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Credit analysis method, device and equipment and computer readable storage medium

An analysis method and credit technology, applied in computing, instruments, finance, etc., can solve problems such as reduced analysis accuracy, less credit information, and adverse effects of credit analysis by credit institutions, so as to avoid credit bad debts, avoid fraud, and reduce disadvantages effect of influence

Pending Publication Date: 2019-05-07
PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] When current credit agencies conduct credit analysis, they often only introduce the credit information of one credit agency for analysis; in practice, there may be situations where the credit agency collects less credit information about a user , which will have a negative impact on the credit analysis of credit institutions and reduce the accuracy of the analysis

Method used

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  • Credit analysis method, device and equipment and computer readable storage medium
  • Credit analysis method, device and equipment and computer readable storage medium
  • Credit analysis method, device and equipment and computer readable storage medium

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Embodiment Construction

[0042] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0043] The credit analysis method involved in the embodiment of the present invention is mainly applied to a credit analysis device, which may be a personal computer (personal computer, PC), a notebook computer, a server and other devices with data processing functions.

[0044] refer to figure 1 , figure 1 It is a schematic diagram of the hardware structure of the credit analysis device involved in the solution of the embodiment of the present invention. In the embodiment of the present invention, the credit analysis device may include a processor 1001 (such as a Central Processing Unit, CPU), a communication bus 1002 , a user interface 1003 , a network interface 1004 , and a memory 1005 . Wherein, the communication bus 1002 is used to realize the connection and communication between these components; the user inte...

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Abstract

The invention provides a credit analysis method, and the method comprises the steps: obtaining the multi-source credit information of a credit user corresponding to a credit request when the credit request is received; Determining target credit investigation information in the multi-source credit investigation information according to the business type corresponding to the credit request, the information scale quantity of each source credit investigation information in the multi-source credit investigation information and the information acquisition time consumption; And performing credit analysis according to the target credit investigation information, and outputting a corresponding credit decision suggestion according to an analysis result. The invention further provides a credit analysis device and equipment and a computer readable storage medium. According to the invention, when credit analysis needs to be carried out, credit information provided by a plurality of credit organizations is obtained; comprehensive consideration is performed on the multiple pieces of credit investigation information according to the three dimensions of the service recognition degree, the information scale amount and the information obtaining time, multi-source big data are analyzed, the most appropriate target credit investigation information is selected out, the target credit investigation information is analyzed, and related decision suggestions are given.

Description

technical field [0001] The present invention relates to the field of financial credit, in particular to a credit analysis method, device, equipment and computer-readable storage medium. Background technique [0002] Credit investigation is an activity in which a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides external credit information services in accordance with the law. In the field of financial credit, credit institutions often need to obtain credit information of loan applicants from credit agencies, and conduct credit analysis based on these credit information to determine whether to agree to the loan request of the loan applicant. [0003] When current credit agencies conduct credit analysis, they often only introduce the credit information of one credit agency for analysis; in practice, there may be situatio...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
Inventor 万伟
Owner PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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