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Bank combined loaning method, device and computer readable storage medium

A storage medium and computer technology, applied in the financial field, can solve the problem that the one-to-one lending model cannot meet the borrowing needs and the repayment risk is high.

Inactive Publication Date: 2018-03-06
PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The main purpose of the present invention is to provide a lending method, device and computer-readable storage medium for joint lending by banks, aiming to solve the problems in the prior art that the one-to-one lending model cannot meet the loan demand and the risk of repayment is high

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  • Bank combined loaning method, device and computer readable storage medium
  • Bank combined loaning method, device and computer readable storage medium
  • Bank combined loaning 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 lending method for joint lending by banks.

[0046] Please refer to figure 1 , figure 1 It is a schematic flowchart of the first embodiment of the lending method of the bank syndicated lending method of the present invention. In this embodiment, the lending method of the bank joint lending includes:

[0047] Step S10, when a loan application is received, it is judged whether the loan application meets the lending requirements of joint lending.

[0048] The bank joint lending in this embodiment is applicable to the situation where the borrower has a large loan amount and needs to cooperate with multiple banks for joint lending. When receiving a loan application from a borrower, it is judged whether the loan application meets the loan requirements for joint lending. Understandably, jo...

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Abstract

The invention discloses a lending method, device and computer-readable storage medium for joint lending by banks. The method includes: when a loan application is received, judging whether the loan application meets the lending requirements for joint lending; When the loan requirements for joint lending are met, the joint bank for joint lending is determined; when the joint bank and the loan application are matched, the matching joint bank is used as the target joint bank for joint lending. In this scheme, when the loan application meets the lending requirements for joint lending, it matches the joint bank determined to be eligible for joint lending with the loan application. When the joint bank and the loan application are successfully matched, the matching joint bank is used as the target joint bank for multi-bank processing. joint lending. Through this bank joint lending method, the borrower can borrow money while reducing the risk of bank lending, realizing risk sharing, preventing customer loss and improving customer experience.

Description

technical field [0001] The present invention mainly relates to the field of financial technology, and in particular, relates to a lending method, device and computer-readable storage medium for joint lending by banks. Background technique [0002] At present, in order to meet the needs of the public, there are endless loan products on the market. Users submit loan applications according to their needs, and financial institutions will issue loans after reviewing the loan applications. Although there are a variety of loan products, the lending model is still one-to-one. A borrower submits a loan application for borrowing, and a bank reviews the loan application for lending. When the borrower's loan amount is large, the bank may not lend to the borrower even if the borrower has a mortgage, taking into account factors such as its own capital reserves and repayment risks, thus failing to meet the borrower's needs , leading to customer loss and poor customer experience. Content...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
Inventor 刘之三
Owner PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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