Bank quick credit granting system and method

A banking and fast technology, applied in instrumentation, finance, data processing applications, etc., can solve problems such as slow approval and complicated process of bank loan credit, and achieve the effect of low-cost loan business, fast micro-loan credit, and risk reduction

Inactive Publication Date: 2013-06-12
长沙钢为网络科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The purpose of the present invention is to provide a fast bank credit granting system and method to solve the technical problems of the traditional bank credit granting method with complicated process and slow approval

Method used

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  • Bank quick credit granting system and method
  • Bank quick credit granting system and method
  • Bank quick credit granting system and method

Examples

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Embodiment Construction

[0043] The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, but the present invention can be implemented in many different ways defined and covered by the claims.

[0044] see figure 1 , the bank fast credit system of the present invention includes a guarantee transaction platform, a bank audit platform and an authentication platform. Among them, the guaranteed transaction platform includes: an information collection module for online collection of lender's information; a data verification module for comparing the lender's information with the business information, credit information and / or tax information in the database of the certification platform Perform comparison and verification; the communication module is used to send the information of the successful lender to the bank verification platform; it is also used to receive the loanable amount information from the bank verification platform. The bank revi...

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Abstract

The invention discloses a bank quick credit granting system and a bank quick credit granting method. The system comprises a secured transaction platform, a bank auditing platform and a certification platform, wherein the secured transaction platform comprises an information acquisition module, a data checking module, a communication module; the information acquisition module is used for acquiring data of a credit side on line; the data checking module is used for comparing and checking the data of the credit side and industrial and commercial information, credit information and/or taxation information in a database of the certification platform; and the communication module is used for transmitting the successfully compared and checked data to the bank auditing platform and receiving loanable limit from the bank auditing platform. The bank auditing platform is used for auditing the data of the credit side, determining the loanable limit of the credit side according to the data after the auditing is passed and transmitting to the communication module. The certification platform comprises the database in which the industrial and commercial information, the credit information and/or the taxation information are stored. According to the system and the method, quick petty loan credit granting can be realized, large-area and low-cost payment service development is facilitated, and the risk can be reduced.

Description

technical field [0001] The invention relates to the field of online trading websites and online financial services, and in particular, to a fast credit granting system and method for banks. 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 payment 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] Moreover, the existing banking syste...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 龚年华
Owner 长沙钢为网络科技有限公司
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