Dynamic post-loan early warning method and device, equipment and readable storage medium

A dynamic and pre-set range technology, applied in the field of financial technology, can solve the problems of reducing the efficiency of post-loan management and poor adaptability of post-loan management

Active Publication Date: 2019-12-03
WEBANK (CHINA)
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] The main purpose of the present invention is to provide a dynamic post-loan early warning method, device, equipment and readable storage m

Method used

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  • Dynamic post-loan early warning method and device, equipment and readable storage medium
  • Dynamic post-loan early warning method and device, equipment and readable storage medium
  • Dynamic post-loan early warning method and device, equipment and readable storage medium

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Embodiment Construction

[0065] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0066] The present invention provides a dynamic post-loan early warning method, in an embodiment of the dynamic post-loan early warning method, refer to image 3 , the dynamic post-loan early warning method includes:

[0067] Step S10: Obtain the current loan data of financial institution loan users within the preset range every preset time period, select the target screening rule from the preset screening rule table to perform different levels of screening processing on the loan data, and obtain Target screening results;

[0068] Step S20, extracting the pre-warned loan users from the screening results, and processing the pre-warned loan users with warning labels, and setting the pre-warning users as early warning users;

[0069] Step S30, selecting the target post-loan management strategy from the preset post-loan...

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Abstract

The invention discloses a dynamic post-loan early warning method and device, equipment and a readable storage medium. The method comprises the steps of obtaining loan data of a financial institution in a preset range at preset time intervals, selecting a target checking rule from a preset checking rule table to perform checking processing of different levels on the loan data, and obtaining a target checking result; extracting an early-warned on-loan user from the troubleshooting result, performing early-warning label processing on the early-warned on-loan user, and setting the on-loan user subjected to the early-warning label processing as an early-warning user; selecting a target post-loan management strategy from preset post-loan management strategies, and adjusting the early warning user based on the target post-loan management strategy to obtain an adjusted early warning user; and carrying out early warning processing on the adjustment early warning user. The technical problems that in the prior art, post-loan management is difficult to flexibly carry out, and the post-loan management efficiency is reduced are solved.

Description

technical field [0001] The invention relates to the technical field of financial technology (Fintech), in particular to a dynamic post-loan early warning method, device, equipment and a readable storage medium. Background technique [0002] With the continuous development of financial technology (Fintech), especially Internet technology finance, more and more technologies are applied in the financial field. Among them, post-loan management in the financial field involves many technologies. Post-loan management refers to the whole process management from the occurrence of loan business of financial institutions to the recovery of principal and interest or the end of credit. However, in the existing technology, in the process of early warning for users with risk potential, it is based on the standardized post-loan management framework set for the same post-loan management risk preference or the same loan product , so for different risk preferences and different loan products,...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 李欣瑶
Owner WEBANK (CHINA)
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