CN109670936A - Loan examination & approval processing method, platform, equipment and computer readable storage medium - Google Patents
Loan examination & approval processing method, platform, equipment and computer readable storage medium Download PDFInfo
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Abstract
The invention discloses a kind of loans to examine processing method, is applied to loan platform, this method comprises: extracting applicant's information and credit information from the loan requests when receiving the loan requests of terminal transmission；According to applicant's information, the credit scoring of applicant is obtained；According to the loan product and the amount of the loan of the credit information, the default screening conditions to match in database with the credit information are searched；According to the default screening conditions and the credit scoring, the loan qualification grade of applicant is determined, and loan is examined based on the determining loan qualification grade.The invention also discloses a kind of platform, equipment and computer readable storage mediums.Present invention reduces loan process cycles, while reducing a possibility that risk case occurs, and then promote loan transaction development and realize the beneficial effect of risk management and control.
Description
Technical field
The present invention relates to finance debt-credit technical field more particularly to a kind of loan examination & approval processing method, platform, equipment and meters
Calculation machine readable storage medium storing program for executing.
Background technique
With the rapid development of our country's economy, financial market is gradually improved and mature.Traditional loan mode includes loan
The stages such as the management after the granting of preceding application and examination & approval, loan, and loan.In the application loan stage, need applicant prior
Application materials and documentary evidence are got out, bank is then submitted to or other financial institutions is examined.The loan stage is being examined,
Two ways is examined on general wired lower examination & approval and line, is examined under middle line, by the experience and personal quality of customer manager,
Subjectivity is bigger, and needs to artificially collect the various data of applicant and analyze and determine, leads to examine that the period is longer, efficiency
It is low, human cost is high.And examined on line due to lacking the judgement to applicant's truth, potential wind can not be recognized accurately
Danger, and then lower loan limit can only be provided, influence the development of loan transaction.
Summary of the invention
The main purpose of the present invention is to provide a kind of loan examination & approval processing method, platform, equipment and computer-readable deposit
Storage media, it is intended to the technical issues of solving how to simplify loan approval process, while can also realizing risk management and control.
To achieve the above object, a kind of loan provided by the invention examines processing method, is applied to loan platform, comprising:
When receiving the loan requests of terminal transmission, applicant's information and loan letter are extracted from the loan requests
Breath；
According to applicant's information, the credit scoring of applicant is obtained；
According to the loan product and the amount of the loan of the credit information, searches and match in database with the credit information
Default screening conditions；
According to the default screening conditions and the credit scoring, the loan qualification grade of applicant is determined, and based on true
The fixed loan qualification grade examines loan.
Optionally, described according to applicant's information, the credit scoring for obtaining applicant includes:
The credit scoring to match with applicant's information is obtained from third party's credit system；Or
The scorecard model that applicant's information is uploaded to air control system is subjected to assessment processing, obtains credit scoring.
Optionally, the default screening conditions include three grades, respectively outstanding, good, poor, and it is pre- to be equipped with first
If threshold value T1 and the second preset threshold T2, and the first preset threshold T1 the second preset threshold of > T2, described according to the default sieve
Condition and the credit scoring are selected, determines that the loan qualification grade of applicant includes:
When the score value X of the credit scoring is greater than or equal to the first preset threshold T1, the loan qualification of applicant is determined
Grade is outstanding；
When the score value X of the credit scoring is less than the first preset threshold T1, and is greater than or equal to the second preset threshold T2,
Determine that the loan qualification grade of applicant is good；
When the score value X of the credit scoring is less than the second preset threshold T2, determine that the loan qualification grade of applicant is
It is poor.
Optionally, described to include: based on determining loan qualification grade examination & approval loan
When the determining loan qualification grade is outstanding, exempt to examine, and determines that loan approval results are to pass through；
When the determining loan qualification grade is good, entering surface label examine link；
When the determining loan qualification grade is poor, into artificial examination & approval link.
