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Loan transaction method and device

A transaction method and loan technology, applied in the financial field, can solve the problems of cumbersome transaction process, save transaction process, simplify the amount of information, and meet the effect of fast transaction

Pending Publication Date: 2022-02-11
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] In order to solve the problem of cumbersome transaction process in the prior art, the embodiment of this application provides a loan transaction method and device

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  • Loan transaction method and device

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Embodiment Construction

[0029] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiment of the application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiment of the application. Obviously, the described embodiment is only It is a part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0030] The title of the invention provided by the present invention can be used in the financial field or other fields, for example, it can be used in application scenarios such as interbank lending transactions in the financial field. The other fields are arbitrary fields other than the financial field. The foregoing are examples only, and do not limit the applic...

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Abstract

The embodiment of the invention discloses a loan transaction method and device, which can be applied to the financial field or other fields. A plurality of pieces of target element item information filled by a borrower are received, and the number of the target element item information is smaller than the number of all element item information, so that the number of information filled by the borrower can be simplified, the transaction process is omitted, then, a preset amount of loan is sent to the borrower, transaction information of the loan is recorded, the transaction information is input into a risk prediction model, a risk prediction value of the loan transaction is obtained, and when the risk prediction value is greater than a threshold value, the loan transaction is stopped, namely, the risk prediction model can be used for carrying out risk prediction on the loan transaction after the transaction process is simplified, the possible transaction risk after the transaction process is simplified is reduced, the transaction process can be simplified, the transaction period can be shortened, the requirement of rapid transaction can be met, and the risk of the loan transaction can be controlled.

Description

technical field [0001] The present application relates to the financial field, and in particular to a loan transaction method and device. Background technique [0002] With the rapid development of financial technology, lending transactions between banks are very common, and lending transactions between banks are an important part of the bank's corporate business. However, the current loan transactions between banks have the disadvantage of cumbersome transaction procedures, resulting in long loan transaction cycles, which cannot meet the needs of fast transactions. Contents of the invention [0003] In order to solve the problem of cumbersome transaction process in the prior art, the embodiment of the present application provides a loan transaction method and device. [0004] An embodiment of the present application provides a loan transaction method, the method comprising: [0005] Receive multiple target element item information filled in by the borrower, the number o...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q40/08
CPCG06Q40/08G06Q40/03
Inventor 申亚坤赵辉丁锐周慧婷谭莹坤陶威刘烨敏
Owner BANK OF CHINA
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