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

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...

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) Risk control is completed by manual on-site investigation, the process is long and the cost of risk control is high;

[0012] (2) The risk control process is difficult, manual judgment requires rich experience, and is easily affected by subjective factors, which may easily cause greater uncertainty in the risk control process

[0013] In view of the above-mentioned shortcomings in the prior art, the present invention provides a multi-channel lending information drainage and processing system for real estate lending, which can solve the existing problems of information diversion, credit evaluation and risk control of borrowers in a package in the prior art