It optionally, is by the way that later, the loan examines processing method in the determining loan approval results further include:
Electronic contract is generated according to applicant's information and the credit information；
The electronic contract of generation is issued to the terminal, so that the terminal feeds back signed electronic contract；
Operation of making loans is executed according to the electronic contract of signature.
Optionally, described when the determining loan qualification grade is good, entering surface label examination & approval link includes:
Preset face label examination & approval are issued to notify to the terminal, so that applicant carries out video face label by the terminal,
Obtain face label approval results；
If the face label approval results are to pass through, it is determined that loan approval results are to pass through；
If the face label approval results are not pass through, the artificial examination & approval link is jumped to；
Optionally, described when the determining loan qualification grade is poor, include: into artificial examination & approval link
Applicant's information is forwarded to approval system under line, so that approving person is manually examined, and feeds back people
Work approval results；
If the artificial approval results are to pass through, the face label examination & approval link is jumped to；
If the artificial approval results are not pass through, issue loan examination & approval and refuse the notification information passed through to the end
End, and terminate the loan approval process of the loan requests.
In addition, to achieve the above object, the present invention also provides a kind of loan platform, the loan platform includes:
Extraction module, for extracting application from the loan requests when receiving the loan requests of terminal transmission
People's information and credit information；
Module is obtained, for obtaining the credit scoring of applicant according to applicant's information；
Screening module, for the loan product and the amount of the loan according to the credit information, search in database with it is described
The default screening conditions that credit information matches；
Approval module, for determining the loan qualification of applicant according to the default screening conditions and the credit scoring
Grade, and loan is examined based on the determining loan qualification grade.
In addition, to achieve the above object, the present invention also provides a kind of loans to examine equipment, the loan examines equipment packet
It includes: the loan examination & approval processing routine that memory, processor and being stored in can be run on the memory and on the processor,
The loan examination & approval processing routine realizes the loan examination & approval processing side as described in any one of above-mentioned when being executed by the processor
The step of method.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Loan examination & approval processing routine is stored on storage medium, the loan examination & approval processing routine is realized when being executed by processor as above-mentioned
Any one of described in loan examine processing method the step of.
The present invention is that applicant's information is extracted from loan requests when receiving the loan requests of terminal transmission first
And credit information obtains the credit scoring of applicant, and the loan product according to credit information then according to applicant's information
And the amount of the loan, search the default screening conditions that match with credit information in database, it is last according to preset screening conditions and
Credit scoring determines the loan qualification grade of applicant, and examines loan based on determining loan qualification grade.The present invention passes through
Screening conditions are set for every a loan product and its corresponding amount of the loan, and combine the credit scoring of applicant for user's loan
Qualification carries out grade classification, and then executes different loans according to different brackets and examine strategy, shortens loan process cycle, simultaneously
A possibility that risk case occurs is reduced, and then promotes loan transaction development and realizes the beneficial effect of risk management and control.
Detailed description of the invention
Fig. 1 is the structural schematic diagram for the loan examination & approval equipment operating environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of present invention loan examination & approval one embodiment of processing method；
Fig. 3 is Fig. 2 step S40 according to default screening conditions and credit scoring, determines the loan qualification grade one of applicant
The refinement flow diagram of embodiment；
Fig. 4 is the flow diagram of present invention loan examination & approval another embodiment of processing method；
Fig. 5 is the functional block diagram of present invention loan one embodiment of platform.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that described herein, specific examples are only used to explain the present invention, is not intended to limit the present invention.
Referring to Fig.1, Fig. 1 is the structural schematic diagram for the loan examination & approval equipment operating environment that the embodiment of the present invention is related to.
Loan examination & approval of embodiment of the present invention equipment is that a kind of have the function of to access network, sending and receiving data, calculation process etc.
Server, service platform, terminal device.
As shown in Figure 1, loan examination & approval equipment may include: processor 1001, such as CPU, communication bus 1002, user
Interface 1003, network interface 1004, memory 1005.Wherein, communication bus 1002 is for realizing the connection between these components
Communication.User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), network interface
1004 may include optionally standard wireline interface and wireless interface (such as WI-FI interface).Memory 1005 can be high speed
RAM memory is also possible to stable memory (non-volatile memory), such as magnetic disk storage.Memory 1005
It optionally can also be the storage device independently of aforementioned processor 1001.
