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Multi-loan staging risk control management method and system

A technology of staged risk control and management methods, applied in the field of information

Inactive Publication Date: 2019-04-19
厦门市七星通联科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

However, in some cases, some users may take loans from multiple loan platforms at the same time, and repay and re-loan through the method of breaking the wall to pay for the west.

Method used

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  • Multi-loan staging risk control management method and system
  • Multi-loan staging risk control management method and system
  • Multi-loan staging risk control management method and system

Examples

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Embodiment Construction

[0053] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0054] See figure 1 , the first embodiment of the present invention provides a multi-loan installment risk control management method, which includes:

[0055] S101. Obtain the credit information of the target object when the installment request of the target object is received; wherein, the credit information includes the user's loan records on multiple loan platforms and corresponding repayment records.

[0056] In this embodiment, the operator can first log in t...

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PUM

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Abstract

The invention discloses a multi-loan staging risk control management method and system, and the method comprises the steps: obtaining the credit information of a target object when receiving a stagingrequest of the target object; Wherein the credit information comprises loan records of the user on a plurality of loan platforms and corresponding repayment records; According to a preset multi-loanconfiguration rule and the credit information, obtaining the risk repayment frequency of a target object in a predetermined time period so as to evaluate the repayment capability level of the target object; And determining whether to pass a staging request for the target object according to the repayment capability level of the target object. The credit information of the target object on a plurality of platforms or institutions is acquired through the risk control channel, and the repayment capability level of the user is evaluated based on the preset multi-loan configuration rule, so that the risk control management capability is improved.

Description

technical field [0001] The present invention relates to the field of information technology, in particular to a risk control management method and system for multi-loan installments. Background technique [0002] With the popularization of the mobile Internet, consumer finance breaks through time and geographical constraints, and is constantly bringing value to the vast number of borrowers and investors across the country. At the same time, risk control and credit investigation have become more and more important. [0003] Under normal circumstances, risk control is usually only for users who have defaulted. However, in some cases, some users may take loans from multiple lending platforms at the same time, and repay and re-loan through the method of tearing apart the east to pay for the west. For such users, their ability to resist risks is low, and the risk of default is relatively high, so pre-monitoring is required. Contents of the invention [0004] The embodiment of...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 苏辉东童华赖晓彬
Owner 厦门市七星通联科技有限公司
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