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Loan qualification screening method, device and computer readable storage medium

A screening method and qualification technology, applied in the loan field, can solve problems such as low conversion rate, repayment risk, and repeated loan qualification screening

Inactive Publication Date: 2018-02-23
PING AN TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0003] The main purpose of the present invention is to provide a loan qualification screening method, device and computer-readable storage medium, aiming to solve the problems of repeated loan qualification screening, low conversion rate and repayment risk in the prior art

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  • Loan qualification screening method, device and computer readable storage medium
  • Loan qualification screening method, device and computer readable storage medium
  • Loan qualification screening method, device and computer readable storage medium

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Embodiment Construction

[0044] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0045] The invention provides a loan qualification screening method.

[0046] Please refer to figure 1 , figure 1 It is a schematic flowchart of the first embodiment of the loan qualification screening method of the present invention. In this embodiment, the loan qualification screening method includes:

[0047] Step S10, obtaining the basic information of the loan applicant client, and using the basic information as loan review information.

[0048] At present, in order to meet the needs of the public, there are endless loan products on the market, such as Ping An Pratt & Whitney’s Yizaidai, car owner’s loan, preferential housing loan, house e-loan, etc. Different loan products are suitable for different customer needs, such as for a specific Loans in certain regions, or loans for a certain age group. Therefore,...

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Abstract

The invention discloses a loan qualification screening method, a device and a computer readable storage medium. The method comprises the following steps of acquiring the basic information of a customer at a loan application terminal and adopting the basic information as the loan checking information; comparing the loan checking information with the preset screening information, and judging whetherthe loan checking information and the preset screening information are matched or not; if the loan checking information and the preset screening information are matched, judging the loan qualification of the customer corresponding to the loan checking information is qualified. According to the technical scheme of the invention, the screening information of each loan product is preset. When the comparison result of the loan checking information of the customer and the preset screening information are consistent, the loan qualification of the customer is judged to be qualified. That means, thecustomer has the qualification of applying the loan product. The screening and the checking of multiple loan qualifications are avoided, and both the time cost and the labor cost are saved. The information of the customer is matched with the loan product, so that the pertinence is high. The service efficiency and the loan conversion rate can be improved, and the repayment risk is reduced.

Description

technical field [0001] The present invention mainly relates to the technical field of loans, in particular to a loan qualification screening method, device and computer-readable storage medium. Background technique [0002] At present, there are many types of loans on the market, such as car loans, housing loans, etc. Although various loans are aimed at different types of customers, the preliminary screening content for customer loan qualifications is basically the same, such as name, ID card, mobile phone number, loan city, etc. . Loan qualification screening by customer personnel for different loan types leads to duplication of the screening process, increases labor costs, and delays the subsequent loan process. In addition, after obtaining the customer list, the salesperson does not know the customer information, and blindly calls the customer for sales. However, many customers in the dialed customer call do not meet the loan conditions due to reasons such as age, region...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 夏杰
Owner PING AN TECH (SHENZHEN) CO LTD
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