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A real estate borrowing pre-loan remote risk control system and method

A real estate and remote technology, applied in the field of financial credit and financial service risk control, can solve the problems of long process, high cost of risk control, easy to be affected by subjective factors, etc., and achieve the effect of low difficulty and accurate identification

Pending Publication Date: 2019-05-03
友联(嘉兴)互联科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] (1) Risk control is completed by manual on-site investigation, the process is long and the cost of risk control is high;
[0006] (2) The risk control process is relatively difficult, manual judgment requires rich experience, and is easily affected by subjective factors, which may easily cause greater uncertainty in the risk control process

Method used

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  • A real estate borrowing pre-loan remote risk control system and method
  • A real estate borrowing pre-loan remote risk control system and method

Examples

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Embodiment Construction

[0068] The technical solutions of the present invention will be further described in detail below through specific embodiments in conjunction with the drawings.

[0069] Such as figure 1 A remote risk control system before real estate lending is shown, the system includes:

[0070] Risk control initiation and receiving units, including the intelligent investigator and the investigated party;

[0071] The information collection unit, based on remote risk control equipment, is used to verify and re-collect the identity information of the borrower-related parties and real estate information;

[0072] Central processing unit, including preset information storage subunit, collected information storage subunit, risk point and value discovery point screening subunit, risk value and value discovery value evaluation subunit, and risk level evaluation subunit;

[0073] The preset information storage subunit is used to store preset risk level evaluation reference values;

[0074] The collection in...

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PUM

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Abstract

The invention relates to a real estate borrowing and lending remote risk control system, and the system comprises a risk control initiating and receiving unit which comprises an intelligent investigator end and an investigated party end; an information acquisition unit; the central processing unit comprises a preset information storage subunit, an acquisition information storage subunit, a risk point and value discovery point screening subunit, a risk value and value discovery value evaluation subunit and a risk level evaluation subunit; and the communication unit is used for realizing information transmission among the subunits. The invention provides a real estate pre-lending remote risk control system and method, and the system can achieve the low-cost, high-efficiency and objective control of the lending risk. The remote risk control not only solves or replaces manual on-site investigation, but also solves the problems which cannot be solved by manual on-site investigation personnel, and plays a role in internal control and supervision of key risk investigation. For project approvers, more accurate identification, evaluation and response can be made through remote risks.

Description

Technical field [0001] The invention relates to a remote risk control system and method before real estate lending, and belongs to the technical field of financial credit and financial service risk control. Background technique [0002] Real estate lending refers to a borrowing model in which the borrower registers the mortgage of the real estate in the name of the lender, the lender lends funds to the borrower, and the borrower repays the principal and interest to the lender in accordance with the contractual agreement. [0003] With the further deepening of domestic financial reforms, financial market access has been further opened up, and market competition has become increasingly fierce. Whether it is a financial direct credit entity such as banks, small loan companies, pawn shops, guarantee companies, online lending information intermediaries, financial leasing companies, private lending institutions, natural persons, enterprises and other organizations, or intermediaries and ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 徐永清
Owner 友联(嘉兴)互联科技有限公司
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