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Enterprise loan purpose verification method and system, computer equipment and storage medium

A technology for enterprises and purposes, which is applied in the verification method and system of enterprise borrowing purposes, storage media, and computer equipment, and can solve problems such as difficult judgment of borrowing reasons and high labor costs.

Pending Publication Date: 2020-12-29
SHENZHEN POWER SUPPLY BUREAU
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the reason for borrowing is sometimes difficult to judge, and it depends on reasoning
Due to the information asymmetry between the borrower and the bank, it often takes a lot of labor costs to confirm the purpose of the loan

Method used

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  • Enterprise loan purpose verification method and system, computer equipment and storage medium
  • Enterprise loan purpose verification method and system, computer equipment and storage medium

Examples

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Embodiment Construction

[0035] Various exemplary embodiments, features, and aspects of the present disclosure will be described in detail below with reference to the accompanying drawings. In addition, in order to better illustrate the present invention, numerous specific details are given in the following specific examples. It will be understood by those skilled in the art that the present invention may be practiced without certain of the specific details. In some instances, means well known to those skilled in the art are not described in detail in order to highlight the gist of the present invention.

[0036] refer to figure 1 , an embodiment of the present invention proposes a method for verifying the purpose of corporate loans, which is specifically applicable to the pre-loan management of borrowing corporate users. The method in this embodiment specifically includes the following steps S1-S4:

[0037] Step S1, receiving a loan purpose investigation request; the request includes target enterpr...

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Abstract

The invention relates to an enterprise loan purpose verification method and system, computer equipment and a storage medium. The method comprises the steps of S1, receiving a borrowing purpose investigation request; wherein the request comprises target enterprise information and borrowing purpose information; s2, judging whether the borrowing purpose of the target enterprise is used for expandingproduction or not according to the request; if not, entering the step S3; if so, entering the step S4; s3, generating another case investigation processing information, and sending the another case investigation processing information to an intelligent terminal of an investigator so as to prompt the investigator to carry out another case investigation; s4, obtaining the power consumption information of the target enterprise, and judging whether the loan purpose of the target enterprise is true or not according to the power consumption information; wherein the power consumption information comprises time-sharing power consumption information and capacity expansion information. According to the invention, the borrowing purpose of the enterprise is verified by means of the power consumption data of the borrowing enterprise, the risk control capability of a bank is significantly improved, and the bad debt rate of the bank is reduced.

Description

technical field [0001] The present invention relates to the technical field of intelligent finance, in particular to a method for verifying the use of enterprise loans and its system, computer equipment, and storage media. Background technique [0002] The purpose of the loan refers to the specific aspect and scope of the use of the loan funds agreed by the borrower and the lender. The "Three Laws and One Guideline" stipulates that the borrower and the lender should agree on a clear and legal purpose of borrowing. The purpose of borrowing is related to compliance, authenticity, repayment sources and risks. The purpose of the loan must be in compliance with regulations and cannot be used in restrictive or prohibited industries, such as the high-energy, high-energy, and surplus areas; the purpose must be reasonable, and the rationality must be judged in conjunction with the borrower's main business, operating conditions, and financial conditions. Economic benefits; the purpo...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q50/06
CPCG06Q50/06G06Q40/03
Inventor 赵少东
Owner SHENZHEN POWER SUPPLY BUREAU
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