the problems of small businesses or personal loans and difficult audits

Pending Publication Date: 2020-11-10
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, for small enterprises or individuals with relatively weak assets, it is difficult to pass the review of the existing loan approval method, so there is a problem that it is difficult for small enterprises or individuals with relatively weak assets to obtain loans, and urgent improvement is needed

Method used

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  • Loan approval method and device, equipment and storage medium
  • Loan approval method and device, equipment and storage medium
  • Loan approval method and device, equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0026] figure 1 It is a flowchart of a loan approval method provided by Embodiment 1 of the present invention. This embodiment is applicable to loan approval for loan objects, especially for loan approval for loan objects with relatively weak assets (such as small enterprises) Case. The method can be executed by a loan approval device or device, and the device can be implemented in the form of software and / or hardware. Optionally, the device in this embodiment of the present invention may be a smart device installed with an application program client, such as a smart phone, a tablet computer, a notebook computer, a vehicle terminal, and a wearable device.

[0027] optional, such as figure 1 As shown, the method specifically includes the following steps:

[0028] S101. Obtain the tax credit information and asset information of the loan object through the external information collection interface and / or the internal information collection interface, and transmit the tax credi...

Embodiment 2

[0048] figure 2 It is a flowchart of a loan approval method provided by Embodiment 2 of the present invention. This embodiment is further optimized on the basis of the above embodiments, and specifically provides an introduction to the specific situation of obtaining the tax credit index of the loan object by statistically analyzing the tax credit information. Specifically, such as figure 2 As shown, the method specifically includes the following steps:

[0049] S201. Obtain the tax credit information and asset information of the loan object through the external information collection interface and / or the internal information collection interface, and transmit the tax credit information to the tax credit calculation module, and transmit the asset information to the evaluation and review module.

[0050] S202. Statistically analyze the tax payment index, tax payment frequency, liability index, guarantee index and loan application amount in the tax credit information through...

Embodiment 3

[0072] Figure 3A It is a flowchart of a loan approval method provided in Embodiment 3 of the present invention; Figure 3B It is a schematic diagram of a loan approval process provided by Embodiment 3 of the present invention. On the basis of the above-mentioned embodiments, this embodiment further optimizes and provides a preferred example of a loan approval method, as shown in Figure 3A-3B As shown, the method specifically includes the following steps:

[0073] S301. Pre-grant credit for the loan object through the credit limit module according to the asset information of the loan object.

[0074] Optionally, after the loan object applies for a loan, the financial institution usually needs to evaluate the total assets of the loan object according to the asset information of the loan object. The total assets of the loan object determine whether it has the ability to repay the loan, so the embodiment of the present invention can The credit limit module pre-grants the loan ...

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Abstract

The embodiment of the invention discloses a loan approval method and device, equipment and a storage medium, and the method comprises the steps: obtaining tax payment credit information and asset information of a loan object through an external information collection interface and / or an internal information collection interface, and transmitting the tax payment credit information to a tax calculation module, transmitting the asset information to an evaluation auditing module; processing the tax payment credit information through a tax calculation module to obtain a tax index of a loan object,and outputting the tax index to an evaluation auditing module; wherein the tax credit index comprises at least one of a tax payment characteristic index, a basic characteristic index, a transaction characteristic index and a credit characteristic index; and comprehensively evaluating the tax credit index and the asset information through an evaluation auditing module, and signing and loaning for the loan object passing the evaluation. According to the scheme of the embodiment of the invention, the problem of difficulty in loan of small enterprises or individuals with relatively weak assets caused by an existing loan approval process is solved, and a new thought is provided for loan approval.

Description

technical field [0001] The embodiments of the present invention relate to the technical field of data processing, and in particular to a loan approval method, device, equipment and storage medium. Background technique [0002] With the development of the financial economy, more and more enterprises and individuals will choose to apply for loans from financial institutions to solve the problem of shortage of funds. At present, the existing loan approval methods usually measure whether the loan applied by the loan object is approved or not based on the asset information of the loan object, such as the financial assets, collateral or income of the enterprise or individual. However, for small enterprises or individuals with relatively weak assets, it is difficult to pass the review of the existing loan approval method, so there is a problem that it is difficult for small enterprises or individuals with relatively weak assets to obtain loans, which urgently needs to be improved. ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q40/00
CPCG06Q40/10G06Q40/03
Inventor 侯伟俊
Owner CHINA CONSTRUCTION BANK
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