Multi-channel loan information drainage and processing system for real estate loan

A technology for processing systems and real estate, applied in the field of multi-channel lending information drainage and processing systems, which can solve the problems of high difficulty, time-consuming and labor-intensive risk control process, and non-appearance in the risk control process.

Active Publication Date: 2020-04-28
友联(嘉兴)互联科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Big data information that is really valuable for evaluating user credit is likely not to appear in the application materials;
[0007] (2) The credit investigation is done manually and the process is long
The method of manually verifying these materials is very time-consuming and laborious. It takes several months, and the efficiency is low, which greatly affects the borrowing efficiency of the borrower.
[0008] (3) The credit granting process is relatively difficult, manual judgment requires rich experience, and is easily affected by subjective factors, which may easily lead to greater uncertainty in the rating and credit granting process
[0011] (1) R

Method used

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Examples

Experimental program
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Embodiment Construction

[0094] The technical solution of the present invention will be further specifically described below through specific examples.

[0095] The multi-channel lending information drainage and processing system for real estate lending of the present invention,

[0096] Including information drainage system and information processing system;

[0097] The information drainage system includes a user information registration module, which is associated with the communication network and is used to receive a first-level user information registration application;

[0098] The user information verification and storage module is associated with the communication network and is used to verify the first-level user information and store the verified information;

[0099] The user information registration module is provided with an information drainage sub-module, and the authority of this sub-module is opened after the first-level user information is verified, and is used for the first-level ...

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PUM

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Abstract

The invention relates to a multi-channel loan information drainage and processing system for real estate loan. The multi-channel loan information drainage and processing system comprises an information drainage system and an information processing system. The information processing system comprises a pre-loan one-key rating, valuation and credit extension system and a pre-loan remote risk controlsystem. The system has the following beneficial effects: (1) by integrating a wide range of channels, any first-level user can obtain other user demand information (second-level user loan demand), after authorization or delegation, the information is input into the loan information drainage system for verification and storage, evaluation credit extension and remote risk control are entered after the verification is passed, and in the mode, the loan platform is wide in loan main body seeking process channel and high in popularization efficiency. (2) the credit granting system comprehensively judges the credit of the borrowing subject (secondary user) through big data, and can obtain a credit evaluation conclusion with relatively high objectivity. Valuable big data information for evaluatingthe credit of users can be truly referenced.

Description

technical field [0001] The invention relates to a multi-channel lending information drainage and processing system for real estate lending, and relates to the technical field of real estate lending information acquisition and processing. Background technique [0002] Real estate lending refers to a loan model in which the borrower registers real estate mortgages in the lender's name, the lender lends funds to the borrower, and the borrower repays the principal and interest to the lender in the manner agreed in the contract. [0003] With the further deepening of domestic financial reforms and the further opening up of financial market access, market competition has become increasingly fierce. Whether it is banks, small loan companies, pawn shops, guarantee companies, online lending information intermediary agencies, financial leasing companies, private lending institutions, natural persons, enterprises and other organizations and other financial direct credit entities, or in...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q20/40
CPCG06Q20/4037G06Q40/03
Inventor 徐永清
Owner 友联(嘉兴)互联科技有限公司
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