Credit early-warning system and method

Abstract

The invention discloses an early warning method in loans, which comprises the following steps: collecting user information, associating the user information according to user numbers, then, adding into the user number, determining the risk grade of users according to the user information and the corresponding relation between the user information and the risk grade, and triggering a corresponding flow according to the risk grade of the users. The invention also discloses an early warning system in the loans. The method and the system obtain behaviors of the users in various mechanism units or systems in time, can classify and clean up, then, can adjust fractions, and can observe a state curve diagram of the users in a time section, the corresponding processing flow can be triggered in first time, working staff of a loan related party can be noticed in time, which is convenient for the loan related party to know current conditions of the users and to make various judgment and treatment.

Description

technical field [0001] The invention relates to the field of electronic commerce, in particular to a loan early warning system and method. Background technique [0002] With the rapid development of social economy, both enterprises and individuals may apply for loans from banks or financial institutions. For example, in order to expand the scale of production and operation, enterprises need to introduce advanced technology and equipment. However, these technologies and equipment usually need to spend a lot of money, often tens of millions or tens of millions of yuan. Individual users also need to spend hundreds of thousands or even millions of dollars in order to start a company or buy a house. For these enterprises and individuals, it is very difficult to pay such a huge amount at one time, and the solution includes borrowing from the bank. Enterprises or individual users apply for a loan from the bank, and after the bank verifies the identity of the enterprise and the in...

AI Technical Summary

Problems solved by technology

[0003] However, in the existing technology, during the period after the user obtains the loan, the bank has few channels to obtain the loan information of the relevant user, the update is not timely, and the relevant personnel and institutions cannot be notified in time, and the risk processing process is triggered. The loan risk control ability is relatively weak. Difference

Therefore, the bank cannot timely obtain information about the use of the loan, its operating conditions, whether the purpose of the loan complies with the loan contract, whether there are various bad records, etc., resulting in the bank being unable to recover the principal and interest after the end of the loan period, resulting in non-performing loans.

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