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Operation method convenient for realizing client loan

A customer and platform technology, applied in the direction of instrumentation, finance, data processing applications, etc., can solve the problems of complicated information, unreliable customer guarantees, and waste of time, so as to achieve the effect of investment

Pending Publication Date: 2020-08-25
徐晓龙
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, the mainstream of the loan guarantee industry is that customers (consumers) who need to make loans pay, which results in the existence of many hidden costs, and the procedures are complicated, which often takes up a lot of time for customers and often requires queuing, resulting in low efficiency.
In addition, the financial products of existing banks are updated quickly. Customers need to obtain the latest information through the bank's official website and other channels when they need it, and the bank releases information through its own official website and public channels, which is more troublesome and affects The work efficiency of the bank, the most important customer obtained cannot be guaranteed to be the customer who meets the bank's own loan products
Finally, some financial institutions such as small loan companies, credit companies, advance capital companies, and guarantee companies in the prior art can also provide various types of financial loan products. A lot of time is wasted, and you may not be able to choose the most suitable financial product for you

Method used

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  • Operation method convenient for realizing client loan

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Embodiment Construction

[0018] The present invention will be described in further detail below in conjunction with the accompanying drawings.

[0019] combined with figure 1 , an operational method that facilitates the realization of customer loans, comprising

[0020] Construct an open platform, which is open to financial institutions, quasi-financial institutions, and customers including banks, small loan company advance companies, pledge agencies, and guarantee companies;

[0021] Set product rules, financial institutions or quasi-financial institutions provide financial products on the platform, and set product rules;

[0022] Upload personal information, customers who are interested in financial products or customers who have any financial needs upload personal information to the platform, and the personal information is kept confidential until the customer's authorization;

[0023] To match financial products, after the customer authorizes the platform to view their personal information, the ...

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Abstract

The invention relates to an operation method convenient for realizing client loan, which comprises the following steps: constructing an open platform which is open for financial institutions and similar financial institutions including banks, small loan company capital-advance companies, pledge institutions and guarantee companies, and clients; setting product rules, providing financial products to the platform by a financial institution or a similar financial institution, and setting the product rules; uploading personal information, wherein clients interested in financial products or clientshaving any fund requirements upload the personal information to the platform; and matching financial products. Accurate matching of a financial product provider and a provided provider is realized, the operation efficiency of the financial market is improved, and the method can be widely applied to the technical field of finance.

Description

technical field [0001] The invention relates to the technical field of financial loans, and in particular refers to an operation method for facilitating customer loans. Background technique [0002] At present, the mainstream of the loan guarantee industry is that customers (consumers) who need to make loans pay, which results in the existence of many hidden costs, and the procedures are complicated, which often takes up a lot of time for customers and often requires queuing, resulting in low efficiency. . In addition, the financial products of existing banks are updated quickly. Customers need to obtain the latest information through the bank's official website and other channels when they need it, and the bank releases information through its own official website and public channels, which is more troublesome and affects The bank's work efficiency, the most important thing is that the customers obtained cannot be guaranteed to be customers who meet the bank's own loan pro...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 徐晓龙
Owner 徐晓龙
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