It will be understood by those skilled in the art that the hardware configuration of loan examination & approval equipment shown in Fig. 1 is not constituted to loan
Money examines the restriction of equipment, may include perhaps combining certain components or different portions than illustrating more or fewer components
Part arrangement.
As shown in Figure 1, as may include operating system, net in a kind of memory 1005 of computer readable storage medium
Network communication module, Subscriber Interface Module SIM and computer program.Wherein, operating system be manage and control loan examination & approval equipment and
The program of software resource supports the operation of loan examination & approval processing routine and other softwares and/or program.
In the hardware configuration of loan examination & approval equipment shown in Fig. 1, network interface 1004 is mainly used for accessing network；User
Interface 1003 is mainly used for detecting confirmation Command And Edit instruction etc..And processor 1001 can be used for calling in memory 1005
The loan of storage examines processing routine, and executes the operation in the following each embodiment for examining processing method of providing a loan.
It is the flow diagram of present invention loan examination & approval one embodiment of processing method referring to Fig. 2, Fig. 2.
The embodiment of the invention provides the embodiments of loan examination & approval processing method, it should be noted that although spreading figure
In show logical order, but in some cases, shown or described step can be executed with the sequence for being different from herein
Suddenly.
In the present embodiment, loan examination & approval processing method is applied to loan platform, and platform and several terminals, which are established, to be communicated to connect,
Realize the interaction of information data.Terminal may include that mobile phone, tablet computer, laptop, personal digital assistant etc. are moved
The fixed terminals such as dynamic terminal, and number TV, desktop computer.In each embodiment of loan examination & approval processing method,
For ease of description, with platform of providing a loan, i.e. this equipment is that executing subject is illustrated each embodiment.Loan examination & approval processing method
Include:
Step S10 extracts applicant's information and loan when receiving the loan requests of terminal transmission from loan requests
Money information；
In the present embodiment, loan is bank or other financial institutions by certain interest rate and the conditions such as must give back and lend currency
A kind of credit activity form of fund.Loan requests be user according to itself demand for loan its terminal preset APP
The application triggered in (Application, application program), and loan platform is sent to by the held terminal of user of providing a loan.
In the present embodiment, provide a loan user, that is, applicant, loaning bill side, and loan requests include applicant's information and credit information,
Wherein, applicant's information is userspersonal information, including but not limited to name, age, ID card information, contact method, family
The contents such as front yard Major Members, job overall, annual pay, marital status, thus, it is carrying out loan application, it is a lot of without preparing
Testimonial material improves the flexibility of online application loan.It is provided it should be understood that loan user browses platform by terminal
Loan product, select a product according to demand, and selection needs to provide a loan under selected product item amount, the length of maturity
Deng, thus credit information includes at least loan product and the amount of the loan, can also include the length of maturity, interest rate, mode of repayment etc.
Content.Loan product such as personal loan, petty load, loan for purchasing car, housing loan, tourism loan, loans for supporting students etc., specific root
Depending on applicant's self-demand.The amount of the loan such as 5,000,10,000,300,000,2,000,000 differs, with specific reference to applicant's self-demand
Depending on.
Step S20 obtains the credit scoring of applicant according to applicant's information；
In the present embodiment, based on on-line finance debt-credit is mostly borrowed with credit, and fiduciary loan refers to the prestige hair with borrower
The loan put, borrower do not need to tender guarantee.Its feature be exactly debtor without provide guarantee or third party guarantees only with
The prestige of oneself can obtain loan, and using borrower's creditworthiness as guarantee of refunding.Due to this pattern of lending risk
It is larger, generally detailed investigation is carried out situations such as economic benefit to loaning bill side, management level, development prospect, with drop
Low-risk.Thus according to applicant's information, the credit scoring of applicant is obtained.Credit scoring is also referred to as credit evaluation, credit is commented
Grade, credit rating, credit evaluation.It is to consider basis that credit scoring, which is with a set of index of correlation system, indicates applicant's reimbursemen
The process of its debt ability and wish is ability and trusted journey that can applicant such as from about repay capital with interest to born various debts
The assessment of degree is the evaluation to debt repayment risk.
