Borrowing and loan matchmaking system and method capable of realizing risk control based on network platform moments credit extension

Abstract

The invention relates to a borrowing and loan matchmaking system and method capable of realizing risk control based on network platform moments credit extension. The borrowing and loan matchmaking system capable of realizing risk control based on network platform moments credit extension comprises a user registration module, a user audit risk control module, a borrowing issuance module, a borrowing and loan matchmaking module and a dynamic credit extension module. The beneficial effects are as follows: before loaning, the matchmaking system can fast, reliably and economically assess risks by means of multiple dimensions of the moments as friends are generally regarded as a group knowing the individual credit situations of a borrowing user best; once breach of contract, the moments maintained by the network platform can put social pressure on the borrowing user to push the user to complete repayment based on the information of network-associated users and a guarantor, so as to reduce the loss of the investors and the recovery cost; the credit grade of the borrowing user is dynamically and accurately monitored in real time based on the credit line change of the moments credit extension; and the dynamic credit big data (dynamic credit information system) is finally formed.

Description

technical field [0001] The present invention relates to the field of lending, in particular to a loan matching system and method for risk control based on network platform Moments of Friends, which can solve the problem of loan companies' bad debt ratios. Background technique [0002] As we all know, there are capital risks in the process of capital lending, and the capital risks here include credit risk, operational risk and market risk. Among them, credit risk refers to the possibility and severity of loan customers failing to repay their debts on time according to the contract, and it is also the most important capital risk. Accurately revealing and quantifying the credit risk of loans is crucial to reducing the loss of funds and improving the operating performance of lending enterprises, and quantitative control of credit risk of lending enterprises is the pursuit goal of lending enterprises. [0003] It is difficult to apply for traditional loans. Borrowers need to sub...

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Problems solved by technology

[0004] To sum up, in today's mainstream financial system, financial institutions ignore the financial needs of small and medium-sized enterprises and small loan groups in terms of market positioning. When borrowing from acquaintances, in addition to face problems, acquaintances may not have matching funds, and there are certain risks; from another perspective, many people have idle funds and no investment channels, and they also urgently need means to preserve and increase value

[0005] With the change of people's consumption concept, the demand for loan business is also increasing. However, the traditional unsecured loan business has the following disadvantages: 1. The review materials for traditional loans are to look at financial reports or audit reports, statements, and directors Or the financial situation of the legal person, the tax situation and other documents, manual review, but manual review cannot achieve real-time monitoring, there is a time lag, the review information is static, the review cost is high, and the accuracy is poor; 2. Lenders and borrowers Not familiar with each other, the borrower has no way to know the real credit situation of the borrower. If the borrower has credit problems, it is easy to cause bad debts and dead debts of the loan; 3. When the borrower defaults on time, it is difficult to recover

[0006] At present, many lending institutions use the traditional risk control model to conduct research. According to incomplete statistics, the bad debt rate of small loan companies in Singapore can reach 5%-7%. The high bad debt rate is due to the lack of understanding of the credit of borrowers. and insufficient understanding

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