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Intelligent credit granting system and method for technical small and medium-sized enterprises

A technology for small and medium-sized enterprises and intelligent systems, applied in the field of credit system, it can solve the problems of easy loopholes in the overall process, unsupervised data upload, affecting user information security, etc., to reduce the difficulty of collection and identification, enhance security, improve The effect of utilization efficiency

Pending Publication Date: 2021-09-17
搜易热技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The present invention provides an intelligent credit system and method for small and medium-sized technological enterprises. One of the purposes is to have the ability of multi-mode auditing, and to solve the problem that not only errors easily occur but also The problem of low efficiency of credit approval review; another purpose is to solve the problem that the data upload of most credit approval systems is not supervised, and at the same time, the management is weak, and mistakes are prone to occur in the overall review process, resulting in leaks and affecting The issue of user information security, in order to improve the security of the credit system and reduce the risk of information leakage

Method used

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  • Intelligent credit granting system and method for technical small and medium-sized enterprises
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  • Intelligent credit granting system and method for technical small and medium-sized enterprises

Examples

Experimental program
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Effect test

Embodiment 1

[0040] like figure 1 , image 3 , The present invention provides a system for smart credit SME, including a signal receiving end platform credit, credit credit platform is connected to the client system, the signal output terminal is connected to platform credit credit system audit end, credit system audit end comprises a manual review ports and intelligent systems audit port, manual review port and intelligent systems audit dual channel design port, not only improve the audit efficiency while reducing errors generated when the audit, further reducing the audit expenditure processes, intelligent systems audit signal at the output port is connected to a smart credit server, the output of the signal audits end of the credit system is connected to the management server, terminal power management server connected to decrypt the distribution module, the terminal decrypts the distribution module power connected intelligent analysis module by with decryption distribution modules and intel...

Embodiment 2

[0042] like Figure 1-3, In the embodiment 1 on the basis of embodiments, the present invention provides a technical solution: Preferably, the credit system client module comprises a collection material, terminals electrically connected to material information acquisition module modeling module, collected through the material with module and an information model of the module, reducing the difficulty of information collection, while using a model of the design, such information architecture review more intuitively clear, further reducing the difficulty of review, the terminal electrical information modeling module is connected encrypted module terminals electrically encryption module is connected to the real-time storage module terminal electrically real storage module is connected to upload module, the receiving end the signal is connected uploading module output terminal of the credit platform, using information encryption module and real-time with the storage module, real-time d...

Embodiment 3

[0044] like Figure 1-5 As shown, on the basis of Example 1, Example 2, the present invention provides an intelligent method of credit for SME, smart credit for SME method, comprising the steps of:

[0045] Step one, the client uploads collected material;

[0046] Step two, the credit classification system platform distribution;

[0047] Step three, credit audit system audit end;

[0048] Step four, credit analysis and evaluation, in particular: Credit Analysis and Evaluation of mating by intelligent analysis module and smart credit server, intelligent analysis module first sends material information to the intelligent system audit port, approval is sent to the smart credit server, assigned credit limit, by using intelligent analysis module and intelligent system audit port with reduced labor costs review process to produce consumption and improve audit efficiency, if the audit fails, the feedback to the intelligent analysis module, intelligent analysis module will review the mater...

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Abstract

The invention discloses an intelligent credit granting system and method for technical medium and small enterprises, and relates to the technical field of credit granting systems.The intelligent credit granting system comprises a credit granting system platform, wherein the receiving end of the credit granting system platform is in signal connection with a credit granting system client, the output end of the credit granting system platform is in signal connection with a credit granting system auditing end, and the credit granting system auditing end comprises a manual auditing port and an intelligent system auditing port. Through the cooperation of the manual auditing port and the intelligent system auditing port, auditing channels are increased and the auditing accuracy and efficiency are ensured, and through the cooperation of a decryption distribution module and an intelligent analysis module, credit granting material information is intelligently analyzed, the difficulty and errors during auditing are reduced, and the auditing efficiency is improved. According to the system, the problems that errors are easy to occur and the credit granting auditing efficiency is relatively low because most credit granting systems are relatively dependent on a manual mode for auditing are solved, the utilization efficiency of the credit granting system is improved, and the use cost is reduced.

Description

Technical field [0001] The present invention relates to an intelligent system and method for credit, credit technical field relates to systems and more particularly relates to a system and method for intelligent trust oriented SME. Background technique [0002] Credit is the capital of commercial banks to non-financial institutional clients directly, or may have to compensate customers in the relevant economic activities, the responsibility to ensure the payment made, including loans, trade finance, bill financing, financial leasing, overdraft, each term advances and other services, in simple terms, refers to the behavior of bank credit to provide direct financial support to customers, or to a third party to ensure customer credit in related economic activities, and for credit for SMEs in the field of economy as a whole also it has a very important position, the overall behavior of credit to use more credit system. [0003] The prior art has the following problems: [0004] 1, th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/10
CPCG06Q10/103G06Q40/03
Inventor 马旭刚
Owner 搜易热技术有限公司
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