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Credit approval system

A credit and loan technology, applied in the field of credit approval, can solve problems such as low efficiency and high operational risk

Pending Publication Date: 2021-04-23
苏州碧湾信息技术有限公司
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0003] The purpose of the present invention is to provide a credit approval system to solve the problems of low efficiency and high operational risk in the above-mentioned background technology

Method used

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Embodiment

[0031] see Figure 1-10, the present invention provides a technical solution: a credit approval system, including a business application layer 1, a business service layer 2 and a technical support layer 3, the business application layer 1 includes a foreground support unit 4, a risk management unit 5 and an examination and approval Unit 6, the review and approval unit 6 includes a data review module 7, a financial analysis review module 8, and a policy review module 9, and the business service layer 2 includes a quota measurement module 10, a guarantee method review module 11, and a repayment method review module 12 , anti-fraud module 13, loan pricing module 14, credit period confirmation module 15 and customer rating module 16, the technical support layer 3 includes a score card module 17, a neural network 18, a rule engine module 19 and a decision-making module 20, the customer The rating module 16 includes an application scoring unit 21, a collection scoring unit 22, and a...

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Abstract

The invention belongs to the technical field of credit approval, and particularly relates to a credit approval system, which comprises a business application layer, a business service layer and a technical support layer, and is characterized in that the business application layer comprises a foreground support unit, a risk management unit and a review approval unit, wherein the examination and approval unit comprises a data examination module, a financial analysis examination module and a policy examination module, and the business service layer comprises a quota calculation module, a guarantee mode examination module, a repayment mode examination module, an anti-fraud module, a loan pricing module, a credit extension period confirmation module and a client rating module. The technical support layer comprises a score card module, a neural network, a rule engine module and a decision-making module. The system gradually evolves to intellectualization on the basis of process. Intelligent decision support is used as an engine to gradually replace an operation mode mainly based on manpower, credit operation efficiency is improved through a comprehensive and objective method, and professionality is improved.

Description

technical field [0001] The invention relates to the technical field of credit approval, in particular to a credit approval system. Background technique [0002] With the continuous development of IT technology and the introduction of foreign advanced theoretical knowledge and technology, credit approval has gradually changed from the traditional approval mode with low production efficiency and high risk to the centralized mode of middle and back office with centralized risk control, and then to a more advanced process Schema evolution. With the continuous change of technology, relying on the expert system, the new generation of credit approval management system has become a trend towards specialization, intelligence, and comprehensive risk management. The current approval mode focuses on the design and optimization of process positions, according to a unified process Standard division of labor is used to improve the efficiency of financing services and risk control, but man...

Claims

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Application Information

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IPC IPC(8): G06Q10/10G06Q40/02
CPCG06Q10/103G06Q40/03
Inventor 季白杨
Owner 苏州碧湾信息技术有限公司
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