Labor pledge method, device and terminal based on employees and enterprises

Abstract

The invention discloses a labor pledge method based on employees and enterprises. The method comprises the following steps: obtaining a loan request sent by an employee at an employee terminal; sending the loan request to an auditing end for auditing; obtaining auditing information of the auditing end for the loan request, judging whether the loan request passes auditing or not according to the auditing information, and if the loan request passes auditing, paying money to the account of the employee according to the loan limit; and deducting the corresponding repayment amount from the labor salaries of the employees regularly according to the repayment period number. In the invention, an enterprise does not need employees to carry out real object pledge and reference to credit investigation so that employee loan application difficulty and application time are reduced; when the loan request of the employee is approved, the subsequent repayment amount is directly deducted from the laborwage of the employee, the loan risk of the enterprise is reduced, and the loan income can also reduce the enterprise cost; therefore, a method for carrying out fund flow distribution through labor pledge is realized, and social progress is promoted.

Description

【Technical field】 [0001] The invention relates to the technical field of pledge loans, in particular to a labor service pledge method, device, terminal and storage medium based on employees and enterprises. 【Background technique】 [0002] With the rapid development of society, people often need to borrow from others for turnover when they are in urgent need of funds. Therefore, the first generation of real asset pledged loans and the second generation of online loans based on credit information have been born. Among them, the first-generation loan model has the disadvantages of requiring physical assets to be pledged, and the application period is longer; the second-generation loan model has the disadvantages of requiring credit data, not easy to control risks, and prone to bad debts. As for the establishment of a loan system between an enterprise and its employees, the above two loan models are either difficult to apply for a loan or require reference to credit information....

AI Technical Summary

Problems solved by technology

Among them, the first-generation loan model has the disadvantages of requiring physical assets to be pledged, and the application period is longer; the second-generation loan model has the disadvantages of requiring credit data, not easy to control risks, and prone to bad debts

As for the establishment of a loan system between an enterprise and its employees, the above two loan models are either difficult to apply for a loan or require reference to credit information. There is no one that can make the lender less risky and make the loan more secure. An easy way for parties to apply for a reasonable distribution of funds

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