System and method for quantitative assessment and online monitoring of Internet financial lending risk

Abstract

The invention discloses a system for quantitative evaluation and online monitoring of Internet finance lending risk. The system comprises a supply chain data exchange platform, a bank financing platform and at least two business interactive terminals. The invention further discloses a method for quantitative evaluation and online monitoring of the Internet finance lending risk, wherein the method is adopted by the system for quantitative evaluation and online monitoring of the Internet finance lending risk. By the adoption of the system and method for quantitative evaluation and online monitoring of the Internet finance lending risk, supply chain messages in Internet finance can be integrated and are provided for a bank in a safety mode to be used as a network credit financing certificate so that the bank can obtain the lines of credit of users corresponding to the business interactive terminals according to a preset credit line mathematical calculation model, the lines of credit of the users are used for quantitative evaluation of the lending risk, the operation condition of each corresponding user is detected in real time after lending based on all the data, and then the purpose that the lending risk is monitored online in real time is achieved.

Description

technical field [0001] The present invention relates to the field of network credit technology, in particular to a system and method for quantitative assessment and online monitoring of Internet financial lending risks. Background technique [0002] Since 2013, Internet companies represented by Baidu, Alibaba, and Tencent have made great efforts to prepare for the Internet financial business. In the government work report of the "Two Sessions" in 2014, the Prime Minister mentioned "promoting the healthy development of Internet finance and improving the financial supervision and coordination mechanism. Closely monitor cross-border capital flows, and keep the bottom line of avoiding systemic and regional financial risks." Internet finance, with its strong development trend, has prompted traditional banks to also start to test the business. So far, 7 other banks, including CCB, Minsheng, Bank of China, Bank of Communications, Industrial, Shanghai Pudong Development and China Me...

AI Technical Summary

Problems solved by technology

[0006] In the supply chain based on B2B information collaboration, many suppliers are often small and medium-sized enterprises, and there are not many real estates that can be mortgaged. According to the traditional loan policy of the bank, it is difficult to obtain convenient financing assistance.

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