Loan permission assessment method and system

Abstract

The embodiment of the invention provides a loan permission assessment method which comprises the following steps: acquiring information of users applying for loan; analyzing the acquired information of the users applying for loan and generating an analysis result; dividing the users applying for loan into a plurality of classes according to the analysis result and forming an assessment report; andoffering the loan for the user who applies for loan and accords with the loan according to the assessment report. In the embodiment of the invention, detail transaction data of enterprises in an e-commerce platform and various banks can be obtained through the transaction data in a network station, individual authentication information of entrepreneurs and dynamic data of the enterprises in the network station can be obtained and historical data of the enterprises in a loan management system or loan risk control system can be also directly obtained, thereby completely analyzing the enterprises, completing all loan flows on-line and having the advantages of rapid and simple operation and low cost.

Description

technical field [0001] The invention relates to the technical field of computer networks, in particular to a loan access evaluation method and system. Background technique [0002] With the development of social economy, some enterprises or individuals have to borrow from banks to solve the problem of insufficient funds in order to make the normal operation of their projects, thus promoting the development of bank loan business. [0003] At present, the bank's loan review system is to analyze the financial statements of the company, or to visit and communicate with the company to decide whether to issue a loan to the company. There are great risks, and it is not conducive to large-scale, fast and low-cost development of loan business. Especially in the evaluation and risk management of small and medium-sized enterprises, there is a lack of the most important business behavior and data. [0004] At present, the bank's loan review system cannot obtain the e-commerce applicat...

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Problems solved by technology

[0003] At present, the bank's loan review system is to analyze the financial statements of the company, or to visit and communicate with the company to decide whether to issue a loan to the company. related information, there are great risks, and it is not conducive to large-scale, fast and low-cost loan business

Especially in the evaluation and risk management of small and medium-sized enterprises and small enterprises, there is a lack of the most important business behavior and data

[0004] At present, the bank's loan review system cannot obtain the e-commerce application data of the company, especially the behavior and data on the e-commerce website or various trading platforms. When reviewing the company, there is a lack of content related to the core business status. Not only is it impossible to achieve full online automation, but it is also impossible to conduct a comprehensive analysis and evidence of the enterprise

[0005] In the process of realizing the present invention, the inventor found that the existing technology has at least the following problems: the existing banking systems are not connected to each other, and the detailed transaction data of the enterprise in a certain bank and the operation and operation of the enterprise on the e-commerce platform cannot be obtained. Transaction data; the approval system of the existing bank cannot obtain detailed information such as the enterprise's credit information system and related website data in real time; the loan business of the existing bank is inseparable from the entry of offline data due to information collection, review, and lending or the collection of paper documents, so it cannot be promoted quickly and on a large scale

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