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Loan qualification determination method, device and equipment and computer readable storage medium

A technology for determining methods and qualifications, applied in the information field, which can solve the problems of inaccurate loan qualifications and low efficiency of loan qualification determination.

Pending Publication Date: 2019-04-23
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
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  • Claims
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AI Technical Summary

Problems solved by technology

[0003] The main purpose of the present invention is to provide a loan qualification determination method, device, equipment and computer-readable storage medium, aiming to solve the problem of using the same review process for all users in the prior art to review loan information and determine the loan qualification of each user. Loan qualifications, resulting in low efficiency in determining loan qualifications and inaccurate loan qualifications

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  • Loan qualification determination method, device and equipment and computer readable storage medium
  • Loan qualification determination method, device and equipment and computer readable storage medium
  • Loan qualification determination method, device and equipment and computer readable storage medium

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Embodiment Construction

[0050] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0051] The invention provides a method for determining loan qualification.

[0052] Please refer to figure 1 , figure 1 It is a schematic flowchart of the first embodiment of the loan qualification determination method of the present invention. In this embodiment, the method for determining loan qualification includes:

[0053] Step S10, read the preset channel table, and divide the loan channels into channel grades according to the channel information of each loan channel in the preset channel table;

[0054] The loan qualification determination method of the present invention is applied to a server of a financial institution, and is suitable for determining the loan qualification of a loan user connected to a financial institution through a cooperative institution through the server, wherein the cooperative insti...

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Abstract

The invention discloses a loan qualification determination method, device and equipment and a computer readable storage medium, and the method comprises the steps of reading a preset channel table, and carrying out the channel level division of each loan channel according to the channel information of each loan channel in the preset channel table; determining a loan rule corresponding to each channel level according to a corresponding relation table of preset level rules, and establishing a mapping relation between the loan channels and the loan rules based on the channel levels; and reading the user loan information of each loan channel, and calling each loan rule having a mapping relationship with each loan channel to match each user loan information so as to determine the loan qualification of the loan user corresponding to each user loan information. According to the scheme, the information of the loan users in each loan channel is audited through different loan rules, the loan qualification of each loan user is determined, the pertinence is high, and the loan qualification determination efficiency and the accuracy are improved.

Description

technical field [0001] The present invention mainly relates to the field of information technology, and specifically relates to a loan qualification determination method, device, equipment and computer-readable storage medium. Background technique [0002] Financial institutions usually cooperate with a number of cooperative institutions to provide external loan business. The cooperative institution provides user channels, while the financial institution provides loan products; the financial institution reviews the loan information of the users accessed by the cooperative institution to determine the loan qualification disbursement later. At present, the user groups of the user channels of different cooperative institutions are usually different. For example, the user group of the user channel of cooperative institution A is company executives, while the user group of the user channel of cooperative institution B is college students. There is a large difference in loan capa...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 乔能丹单筝
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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