Further, step S20 includes obtaining the standing to match with applicant's information from third party's credit system to comment
Point；Or the scorecard model that applicant's information is uploaded to air control system is subjected to assessment processing, obtain credit scoring.Third party's letter
It is the Central Bank's credit investigation system provided by professional institution, official such as People's Bank of China or qualified main strategies with system
Mechanism, the sesame credit system provided such as ant gold clothes.Third party's credit system is by the technologies such as cloud computing, machine learning visitor
See the credit standing of presentation user individual.By third party's credit system, the money to match with applicant's information can be got
Letter scoring is not necessarily to additional operation, convenient and efficient, and credit scoring is fair and just.The exploitation of the scorecard model of air control system with
Using, such as acquisition storage client and the data of potential customers, exploratory data analysis, data processing, change consistent with the prior art
The model of one evaluation user credit degree of the buildings such as amount selection, and then applicant's information is directed into model and is carried out at assessment
Reason, can be obtained credit scoring.Credit scoring is also possible to 600 points of systems, 800 points of systems etc. usually based on hundred-mark system, when from the
When the system difference for the credit scoring or the credit scoring run out of of model that tripartite's credit system obtains, equivalent at hundred-mark system,
And then obtain that the credit scoring of applicant A is 95 points, the credit scoring of applicant B is 76 points, the credit scoring of applicant C is
68.7 point etc..
Step S30 is searched and is matched in database with credit information according to the loan product and the amount of the loan of credit information
Default screening conditions；
In the present embodiment, it is per a that bank or other financial institutions etc., which go out money root according to the market demand, air control strategy etc.,
Screening conditions are arranged in loan product and its corresponding amount of the loan, i.e. the different product difference amount of money is correspondingly arranged different screening conditions.
It should be understood that loan product has very much, such as personal loan, petty load, loan for purchasing car, housing loan, tourism loan, help
Learn loan etc..It is correspondingly arranged on multiple amounts of the loan per a product to select for user, such as 50,000,100,000 or customized.It is preferred that
Ground, default screening conditions include three grades, respectively outstanding, good, poor, and are equipped with preset threshold and carry out grade classification.
It should be added that the sequencing of step S20 and step S30 can be interchanged or simultaneously, that is, extracting
After applicant's information and credit information, step S20 and step S30 can be carried out simultaneously, can also be first carried out step S30 and be held again
Row step S20.
Step S40 determines the loan qualification grade of applicant according to default screening conditions and credit scoring, and based on true
Fixed loan qualification grade examines loan.
In the present embodiment, according to default screening conditions and credit scoring, the loan qualification grade of applicant is determined, preferably
Ground, grade include outstanding, good and poor.Qualification of providing a loan is outstanding, illustrates that applicant applies for that the credit risk of the product value is small,
It is with a high reputation, guaranteed.Qualification of providing a loan is good, illustrates that applicant applies for that the creditworthiness of the product value is general, has certain wind
Danger.Qualification of providing a loan is poor, illustrates the case where applicant applies for that the creditworthiness of the product value is poor, and there are impotentia refund, has
There is greater risk.It is the demand for loan of different user difference by grade examination & approval loan by determining grade, it is specific to determine loan qualification
Grade and loan approval process are described in detail in embodiments below.
