Bank and small loan platform direct loan combined lending method based on open platform

An open platform and platform technology, applied in the field of loans, to achieve the effect of expanding consumer credit business and realizing business expansion and extension

Inactive Publication Date: 2017-09-26
SICHUAN XW BANK CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The purpose of the present invention is: in order to solve the problem that the bank cannot quickly access the third party for joint lending when cooperating with various small loan platforms, the present invention provides a method for joint lending between banks and small loan platforms based on an open platform

Method used

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  • Bank and small loan platform direct loan combined lending method based on open platform
  • Bank and small loan platform direct loan combined lending method based on open platform
  • Bank and small loan platform direct loan combined lending method based on open platform

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Embodiment Construction

[0053] A method for joint lending based on an open platform between a bank and a small loan platform, the application framework of the method includes: an external support layer, a data layer, a service layer, a display layer, and a risk control layer;

[0054] The service layer includes pre-loan management, in-loan management, and post-loan management. Pre-loan management, in-loan management, and post-loan management respectively decouple and split the entire process nodes of the pre-loan process, in-loan process, and post-loan process into Separate process, the split process can be called separately.

[0055] Specifically, the pre-loan process includes:

[0056] Introduction of small loan platforms: The risk control department of the bank conducts due diligence on the small loan platforms that have cooperation intentions to confirm whether they can cooperate; if not approved, it will end; if passed, it will enter the credit granting process of the small loan platform;

[0057...

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Abstract

The invention discloses a bank and small loan platform combined lending method based on an open platform and relates to the technical field of bank loan. The application framework of the method comprises an external support layer, a data layer, a service layer, a presentation layer and a risk control layer, wherein the service layer comprises pre-loan management, in-loan management and post-loan management which decouple and divide the whole process nodes of the pre-loan flow, the in-loan flow and the post-loan flow into independent flows, the divided independent flows can be called independently. The problem that a third party cannot be quickly accessed for combined lending when a bank cooperates with each small loan platform is solved with the method.

Description

technical field [0001] The invention relates to the field of loan technology, in particular to an open platform-based direct loan cooperation method between a bank and a small loan platform. Background technique [0002] When the bank cooperates with the small loan platform as a source of funds, it needs to use the interface of the small loan platform, and then use the relevant SDK nesting in the back end. At present, there are many external small loan companies, and their business processes and technical architectures are different. Banks will face the following problems: if they cooperate with a third party, if they adopt the same general technical process model, they will not be able to adapt to the technical architecture of the other party; If the bank adapts to the other party's technical architecture, it will need to redevelop a complete technical process model every time it connects to a small loan platform, which will cost a lot. Therefore, banks need a method that ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/40
CPCG06Q20/401G06Q20/4016G06Q40/03
Inventor 庞蕾李秀生
Owner SICHUAN XW BANK CO LTD
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