Bank loan information processing method and device
An information processing method and syndicated technology, applied in the field of information processing methods and devices for syndicated loans, can solve the problems of low information transparency, poor sharing, and low efficiency of organization
Pending Publication Date: 2021-10-19
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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[0003] In the process of realizing the technical solution of the present disclosure, the inventor found that in related technologies, the syndicated loan formation is usually drafted by the lead bank, and the participating banks are collected point-to-point in the market and paid a premium, and confirmed by organizing multiple rounds of syndicated formation meetings The syndicated loan scheme, which has the disadvantages of low efficiency, low information transparency, and poor sharing
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[0033] Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. It should be understood, however, that these descriptions are illustrative only and are not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Also, in the following description, descriptions of well-known structures and techniques are omitted to avoid unnecessarily obscuring the concept of the present disclosure.
[0034] The terminology used herein is for the purpose of describing particular embodiments only, and is not intended to be limiting of the present disclosure. The terms "comprising", "comprising", etc. used herein indicate the presence of features, opera...
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The invention provides a bank loan information processing method, which is applied to an intelligent raising platform constructed based on a block chain network, and comprises the following steps: in response to received financing demand information of a loan requester, generating a loan application account book based on the financing demand information; in response to received loan participation application information of at least one loan participation intention party, determining at least one target loan participation party matched with the loan requester based on the loan participation application information and the loan application account book; and according to the loan application account book and the loan participation application information of each target loan participation party, calling a preset smart contract to carry out a quota allocation operation for each target loan participation party so as to realize automatic raising of bank loan. The invention further provides a bank loan information processing device, electronic equipment and a computer storage medium.
Description
technical field [0001] The present disclosure relates to the technical field of financial services, in particular to a syndicated loan information processing method and device. Background technique [0002] A syndicated loan refers to two or more financial institutions providing domestic and foreign currency loans or other credit business to the borrower through an agent bank according to the agreed time and ratio in accordance with the loan agreement. Syndicated loan formation is an important link in the realization of syndicated loans. The efficiency of syndicated loan formation affects the efficiency of syndicated loans, and the information transparency and fairness of syndicated loan formation affect the quality of syndicated loans. [0003] In the process of realizing the technical solution of the present disclosure, the inventor found that in related technologies, the syndicated loan formation is usually drafted by the lead bank, and the participating banks are collect...
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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 张湘张杨花学周关舒
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA