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Loan approval method and system

A technology for loans and lenders, which is applied in the fields of instruments, finance, and data processing applications, and can solve problems such as long cycle, low security, and low efficiency

Inactive Publication Date: 2017-04-26
WEBANK (CHINA)
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  • Abstract
  • Description
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Problems solved by technology

[0003] The main purpose of the present invention is to propose a loan approval method and system, aiming to realize the combination of online and offline review of loan requests, so as to solve the problem of offline review, which leads to high labor costs, low efficiency, and cycle time. Long and low security issues

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  • Loan approval method and system
  • Loan approval method and system

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no. 1 example

[0055] Based on the first embodiment of the loan approval method of the present invention, step S300 may include:

[0056] Step S310, the online system is connected to an external system to obtain corresponding credit data according to the basic information of the lender;

[0057] Step S320, the online system conducts a credit investigation review according to the credit investigation data through a preset credit investigation decision rule, and feeds back the review result to the offline system.

[0058] In this embodiment, the online system connects to various external systems according to the basic information of the lender, obtains the credit data of the lender from the connected external systems, such as credit degree, education level, illegal record, etc., and then obtains the loan according to the obtained loan All the credit data of the lender is subject to credit review through the preset credit decision-making rules. Specifically, in this embodiment, all the obtained...

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Abstract

The invention discloses a loan approval method which comprises the following steps: when receiving a loan request triggered by the borrower, an offline system obtains the basic information of a borrower and sends an audit request, generated according to the basic information of the borrower, to an online system; the online system receives the audit request sent by the offline system and extracts the basic information of the borrower from the audit request; the online system communicates with respective external systems according to the basic information of the borrower and feeds back an audit result to the offline system; and the offline system rechecks the result according to the audit result. The invention also discloses a loan approval system. The loan approval method and system can save labor cost, improve audit efficiency, shorten audit period, standardize a process, store data electronically, reduce a operational risk, improve a risk management level and audit quality.

Description

technical field [0001] The invention relates to the field of financial technology, in particular to a loan approval method and system. Background technique [0002] At present, many loan platforms need to manually collect various customer data during loan approval, and then manually interpret, analyze and review processes, and save various paper materials. This offline review method leads to problems such as high labor costs, low efficiency, long cycle and low security. Contents of the invention [0003] The main purpose of the present invention is to propose a loan approval method and system, aiming to realize the review of loan requests in a combination of online and offline methods, so as to solve the problem of offline review, which leads to high labor costs, low efficiency, and cycle time. Long and low security issues. [0004] In order to achieve the above object, the present invention provides a loan approval method, which includes the following steps: [0005] W...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 江旻杨杨范增虎黄博朱逸龙张良
Owner WEBANK (CHINA)
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