Loan risk fusion assessment method and system

A risk and loan technology, applied in computer systems and its application fields, can solve problems such as lagging risk control strategies, overdue, disrupting the order of the financial market, etc., and achieve the effect of reducing capital losses and reducing risks

Inactive Publication Date: 2017-11-24
小视科技(江苏)股份有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] According to public information, the bad debt rate of Internet consumer finance companies has reached more than 10%. Emerging mutua

Method used

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  • Loan risk fusion assessment method and system
  • Loan risk fusion assessment method and system
  • Loan risk fusion assessment method and system

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Embodiment Construction

[0040] In order to better understand the technical content of the present invention, specific embodiments are given together with the attached drawings for description as follows.

[0041] Aspects of the invention are described in this disclosure with reference to the accompanying drawings, which show a number of illustrated embodiments. Embodiments of the present disclosure are not necessarily intended to include all aspects of the invention. It should be appreciated that the various concepts and embodiments described above, as well as those described in more detail below, can be implemented in any of numerous ways, since the concepts and embodiments disclosed herein are not limited to any implementation. In addition, some aspects of the present disclosure may be used alone or in any suitable combination with other aspects of the present disclosure.

[0042] combine figure 1 , figure 2 As shown, according to the disclosure of the present invention, a loan risk fusion ass...

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Abstract

The present invention provides a loan risk fusion assessment method and system. The method includes the steps of: living body verification; device fingerprint, device information, personal basic information and environmental information acquisition; and policy-based fusion judgment. With the loan risk fusion assessment method and system adopted, the examination and approval flow of the pre-loan risk of a loan application is realized; on the basis of the comprehensive judgment of device information, personal basic information and environmental information, the pre-loan risk can be identified and analyzed according to risk policies and levels of specific different cooperative enterprises; and an expected risk control effect can be realized.

Description

technical field [0001] The invention relates to the technical field of computer systems and their applications, in particular to a loan risk fusion assessment method and system. Background technique [0002] Internet consumer finance refers to online business processes such as review, lending, consumption, and repayment through the Internet. Compared with the user groups of traditional financial institutions, users in the long-tail market bring greater challenges in risk control and risk pricing to Internet consumer finance. [0003] According to public information, the bad debt rate of Internet consumer finance companies has reached more than 10%. Emerging mutual financial companies generally have problems such as lagging risk control strategies and immature risk control solutions. the behavior of. Contents of the invention [0004] The object of the present invention is to propose a kind of loan risk fusion assessment method, comprises the following steps: [0005] St...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 杨帆段伟芝韩学标
Owner 小视科技(江苏)股份有限公司
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