Unlock instant, AI-driven research and patent intelligence for your innovation.

Loan risk control method and system

A technology of risk control and risk level, applied in data processing applications, finance, instruments, etc., can solve the problems of lack of evaluation system and methods for loan repayment behavior, and achieve rapid and large-scale promotion and reduce the probability of non-performing loans Effect

Inactive Publication Date: 2010-02-24
ALIBABA GRP HLDG LTD
View PDF0 Cites 25 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Moreover, after users apply for loans and repay loans normally, the bank does not provide more detailed rewards and records for them, and lacks specific and quantitative evaluation systems and methods for loan repayment behaviors. It is the same to repay the loan early or a little later, and it is the same which bank to apply for the loan

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Loan risk control method and system
  • Loan risk control method and system
  • Loan risk control method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0053] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be described in detail below in conjunction with the accompanying drawings and specific embodiments. Apparently, the described embodiments are only some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0054] In the present invention, by providing a loan risk control method and system, the problem of loan repayment risk control for various forms of loans applied for and issued through the Internet is solved, and users who obtain loans and repay loans normally are rewarded and encouraged. It is beneficial to improve the reputation of users and facilitate users to obtain loans again. Through the negative arrest and announcement ...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention discloses a loan risk control method and a loan risk control system. The method comprises the following steps of: acquiring user information; classifying users according to the user information and the corresponding relation between the user information and risk grade; and triggering a corresponding excitation system for risk control according to a classification result of the users.In the method and the system, by classifying the users and trigging the corresponding excitation system for risk control according to the classification result, the method and the system solve the problem of loan repayment risk control of various forms of loans which are applied and offered through the internet, furthest reduce the probability of non-performing loan, and encourage the normal loanrepayment of the users.

Description

technical field [0001] The invention relates to the field of electronic commerce, in particular to a loan risk control method and system. 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 ind...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00
CPCG06Q40/02G06Q40/025G06Q40/08G06Q40/03
Inventor 胡晓明李峰高竞吕蔚嬿张秀云张正威
Owner ALIBABA GRP HLDG LTD