Financial economic loan risk assessment method and system

Abstract

The invention discloses a financial economic loan risk assessment method and system. The system comprises a control module arranged at a control terminal, the control module is electrically connectedwith an information acquisition module and a risk assessment module, wherein the information acquisition module is used for acquiring personal actual information of a borrowing applicant, the risk assessment module is used for assessing a borrowing risk result of the borrowing applicant, the information acquisition module comprises a personal credit investigation module, a credit investigation module for others and an identity recognition module, and the personal credit investigation module is electrically connected with the identity recognition module. The system is reasonable in structural design, personal credit investigation of the most active object of economic exchange closest to the lending applicant and personal information of the lending applicant are combined; the situation thatfalse materials exist in approval materials provided by a lending applicant is effectively avoided, so that objectivity and accuracy of financial lending risk assessment can be improved, and the lending risk of a lending institution is greatly reduced.

Description

technical field [0001] The invention relates to the field of financial and economic technology, in particular to a financial and economic lending risk assessment method and system. Background technique [0002] Loans from financial institutions refer to long-term loans that enterprises borrow from financial institutions such as banks, insurance companies, and finance companies. [0003] Nowadays, banks decide whether to grant loans after approval. An important part of bank approval is credit evaluation: investigators determine the credit rating of loan applicants based on factors such as the loan applicant's economic strength, capital structure, and performance of the contract, and conduct a feasible Among them, the analysis of the financial status of the loan applicant is the most important, and then a comprehensive judgment is made. [0004] With the increasing number of personal lending businesses of financial lending institutions, the requirements for lending risk asses...

AI Technical Summary

Problems solved by technology

[0004] With the increasing number of personal lending businesses of financial lending institutions, the requirements for lending risk assessment systems of financial lending institutions are getting higher and higher. Traditional financial lending institutions often list the details of the required materials before approval. Individuals who apply for loans can provide corresponding evaluation materials. Once the materials are incomplete, financial lending institutions will not be able to obtain the risk level, and thus cannot complete the loan. In this way, financial lending institutions can only complete the risk assessment under the premise that individuals provide complete materials. Grade evaluation, to finally determine whether to lend, but in the case of complete approval materials, the individual loan applicant may provide false materials, resulting in inaccurate final risk assessment, which brings huge risks to lending institutions and is not conducive to finance Lending institutions carry out loans, and propose a financial and economic lending risk assessment method and system for such problems

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