Credit risk control method and system, and storage medium

A risk control and credit technology, applied in the field of credit risk control, can solve the problems of borrowers’ resentment, obtaining too much personal data of borrowers, and not distinguishing the actual borrowing amount of borrowers, so as to reduce risks, improve borrowing experience, and simplify procedures Effect

Inactive Publication Date: 2018-09-07
SHENZHEN LINGDU INTELLIGENT CONTROL TECH CO LTD
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  • Abstract
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  • Application Information

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Problems solved by technology

[0004] The main purpose of the present invention is to provide a credit risk control method, which aims to solve the problem that information collection does not distinguish the actual borr

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  • Credit risk control method and system, and storage medium
  • Credit risk control method and system, and storage medium
  • Credit risk control method and system, and storage medium

Examples

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[0050] It should be understood that the specific embodiments described herein are only used to explain the present invention, but not to limit the present invention. In the following description, the use of suffixes such as “module”, “part” or “unit” used to indicate elements is only for facilitating the description of the present invention, and has no specific meaning in itself. Therefore, "module", "part" or "unit" can be used in a mixed manner.

[0051] Such as figure 1 As shown, this embodiment provides a credit risk control system 10, and the credit risk control system 10 includes the grade distribution module 101, the data collection module 102, the risk analysis module 103, and the risk control processing module 104;

[0052] The level distribution module 101 is configured to determine the target identity authentication level based on the expected loan amount of the borrower;

[0053] The data collection module 102 is configured to determine the target information requirement...

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Abstract

The present invention discloses a credit risk control method and system, and a storage medium. The method comprises: receiving a loan request sent by a borrower, acquiring an expected loan amount of the borrower according to the loan request, and based on the expected loan amount of the borrower, determining a target identity authentication level; according to the target identity authentication level, determining a target information requirement and a target identity authentication process; based on the target information requirement and the target identity authentication process, collecting target type information and a target identity authentication result of the borrower respectively, and based on the target type information and the target identity authentication result of the borrower,determining the credit limit of the borrower; determining whether the expected loan amount of the borrower is less than the credit limit; and if the expected loan amount of the borrower is less thanthe credit limit, lending money to the borrower. According to the technical scheme of the present invention, the procedures for the borrower to borrow a small loan can be simplified, and borrowing experience of the borrower can be improved in a facilitated manner.

Description

technical field [0001] The invention relates to the technical field of credit risk control, in particular to a credit risk control method, system, and storage medium. Background technique [0002] With the development of Internet credit technology, more and more borrowers conduct remote loans through Internet credit platforms. In order to ensure that the loan can be recovered in the end, pre-loan data collection and identity verification procedures are essential. [0003] The existing credit platform has no specific regulations on the loan amount and the type and level of detail of the collected data. Generally, after receiving the borrower’s loan request, the borrower’s data is collected. If the borrower’s loan amount is not large and the borrower’s data is obtained too much, it may arouse the resentment of the borrower, and then give up the loan, resulting in the loss of the borrower. Contents of the invention [0004] The main purpose of the present invention is to pr...

Claims

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Application Information

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IPC IPC(8): G06Q20/40
CPCG06Q20/403G06Q20/4014G06Q20/40145
Inventor 黄卫民
Owner SHENZHEN LINGDU INTELLIGENT CONTROL TECH CO LTD
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