It is that application is extracted from loan requests when receiving the loan requests of terminal transmission first in the present embodiment
People's information and credit information obtain the credit scoring of applicant, and the loan according to credit information then according to applicant's information
Money product and the amount of the loan search the default screening conditions to match in database with credit information, last according to default screening
Condition and credit scoring determine the loan qualification grade of applicant, and examine loan based on determining loan qualification grade.This hair
It is bright by for screening conditions are arranged per a loan product and its corresponding amount of the loan, and combining the credit scoring of applicant is to use
Family loan qualification carries out grade classification, and then executes different loans according to different brackets and examine strategy, shortens process week of providing a loan
Phase, while a possibility that risk case occurs is reduced, and then promote loan transaction development and realize the beneficial effect of risk management and control
Fruit.
It is Fig. 2 step S40 according to default screening conditions and credit scoring referring to Fig. 3, Fig. 3, determines the loan money of applicant
The refinement flow diagram of one embodiment of matter grade.
Based on the above embodiment, in the present embodiment, step S40 determines application according to default screening conditions and credit scoring
The loan qualification grade of people, comprising:
Step S41 determines the loan of applicant when the score value X of credit scoring is greater than or equal to the first preset threshold T1
Qualification grade is outstanding；
Step S42 when the score value X of credit scoring is less than the first preset threshold T1, and is greater than or equal to the second preset threshold
When T2, determine that the loan qualification grade of applicant is good；
Step S43 determines loan qualification of applicant etc. when the score value X of credit scoring is less than the second preset threshold T2
Grade is poor.
In the present embodiment, there are many loan products, and every kind settable multiple loan limits, the same amount of different product are set again
It sets screening conditions and identical product difference amount screening conditions requires to be configured with specific reference to actual business requirement.Screening
Condition includes three grades, respectively outstanding, good, poor, and is equipped with the first preset threshold T1 and the second preset threshold T2 and comes
Divided rank, and first preset threshold T1 the second preset threshold of > T2.The credit scoring score value for obtaining applicant is x
To be best understood from the present embodiment, screening conditions are arranged in the same amount of different product, such as with the citing of 100,000 loan limits
The following table 1:
| Product/grade | It is outstanding | Well | It is poor |
| Loan for purchasing car | x≥75 | 75 x >=65 > | X < 65 |
| Personal loan | x≥90 | 90 x >=75 > | X < 75 |
| Housing loan | x≥95 | 95 x >=75 > | X < 75 |
Table 1
Can be seen that from upper table, different product is equipped with three grades, but T1, T2 value being correspondingly arranged can it is identical can also be with
Difference, i.e., can be identical or different to the screening criteria of qualification scoring, is arranged with specific reference to credit side's actual demand out.
Further, screening conditions are arranged in identical product difference amount, are exemplified below table 2 with personal loan:
| Amount/grade | It is outstanding | Well | It is poor |
| 10000 | x≥83 | 83 x >=50 > | X < 50 |
| 100000 | x≥83 | 83 x >=68 > | X < 68 |
| 200000 | x≥95 | 95 x >=76 > | X < 76 |
Table 2
Can be seen that from upper table, T1, T2 value that this product difference amount of personal loan is correspondingly arranged can it is identical can also
, i.e., can be identical or different to the screening criteria of qualification scoring with difference, it is arranged with specific reference to credit side's actual demand out.Usually
The screening criteria of the big setting of the amount of the loan is higher, needs applicant's credit scoring also higher.
In the present embodiment, the credit scoring by obtaining applicant can determine applicant in conjunction with default screening conditions
Loan qualification grade be outstanding, good or poor, and then it is tactful according to different brackets to execute different examination & approval.Preferably, etc.
The outstanding good approval process of ratio grade of grade is more easy, and the good approval process than more poor grade of grade is more easy.
Further alternative, step S40 examines loan based on determining loan qualification grade, comprising:
1, when determining loan qualification grade is outstanding, exempt to examine, and determine that loan approval results are to pass through；
In the present embodiment, approval results include that examination & approval pass through, examine not by two kinds.When determining loan qualification grade is
When outstanding, illustrate that applicant applies for that the credit risk of the product value is small, it is with a high reputation, guaranteed, and then can skip unnecessary
Link is examined, that is, exempts the approval stage of artificial examination & approval, video face label, the examination & approval that are directly judged to providing a loan pass through, and then achievement unit
Point loan requests are examined automatically, save process, convenient and efficient.
