Business data application evaluation method and device

Abstract

The embodiment of the invention provides a business data application evaluation method and a device, wherein the data comprises the steps: acquiring business data application on line, acquiring and judging if user filtered data or user evaluation data suiting user selection conditions or user evaluation conditions, and passing and processing business data applications which suiting the user evaluation conditions. A series of monitoring and risk controlling processes of transferring guaranty to a third party assets management organization, monitoring varies data of personal / enterprise applicants, and sending warning information and triggering a fund risk compensation mechanism are added. In the above processes, the user evaluation data and the monitoring data are from a third party data system with public trust or a home terminal system, so that objective applicant data can be acquired without list and statement. Otherwise, the risk can be effectively controlled through introducing the third party assets management organization, monitoring of applicant monitoring data and introducing a fund risk compensation mechanism. And whole online operation processes including acceptance, evaluation, processing, monitoring and risk controlling of the business data are realized.

Description

technical field [0001] The present invention relates to the field of electronic technology, in particular to a method and device for evaluating business data applications. Background technique [0002] At present, when a user handles a mortgage loan business at a bank, in addition to providing collateral certificates, he also needs to provide the statement of the user's company, the bank account settlement flow, and the user's personal bank account settlement flow, etc., and then according to the statements of these enterprises and individuals or Flow data, through the review of bank staff and judge whether the user and his company are eligible for borrowing. The problem with the current lending qualification approval method is that manual review and judgment is required based on the flow and reports, which takes a long time, is inefficient, and takes up manpower; in addition, the flow and reports provided by users may be falsified, that is, the application materials Not ob...

AI Technical Summary

Problems solved by technology

The problem with the current lending qualification approval method is that manual review and judgment is required based on the flow and reports, which takes a long time, is inefficient, and takes up manpower; in addition, the flow and reports provided by users may be falsified, that is, the application materials Not objective and credible enough, which may cause greater lending risk

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