Vehicle transaction financial processing method and device, equipment, storage medium and product
A processing method and vehicle technology, applied in the field of financial information services, can solve the problems of long vehicle transaction financial processing cycle, poor user experience, and high management costs, so as to reduce the issuance of non-performing loans, reduce processing costs, and improve efficiency.
Pending Publication Date: 2022-01-04
CCB FINTECH CO LTD
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Problems solved by technology
[0005] In view of the above-mentioned problems in the prior art, the purpose of this article is to provide a vehicle transaction financial processing method, device, equipment, storage medium and product to solve the problem of long vehicle transaction financial processing cycle, low efficiency, and high management cost in the prior art. , and poor user experience
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[0108] The technical solutions in the embodiments herein will be clearly and completely described below with reference to the accompanying drawings in the embodiments herein. Obviously, the described embodiments are only a part of the embodiments herein, rather than all the embodiments. Based on the embodiments herein, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the scope of protection herein.
[0109] It should be noted that the terms "first", "second" and the like in the description and claims herein and the above drawings are used to distinguish similar objects, and are not necessarily used to describe a specific sequence or sequence. It is to be understood that data so used may be interchanged under appropriate circumstances such that the embodiments herein described can be practiced in sequences other than those illustrated or described herein. Furthermore, the terms "comprising" and "having", and any v...
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The invention provides a vehicle transaction financial processing method and device, equipment, a storage medium and a product, and the method comprises the steps: receiving a vehicle transaction loan request sent by a dealer instead of a user, with the vehicle transaction loan request comprising dealer information, user identity information and vehicle information; according to the dealer information, checking whether the dealer meets a preset access condition; when the dealer satisfies the access condition, receiving user credit investigation authorization information from a mobile terminal corresponding to the user identity information to check whether the user satisfies the loan condition; and when the user meets the loan condition, generating a loan contract according to the vehicle transaction loan request and sending the loan contract to the mobile terminal, so that the user completes online loan contract signing through the mobile terminal. According to the method provided by the invention, the business handling cost and error rate can be reduced, the business handling efficiency and convenience are improved, and the user experience is improved; and the qualification of the dealer is audited, so that the auditing is more comprehensive and strict, and the issuing of bad loans is reduced.
Description
technical field [0001] The present invention relates to the technical field of financial information services, in particular to a vehicle transaction financial processing method, device, equipment, storage medium and product. Background technique [0002] With the rapid development of my country's economy and society, people's income has increased significantly, and the consumer market has become active. Among them, vehicle-related consumption is also increasing. [0003] my country's auto financial market has great potential, but the financial processing method of auto transactions is relatively traditional: offline manual processing is generally adopted. Auto dealers acquire customers, conduct customer screening and risk approval; After passing the double approval of the dealer and the capital, the customer pays the car down payment to the car dealer, and signs the auto transaction contract and the loan contract with the dealer and the capital respectively. In addition, ...
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IPC IPC(8): G06Q40/02G06Q40/04
CPCG06Q40/04G06Q40/03
Inventor 林泽森曾欣刘侃曹爽
Owner CCB FINTECH CO LTD