Commodity pledge price evaluating method and system based on electronic-commerce network platform

Abstract

The invention belongs to the field of information technology and discloses a commodity pledge price evaluating method and system based on an electronic-commerce network platform. The method comprises the following steps of: through collecting data on a selected electronic-commerce website, reasonably evaluating the value of a pledge, provided by a financing customer, by using a series of algorithms; and finally, figuring out the pledge price of one specific commodity. The pledge price can be used as suggestion and basis for the bank to finally evaluate the loan amount of the pledge. By using the evaluating method based on the electronic-commerce network platform, disclosed by the invention, the standardization and operability of consuming commodity price evaluation are improved and the systematic consuming commodity price evaluation is achieved.

Description

technical field [0001] The invention belongs to the field of information technology, and relates to an application of network and computer technology, in particular to a commodity pledge price evaluation method and system based on an e-commerce network platform. Background technique [0002] At present, the commodity pledge of banks is generally limited to bulk commodities and futures commodities, and cannot enter the consumer field, such as IT, home appliances and digital products. Analysis of the reasons mainly includes two aspects. On the one hand, the bulk commodity and futures commodity market is single, the price is relatively uniform, and the regularity of price changes is strong, so it is easy to evaluate its value. However, because the market of consumer goods goes deep into the retail link, the price differences are large, the price changes are irregular, and the reliability of valuation is low. On the other hand, the evaluation of bulk commodities and futures req...

AI Technical Summary

Problems solved by technology

Consumer goods are determined by their market characteristics, and their evaluation process is relatively complicated. It is difficult to develop a relatively reliable evaluation system for consumer goods.

For example, the bank manually evaluates consumer goods, which requires a huge workload and low operability

Therefore, although banks attach great importance to the prospect of commodity pledge financing in the consumer field, they generally do not accept consumer commodity pledge due to the high cost of manual evaluation and the lack of relevant evaluation systems for them to use.

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