Method, device and equipment for supporting loan re-staging, and storage medium

Abstract

The invention relates to the field of financial science and technology, in particular to a method, a device and equipment for supporting loan re-staging, and a storage medium, and the method comprises the steps: determining financial data and credit investigation data of a customer; according to the financial data, fitting to obtain a financial data curve of the customer; determining a repayment capability evaluation value according to the financial data curve; determining overdue times according to the credit investigation data; judging whether the repayment capability evaluation value is greater than a repayment capability threshold value and whether the overdue frequency is smaller than an overdue threshold value; and if the repayment capability evaluation value is greater than a repayment capability threshold value and the overdue times are smaller than an overdue threshold value, re-staging the current loan amount of the customer. According to the method, re-stage repayment can be carried out according to conditions of different clients, and the applicability of the loan repayment method is improved.

Description

technical field [0001] The present invention relates to the field of financial technology, in particular, to a method, device, equipment and storage medium for supporting loan refinancing. Background technique [0002] At present, most of the various loan products in the financial market support installment repayment. While reducing the pressure on customers to repay loans, they can increase their own income by charging installment fees or increasing interest rates. If the customer fails to repay the loan after the installment, the loan will be transferred to overdue, which may affect the customer's credit investigation. [0003] Some customers who have the ability to repay their own loans may find it difficult to repay the current loan due to special circumstances such as job changes and emergencies. There are also some customers who do not have the repayment ability themselves, and cannot repay the current loan by themselves. If according to the existing installment repa...

AI Technical Summary

Problems solved by technology

If the customer fails to repay the installment after the due date, the loan will be transferred to overdue, which may affect the customer's credit investigation

[0003] Due to special circumstances such as job changes and emergencies, some customers who have the ability to repay the loan may find it difficult to repay the loan in the current period

There are also some customers who do not have the repayment ability themselves, and cannot repay the current loan by themselves.

If according to the existing installment repayment method, it is impossible to distinguish between the two types of customers, it is also impossible to provide corresponding repayment methods for customers who have the repayment ability, and the applicability is poor

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