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Credit assessment and credit granting application system and method based on information data

A credit evaluation and information data technology, applied in data processing applications, special data processing applications, electronic digital data processing, etc., can solve problems such as imperfect financial information, rural financial resources unable to meet farmers' capital needs, and the dispersion of loan objects. , to achieve the effect of solving financing difficulties

Pending Publication Date: 2021-02-05
北京农信数智科技有限公司
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Problems solved by technology

[0003] In order to solve the difficulties and characteristics of small loans for farmers in the existing technology, such as incomplete financial information and scattered loan objects, the credit evaluation system for small loans to farmers is very imperfect. At the same time, credit evaluation systems for farmers in many financial institutions The system cannot be improved and upgraded in time, resulting in technical problems such as the fact that the existing rural financial resource supply cannot meet the financial needs of farmers' business development. and management data credit evaluation system, and connect with financial institutions to complete data information interaction and credit real-time application through the Internet

Method used

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  • Credit assessment and credit granting application system and method based on information data
  • Credit assessment and credit granting application system and method based on information data
  • Credit assessment and credit granting application system and method based on information data

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Embodiment Construction

[0048] The present invention will be described in detail below in conjunction with the accompanying drawings.

[0049] Detailed exemplary embodiments are disclosed below. However, specific structural and functional details disclosed herein are merely for purposes of describing example embodiments.

[0050] It should be understood, however, that the invention is not limited to the particular exemplary embodiments disclosed, but covers all modifications, equivalents, and alternatives falling within the scope of the disclosure. Throughout the description of the figures, the same reference numerals denote the same elements.

[0051] Referring to the accompanying drawings, the structures, proportions, sizes, etc. shown in the accompanying drawings of this specification are only used to match the content disclosed in the specification, for those who are familiar with this technology to understand and read, and are not used to limit the scope of the present invention. Therefore, it...

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Abstract

The invention discloses a credit assessment and credit granting application system and method based on information data, and the method comprises the steps: A, receiving a financing application request initiated by a farmer, and obtaining the corresponding real-name authentication and data authorization information; b, acquiring and storing external information data returned by a big data platformaccording to the data authorization information, and analyzing the external information data; c, selecting required indexes from the index library, combining the indexes into a model relational expression through operators, and establishing a credit evaluation model in multiple scenes; and D, based on a result of the credit evaluation model, matching a eligible credit product for the farmer according to a credit product route matching rule. According to the invention, the actual usage scenario or the farmer type of the farmer is combined, multi-party transaction, management and other information data are supported, and credit limit evaluation can be carried out objectively and reasonably.

Description

technical field [0001] The invention belongs to the field of credit evaluation technology and financial technology output, and in particular relates to a credit evaluation and credit application system and method based on transaction and management information data. Background technique [0002] The agricultural population is huge, accounting for more than 40% of China's total population. At the same time, due to the difficulties and characteristics of small-amount loans to rural households, such as incomplete financial information and scattered loan objects, the credit evaluation system for small-amount loans to rural households is very imperfect. The credit evaluation system for farmers in a small number of financial institutions cannot be improved and upgraded in time, resulting in the fact that the existing supply of rural financial resources cannot meet the financial needs of farmers for business development. In recent years, farmers' business models have also been cont...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F16/9535G06F16/242G06F40/289G06K9/62G06Q40/02
CPCG06F16/9535G06F16/2433G06F40/289G06Q40/03G06F18/23
Inventor 张雁伟杨明哲李玉福张海翠魏春薛素文王柯于莹
Owner 北京农信数智科技有限公司
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