Intelligent financial service platform and method

Abstract

The invention discloses an intelligent financial service platform and method, and the platform comprises a business approval management platform used for standardizing a business process, guaranteeingthe smoothness of any link from the rear part to the end part of the business, and enabling a responsible person to be clear; a risk decision management platform for assessing the risk of the borrowers and providing online and offline omnibearing monitoring; a big data analysis management platform for carrying out risk control on the borrowers in all directions based on the big data technology onthe basis of auditing of traditional risk control personnel; a post-loan monitoring management platform used for automatically checking the fund condition, transaction, disposal and flow direction ofeach business, and timely avoiding the risk prediction bad operation; and a channel operation platform which enriches the data of the database of the platform and an external third-party database through daily maintenance and operation, and continuously increases the risk control capability of the platform. The invention has the advantages of high efficiency, low cost, accurate target and low risk level.

Description

technical field [0001] The invention relates to the field of intelligent finance, in particular to an intelligent financial service platform and method. Background technique [0002] Transaction risk is the main risk faced by traditional financial institutions. Commercial banks need to conduct risk assessments on customers’ repayment performance capabilities, and provide appropriate credit lines on the basis of assessing the possibility of customer default. In traditional risk assessments, customers’ work, income Background risks such as background risk, marital status, and property are important decision-making factors. At the same time, a certain amount of collateral is required, and the threshold for comprehensive credit is high. The resulting financial exclusion and financial inefficiency are often criticized by people. [0003] The mortgage quick loan business is proposed for individuals or enterprises that need to use funds urgently. They need to provide collateral to ...

AI Technical Summary

Problems solved by technology

[0002] Transaction risk is the main risk faced by traditional financial institutions. Commercial banks need to conduct risk assessments on customers’ repayment performance capabilities, and provide appropriate credit lines on the basis of assessing the possibility of customer default. In traditional risk assessments, customers’ work, income , marital status, property and other background risks are important decision-making factors. At the same time, a certain amount of collateral is required, and the threshold for comprehensive credit is high. The resulting financial exclusion and financial inefficiency are often criticized by people.

[0003] The mortgage quick loan business is proposed for individuals or enterprises that need to use funds urgently. They need to provide collateral to obtain capital loans. In the traditional business, both the borrower and the financial institution have certain risks. The borrower cannot get timely Acceptance, review time is long, and procedures are complicated, resulting in failure to obtain loans in time. Facing the loan demand of financial institutions, risk control, verification and other procedures are difficult to protect the risks of borrowers, resulting in unrecoverable losses of funds

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