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Loan risk management method and system

A risk management and loan technology, applied in the Internet field, can solve problems such as inability to manage loan risks of enterprises, and achieve the effect of reducing the risk of lending

Inactive Publication Date: 2021-02-05
树根互联技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of this, the purpose of the present invention is to provide a loan risk management method and system to solve the technical problem in the prior art that financial institutions cannot manage loan risks for enterprises based on real production and operation conditions

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  • Loan risk management method and system
  • Loan risk management method and system

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Embodiment Construction

[0035] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. The components of the embodiments of the invention generally described and illustrated in the figures herein may be arranged and designed in a variety of different configurations.

[0036] Accordingly, the following detailed description of the embodiments of the invention provided in the accompanying drawings is not intended to limit the scope of the claimed invention, but merely represents selected embodiments of the invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without making creative efforts belong to the protection scope of the present invention.

[0037] It should be noted that relative ter...

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Abstract

The embodiment of the invention provides a loan risk management method and system, and relates to the technical field of the Internet. And an enterprise node receives service data synchronized by an information technology system, controls production equipment associated data synchronized by the technology system, and stores service data and production equipment associated data, and a financial institution node checks the service data and the production equipment associated data according to the data access permission granted by the enterprise node. And loan risk management is carried out on the enterprise according to the service data and the production equipment associated data. The enterprise node is connected with the information technology system and the control technology system of the enterprise, and the enterprise node and the financial institution node are located in the same block chain network, so that the service data and the production equipment associated data stored in the block chain network are ensured not to be tampered and repudiated; therefore, the financial institution node can perform loan risk management on the enterprise based on the real business data and the production equipment associated data, thereby reducing the lending risk.

Description

technical field [0001] The present invention relates to the field of Internet technology, in particular to a loan risk management method and system. Background technique [0002] During the development process of enterprises, there are often problems such as unsmooth capital turnover and lack of funds. Enterprises can apply for loans from financial institutions to ensure the operation of enterprises. Before granting loans, financial institutions need to conduct a risk control review of the enterprise to reduce the risk of lending. [0003] At present, financial institutions can only send people to check the actual production situation of manufacturing enterprises offline, and even have no way of knowing it. However, financial institutions cannot judge whether the data unilaterally provided by manufacturing enterprises is true and credible, which makes it impossible for financial institutions to According to the production and operation situation of the enterprise, the loan ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F21/64
CPCG06F21/64G06Q40/03
Inventor 陈柏良郭剑南王欣陈识
Owner 树根互联技术有限公司
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