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Lease business risk monitoring method, device and equipment and readable storage medium

A risk and business technology, applied in the field of fraud risk management, which can solve problems such as difficulty in finding fraudulent loans

Pending Publication Date: 2021-04-16
WEBANK (CHINA)
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The main purpose of the present invention is to provide a risk monitoring method, device, equipment and readable storage medium for leasing business, aiming to solve the technical problem that it is difficult to find fraudulent loans when the partner leasing agency maliciously fabricates house data

Method used

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  • Lease business risk monitoring method, device and equipment and readable storage medium
  • Lease business risk monitoring method, device and equipment and readable storage medium
  • Lease business risk monitoring method, device and equipment and readable storage medium

Examples

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no. 1 example

[0087] Based on the first embodiment, the second embodiment of the risk monitoring method of the leasing business of the present invention is proposed, referring to image 3 , in this embodiment, step S10 includes:

[0088] Step S11, when receiving a loan application request from a customer, obtain the loan application materials corresponding to the customer's loan application, wherein the loan application materials include the customer's personal information and a house lease contract;

[0089] Step S12, analyzing the text of the house lease contract to obtain house information in the house lease contract.

[0090] In this embodiment, when a lending institution receives a loan application request from a customer, it obtains the loan application materials used by the customer to apply for a loan based on the loan application request, wherein the loan application materials include the customer's personal information and the customer's user information. For the housing lease co...

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Abstract

The invention discloses a lease business risk monitoring method, device and equipment and a readable storage medium, and the method comprises the steps of obtaining house information corresponding to a loan application request of a client when the loan application request of the client is received; obtaining the number of houses matched with the house information in a relationship network corresponding to historical house information and historical client information, the historical house information corresponding to the historical client information in the relationship network; determining whether actual building information corresponding to the address information exists or not based on the address information corresponding to the house information; and if the actual building information corresponding to the address information exists, determining a credit risk of the customer based on the number of the houses so as to process the loan application request based on the credit risk. According to the invention, the technical problem that loan fraud is difficult to discover when house data is maliciously pinched by a partner leasing institution is solved.

Description

technical field [0001] The present invention relates to the technical field of fraud risk management, in particular to a method, device, equipment and readable storage medium for risk monitoring of leasing business. Background technique [0002] At present, renters often need to apply for rental loans from lending institutions for capital turnover. The existing process of granting loans to customers is mainly that the partner leasing agency feeds back the housing data used for the loan to the lending agency, and the lending agency then compares the housing data fed back by the leasing agency, such as the housing number provided by the leasing agency, The lending institution compares whether there is an existing loan on the house number to determine whether the house has multiple loans for one house. [0003] However, when the partner leasing agency maliciously fabricates the housing data, this kind of judgment based on the housing data fed back by the leasing agency will ma...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06F40/205G06K9/34G06Q30/06
Inventor 谭垒
Owner WEBANK (CHINA)
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