Risk control method, system and device for credit loan and storage medium
A risk control and credit technology, applied in data processing applications, instruments, finance, etc., can solve the problems of credit loans that cannot guarantee users' timely repayment, overdue loans and bad debts, and endangering other people's property, so as to protect the safety of users' property and reduce Forget the repayment and avoid the effect of credit reduction
Pending Publication Date: 2021-09-17
UNIV OF SCI & TECH OF CHINA
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[0003] After retrieval, Chinese Patent No. CN109190917A discloses a credit loan risk control method and system. Although this invention avoids the occurrence of overdue loans and bad debts, it cannot judge whether the user is borrowing for himself, and it is easy to cause others to use the user's certificate. Applying for a loan will endanger the property of others; in addition, the existing credit loan risk control methods and systems cannot guarantee that users can repay the loan on time, which will easily lead to the occurrence of overdue loans and bad debts
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[0030] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0031] First, the terms that may be used in this article are explained as follows:
[0032] The terms "comprising", "comprising", "containing", "having" or other descriptions with similar meanings shall be construed as non-exclusive inclusions. For example: including certain technical feature elements (such as raw materials, components, ingredients, carriers, dosage forms, materials, dimensions, parts, components, mechanisms, devices, steps, proced...
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The invention discloses a risk control method, system and device for credit loan and a storage medium. According to the scheme, identity secondary verification is carried out when a user loan application is analyzed, it is ensured that a user loans, other people are prevented from loan by using a user certificate, the property safety of the user is protected, and the safety of the method, the system, the device and the storage medium is improved. In addition, the user can be prompted to repay in time after successful loan, so that the situation that the user forgets to repay is effectively reduced, and various losses caused by credit reduction of the user can be avoided.
Description
technical field [0001] The present invention relates to the technical field of risk control management, in particular to a risk control method, system, equipment and storage medium for credit loans. Background technique [0002] Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and conditions such as repayment. Loans in a broad sense refer to the general term for loan funds such as loans, discounts, and overdrafts. Currency and monetary funds can be used to meet the needs of society to expand reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. In China, paid use of loans is also used. The principle is to promote the improvement of business management of enterprises, and to use bank credit as an important way of allocating funds, as well as an important economic lever for reg...
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Login to View More IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/06311G06Q10/0635G06Q40/03
Inventor 邢春妮张瑞稳
Owner UNIV OF SCI & TECH OF CHINA