Data processing method for bank loan application management

A data processing and loan application technology, applied in data processing applications, instruments, finance, etc., can solve problems such as incompleteness and difficulty in loan credit risk evaluation, and achieve the effect of reducing the risk of lending and improving the efficiency of review

Inactive Publication Date: 2012-09-26
HANGZHOUSNGYOU GLOBAL NETWORK INFORMATION TECH
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  • Abstract
  • Description
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Problems solved by technology

[0007] The technical problem to be solved by the present invention is to overcome the difficult and incomplete defect in the evaluation of loan credit risk in the above-mentioned prior art, and provide a loan application management method so as to evaluate bank loan risk objectively, accurately and effectively, and save Manpower and material resources, to establish a reliable credit file and industry standards

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  • Data processing method for bank loan application management
  • Data processing method for bank loan application management
  • Data processing method for bank loan application management

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Embodiment Construction

[0018] In order to make the technical solutions and effects of the present invention clearer, the present invention will be further described in detail below in conjunction with specific embodiments and with reference to the accompanying drawings.

[0019] It should be noted that, in the embodiment of the present invention, the order generation system, review system, order processing system, institution confirmation module, bank confirmation module, information collection platform, review module, first review unit, second review unit, third review unit The unit, the three index information system, the outgoing data module, the institution interface, the bank interface, etc., can all be realized through computer hardware, such as a computer, which is installed with corresponding data processing software for bank loan application management, that is, In order to meet the necessary software for the data processing method of the present invention for bank loan application managemen...

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Abstract

The invention relates to a data processing method for bank loan application management. The data processing method comprises the steps that an order generating system receives loan application data and compares the received loan application data with the products of a loan product memory to generate order information, wherein the order information comprises a client marker and a marker of corresponding loan products; an auditing module inquires non-processed order message in an order data memory and audits the non-processed order message by an auditing system; the auditing system obtains the loan data according to the order information and the corresponding loan product information, audits, then updates the conditions of order information in the order memory and loan data information in the loan memory after finishing auditing, and returns auditing results to client sides. According to the financial auditing method provided by the embodiment of the invention, reasonable management and control of loan application risk can be realized.

Description

technical field [0001] The invention relates to the technical field of asset credit risk management in financial services, in particular to a data processing method for bank loan application management. Background technique [0002] Banks have capital risks in the process of capital operation, where capital risks include credit risk, operational risk and market risk. Among them, credit risk refers to the possibility and severity of loan customers failing to repay their debts on time as stipulated in the contract, and it is also the most important capital risk. Especially in the financial field, the asset business of commercial banks is very large, and the loan business is one of the most basic businesses of banks, so the credit risk of bank loans is the most basic risk faced by banks, and it is also a key factor in determining the capital adequacy ratio of banks. [0003] Accurately revealing and quantifying the credit risk of bank loans is crucial to reducing the loss of b...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 方兴东陈勇江驰
Owner HANGZHOUSNGYOU GLOBAL NETWORK INFORMATION TECH
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