Method and system for internet credit

Abstract

The invention discloses a method and a system for internet credit. The method comprises the following steps of receiving a loan request; obtaining corresponding authorizing information; according to the authorizing information, collecting and storing basic data returned from a credit investigation data resource system, pre-processing the basic data, and extracting key data; calculating and analyzing the key data, and generating risk evaluation results; according to the risk evaluation results, generating an evaluation report, and matching with a credit product. The method has the advantage that according to the pre-stored matched credit product information sent by business systems of multiple financing institutions such as banks, the evaluation report and the user loan request, a suitable credit product is intelligently matched from the integrated multiple credit products and is recommended to the user, so that the problem of single credit product is solved, the intelligent matching of the credit products on Internet on line is realized, the loan requirement of the user is well met, and the user experience is improved.

Description

technical field [0001] The invention relates to the field of Internet finance, in particular to an Internet credit method and system. Background technique [0002] With the development of Internet finance, more and more individuals and small and micro enterprises seek financing, lending and other financial services through the Internet. Today's online lending platforms that provide Internet financial services generally provide credit loans to borrowers based on the credit evaluation of borrowers and according to the credit status of users. Therefore, borrowers with good credit are more likely to obtain loans. [0003] For online lending platforms, mastering the credit information of borrowers can provide a more comprehensive understanding of credit recipients and prevent credit risks such as malicious fraud and excessive debt of borrowers. It can be seen that real-time access to personal and corporate credit data is very important for both the borrower itself and the onlin...

AI Technical Summary

Problems solved by technology

[0005] However, for this pre-collection and pre-processing method, there are usually timeliness and accuracy issues, that is, the collected data may be older data, which cannot truly reflect the current credit situation of the user, and the efficiency of generating credit evaluation reports is low. It usually takes more than one day. If credit is granted based on this, the post-loan risk will increase; and the credit business system of traditional online lending platforms such as banks and other financial institution business systems does not integrate the business of multiple financial institutions because it only provides credit services on its own. Systematic credit products, so the credit products provided are often relatively single, and credit products cannot be intelligently matched according to the loan needs of users

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