Blockchain-based car loan risk information processing method and device
An information processing method and blockchain technology, applied in data processing applications, finance, instruments, etc., can solve the problem of high risk of car loans and achieve the effect of reducing the risk of car loans
Active Publication Date: 2021-09-07
GOLO IOV DATA TECH CO LTD
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Problems solved by technology
[0004] The present invention provides a block chain-based car loan risk information processing method and device, a computer device and a readable storage medium for solving the problem of high car loan risk
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[0064] The embodiment of the present invention provides a blockchain-based car loan risk information processing method and device, a computer device, and a readable storage medium, which are used to evaluate the pre-loan risk and loan risk of a car loan based on the information obtained from the blockchain. After the risk assessment, reduce the lender's car loan risk.
[0065] In order to enable those skilled in the art to better understand the solutions of the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only It is an embodiment of a part of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts shall fall within the protec...
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The embodiment of the invention discloses a block chain-based car loan risk information processing method and device, computer device and readable storage medium, which relate to the field of information processing and are used to solve the problem of high car loan risk. The method in the embodiment of the present invention includes: receiving the loan request from the lender for the target vehicle; obtaining the economic status information of the lender from the block chain; outputting the pre-loan risk evaluation information corresponding to the loan request according to the economic status information of the lender; When the status of the target vehicle is passed, the monitoring information of the target vehicle is obtained from the blockchain, and the monitoring information of the target vehicle is obtained by the vehicle-mounted equipment of the target vehicle and uploaded to the blockchain; the loan request corresponding to the loan request is output according to the status information of the target vehicle. post-risk assessment information.
Description
technical field [0001] The present invention relates to the field of information processing, in particular to a blockchain-based car loan risk information processing method and device, a computer device and a readable storage medium. Background technique [0002] my country's auto finance market has gone through nearly thirteen years. During this period, my country's auto sales increased by nearly 300%, but the penetration rate of auto finance has only doubled, which is far from the 70% to 80% consumption ratio in foreign countries. Furthermore, the credit system in the domestic auto market is not sound enough, which also increases the risk of auto finance. [0003] Traditional auto financing methods include bank auto loans, auto financing companies, credit card car purchase installments, etc. Usually, consumers are required to provide equivalent collateral, good credit records, or fixed workplaces and residences. However, these conditional steps are relatively complicated...
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IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
Inventor 刘均刘新兰飞张乐
Owner GOLO IOV DATA TECH CO LTD