Unlock instant, AI-driven research and patent intelligence for your innovation.

Credit line processing method and device

A technology of credit line and processing method, applied in the field of credit line processing method and device, capable of solving the problems of low accuracy and low efficiency of credit line

Inactive Publication Date: 2016-07-20
AGRICULTURAL BANK OF CHINA
View PDF0 Cites 9 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The traditional calculation of credit line often adopts the method of manual review, using financial statements, enterprise information, etc., to calculate the enterprise credit level and credit line through formula calculation. Although the manual review method does not require high computing power, it is inefficient and Due to unavoidable manual calculation errors, the accuracy of the credit line is low

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
  • Credit line processing method and device
  • Credit line processing method and device
  • Credit line processing method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0067] See figure 1 , which shows a flow chart of the credit line processing method provided by the present application, which may include the following steps:

[0068] Step S11: Obtain the transaction data of the user to be loaned.

[0069] In this embodiment, the transaction data of the user to be loaned specifically includes: salary payment amount and frequency; loan, repayment time and amount; financial account changes; transfer amount and frequency; merchant POS machine card swiping amount and frequency.

[0070] In this embodiment, the transaction data of the user to be loaned can be obtained through multiple channels, so that the data scale is large and comprehensive, so that the calculated credit line is more accurate.

[0071] Step S12: Using a belief propagation algorithm and the transaction data of the loan-to-be user to calculate the confidence of the loan-to-be user.

[0072] Step S13: According to the preset credit line correspondence table, determine the compr...

Embodiment 2

[0091] exist figure 1 On the basis of the shown credit line processing method, another credit line processing method is extended, please refer to Figure 5 , can include the following steps:

[0092] Step S51: Obtain the transaction data of the user to be loaned.

[0093] Step S52: Using the belief propagation algorithm and the transaction data of the loan-to-be user to calculate the confidence of the loan-to-be user.

[0094]Step S53: According to the preset credit line correspondence table, determine the comprehensive credit line corresponding to the confidence level of the user to be loaned.

[0095] The preset credit line correspondence table includes a plurality of different credit line correspondences, and the credit line correspondence is the correspondence between the user's confidence level and the comprehensive credit line.

[0096] Step S51 to step S53 and figure 1 The illustrated steps S11 to S13 are the same and will not be repeated here.

[0097] Step S54: O...

Embodiment 3

[0123] Corresponding to the above method embodiments, this embodiment provides a credit limit processing device, please refer to Figure 6 , the credit limit processing device includes: a first obtaining unit 61 , a first calculating unit 62 and a first determining unit 63 .

[0124] The first acquiring unit 61 is configured to acquire the transaction data of the user to be loaned.

[0125] The first computing unit 62 is configured to use a belief propagation algorithm and the transaction data of the loan-to-be user to calculate the confidence of the loan-to-be user.

[0126] The first determining unit 63 is configured to determine the comprehensive credit line corresponding to the confidence level of the user to be loaned according to the preset credit line correspondence table, the preset credit line correspondence table including a plurality of different credit line correspondences , the corresponding relationship between the credit line is the corresponding relationship b...

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 provides a credit line processing method and device. The credit line processing method comprises the following steps: acquiring transaction data of a user who needs to have a loan; calculating the confidence degree of the user who needs to have a loan by utilizing a confidence propagation algorithm and the transaction data of the user who needs to have a loan; and according to a pre-set credit line corresponding relation table, determining a comprehensive credit line corresponding to the confidence degree of the user who needs to have a loan. According to the credit line processing method and device, the calculation efficiency of the credit line is improved through the manner above, and the accuracy of calculating the credit line is improved.

Description

technical field [0001] The present application relates to the financial field, and in particular to a credit line processing method and device. Background technique [0002] As the main source of income of financial institutions, corporate loans are the core business of financial institutions. Finding high-quality customers and providing customers with satisfactory services are important business objectives of financial institutions. Among them, before the financial institution handles the loan for the enterprise, it needs to determine the credit line of the enterprise (that is, the maximum loan principal limit approved by the financial institution that can be borrowed from the customer or has already been lent), and use the credit line as a reference to lend to the enterprise. [0003] The traditional calculation of credit line often adopts the method of manual review, using financial statements, enterprise information, etc., to calculate the enterprise credit level and cre...

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
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 徐安滢曹震钟新斌
Owner AGRICULTURAL BANK OF CHINA