Loan method and device, server and storage medium

Abstract

The embodiment of the invention discloses a loan method and device, a server and a storage medium. The method comprises the steps of receiving a loan application sent by a client, evaluating a targetcredit limit of a client according to identity information, and sending first prompt information which comprises the target credit limit to the client under the condition that the target credit limitis greater than a to-be-paid insurance premium amount; receiving a first instruction sent by the client for the first prompt information, and sending an order request to a server corresponding to thetarget material company if the first instruction indicates that the credit limit is increased; and paying the money corresponding to the to-be-paid insurance amount to the insurance company, and paying the money corresponding to the total material purchasing amount to the target material company after the logistics information of the to-be-purchased materials is obtained. Through the embodiment ofthe invention, the loan of the client can be automatically used for paying insurance premium and purchasing materials, so that a novel insurance policy guarantee loan mode is realized, the loan riskcan be effectively reduced, and the loan passing rate is improved.

Description

technical field [0001] The invention relates to the field of Internet finance, in particular to a loan method, device, server and storage medium. Background technique [0002] With the rapid development of agriculture, the scale of breeding and planting continues to expand, and diseases occur frequently. At the same time, the increase in extreme weather and frequent natural disasters have brought greater risks to agricultural development. Agricultural insurance (including breeding insurance and planting insurance) is an important part of the agricultural financial service system and an important measure taken by the state to vigorously support agricultural development. It helps agricultural producers disperse and transfer risks, improves their ability to resist risks, and promotes agricultural stability. important for healthy development. However, due to the large amount of funds required by agricultural producers in the early stage, there may be insufficient funds to purc...

AI Technical Summary

Problems solved by technology

However, due to the large amount of funds required by agricultural producers in the early stage, there may be insufficient funds to purchase agricultural materials, and there may also be insufficient funds to purchase agricultural insurance; at this time, it is necessary to obtain a loan from a financial institution

The existing loan model of financial institutions still adopts the original personal guarantee model, but due to the high risk of lending, financial institutions are unwilling to lend to agricultural producers, resulting in a low loan approval rate, which will affect agricultural producers. Agricultural production is greatly affected

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