Financial lending method and system based on big data technology

Abstract

The invention discloses a financial lending method based on big data technology, and the method comprises the following steps: S1, a lender initiates a lending request online, and submits personal financial data; S2, the system performs internal system rating according to the personal financial data, and judges whether the loan demand is matched with the rating; S3, the risk specialist receives the loan demand and verifies the data of the client; S4, the system performs borrower data auditing through a big data technology, including financial information and social behavior information, performs trend analysis according to the past financial information and social behavior information of the borrower, makes judgment and rating, and sends the judgment and rating result to a risk specialist; S5, the risk specialist makes a lending suggestion according to the rating combination received in the step S4 and uploads all data to the system; S6, the system performs secondary evaluation on thereceived data; and S7, lending is carried out . The method has the advantages of safety, reliability, strong risk control, convenience and high efficiency.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a method and system for financial lending based on big data technology. Background technique [0002] The financial industry occupies an important position in the current social development. It provides economic support for all walks of life, provides financial services for individuals, and brings capital turnover to enterprises. Service financial products such as loan transactions can guarantee the sustainable development of the economy. [0003] Loan transactions are financial services in which financial institutions lend funds to borrowers and charge corresponding interest, which can ease the capital turnover of borrowers. The repayment ability is matched and verified to ensure that the borrower has the ability to repay the loan before lending. Even so, there are still losses that the borrower cannot repay in time, resulting in the unrecoverable funds of the financia...

AI Technical Summary

Problems solved by technology

[0003] Loan transactions are financial services in which financial institutions lend funds to borrowers and charge corresponding interest, which can ease the capital turnover of borrowers. The repayment ability is matched and verified to ensure that the borrower has the ability to repay the loan before lending. Even so, there are still losses that the borrower cannot repay in time, resulting in the unrecoverable funds of financial institutions. Most of the reasons are due to the borrower himself economic conditions and the use of funds, and there are also elements of fraudulent proof, so there are still large loopholes in risk control of lending services

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