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Loan request processing method and device, electronic device and storage medium

A technology for loan requests and processing methods, applied in the field of data processing, can solve problems such as high application thresholds, harsh conditions, impacts, etc., and achieve the effect of improving asset utilization and development

Inactive Publication Date: 2018-11-23
BANK OF CHINA
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In addition, the traditional banking industry has been impacted by Internet finance
Due to its fast, convenient and wide audience, Internet finance has attracted the attention and use of more and more fund-seekers, resulting in more and more online investment and online credit. more risk
[0003] Due to various strict review and regulatory policies and other factors, compared with loan services for specific groups of people, the traditional banking industry has limited the more efficient use of funds and related markets for specific groups of people, that is, highly educated talents. The promotion of economic development; and traditional banks’ application threshold for providing loan services is relatively high, harsh conditions and other restrictive factors hinder the current state’s vigorously advocated “mass innovation, mass entrepreneurship” and “inclusive finance” and other related countries policy development

Method used

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  • Loan request processing method and device, electronic device and storage medium
  • Loan request processing method and device, electronic device and storage medium
  • Loan request processing method and device, electronic device and storage medium

Examples

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Embodiment Construction

[0049] The technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings. Referring to the non-limiting exemplary embodiments shown in the accompanying drawings and detailed in the following description, the examples of the present disclosure will be more fully described. Embodiments and their various features and advantageous details. It should be noted that the features shown in the figures are not necessarily drawn to scale. The present disclosure omits descriptions of well-known materials, components, and process techniques so as not to obscure the example embodiments of the present disclosure. The examples given are only intended to facilitate understanding of the implementation of the example embodiments of the present disclosure and to further enable those skilled in the art to practice the example embodiments. Accordingly, these examples should not be construed as limiting ...

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Abstract

Embodiments of the specification disclose a loan request processing method and device, an electronic device and a storage medium. The loan request processing method comprises the following steps: obtaining loan request information; analyzing the loan request information to obtain personal information of a lender; reviewing the personal information of the lender to check authenticity; obtaining face-to-face sign information of a financial institution and the lender and historical behavior information of the lender if the personal information of the lender is true and accords with conditions; generating loan granting information corresponding to the loan request information on the basis of the face-to-face sign information and the historical behavior information of the lender.

Description

technical field [0001] This specification relates to the technical field of data processing, in particular to a loan request processing method, device, electronic equipment and storage medium. Background technique [0002] With the continuous changes in the mass entrepreneurship and investment environment, people's demand for rapid capital flow is increasing. Although the existing loan types and credit card types of traditional banks meet some of the needs of many people, the market demand is gradually increasing. Economic conditions are changing as well. In addition, the traditional banking industry has been impacted by Internet finance. Due to its fast, convenient and wide audience, Internet finance has attracted the attention and use of more and more fund-seekers, resulting in more and more online investment and online credit. more risk. [0003] Due to various strict review and regulatory policies and other factors, compared with loan services for specific groups of p...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 闫佳丽
Owner BANK OF CHINA
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