2, when determining loan qualification grade is good, entering surface label examine link.Specifically, which includes:
2.1, it issues preset face label examination & approval notice and obtains face label examination & approval to terminal so that applicant carries out video face label by terminal
As a result；If 2.2, label approval results in face are to pass through, it is determined that loan approval results are to pass through；If 2.3, label approval results in face are not
Pass through, then jumps to artificial examination & approval link；
In the present embodiment, when determining loan qualification grade is good, illustrate that applicant applies for the loan of the product value
Money prestige is general, has certain risk, needs to sign by video face at this time further to audit whether applicant can repay debt
Business.Video face label are to rely on internet science and technology, in a manner of voice and video telephone, by backstage seat personnel (the long-range hilllock Mian Qian) to Shen
The operation of the online face label of carry out such as identity verification, the business item of asking someone are checked, data is signed, scene witness.It is signed by video face,
Bank or financial institution are come to personally without user, and long-range face sign-off reality can be realized, it is convenient and efficient, while wind can be further decreased
Danger.When background work personnel and user video are talked with, ask that applicant is some as reported identity card, health status, work shape at present
A series of problems, such as condition, income, and judge, judging that applicant is qualified debt-credit, face label examination & approval pass through if having,
That is loan examination & approval pass through；If without if face label examination & approval do not pass through, and then need to be transferred to artificial examination & approval link, further verify application
Whether applicant's information material that people provides is true.
3, when determining loan qualification grade is poor, into artificial examination & approval link.Specifically, which includes:
3.1, applicant's information is forwarded to approval system under line, so that approving person is manually examined, and feeds back artificial examination & approval knot
Fruit；If 3.2, artificial approval results are to pass through, face label examination & approval link is jumped to；If 3.3, artificial approval results are not pass through,
Then issuing loan examination & approval, not the notification information that passes through and terminates the loan approval process of loan requests to terminal.
In the present embodiment, artificial examination & approval include artificial first trial and artificial review, and artificial examination & approval need everybody work of background work
The various data of applicant, such as personal credit activity data are collected, are analyzed and determined, and then verify the application that applicant submits
Whether people's information is true.It should be noted that needing at least two staff point since the subjectivity manually examined is bigger
It Jin Hang not judge tentatively and discs determines, to improve the accuracy for verifying information.Artificial examination & approval are not contacted with applicant simultaneously, and
Applicant's qualification grade of providing a loan is poor, after illustrating applicant to apply for this loan that there are greater risks, thus artificial examination & approval pass through
It also needs to carry out video face label.And manually examine it is obstructed out-of-date, directly issue loan examination & approval not the notification information that passes through to correspondence
Terminal, and terminate the loan approval process of loan requests, that is, disagree the loan requests of applicant, and then realize risk pipe
Control.It should be added that if grade is good, but when the label of video face, led since applicant looks flustered or answer wrong problem
Cause face label are not by entering artificial examination & approval link, if the data information verification result that staff submits applicant at this time
Be it is false, then artificial approval results be do not pass through, if verification result be it is genuine, jump to again video face label, give apply
People signs chance in second of face.
In the present embodiment, by the way that screening conditions are arranged for every a loan product and its corresponding amount of the loan, and Shen is combined
The credit scoring asked someone is that user's loan qualification carries out grade classification, and then skips unnecessary examination & approval ring according to different brackets
Section simplifies approval process, and reduces a possibility that risk case occurs, and then promotes loan transaction development and realize risk pipe
The beneficial effect of control.
It is the flow diagram of present invention loan examination & approval another embodiment of processing method referring to Fig. 4, Fig. 4.
Based on the above embodiment, determining that loan approval results are by the way that later, loan examines processing method further include:
Step S50 generates electronic contract according to applicant's information and credit information；
The electronic contract of generation is issued to terminal by step S60, so that terminal feeds back signed electronic contract；
Step S70 executes operation of making loans according to the electronic contract of signature.
