Loan operation method and device

Abstract

The invention discloses a loan operation method comprising the steps of receiving a loan request sent by a first terminal based on a loan entrance provided by a second terminal, wherein the loan request comprises account opening information of the first terminal; examining and approving the first terminal on line according to the account opening information, and after the first terminal passes the examination and approval, executing an account opening operation on the first terminal; after the first terminal opens an account, receiving a confirmation message sent by the second terminal based on the loan request of the first terminal; and sending a target loan amount into a specified account according to the loan request. The invention also discloses a loan operation device. According to the loan operation method and device provided by the invention, loan efficiency is improved, and resources consumed by the loan operation are saved.

Description

technical field [0001] The invention relates to the technical field of loan services, in particular to a loan operation method and device. Background technique [0002] Existing common implementation models of vertical sector loans rely to a large extent on offline manual processes. For example, consumer loans such as car purchases, renovations, and large home appliances, the loan steps are roughly as follows: [0003] (1) The customer confirms the consumption intention to the merchant; (2) The customer service of the merchant is responsible for collecting customer information and signing a loan intention agreement with him; (3) The bank’s full-time loan personnel review the customer information brought by the merchant, and at the same time obtain the customer’s information through other channels Background information, such as credit records, etc.; (4) After the bank loan background records the loan agreement information and approves it, the loan principal is remitted to th...

AI Technical Summary

Problems solved by technology

[0005] 1) Relying on offline manual processes for operations, the overall process takes a long time and often takes several days or weeks to complete the final transaction, which directly affects the enthusiasm of customers for consumption

[0006] 2) Because customers can only obtain transaction and loan information through the customer service of the merchant, the customer service personnel of the merchant are required to have sufficient financial knowledge to answer customers' questions, and the wrong explanations provided by unprofessional customer service personnel often increase the default Rate

[0007] 3) Before the entire loan process is completed, merchants need to invest a lot of manpower, and when the loan may not be completed and the transaction is terminated in the end, resources are seriously wasted

[0008] For loans in different fields, banks need to have corresponding agents to connect with merchants, and the operating costs are high. For some emerging or small-scale fields, banks are not motivated to participate and it is difficult to carry out commercial cooperation

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