Personal credit evaluation system of peasant financial mutual cooperation platform

A technology of credit assessment and capital, applied in finance, data processing applications, instruments, etc., can solve the problems of farmers' personal credit assessment, no bank credit record, etc., to break the information island, control business risks, and improve the level of risk control. Effect

Inactive Publication Date: 2016-03-23
YANCHENG INST OF TECH
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AI Technical Summary

Problems solved by technology

However, the vast majority of farmers do not have bank credit records, so it is impossible to conduct personal credit evaluation on farmers

Method used

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  • Personal credit evaluation system of peasant financial mutual cooperation platform
  • Personal credit evaluation system of peasant financial mutual cooperation platform

Examples

Experimental program
Comparison scheme
Effect test

Embodiment

[0040] A personal credit evaluation system for farmers' financial mutual aid platforms, including a data collection module, a data storage module, and a data analysis module connected to the management platform of rural financial mutual aid cooperatives;

[0041] The management platform of rural financial mutual aid cooperatives stores the identity information and economic status of all members of rural financial mutual aid cooperatives within a certain area, including names, ID cards, family information, contact information, economic conditions, deposits, loans, guarantees, etc.;

[0042] The data acquisition module is used to collect all the information of the corresponding customers, summarize their deposits, loans, and guarantees, and at the same time collect relevant information about their spouses and correlate with them; it can directly grab data from the current business platform to ensure real-time data with authenticity.

[0043] The data analysis module maps and cor...

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Abstract

The invention discloses a personal credit evaluation system of a peasant financial mutual cooperation platform. The personal credit evaluation system comprises a rural financial mutual cooperative management platform, a data acquisition module, a data analysis module and a data storage module, wherein the rural financial mutual cooperative management platform stores the identity information and the financial situation of all rural financial mutual cooperative members in a certain area range; the data acquisition module is connected with the rural financial mutual cooperative management platform and is used for acquiring all information of a corresponding client, summarizing the deposit, debit and credit and guarantee situations of the corresponding client, simultaneously collecting the relevant information of the mate of the corresponding user and associating the relevant information with all information of the corresponding client; the data analysis module analyzes the collected data when a member applies loan, collects all relevant data to form a data analysis report, judges whether the member is in a blacklist and the mate owns relevant data or not, calculates and scores according to the calculation weight of each piece of information and carries out personal credit evaluation; and the data storage module is used for storing the collected data and an analysis result. The risk control level of the rural financial mutual cooperative is effectively improved.

Description

technical field [0001] The invention relates to a personal credit evaluation system, in particular to a personal credit evaluation system of a mutual fund mutual aid platform for farmers. Background technique [0002] Credit evaluation--refers to the use of expert judgment or mathematical analysis methods by credit evaluation agencies to comprehensively evaluate the performance of various commitments and credibility of individuals and companies, and express it in simple and clear symbols or words to meet social needs. Market behavior. It includes personal credit rating, corporate credit rating and professional credit evaluation, etc. [0003] The current credit system provided by the society is mainly provided by the banking system, and there is a problem of authority in use, and a certain fee needs to be paid. And customers with bank credit records only account for 25% of the total population. Since bank credit information is the most important variable affecting personal ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 张永平王涛皋军邵星陈伟
Owner YANCHENG INST OF TECH
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