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Method and device for switching lending mode in united loan, medium and equipment

A mode-switching and mode-based technology, applied in the computer field, can solve problems such as customer resource loss and cumbersome lending procedures, and achieve the effects of reducing the rate of customer resource loss, facilitating development, and increasing the probability of approval

Pending Publication Date: 2019-04-05
PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] However, in the joint loan model, if one of the funders, such as a bank, rejects the customer's loan application after reviewing the customer's information, the customer's joint loan application will not be approved, and the customer cannot obtain the loan or needs to reapply to the individual funder. Submitting a loan application results in repeated review work by a single investor. The current joint lending model lends to cumbersome lending procedures, which can easily lead to the loss of customer resources

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  • Method and device for switching lending mode in united loan, medium and equipment
  • Method and device for switching lending mode in united loan, medium and equipment
  • Method and device for switching lending mode in united loan, medium and equipment

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Embodiment Construction

[0046] Embodiments of the present invention are described in detail below, examples of which are shown in the drawings, wherein the same or similar reference numerals designate the same or similar elements or elements having the same or similar functions throughout. The embodiments described below by referring to the figures are exemplary only for explaining the present invention and should not be construed as limiting the present invention.

[0047] Those skilled in the art will understand that unless otherwise stated, the singular forms "a", "an", "said" and "the" used herein may also include plural forms. It should be further understood that the word "comprising" used in the description of the present invention refers to the presence of said features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, Integers, steps, operations, elements, components, and / or groups thereof. The expression "a...

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Abstract

The invention provides a method for switching lending modes in a joint loan. The loan mode switching method in the joint loan comprises the steps of obtaining application data which is uploaded by a user and is associated with a joint loan service; Sending the application data to a united lending party corresponding to the united loan service, so that the united lending party audits the application data; Receiving an audit result of the application data fed back by the united lender; And if the audit result is that the audit fails, switching a loan mode corresponding to the joint loan servicefrom a default joint loan mode to an independent loan mode. According to the method, a user applying for the united loan service can be ensured to check the application data of the user after the application data is approved by an investor; Under the condition that the audit of other investors is not passed, the loan request does not need to be submitted again to obtain loan, the loan requirementof the user is effectively met, the repeated audit workload of the loan platform is reduced, and the customer resource loss rate of the loan platform can be remarkably reduced.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular, the present invention relates to a lending mode switching method, device, computer-readable storage medium and computer equipment in a joint loan. Background technique [0002] In the financial field, in the industry's loan model, initially only small loan companies acted as funders to lend to customers who applied for loans. However, since there is a limit on the amount of loans that microfinance companies can contribute, a joint loan model has been introduced, changing from one investor to two. [0003] However, in the joint loan model, if one of the funders, such as a bank, rejects the customer's loan application after reviewing the customer's information, the customer's joint loan application will not be approved, and the customer cannot obtain the loan or needs to reapply to the individual funder. Submitting a loan application results in repeated review work by a si...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 李芳云
Owner PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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