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Loan qualification auditing method based on artificial intelligence and related equipment

A qualification and user technology, applied in the fields of instruments, electrical digital data processing, finance, etc., can solve the problems of consumption, low audit accuracy, low efficiency, etc.

Pending Publication Date: 2020-06-05
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Abstract
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  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention provides a loan qualification review method, device, computer equipment, and storage medium, aiming to solve the problems in the prior art that the loan qualification review method consumes a lot of manpower, has low efficiency and low review accuracy

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  • Loan qualification auditing method based on artificial intelligence and related equipment
  • Loan qualification auditing method based on artificial intelligence and related equipment
  • Loan qualification auditing method based on artificial intelligence and related equipment

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Embodiment Construction

[0028] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0029] It should be understood that when used in this specification and the appended claims, the terms "comprising" and "comprises" indicate the presence of described features, integers, steps, operations, elements and / or components, but do not exclude one or Presence or addition of multiple other features, integers, steps, operations, elements, components and / or collections thereof.

[0030] It should also be understood that the terminology used ...

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Abstract

The invention discloses a loan qualification auditing method based on artificial intelligence and related equipment, and relates to the field of artificial intelligence, wherein the method comprises the steps: building a parameter information table; dialoguing with a user by using a dialogue model, and carrying out intention recognition and parameter extraction on the user utterance by using a deep learning model in the dialogue process; if the identified intention is an informing intention, filling extracted parameters into the parameter information table; standardizing the parameters in theparameter information table; and evaluating the loan qualification of the user according to the parameter information table. According to the method, dialogue with the user is carried out through thedialogue model, the labor cost is reduced, the auditing efficiency is improved, intention recognition and parameter extraction are automatically carried out on the user utterance on the basis, the loan qualification is automatically evaluated according to the parameter information table of the user, the problems of misremembering, missing remembering and the like of the user information are avoided, and the auditing accuracy is improved.

Description

technical field [0001] The invention relates to the field of artificial intelligence, in particular to an artificial intelligence-based loan qualification review method, device, computer equipment and storage medium. Background technique [0002] Generally speaking, when receiving a customer's loan application, the bank's credit review specialist needs to communicate with the loan customer by phone to understand the customer's loan intention, asset status and credit status, to screen potential customers and evaluate customer loan qualifications to help The back-end agents formulate suitable loan plans for customers. [0003] The above-mentioned manual review and evaluation method needs to consume a lot of manpower costs, and the efficiency is low, and due to the uneven quality of personnel, it will also affect the effect of communicating with users. In addition, the credit reviewer needs to quickly record various information of the user during the call with the user, which ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F16/332G06F16/33G06Q40/02
CPCG06F16/3329G06F16/3343G06F16/3344G06Q40/03
Inventor 赵焕丽徐国强
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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