In the present embodiment, electronic contract, also known as electronic business contract are to pass through e-mail between both sides or multi-party party
The agreement for the purpose of property that breath network is reached as electrons.By above-mentioned definition can be seen that electronic contract be with
The contract that the mode of electronics is concluded.The conclusion of electronic contract, refer to the people that concludes a treaty make declaration of will and reach desirable behavior and
Process.The signing of any one contract requires both parties and carries out primary or multiple negotiation, negotiation, and finally reaches
At consensus, contract can be set up.The establishment of electronic contract refers to that the main clause between party with regard to contract is reached an agreement
Opinion.When loan examination & approval pass through, platform generates electronic contract according to applicant's information and credit information, that is, agrees to Shen
Ask someone propose loan application.And applicant checks treaty content, together when receiving the electronic contract that platform issues by terminal
It anticipates and feeds back to platform after signing, platform represents both sides in the electronic contract for receiving signature and is aware that clear and agrees to close
Together, contract comes into force immediately at this time, and platform is met one's engagements the loan origination of applicant's application to applicant, that is, executes the behaviour that makes loans
Make.
It will be appreciated by persons skilled in the art that the above operating process, the various, process for conventional loans submission data
The drawbacks such as complicated, examination & approval time length, propose preferable solution, and user only need to fill in related individual in the terminal APP page
Information, selectes loan and needs, and review operation on the line that follow-up process is automated improves the loan application operating body of user
It tests, increases the viscosity of user.
It is the functional block diagram of present invention loan one embodiment of platform referring to Fig. 5, Fig. 5.
In the present embodiment, loan platform includes:
Extraction module 10, for extracting Shen from the loan requests when receiving the loan requests of terminal transmission
Information of asking someone and credit information；
Module 20 is obtained, for obtaining the credit scoring of applicant according to applicant's information；
Screening module 30, for the loan product and the amount of the loan according to the credit information, search in database with institute
State the default screening conditions that credit information matches；
Approval module 40, for determining the loan money of applicant according to the default screening conditions and the credit scoring
Matter grade, and loan is examined based on the determining loan qualification grade.
It should be noted that each embodiment of loan platform and each embodiment of above-mentioned loan examination & approval processing method are basic
Identical, in this not go into detail.
In addition, being stored on the computer readable storage medium the present invention also provides a kind of computer readable storage medium
There is loan examination & approval processing routine, the loan examination & approval processing routine is realized as described in any one of above-mentioned when being executed by processor
The step of loan examination & approval processing method.
Each embodiment base of computer readable storage medium specific embodiment of the present invention and above-mentioned loan examination & approval processing method
This is identical, and in this not go into detail.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the device that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a readable storage medium
In matter (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal (can be mobile phone, computer, service
Device, air conditioner or network equipment etc.) method that executes each embodiment of the present invention.
The embodiment of the present invention is described with above attached drawing, but the invention is not limited to above-mentioned specific
Embodiment, the above mentioned embodiment is only schematical, rather than restrictive, those skilled in the art
Under the inspiration of the present invention, without breaking away from the scope protected by the purposes and claims of the present invention, it can also make very much
Form, it is all using equivalent structure or equivalent flow shift made by description of the invention and accompanying drawing content, directly or indirectly
Other related technical areas are used in, all of these belong to the protection of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of loan examines processing method, it is applied to loan platform characterized by comprising
When receiving the loan requests of terminal transmission, applicant's information and credit information are extracted from the loan requests；
According to applicant's information, the credit scoring of applicant is obtained；
According to the loan product and the amount of the loan of the credit information, match in lookup database with the credit information pre-
If screening conditions；
According to the default screening conditions and the credit scoring, the loan qualification grade of applicant is determined, and based on determining
The loan qualification grade examination & approval loan.
2. loan examination & approval processing method as described in claim 1, which is characterized in that it is described according to applicant's information, it obtains
The credit scoring for taking applicant includes:
The credit scoring to match with applicant's information is obtained from third party's credit system；Or
The scorecard model that applicant's information is uploaded to air control system is subjected to assessment processing, obtains credit scoring.
