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System and method for real-time loan approval

A technology for adjusting coefficients and customers, applied in the field of data processing, can solve the problems of low loan approval efficiency and high loan approval risk, and achieve the effect of improving loan approval efficiency and reducing loan approval risk

Inactive Publication Date: 2017-05-10
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of the above-mentioned defects of the prior art, the embodiment of the present invention provides a real-time loan approval system and method, which can effectively solve the current problems of high loan approval risk and low loan approval efficiency

Method used

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  • System and method for real-time loan approval

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0032] The system includes:

[0033] The credit limit pre-granting module 100 is used to perform credit limit pre-granting processing for the customer according to the customer's contribution information after the customer submits the application materials, and obtain the comprehensive credit limit information of the customer; wherein, the credit limit pre-granting module is based on the customer's contribution degree That is, asset information, existing housing loans, agency salary payment and provident fund deposit information provide customers with credit in advance.

[0034] The internal control list checking module 200 is used to check whether the customer is in the internal control list by matching the three-element information of the customer's identity. If it is, then start the monitoring and early warning; Afterwards, customers can apply for a loan amount up to the pre-approved line of credit. After a customer submits a loan application, first check whether the custo...

Embodiment 2

[0042] figure 2 is a structure diagram of a real-time loan approval system according to another embodiment of the present invention; in another embodiment of the present invention, in addition to the above-mentioned processing methods, the credit limit pre-granting module 100 includes :

[0043] The AUM value dimension credit unit 110 is used to obtain the credit limit A according to the AUM value in the contribution information; wherein, the monthly average AUM value of the past N months (N is a positive integer greater than or equal to 1) is the base, Considering the stability and trend changes of the customer's AUM value comprehensively, the customer's AUM value credit line A is given.

[0044] Existing housing loan dimension credit unit 120 is used to obtain the credit limit B according to the value of the collateral of the existing housing loan and the adjustment coefficient; where the value of the collateral of the existing housing loan is taken as the base, and the mo...

Embodiment 3

[0048] In another embodiment of the present invention, in addition to the above-mentioned processing methods, the system further includes:

[0049] The comprehensive credit limit output module is used to calculate the credit limit A, the credit limit B, the credit limit C and the credit limit D, and obtain and output the comprehensive credit limit;

[0050] Wherein, the calculation rule of the credit limit calculation is: comprehensive credit limit=Max(credit limit A, credit limit B, credit limit C, credit limit D)*adjustment coefficient.

[0051] The adjustment coefficient is to increase the amount appropriately when there are multiple indicators. When there are 4 dimensions of credit, the adjustment coefficient is 1.3; if there are 3 dimensions of credit, the adjustment coefficient is 1.2; when there are 2 dimensions of credit, the adjustment coefficient is 1.1; only 1 dimension credit limit, the adjustment factor is 1.0.

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Abstract

The invention discloses a system and a method for real-time loan approval. The system comprises a limit pre-credit module, an internal control list check module, a credit information check module, an approval rule base module and a score card module, wherein the limit pre-credit module is used for carrying out limit pre-credit processing on a customer according to contribution degree information of the customer in order to obtain integrated credit limit information of the customer; the internal control list check module is used for checking whether the customer is in an internal control list through matching information of three elements of identity of the customer; the credit information check module is used for judging whether loan is rejected according to a self-defined loan rejection rule; the approval rule base module is used for obtaining an initial neural network according to rule information in the initial rule base and predefined codes of training data and automatically judging whether the loan is rejected; and the score card module is used for obtaining a customer score and a load approval suggestion result according to customer application data, credit information of the People's Bank of China, a credit card score and a predefined calculation and classification rule. According to the system and the method, the effects of reducing the loan approval risk and improving the loan approval efficiency are realized.

Description

technical field [0001] The invention relates to the field of data processing, and more specifically, to a real-time loan approval system and method. Background technique [0002] With the rapid development of our country's economy, the financial market is becoming more and more perfect and mature, and it is becoming more and more common for individuals to participate in the financial market as financiers. While fully aware of the huge opportunity of developing retail loans, we must also be aware of the profound challenges it brings to financial management. Behind the huge profit potential of the retail loan business, there are also great risks, especially credit risks. From the experience of foreign countries, if the management and control of credit risks can be properly resolved, personal retail loans will be a lucrative business. [0003] Since the retail loan business has the characteristics of a large number of transactions, a small amount in a single transaction, and ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 李鑫伍辉李靓侯晓丽刘哲蔡启泉刘珊娅李博成李凯王晓雅
Owner CHINA CONSTRUCTION BANK
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