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Credit financing big data risk control management method based on network

A management method and big data technology, applied in the field of credit management, can solve problems such as unreliability, traditional bank risk control methods, and low informatization level of small and medium-sized enterprises, and achieve the effect of improving work efficiency

Pending Publication Date: 2019-10-29
曹洪
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

First of all, SMEs have a low level of informatization, opaque information, few mortgages, and traditional bank risk control methods; secondly, it is difficult for traditional banks to transform into transactional banks, so it is unreliable to rely solely on it

Method used

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  • Credit financing big data risk control management method based on network
  • Credit financing big data risk control management method based on network

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Embodiment Construction

[0029] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of the present invention.

[0030] A network-based credit financing big data risk control management method, comprising the following steps:

[0031] Such as figure 1 As shown, S1 and the loan officer have passed the qualification verification and become members of the management management system;

[0032] Qualification verification is divided into three parts: registrant information, fill in the registered mobile phone number, set a password, check the service agreement...

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Abstract

The invention discloses a credit financing big data risk control management method based on a network. The method comprises the following steps: S1, verifying qualification; S2, obtaining customers, and finding satisfactory customers through search and query; S3, enabling a credit hall and a creditor to grant credits to the clients passing qualification verification and invite the clients not passing the qualification verification, and after the clients pass the qualification verification, the creditor can grant credits to the clients; S4, performing financing management: after the financing party puts forward a financing application to the creditor, enabling the creditor to manage the financing; and S5, performing risk control supervision on the loaned financing by risk control halls andcreditors. According to the invention, a perfect credit financing risk control management scheme is established, and the credit work efficiency is improved; sufficient enterprise information is obtained, risk control is effectively carried out, and the financing risk is minimized.

Description

technical field [0001] The invention relates to the technical field of credit management, in particular to a network-based big data risk control management method for credit financing. Background technique [0002] Traditional credit financing technology is mainly based on loan officers, small loans, factoring, etc. In recent years, solutions based on financial technology such as cloud computing, big data, and artificial intelligence have been proposed. But these methods are not mature enough to be put into practical application. [0003] There are many problems with the traditional credit financing approach. First of all, SMEs have a low level of informatization, opaque information, few collaterals, and traditional bank risk control methods; secondly, it is difficult for traditional banks to transform into transactional banks, so it is unreliable to rely solely on it. Contents of the invention [0004] The purpose of the present invention is to provide a network-based c...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 曹洪
Owner 曹洪
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