Methods used for preventing and controlling credit risk

Abstract

The invention relates to methods used for preventing and controlling credit risk, wherein one method includes a step (a) that a risk controlling side requests a risk receiving side to provide at least one telephone number (N), and the other method includes a step (b 1) after the step (a) that the risk controlling side can change an original voice prompt or / and an original ring-back tone of the telephone number (N) provided by the risk receiving side into a new voice prompt when the risk receiving side breaks a contract, and report announce information about the defaulting conditions of the risk receiving side to any third side dialing the telephone number (N) through the new voice prompt. The methods used for preventing and controlling the credit risk can be applied in a plurality of trading activities relating to credit, and used for strengthening the ability of preventing and controlling the credit risk of the risk controlling side so as to provide any important determining and reference information for carrying out credit business between any third side and the risk receiving side, and to make up the lack of credit system in the aspect of credit risk prevention and control.

Description

technical field [0001] The present invention relates to a method for preventing and controlling credit risk, more specifically, a method for preventing and controlling credit risk based on a telephone number. technical background [0002] Credit is a special form of value movement conditioned on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. The essence of credit is a creditor-debt relationship, that is, the creditor (creditor) believes that the trustee (debtor) has the ability to repay, and agrees to the promise made by the trustee to repay in the future. [0003] Credit risk, also known as default risk, refers to the possibility and severity of economic losses caused by the failure of the counterparty to perform the obligations in the contract. Extensive collection of personal and corporate credit information to establish a credit investigation system is an existing technical method to prevent and control credi...

AI Technical Summary

Problems solved by technology

[0008] 1. At present, the information sources of the basic database of enterprise and personal credit information are mainly commercial banks and other financial institutions. In order to ensure the authenticity and accuracy of the information, not any natural person or any enterprise unit can upload and credit information to the credit information system. For transaction-related information, the shortcomings here are: a large number of risk control parties without upload authority cannot upload default information related to the risk control party to the credit investigation system, even if the risk control party defaults, it will not be uploaded by other Any third party who inquires about the credit information system will know that the credit risk may continue to spread to any third party, and the credit risk caused by the subjective and intentional default of the risk-controlled party cannot be effectively prevented and controlled

[0009] 2. Personal credit reports and corporate credit reports contain a large amount of private information. Based on the needs of information security, the use of personal credit reports and corporate credit reports is currently limited to commercial banks and financial institutions that handle credit according to law (mainly housing provident fund management centers, Finance companies, auto finance companies, microfinance companies, etc.) and the People's Bank of China, many other risk control parties do not have the inquiry authority, so they cannot obtain the default information of the risk controlled party through the credit investigation system to prevent and control credit risk

Even if the risk controlled party defaults, the default information recorded by the credit investigation system has a relatively limited impact on the reputation of the risk controlled party, thus weakening the ability of the credit investigation system to prevent and suppress the subjective intentional default of the risk controlled party, and weakening the credit investigation system. Ability to control spread of credit risk of the controlled party

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