Loan limit approval method and device based on enterprise equipment
An enterprise and quota technology, applied in the loan quota approval method and device field based on enterprise equipment, can solve problems such as lack of digital risk control capabilities, risk identification, lack of early warning capabilities, and insufficient information technology system construction.
Pending Publication Date: 2022-03-22
深圳微众信用科技股份有限公司
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Problems solved by technology
The financing guarantee business must speed up the pace of digital construction. Facing the growing business scale, insufficient information technology system construction and lack of digital risk control capabilities will directly lead to the lack of risk identification and early warning capabilities, and the continuous accumulation of institutional business risks
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[0030] 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 creative efforts fall within the protection scope of this application.
[0031] The terms "first", "second" and the like in the specification and claims of the present application and the above drawings are used to distinguish different objects, rather than to describe a specific order. Furthermore, the terms "include" and "have", as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method...
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The embodiment of the invention discloses a loan limit approval method and device based on enterprise equipment, and the method comprises the steps: obtaining the equipment information of a target enterprise, and determining the risk degree value of the target enterprise according to the equipment information of the target enterprise; determining a first risk degree range to which the risk degree value belongs; determining a first tax payment level corresponding to the target enterprise according to the first risk degree range; tax information of the target enterprise in the first time period is acquired, and a second tax payment level corresponding to the target enterprise is determined according to the tax information; and determining the loan amount of the target enterprise according to the size relationship between the tax payment amount corresponding to the first tax payment level and the tax payment amount corresponding to the second tax payment level. According to the embodiment of the invention, the device information and the tax information are combined to accurately determine the loan amount of an enterprise containing a large number of devices, the accuracy of a loan guarantee service is improved, and the risk is reduced at the same time.
Description
technical field [0001] This application relates to the technical field of big data processing, in particular to a method and device for loan line approval based on enterprise equipment. Background technique [0002] With the continuous improvement of my country's economic level and the continuous development of various industries, the financing guarantee industry has played an increasingly important role in supporting the financing guarantee business of small and micro enterprises and "agriculture, rural areas and farmers". The digital transformation of financing guarantee institutions has promoted the industry's "three increases and one decrease", that is, it has enhanced risk prevention and control capabilities, increased customer coverage, improved service efficiency, and reduced operating costs. At the same time, it also makes industry organizations fully feel the inevitability, importance and urgency of digital transformation. The financing guarantee business must acce...
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Login to View More IPC IPC(8): G06Q10/10G06Q40/00G06Q40/02
CPCG06Q10/103G06Q40/10G06Q40/03
Inventor 许卫欧阳张鹏赵彦晖耿心伟曾源
Owner 深圳微众信用科技股份有限公司