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Credit approval method and device, server and medium

A credit and loan technology, applied in instruments, data processing applications, finance, etc., can solve the problems of credit review relying on reviewers, inconsistent credit review standards, and heavy workload of manual review, so as to improve the probability of credit approval and reduce Effects of risk, precision credit screening

Pending Publication Date: 2021-06-25
SHENZHEN UNIV
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

When the bank approves credit, it needs to conduct a comprehensive review and judgment on the customer's information. Manual review is heavy and difficult.
Moreover, in the process of manual review, the review of credit depends more on the subjective judgment of the reviewers. For different reviewers, the credit review standards are not uniform.

Method used

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  • Credit approval method and device, server and medium
  • Credit approval method and device, server and medium
  • Credit approval method and device, server and medium

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Embodiment Construction

[0027] In the following description, specific details such as specific system structures and technologies are presented for the purpose of illustration rather than limitation, so as to thoroughly understand the embodiments of the present application. However, it will be apparent to those skilled in the art that the present application may be practiced in other embodiments without these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.

[0028] It should be understood that when used in this specification and the appended claims, the term "comprising" indicates the presence of described features, integers, steps, operations, elements and / or components, but does not exclude one or more other Presence or addition of features, wholes, steps, operations, elements, components and / or collections thereof.

[0029] It shoul...

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Abstract

The invention is suitable for the technical field of finance, and provides a credit approval method and device, a server and a medium. The method comprises the steps: receiving a credit application of a customer, the credit application comprising a loan amount and personal data; acquiring customer data of the customer according to the personal data; calculating the performance probability of the customer through a risk measurement and calculation model obtained through pre-training by adopting the customer data; if the fulfillment probability is greater than a preset threshold value, determining a credit line of the customer based on the fulfillment probability; and approving the credit application according to the credit limit and the loan amount. Through the method, the credit approval efficiency can be improved.

Description

technical field [0001] The application belongs to the field of financial technology, and in particular relates to a credit approval method, device, server and medium. Background technique [0002] Credit is a lending behavior between different owners that reflects a certain economic relationship. It is a special form of value movement conditioned on repayment. It is a credit activity in which the creditor lends money and the debtor repays on schedule and pays certain interest. Before the bank approves the credit, it needs to pre-judge the repayment ability of the customer, so as to avoid the loan from being uncollectible. [0003] Currently, there is a high demand for credit and a high number of applicants. When a bank approves credit, it needs to conduct a comprehensive review and judgment on the customer's information. Manual review is heavy and difficult. Moreover, in the process of manual review, the review of credit depends more on the subjective judgment of the revie...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 肖冰张丽梅肖亚红李政道国星国世平
Owner SHENZHEN UNIV
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