Method and system for complex credit matching platform

Abstract

The invention discloses a method and system for a complex credit matching platform. The system is composed of a product domain system, a routing domain system, a risk control domain system, a credit domain system, an operation domain system, a client domain system and a basic domain system. Financial diversion service and financial science and technology service with intelligent risk control as the core are provided, the user operation and flow conversion capacity and big data risk control capacity of a cooperative financial institution are improved, and meanwhile a high-flow platform is helped to improve the flow change capacity. A user can complete credit granting service acceptance of all fund parties after completing information acquisition in the system. The system completes user portraying, rating and other work based on static data and dynamic data of a client, does not need to perform any processing offline, greatly reduces the offline labor cost, and meanwhile, a user calculates and provides related qualification party platform quotas meeting user requirements according to a real-time algorithm in different payment scenes.

Description

technical field [0001] The invention relates to the technical field of financial information, in particular to a method and system for a complex credit matching platform. Background technique [0002] In recent years, the domestic cash loan industry has shown a continuous upward trend. The proportion of cash loans in total loans has increased year by year, and the proportion of cash loans in GDP has also continued to increase. With the gradual improvement of infrastructure such as online microfinance, consumer finance, financial leasing, and city commercial banks, and the existence of a large number of highly willing customer groups, the combination of the two will create a huge demand gap for cash loans. At the same time, there are a large number of cash loan products on the market, and the interest rate of each product is different. People often feel that they have no choice or tend to calculate the gains and losses. Therefore, many customers will subconsciously escape fro...

AI Technical Summary

Problems solved by technology

At the same time, there are a large number of cash loan products on the market, and the interest rate of each product is different. People often feel that they have no choice or tend to calculate the gains and losses. Therefore, many customers will subconsciously escape from complicated choices and lean towards short loans. products, resulting in the loss of some users

[0003] Existing cash loan products can only grant credit to users in their own fields and provide credit lines and interest rates. Different credit lines and interest rates given by different employers cannot meet the needs of users in reality, and users need to take the initiative to grant credit in each product And choose the expected amount for scenario loan

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