Risk control system

Abstract

The present invention relates to a risk control system, in particular, a risk control system which can perform multi-level prevention and control on risks. According to the technical schemes of the invention, the risk control system comprises an application information verification module, an anti-fraud detection module, a scorecard determination module and a local information storage module. A risk control check process includes the following steps that: the application information verification module verifies application information; the scorecard determination module derives a base score based on the application information and a predetermined logical rule model; the anti-fraud detection module calls the credit information of a third-party credit reference service provider and performs anti-fraud detection on the credit information; the scorecard determination module obtains an extended score according to the credit data and the predetermined logic rule model; and the scorecard determination module summarizes and processes the basic score and the extended score and feeds back a result. With the risk control system of the invention adopted, multi-level risk prevention and control in a loan borrowing process can be realized, and risks in the borrowing process can be greatly reduced.

Description

technical field [0001] The invention relates to a risk control system in the lending process, in particular to a risk control system for evaluating the borrowing risk of a borrower. Background technique [0002] Loans are mainly divided into loans initiated between citizens, between citizens and legal persons, and between legal persons. As long as the expression of the intentions of both parties is true, it can be deemed valid, and the mortgage generated by the loan is also valid, but the interest rate must not exceed the relevant interest rate stipulated by the People's Bank of China. As a resource-rich and flexible means of financing, borrowing has greatly alleviated the contradiction of insufficient funds and promoted economic development in today's continuous development of the market economy. In the process of lending, risk control is the key factor for the healthy development of lending. [0003] At present, the risk control review for lenders, that is, loan applican...

AI Technical Summary

Problems solved by technology

In the process of risk review, excessive manual participation cannot effectively guarantee the rationality of lending, and there are many hidden dangers, such as negligence of reviewers, corruption of reviewers, etc.

At the same time, due to the wide range of audits in the process of risk control audits, manual and semi-manual audits have a long cycle and slow speed. It often takes 10 days and a half months or even longer to complete a process, resulting in the real need for financial support. of enterprises cannot get loans quickly

In order to increase the review speed, the review unit either reduces the review items, or hastily perfunctory, which in turn leads to a sharp increase in the risk of lending

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