Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

A collection-based pre-loan risk monitoring method and device

A risk and risk assessment technology, applied in the computer field, can solve problems such as overdue, immature risk control solutions, disrupting the order of the financial market, etc.

Active Publication Date: 2021-03-02
BEIJING MATARNET TECH
View PDF15 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Nowadays, the total number of credit default customers is also increasing day by day. Therefore, various financial institutions still generally have problems such as lagging risk control strategies and immature risk control solutions, resulting in malicious fraud by users, overdue behaviors and other behaviors that disrupt the order of the financial market.

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • A collection-based pre-loan risk monitoring method and device
  • A collection-based pre-loan risk monitoring method and device
  • A collection-based pre-loan risk monitoring method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0019] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. 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.

[0020] figure 1 It is a flowchart of a collection-based pre-loan risk monitoring method described in an embodiment of the present invention, as shown in figure 1 mentioned, including:

[0021] Step 110, obtain collection number database information through collection number identification model;

[0022] In step 120, the risk assessment score i...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The embodiment of the present invention provides a pre-loan risk monitoring method and device based on collection. The method includes: obtaining the collection number database information through the collection number identification model; obtaining the risk assessment score according to the call information of the lender and the collection number database information. Obtain the collection number and collection address through crawler technology, and then match the nearby operator base station information according to the collection address, so as to determine the collection number sample database, and then obtain the collection number identification model through the feature attribute information, so as to obtain the collection number library information The final risk assessment score is obtained according to the collector number information in the call information of the lender. The embodiment of the present invention innovatively monitors the lender's pre-loan risk based on debt collection through the situation that the lender is being collected. Effectively strengthen the pre-loan risk monitoring capability and reduce the bad debt rate.

Description

technical field [0001] The embodiment of the present invention relates to the field of computer technology, in particular to a method and device for monitoring pre-loan risks based on collection. Background technique [0002] In the context of the new era, the credit industry is booming, and financial institutions can provide users with credit services. In other words, financial institutions can provide users with loan needs with a specified amount of loans based on their applications. In order to prevent loan users from using loans maliciously or illegally, financial institutions usually review the loan applications of users. [0003] Nowadays, the total number of credit default customers is also increasing day by day. Therefore, various financial institutions still generally have problems such as lagging risk control strategies and immature risk control solutions, resulting in malicious fraud by users and overdue behaviors that disrupt the order of the financial market. ...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/02
Inventor 沈林江张笑笑
Owner BEIJING MATARNET TECH
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com