E-commerce loan management method and system

A management method and management system technology, applied in the field of e-commerce loan management method and e-commerce loan management system, can solve problems such as financing difficulties for small and medium sellers, achieve the effect of reducing loan risk, increasing loan amount, and providing accuracy

Inactive Publication Date: 2017-10-13
数贸科技(北京)有限公司
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  • Abstract
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Problems solved by technology

[0003] The present invention aims to at least solve the problem of financing difficulties for small and med

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  • E-commerce loan management method and system
  • E-commerce loan management method and system
  • E-commerce loan management method and system

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Embodiment Construction

[0042] In order to understand the above-mentioned purpose, features and advantages of the present invention more clearly, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0043] In the following description, many specific details are set forth in order to fully understand the present invention, but the present invention can also be implemented in other ways different from those described here, therefore, the present invention is not limited to the specific embodiments disclosed below limit.

[0044] figure 1 A schematic flow chart of an e-commerce loan management method according to an embodiment of the present invention is shown.

[0045] Such as figure 1 As shown, the e-commerce loan management method according to the embodiment of the present invention includes: step 102, collecting the user's transaction data, behavior data, social data, and personal information from multiple data so...

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Abstract

The invention provides an e-commerce loan management method and system, and relates to the technical field of e-commerce. The e-commerce loan management method comprises that transaction data, behavior data, social data and personal information of a user are collected from multiple data sources, one or multiple thereof is/are selected as a main reference basis, and big-data analysis is combined with a risk control model to carry out user evaluation; operation data of multiple accounts of the data is obtained, and account association analysis is carried out on the accounts; and a credit score and limit of the user are evaluated according to the user evaluation condition and the account association analysis condition; according to a loan application of the user as well as the credit score and limit, a loan is provided for the user and a repayment plane is generated automatically. Thus, a loan product without mortgage and guarantee and using the credit degree of a borrower as a payment guarantee can be provided for the users, and operation development of merchants can be accelerated.

Description

technical field [0001] The invention relates to the technical field of e-commerce, in particular, to an e-commerce loan management method and an e-commerce loan management system. Background technique [0002] At present, most of the financing of large-scale cross-border e-commerce is equity financing, while financing for small and medium-sized cross-border e-commerce is more difficult. In recent years, Internet finance has developed rapidly, the model has gradually matured, and inventories can also obtain effective financing. However, this method will inevitably lead to high loan costs and small loan amounts for the current situation of scattered and small-scale small and medium-sized e-commerce merchants. However, the transaction flow of these enterprises is real, reliable and relatively stable, and the demand for credit loans based on e-commerce transaction data is more urgent. The cross-border e-commerce merchant loan platform driven by transaction data has won the fav...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 谢志胜周晓升徐红梅苏志卫
Owner 数贸科技(北京)有限公司
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