Loan processing method and apparatus, and server

A processing method and user technology, applied in the field of image processing, can solve the problems of high capital risk of Internet financial platforms, inability to accurately reflect the financial status of online borrowers, and inability to repay loans in a timely manner by increasing the number of online borrowers.

Inactive Publication Date: 2018-12-07
TENCENT TECH (SHENZHEN) CO LTD
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AI Technical Summary

Problems solved by technology

However, based on the lending behavior of the online borrower on the Internet financial platform, it cannot accurately reflect the current financial situation of the online borrower, which may cause the Internet financial platform to provide loans to some online borrowers with financial risks, thereby increasing The risk that online borrowers will not be able to repay the loan in time or even fail to repay the loan, resulting in a higher risk of funds on the Internet financial platform

Method used

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  • Loan processing method and apparatus, and server
  • Loan processing method and apparatus, and server
  • Loan processing method and apparatus, and server

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Embodiment Construction

[0038] The lending processing method of this application can be applied to the online financial platform to process the loan application submitted by the user through the terminal, so as to realize more reasonable lending, reduce the situation of borrowing from users with multiple lending behaviors, and improve the balance of funds in the online financial platform. safety.

[0039] Among them, multi-lending refers to the behavior of the same borrower making credit requests to multiple financial institutions at the same time. For example, after a user applies for a loan from the financial lending platform 1, and then submits a loan request to the financial lending platform 2, the user is a user with multiple loans.

[0040] If the user has a long-term loan behavior, it means that the user's funds are seriously insufficient, or the user has the risk of malicious borrowing, etc. In this case, borrowing from the user may lead to the situation that the funds cannot be recovered in ...

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Abstract

The invention discloses a loan processing method and apparatus, and a server. The loan processing method includes the steps: receiving a loan application submitted to a network financial platform by auser; giving a response to the loan application, acquiring access behavior data of the user in the network financial platform; based on preset risk behavior data, and when knowing that the access behavior data represents that the user has a bull loan behavior risk through analysis, acquiring a plurality of user characteristics of a plurality of different attributes of the user; according to the influence degree, on the representation that a bull loan behavior exists, of different user characteristics contained in each attribute in a risk evaluation mode which is obtained through pre-training,and utilizing the risk evaluation model to convert the plurality of user characteristics of the user into a risk score for representing that the user has a bull loan behavior; and according to the risk score, processing the loan application submitted by the user. The loan processing method and apparatus can reduce the situation that loans are supplied to a lender having a fund risk, and can improve the fund safety of the internet financial platform.

Description

technical field [0001] The present application relates to the technical field of image processing, in particular to a loan processing method, device and server. Background technique [0002] Online lending refers to the lending behavior realized on the Internet financial platform. It is a new financial model developed with the development of the Internet and the rise of private lending. [0003] After the online borrower applies for a loan to the Internet financial platform, the Internet financial platform will judge whether to approve the loan application of the online borrower based on whether the online borrower has already borrowed on the Internet financial platform. However, based on the lending behavior of the online borrower on the Internet financial platform, it cannot accurately reflect the current financial situation of the online borrower, which may cause the Internet financial platform to provide loans to some online borrowers with financial risks, thereby increa...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 黄引刚
Owner TENCENT TECH (SHENZHEN) CO LTD
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