Internal-data-mining-based method and system for loan client obtaining, loan origination and management for commercial banks

Abstract

The invention relates to the field of commercial bank loan transaction, particularly to an internal-data-mining-based method and system for loan client obtaining, loan implementation and after-loaningmanagement for commercial banks, wherein the method and system are especially suitable for loans of middle and small-sized enterprises. Therefore, problems of difficult financing of middle and small-sized enterprises, difficult loan client obtaining and after-loaning risk control of the developed tax and loan transaction, limited tax data, dimension, and cycle, and limited loan objects can be solved. The invention designs a loan management method and system. Before loan transaction, classification, collection, and statistics of tax payment information of taxpayers are carried out based on internal data of commercial banks and loan limits are evaluated; during loan transaction, docking of effective clients is carried out actively, the loan limit is determined and loans are issued through channels like an online one based on other information query under authorization of tax payers; and after loan transaction, dynamic post-loan risk monitoring is carried out by means of tax-based loan control. Therefore, the development of small and medium-sized enterprises is promoted and the national financial revenue is increased.

Description

technical field [0001] The present invention relates to the loan business field of commercial banks (including credit unions, the same below), and is a method and system for commercial banks to obtain loans, implement loans and post-loan management based on their internal data mining, and is especially applicable to commercial banks for small and medium-sized business loans. Background technique [0002] Financing for SMEs is difficult. Small and medium-sized enterprises occupy an important position in my country's economic and social development. The value of final products and services created by small and medium-sized enterprises is equivalent to about 60% of the GDP, and the tax payment is about 50% of the total national tax revenue, providing nearly 80% of urban jobs. However, for a long time, the problem of financing difficulties for SMEs has been prominent. The main reason is that SMEs lack collateral and the financial system is not standardized. The pre-loan investi...

AI Technical Summary

Problems solved by technology

The shortcomings of the tax loan business are as follows: First, the tax loan business is based on the premise that the taxpayer "actively" initiates the application for the tax loan business and authorizes the commercial bank to query the tax information of the taxpayer through the tax department

Second, in the tax loan business, the data dimension provided by the tax department to commercial banks is limited, which affects the accuracy of commercial bank loan assessment

Fourth, in the tax loan business, the tax department only provides the tax credit evaluation results to the bank at the point in time when the enterprise applies for the tax loan business, and does not continue to provide the tax credit evaluation results during the loan duration, and does not form a credit loan business based on taxpayer tax data. The logical closed loop of pre-loan and post-loan management is not conducive to the continuous and dynamic monitoring and management of commercial banks' post-loan risks

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