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Credit granting method and device, terminal device and storage medium

A credit line and credit technology, applied in the field of credit, can solve the problem that low-income groups cannot obtain credit

Inactive Publication Date: 2019-03-08
SHENZHEN MAIMAITI INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of this, the embodiment of the present application provides a credit granting method, device, terminal equipment, and computer-readable storage medium to solve the problem that low-income groups cannot obtain credit granting in the prior art

Method used

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  • Credit granting method and device, terminal device and storage medium
  • Credit granting method and device, terminal device and storage medium
  • Credit granting method and device, terminal device and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0057] The credit granting method provided in this embodiment can be applied to an e-commerce service platform, and the e-commerce server platform is a platform that adopts a micro-service architecture. The entire application program of the e-commerce service platform will be split into subsystems with independent functions, which will run independently, and the system and the system can communicate through the RPC interface. After the micro-server architecture is adopted, the coupling degree between the subsystems of the e-commerce service platform is greatly reduced, the system will be very easy to expand, and the collaboration efficiency will be greatly improved.

[0058] See figure 1 , a schematic block diagram of a process of a credit granting method provided in the embodiment of the present application, the method may include the following steps:

[0059] Step S101: Obtain application information of users belonging to low-income groups, where low-income groups are groups ...

Embodiment 2

[0075] See figure 2 , another schematic flowchart of a credit granting method provided in the embodiment of the present application, the method may include the following steps:

[0076] Step S201: Obtain application information of users belonging to low-income groups.

[0077] Step S202: Acquire the user's credit information from a third-party credit information platform according to the application information. Among them, the third-party credit reporting platform is, for example, Sesame Credit, Credit Bureau, etc.

[0078] Step S203: Acquire the user's network behavior data through a preset network platform according to the application information.

[0079] It may include but is not limited to user basic attribute information, user behavior information, user online shopping, user APP behavior, social circle information, etc. For example, online payment behavior data, online consumption behavior data, online financial behavior data, social behavior data, etc. These netwo...

Embodiment 3

[0094] See Figure 5 , a schematic block diagram of the structure of a credit device provided in an embodiment of the present application, which is applied to an e-commerce service platform, and the e-commerce server platform is a platform using a micro-service architecture. The credit device includes:

[0095] The first obtaining module 51 is configured to obtain application information of users belonging to low-income groups, where low-income groups are groups whose income is lower than a preset value;

[0096] The second obtaining module 52 is configured to obtain the user's credit information and network behavior data information according to the application information;

[0097] The evaluation module 53 is used to obtain the user's credit risk evaluation result according to the application information, credit information and network behavior data information;

[0098] The credit extension module 54 is used for granting a corresponding credit line to the user according t...

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Abstract

The embodiment of the application is applicable to the credit granting technical field, and discloses a credit granting method and device, a terminal device and a storage medium. The method comprisesthe following steps of obtaining the application information of a user belonging to a low-income group; obtaining credit information and network behavior data information of the user according to theapplication information; obtaining a credit risk assessment result of the user according to the application information, the credit information and the network behavior data information; according tothe credit risk assessment result, granting the corresponding credit line to the user. Embodiments of the present application can achieve credit granting to low-income people.

Description

technical field [0001] The present application belongs to the technical field of credit granting, and in particular, relates to a credit granting method, apparatus, terminal device and computer-readable storage medium. Background technique [0002] Financial inclusion refers to the provision of appropriate and effective financial services at an affordable cost to all social strata and groups in need of financial services. Among them, vulnerable groups such as small and micro enterprises, farmers, and urban low-income groups are the key service targets of inclusive finance. [0003] At present, some large Internet platforms have achieved certain achievements in inclusive finance. However, there are still shortcomings. In particular, some low-income people such as blue-collar workers in factories, farmers, and urban low-income people cannot obtain credit from large Internet financial platforms, and their consumption demand is largely suppressed by cash flow. SUMMARY OF THE ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 蒋传德
Owner SHENZHEN MAIMAITI INFORMATION TECH CO LTD
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