Information processing method and apparatus for implementing loan approval, and computer readable storage medium

An information processing method and loan technology, applied in the computer field, can solve the problem of high loan risk

Pending Publication Date: 2018-12-07
TENCENT TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] In order to solve the technical problem that the implementation of loan approval cannot obtain very high accuracy while improving the processing efficiency and the loan

Method used

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  • Information processing method and apparatus for implementing loan approval, and computer readable storage medium
  • Information processing method and apparatus for implementing loan approval, and computer readable storage medium
  • Information processing method and apparatus for implementing loan approval, and computer readable storage medium

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Experimental program
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Embodiment Construction

[0031] Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the present invention. Rather, they are merely examples of apparatuses and methods consistent with aspects of the invention as recited in the appended claims.

[0032] figure 1 It is a schematic diagram of the implementation environment involved in the present invention according to an exemplary embodiment. In an exemplary embodiment, the implementation environment involved in the present invention, such as figure 1 As shown, two types of front-end clients 110 may be included, and a server 130 coordinating with these two types of front-end clients 110 may...

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Abstract

The invention discloses an information processing method and apparatus for implementing loan approval, and a computer readable storage medium. The information processing method for implementing loan approval includes the steps: obtaining a credit survey result and a credit score, wherein the credit survey result is a credit survey class in credit survey class distribution; locating an interval inwhich the credit score is located to obtain a mapped credit score class, wherein the credit score class distribution matches the credit survey class distribution, and the two have the same loan risk increase and decrease mapping relationship; according to a credit score dependency, fusing the credit score class and the credit survey result to generate a loan processing class; and executing operation actions matching the loan processing class to complete loan approval. The information processing method for implementing loan approval ensures the automation degree of loan approval, can improve the processing efficiency and quickly complete loan approval, and under the cooperation of the credit survey result and implementation of fusion of the credit score class and the credit survey result, compensates inaccuracy of the credit score, because of the lack of samples, thus effectively improving the accuracy of loan approval.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to an information processing method, device and computer-readable storage medium for realizing loan approval. Background technique [0002] For loan approval, with the development of the banking industry and computer technology, there are many loan approval models. The scorecard approval model combined with bank loan status and computer decision-making is widely used in major commercial banks. [0003] The existing scorecard approval model builds a credit risk model based on the bank's loan status, and the bank's daily loan approval uses this credit risk model to obtain the score of whether the loan applicant is approved for the loan. For example, the higher the score, the higher the probability that the loan application user will be approved for the loan, and the loan application user is directly rejected when the score is lower than the threshold. [0004] In theory, the applic...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 李鹏
Owner TENCENT TECH (SHENZHEN) CO LTD
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