Loan data processing method and device, electronic equipment and storage medium

A data processing and loan request technology, applied in data processing applications, digital data processing, special data processing applications, etc., can solve the problems of narrow data sources, single data, and low reliability of credit calculation data, so as to improve accuracy , meet the loan demand, and avoid the effect of lower reliability

Pending Publication Date: 2022-03-15
CHINA CONSTRUCTION BANK
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Problems solved by technology

[0003] In view of this, the embodiments of the present invention provide a loan data processing method, device, electronic equipment, and storage medium, which can solve the problem of single agricultural-related data and narrow data sources in various places, resulting in low reliability of credit calculation data

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  • Loan data processing method and device, electronic equipment and storage medium
  • Loan data processing method and device, electronic equipment and storage medium
  • Loan data processing method and device, electronic equipment and storage medium

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Embodiment Construction

[0056] Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

[0057] It should be noted that, in the case of no conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other. The acquisition, storage, use, and processing of data in the technical solution of this application all comply with the relevant provisions of national laws and regulations.

[0058] An embodiment of the ...

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Abstract

The invention discloses a loan data processing method and device, electronic equipment and a storage medium, and relates to the technical field of big data analysis and mining. A specific embodiment of the method comprises the steps of receiving a loan request of a user, and obtaining a user identifier in the loan request to collect agricultural asset parameters and historical insurance parameters of the user; calling a first credit line calculation model, calculating a first credit line based on the agricultural asset parameters of the user, and calling a second credit line calculation model, and calculating a second credit line based on the historical insurance parameters; and fusing the first credit line and the second credit line to obtain a credit line corresponding to the user, and executing a loan program based on the credit line. According to the embodiment, the problem that the reliability of credit measurement and calculation data is relatively low due to single agricultural related data and narrow data sources in various regions can be solved.

Description

technical field [0001] The invention relates to the technical field of big data analysis and mining, in particular to a loan data processing method, device, electronic equipment and storage medium. Background technique [0002] With the development of Internet finance, the online loan model has gradually become a trend, and many online loan products have been derived from it. Agricultural loans have also become the needs of agricultural development. In the existing technology, agricultural loans are usually calculated based on the agricultural planting or breeding data of farmers in the local government to handle the loan business. However, due to the single agricultural-related data and narrow data sources in various places, the reliability of the credit calculation data is low. , unable to achieve accurate assessment of farmers' loans and calculation of grants, which in turn leads to failure to meet farmers' needs for loan services. Contents of the invention [0003] In...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q50/02G06F16/2458
CPCG06Q50/02G06F16/2465G06Q40/03
Inventor 黄超王伟曾欣
Owner CHINA CONSTRUCTION BANK
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