Lending risk management and control method and lending risk management and control equipment

Abstract

The invention is applicable to the technical field of computers, and provides a lending risk management and control method and lending risk management and control equipment, and the lending risk management and control method comprises the steps: obtaining a lending return visit result for each client; when the lending revisit result of any client is lost, obtaining the identity information of thelost client; searching an effective contact way of the lost client based on the identity information; and when it is determined that the valid contact information belongs to the lost client, updatingthe contact information of the lost client based on the valid contact information. According to the scheme, the effective contact way of the lost client is obtained in time, the fund condition or thelife condition of the client is followed through the effective contact way, the credit risk hidden danger of the client can be reduced, the client can be prevented from filling in invalid phone numbers, and then the risk that loans cannot be borrowed by the client is reduced.

Description

technical field [0001] The invention belongs to the technical field of computers, and in particular relates to a lending risk management and control method and lending risk management and control equipment. Background technique [0002] After lending, in order to control the capital risk, it is necessary to return to the borrower on a regular or irregular basis to understand the situation of the borrower and evaluate whether the borrower has the ability to repay the loan. [0003] In routine follow-up visits, "lost contact" customers often appear; among them, "lost contact" customers refer to the situation that the phone number reserved by the borrower is empty, or the phone number reserved cannot be contacted by the borrower himself. [0004] However, for customers whose follow-up visit results are "lost contact", the follow-up risk control performance is relatively high, and the customer cannot be contacted during the collection process, which has a relatively large credit...

AI Technical Summary

Problems solved by technology

[0005] In view of this, the embodiment of the present invention provides a lending risk management and control method and lending risk management and control equipment, in order to solve the customers who are "lost contact" due to return visits in the prior art, have relatively large credit risks and hidden dangers of fraud, Issues that may result in non-collection of loans borrowed by customers

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