A system and a method for one-key rating, value estimation and credit granting before real estate lending

Abstract

The invention relates to a one-key rating evaluation credit granting system before real estate lending, which comprises a rating subsystem comprising a rating data storage module, a rating informationacquisition module and a rating information processing module, comparing and analyzing with credit evaluation information data by using a rating rule engine, and outputting the rating data information of borrowers; the valuation subsystem comprises a valuation data storage module, a valuation information acquisition module and a valuation information processing module, and is used for comparing and analyzing with the real estate information data by using a valuation rule engine and outputting real estate valuation data information of the borrower; the credit extension subsystem is used for storing preset credit extension limit standard data; the communication module is used for transmitting information to the credit granting information processing module; and the credit granting information processing module is used for comparing and analyzing the credit granting rule engine and the credit granting limit standard data and outputting the credit granting limit by one key.

Description

technical field [0001] The invention relates to a credit granting system and method for one-click rating evaluation before real estate lending and lending, and belongs to the technical field of financial credit and financial services. Background technique [0002] Real estate lending refers to a loan model in which the borrower registers real estate mortgages in the lender's name, the lender lends funds to the borrower, and the borrower repays the principal and interest to the lender in the manner agreed in the contract. [0003] With the further deepening of domestic financial reforms and the further opening up of financial market access, market competition has become increasingly fierce. Whether it is a bank, a small loan company, a pawn shop, a guarantee company, an online lending information intermediary agency, a financial leasing company, a private lending institution, a natural person, an enterprise, or other organizations, and other financial direct credit entities, ...

AI Technical Summary

Problems solved by technology

Big data information that is really valuable for evaluating user credit is likely not to appear in the application materials;

[0006] (2) The credit investigation is done manually and the process is long

The method of manually verifying these materials is very time-consuming and laborious. It takes several months, and the efficiency is low, which greatly affects the borrowing efficiency of the borrower.

[0007] (3) The credit granting process is relatively difficult, manual judgment requires rich experience, and is easily affected by subjective factors, which may easily lead to greater uncertainty in the rating credit granting process

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