Loan risk analysis method and device, computer device and readable storage medium

A risk analysis, computer program technology, applied in the fields of computer equipment and readable storage media, loan risk analysis methods, and devices, and can solve the problems of unfavorable credit institutions' credit risk, prone to operational risk, etc.

Pending Publication Date: 2019-11-15
浙江大搜车软件技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, after receiving a loan application from a loan applicant, credit institutions usually manually verify the basic information of the loan applicant by business personnel, for example, whether the address of the loan applicant has been falsely reported, etc. The problem is that manual Verification is prone to operational risk, which is not conducive to controlling the credit risk of credit institutions

Method used

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  • Loan risk analysis method and device, computer device and readable storage medium
  • Loan risk analysis method and device, computer device and readable storage medium
  • Loan risk analysis method and device, computer device and readable storage medium

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Embodiment Construction

[0051] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.

[0052] The loan risk analysis method provided by this application can be applied to such as figure 1 Shown computer equipment, the computer equipment can be a server, and its internal structure diagram can be as follows figure 1 shown. The computer device includes a processor, memory, network interface and database connected by a system bus. Wherein, the processor of the computer device is used to provide calculation and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium...

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Abstract

The invention relates to a loan risk analysis method and device, a computer device and a readable storage medium. The method comprises the following steps: receiving a loan request of a loan subject;obtaining first basic information of a loan subject from the loan request; obtaining door-to-door sampling data of the loan subject, and extracting second basic information of the loan subject from the door-to-door sampling data; wherein the physical meanings represented by the first basic information and the second basic information are the same; comparing the first basic information with the second basic information to obtain a comparison result; and outputting a risk analysis result of the loan request according to the comparison result. By adopting the method, the operation risk caused bythe fact that business personnel manually verify the basic information of the loan main body can be avoided, and the credit risk of a credit institution can be controlled.

Description

technical field [0001] The invention relates to the technical field of financial risk control, in particular to a loan risk analysis method, device, computer equipment and readable storage medium. Background technique [0002] With the rapid development of society and the financial industry, the credit business is active in the market. After receiving the loan application, the credit institution needs to conduct risk control analysis on the loan applicant to reduce the loss caused to the credit institution when a risk event occurs. At present, after receiving a loan application from a loan applicant, credit institutions usually manually verify the basic information of the loan applicant by business personnel, for example, whether the address of the loan applicant has been falsely reported, etc. The problem is that manual Verification is prone to operational risk, which is not conducive to controlling the credit risk of credit institutions. Contents of the invention [00...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 汪海明李元银
Owner 浙江大搜车软件技术有限公司
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