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Bank intelligent guarantee method, device and equipment

A banking and intelligent technology, applied in the computer field, can solve problems such as high credibility, low loan interest rates, and chaos in private lending, so as to improve user experience and ensure security.

Pending Publication Date: 2022-02-01
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, due to the limited amount of bank loans, most private borrowings cannot be handled, so private lending is frequently chaotic and lacks a unified standard. In fact, most lenders still hope to borrow from banks. This is because banks have high credibility and low loan interest rates. ;The lender also hopes to borrow the money through the bank, because he is worried that the debtor will not be able to get back the principal, but the bank is currently unable to support private lending

Method used

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  • Bank intelligent guarantee method, device and equipment
  • Bank intelligent guarantee method, device and equipment

Examples

Experimental program
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Effect test

no. 1 example

[0039] see figure 1 , which is a schematic flow chart of a bank intelligent guarantee method provided in this embodiment, the method includes the following steps:

[0040] S101: The bank's intelligent guarantee system obtains the lending information of the target lending user; and reviews the lending information of the target lending user.

[0041]In this embodiment, any private user who lends money by using this embodiment is defined as a target lending user, and any private user who uses this embodiment to make a loan is defined as a target loan user. Moreover, it should be noted that, in order to ensure the safety of private lending and improve user experience, this application pre-establishes a bank intelligent guarantee system, so that when the target lending user has a private lending demand, the target lending user can Loan lending registration is carried out through the guarantee module of mobile banking or small programs, and the target lending user's own lending inf...

no. 2 example

[0058] This embodiment will introduce an intelligent guarantee device for a bank. For related content, please refer to the above method embodiment.

[0059] see figure 2 , which is a schematic diagram of the composition of a bank intelligent guarantee device provided in this embodiment. The device is applied to a bank intelligent guarantee system, and specifically includes:

[0060] The first acquiring unit 201 is configured to acquire the lending information of the target lending user; and review the lending information of the target lending user;

[0061] The first screening unit 202 is configured to actively screen out target loan users who meet the requirements of the target lending user according to the loan information when the lending information has passed the review; and pass the loan information through a preset method, push to the target loan user;

[0062] The saving unit 203 is configured to receive the discussion information between the target lending user and...

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Abstract

The invention discloses a bank intelligent guarantee method, a bank intelligent guarantee device and bank intelligent guarantee equipment, which can be applied to the field of mobile internet and the field of finance, a guarantee platform can be provided for private loan by utilizing a pre-constructed bank intelligent guarantee system, and the security of private loan is ensured. The method comprises the steps of: firstly acquiring lending information of a target lending user by a bank intelligent guarantee system; when the verification is passed, according to the lending information, actively screening out a target loan user meeting the requirement of a target lending user; pushing the lending information to the target loan user through a preset mode, then, receiving discussion information of the target lending user and the target loan user in the lending process, recording the lending information input by the two parties after the two parties conform, and storing the discussion information and the lending information; and after the borrowing and lending information is approved manually, indicating the target lending user and the target loan user to confirm, thus realizing the guarantee function of the bank intelligent guarantee system.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a bank intelligent guarantee method, device and equipment. Background technique [0002] Private finance has a long history and is an important part of the financial system and an important supplement to financial institutions. To a certain extent, it alleviates the financing difficulties of small and medium-sized enterprises and promotes the development of the rural economy. [0003] However, due to the limited amount of bank loans, most private borrowings cannot be handled, so private lending is frequently chaotic and lacks a unified standard. In fact, most lenders still hope to borrow from banks. This is because banks have high credibility and low loan interest rates. The lender also hopes to borrow the money through the bank, because he is worried that the debtor will not be able to recover the principal, but the bank is currently unable to support private lending...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/9535
CPCG06F16/9535G06Q40/03
Inventor 胡路苹
Owner BANK OF CHINA