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

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...

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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

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