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Enterprise loan automatic approval method and device, storage medium and electronic device

An automatic approval, enterprise technology, applied in data processing applications, finance, instruments, etc., can solve the problems of limited financing channels for small and micro enterprises, difficulties in the real economy, and high financing costs

Inactive Publication Date: 2019-11-15
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, the small and micro enterprises with credit services in the banking industry only account for about 10% of the small and micro enterprises registered with the industrial and commercial departments.
Small and micro enterprises have limited financing channels and high financing costs, which is a difficult problem for the real economy

Method used

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  • Enterprise loan automatic approval method and device, storage medium and electronic device
  • Enterprise loan automatic approval method and device, storage medium and electronic device
  • Enterprise loan automatic approval method and device, storage medium and electronic device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0052] figure 1 It is a flow chart of the enterprise loan automatic approval method provided in Embodiment 1 of this application. This embodiment can be adapted to the situation of automatic approval of enterprise loans. This method can be executed by the enterprise loan automatic approval device provided by this application embodiment. The device can be realized by means of software and / or hardware, and can be integrated into electronic devices such as smart terminals.

[0053] Such as figure 1 As shown, the methods for automatic approval of enterprise loans include:

[0054] S110. Determine the initial credit line of the target company according to the credit information of the target company; wherein, the credit information includes at least one of daily average deposits, corporate tax payments, agency salary payment, and accounts receivable.

[0055] Among them, the target enterprise can be an enterprise applying for a loan, or a small and micro enterprise, but for mediu...

Embodiment 2

[0079] In order to enable those skilled in the art to understand the technical solution provided by the application more accurately, the application also provides a preferred implementation manner.

[0080] figure 2 It is a schematic diagram of the automatic approval principle provided in Embodiment 2 of the present application. Such as figure 2 As shown, the working principle of the automatic loan approval method for small and micro enterprises is as follows: When a customer applies for a loan for a small and micro enterprise, firstly, according to the data of the small and micro enterprise and the owner's financial assets, settlement flow, financing situation, etc., as well as internal and external credit conditions, the client is established Unify the credit system, and pre-credit the amount for customers. Then use multi-dimensional data such as administrative penalties, industrial and commercial inspections, judicial decisions, customs environmental protection, water, ...

Embodiment 3

[0111] image 3 It is a schematic structural diagram of the enterprise loan automatic approval device provided in Embodiment 3 of the present application. Such as image 3 As shown, the enterprise loan automatic approval device includes:

[0112] The initial credit line determination module 310 is configured to determine the initial credit line of the target enterprise according to the credit information of the target enterprise; wherein, the credit information includes daily average deposits, corporate tax payments, agent payment of wages, and accounts receivable at least one of;

[0113] The precise portrait determination module 320 is used to collect the verification reference information of the target enterprise and determine the precise portrait of the target enterprise; wherein, the verification reference information includes: administrative punishment, industrial and commercial inspection, judicial judgment, customs environmental protection, water, electricity and gas...

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Abstract

The embodiment of the invention discloses an enterprise loan automatic approval method and device, a storage medium and an electronic device. The method comprises the steps of determining an initial credit line of a target enterprise according to credit investigation information of the target enterprise; wherein the credit investigation information comprises at least one of daily average deposit,enterprise tax payment, salary pay-for-another and receivable money; collecting verification reference information of the target enterprise, and determining an accurate portrait of the target enterprise; approving the credit investigation information and the accurate portrait of the target enterprise by using a pre-trained approval rule base; if approval is passed, performing risk assessment on the target enterprise by adopting a risk assessment model; and if the evaluation meets the preset standard, determining that loan is allowed to be carried out according to the initial credit line. By implementing the technical scheme, the effect of issuing loans to enterprises in an automatic approval mode can be achieved, and the economic problem in enterprise development is solved. Meanwhile, strict risk management and control are also achieved, and stable development of economy is promoted.

Description

technical field [0001] The embodiments of the present application relate to the technical field of electronic information processing, and in particular to a method, device, storage medium and electronic equipment for automatic approval of enterprise loans. Background technique [0002] With the rapid rise of the economy, my country's small and micro enterprises have developed rapidly, and the number has increased sharply in a short period of time. At the same time, the development of small and micro enterprises has also become an important factor in the development of the national economy. Among them, small and micro enterprises are collectively referred to as small enterprises, micro enterprises, family workshop enterprises, individual industrial and commercial households, etc. Small and micro enterprises are characterized by a large number, various types, and diverse investment entities and ownership structures. [0003] For small and micro enterprises, the most difficult...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 王伟曾欣葛颖蔡启泉刘侃梁剑伟王斯鹏
Owner CHINA CONSTRUCTION BANK
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