Peer-to-peer credit granting management method and system, storage medium and electronic equipment
A management method and peer-to-peer technology, applied in the field of credit services, can solve the problems of large deviation in the approval of credit limit and difficulty in ensuring the quality of credit limit calculation, and achieve the effect of ensuring the quality of measurement and calculation.
Pending Publication Date: 2021-04-02
安徽兆尹信息科技股份有限公司 +1
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Problems solved by technology
However, the credit management method adopted in the related technology has a large deviation in the verification of the credit line, and the quality of the credit line measurement is difficult to be guaranteed.
Method used
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[0019] Embodiments of the present invention are described in detail below, and examples of the embodiments are shown in the drawings, wherein the same or similar reference numerals denote the same or similar elements or elements having the same or similar functions throughout. The embodiments described below by referring to the figures are exemplary and are intended to explain the present invention and should not be construed as limiting the present invention.
[0020] The interbank credit management method, system, storage medium, and electronic device according to the embodiments of the present invention are described below with reference to the accompanying drawings.
[0021] figure 1 It is a flowchart of an interbank credit management method according to an embodiment of the present invention. refer to figure 1 As shown, the method may include the following steps:
[0022] S101. Receive the credit business requirements of interbank customers sent by the peripheral syste...
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The invention discloses a peer-to-peer credit granting management method and system, a storage medium and electronic equipment. The method comprises the following steps: receiving a peer-to-peer customer credit granting service demand sent by a peripheral system; if the credit granting service demand comprises a credit using request, obtaining financial data of customers in the same industry according to the credit using request; according to the financial data of the same-industry clients, the financial data of the financial institutions and preset evaluation parameters, performing credit line evaluation on the same-industry clients to obtain comprehensive credit lines and business credit conditions; calling a corresponding credit granting algorithm from a credit granting algorithm library; and carrying out credit judgment on the same-industry clients according to the comprehensive credit line by utilizing a credit algorithm, and returning a credit result, the credit result comprisingthe target available line of the same-industry clients. According to the method, the credit line can be accurately checked, and the calculation quality of the credit line is ensured.
Description
technical field [0001] The invention relates to the technical field of credit services, in particular to an interbank credit management method, an interbank credit management system, a computer-readable storage medium and an electronic device. Background technique [0002] Credit management is a means for financial institutions to identify, evaluate, manage, monitor and deal with their risks in the credit business. However, the credit management method adopted in the related art has a relatively large deviation in the verification of the credit line, and it is difficult to guarantee the quality of the credit line measurement. Contents of the invention [0003] The present invention aims to solve one of the technical problems in the related art at least to a certain extent. Therefore, the first purpose of the present invention is to propose a method for managing interbank credit, which can accurately verify the credit line and ensure the quality of credit line calculation....
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Patent Timeline
Login to View More IPC IPC(8): G06Q10/06G06Q10/10G06Q40/00
CPCG06Q10/0635G06Q10/103G06Q40/125
Inventor 尹留志汪海建张健卢鹏何成弥
Owner 安徽兆尹信息科技股份有限公司