3. loan examination & approval processing method as described in claim 1, which is characterized in that the default screening conditions include three etc.
Grade, it is respectively outstanding, good, poor, and it is equipped with the first preset threshold T1 and the second preset threshold T2, and the first preset threshold T1
The second preset threshold of > T2, it is described according to the default screening conditions and the credit scoring, determine the loan qualification of applicant
Grade includes:
When the score value X of the credit scoring is greater than or equal to the first preset threshold T1, the loan qualification grade of applicant is determined
It is outstanding；
When the score value X of the credit scoring is less than the first preset threshold T1, and is greater than or equal to the second preset threshold T2, determine
The loan qualification grade of applicant is good；
When the score value X of the credit scoring is less than the second preset threshold T2, determine that the loan qualification grade of applicant is poor.
4. loan examination & approval processing method as claimed any one in claims 1 to 3, which is characterized in that described based on determining
The loan qualification grade examination & approval, which are provided a loan, includes:
When the determining loan qualification grade is outstanding, exempt to examine, and determines that loan approval results are to pass through；
When the determining loan qualification grade is good, entering surface label examine link；
When the determining loan qualification grade is poor, into artificial examination & approval link.
5. loan examination & approval processing method as claimed in claim 4, which is characterized in that in the determining loan approval results be logical
After crossing, the loan examines processing method further include:
Electronic contract is generated according to applicant's information and the credit information；
The electronic contract of generation is issued to the terminal, so that the terminal feeds back signed electronic contract；
Operation of making loans is executed according to the electronic contract of signature.
6. loan examination & approval processing method as claimed in claim 4, which is characterized in that described when the determining loan qualification etc.
When grade is good, entering surface label examination & approval link includes:
Preset face label examination & approval notice is issued to obtain to the terminal so that applicant carries out video face label by the terminal
Sign approval results in face；
If the face label approval results are to pass through, it is determined that loan approval results are to pass through；
If the face label approval results are not pass through, the artificial examination & approval link is jumped to.
7. loan examination & approval processing method as claimed in claim 4, which is characterized in that described when the determining loan qualification etc.
When grade is poor, include: into artificial examination & approval link
Applicant's information is forwarded to approval system under line, so that approving person is manually examined, and feeds back artificial examine
Criticize result；
If the artificial approval results are to pass through, the face label examination & approval link is jumped to；
If the artificial approval results are not pass through, issue loan examination & approval not the notification information that passes through to the terminal, and
Terminate the loan approval process of the loan requests.
8. a kind of loan platform, which is characterized in that the loan platform includes:
Extraction module, for extracting applicant's letter from the loan requests when receiving the loan requests of terminal transmission
Breath and credit information；
Module is obtained, for obtaining the credit scoring of applicant according to applicant's information；
Screening module, for the loan product and the amount of the loan according to the credit information, search in database with the loan
The default screening conditions that information matches；
Approval module, for determining the loan qualification grade of applicant according to the default screening conditions and the credit scoring,
And loan is examined based on the determining loan qualification grade.
9. a kind of loan examines equipment, which is characterized in that the loan examination & approval equipment includes: memory, processor and is stored in
On the memory and the loan examination & approval processing routine that can run on the processor, the loan examine processing routine by institute
State the step of loan examination & approval processing method as described in any one of claims 1 to 7 is realized when processor executes.
10. a kind of computer readable storage medium, which is characterized in that be stored with loan on the computer readable storage medium and examine
Batch program, the loan examination & approval processing routine are realized as described in any one of claims 1 to 7 when being executed by processor
The step of loan examination & approval processing method.
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| CN201811129097.0A CN109670936A (en) | 2018-09-26 | 2018-09-26 | Loan examination & approval processing method, platform, equipment and computer readable storage medium |
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|---|---|---|---|
| CN201811129097.0A CN109670936A (en) | 2018-09-26 | 2018-09-26 | Loan examination & approval processing method, platform, equipment and computer readable storage medium |
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