Consumer credit application evaluation system and realizing method thereof

An evaluation system and implementation method technology, applied in data processing applications, instruments, finance, etc., can solve the problems of deviating from the development purpose of personal credit business and restricting the development of personal credit business, so as to improve the efficiency of credit approval, achieve good results, and overcome the standard inconsistent effect

Inactive Publication Date: 2016-02-03
BANK OF BEIJING CONSUMER FINANCE CO
View PDF0 Cites 13 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This situation not only deviates from the development purpose of personal credit business to a certain extent, but also restricts the further development of personal credit business

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Consumer credit application evaluation system and realizing method thereof
  • Consumer credit application evaluation system and realizing method thereof
  • Consumer credit application evaluation system and realizing method thereof

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0039] The specific implementation manners of the present invention will be further described in detail below in conjunction with the accompanying drawings and examples. Set the specific score of each information item for each consumer credit loan application information as follows:

[0040]

[0041]

[0042] Set the reject threshold N to 484, and set the pass threshold M to 518.

[0043] Enter consumer credit loan information 1 as follows:

[0044] name

value

Score

phone number

13811273633

education level

40 (high school and below)

62

gender

1(male)

57

ID card area

Jilin

57

marital status

10 (unmarried)

57

Enterprise size

0 (less than 20 people)

57

Number of credit card approval inquiries in the past 6 months

Missing query (no credit record)

50

The ratio of all accounts that have never expired to the total number of accounts

No cre...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention discloses a consumer credit application evaluation system and a realizing method thereof. The customer credit application evaluation system and the realizing method belong to the computer field and particularly relate to the field of financial information processing. The realizing method mainly comprises a consumer credit score setting method and a consumer credit evaluation rule setting method. Firstly, consumer credit application information is input. The score of each piece of credit application information is calculated according to the consumer credit score setting method, and then a total score is calculated. The result of the consumer credit application is calculated according to the total score and the consumer credit evaluation rule setting method. The result can be application refusal, transferring the application to artificial evaluation, or application passing in which the application information is stored. Automatic approval is realized through the consumer credit application evaluation system. A purpose of flexibly controlling an approval risk can be realized through flexibly setting an output role for the total score. The realizing method according to the invention has advantages of effectively reducing the approval cost of a financial institution, improving credit granting efficiency and accuracy, and effectively reducing credit risk of the financial institution.

Description

technical field [0001] The invention relates to a consumer credit loan application evaluation system and a realization method thereof, belonging to the field of computers, and in particular to the field of financial information data processing. Background technique [0002] In recent years, with the rapid development of my country's economy, my country's consumer finance credit industry and the personal credit score assessment services of credit institutions have developed rapidly. The personal credit industry and personal credit risk assessment service industry have huge market potential and high expectations. Earnings have become the focus of competition in the financial market. All financial institutions regard the development of consumer loans as an important part of their development strategies, and the main risk faced by banks in the course of operation is credit risk. When my country's financial institutions carry out consumer credit business, most of the process is to...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 宋文昌顾弢苏建华靳立新王斯迪柳明刘艳星乔峰李建茹赵连居李梅申祥升张莹
Owner BANK OF BEIJING CONSUMER FINANCE CO
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap