Method and device for acquiring pledge credit line for rural collective economic organization

Abstract

The invention provides a pledge credit line acquisition method and device for a rural collective economic organization. According to the technical scheme, the method comprises the steps of obtaining access score card information and land receivable account information of a rural collective economic organization applying for loan; in response to the received legal person authorization information of the rural collective economic organization, determining the admission score of the rural collective economic organization according to the admission score card information; and in response to the condition that the admission score exceeds a preset threshold value, according to the land receivable account information, obtaining present values of receivable rents within different deadlines, and according to the present values of receivable rents within different deadlines and weights thereof, determining a credit line of the rural collective economic organization. According to the method, the land receivable account is taken as a credit extension source, so that the credit extension line calculation accuracy can be improved, and the problem of difficulty in loan organization of rural integrated economy can be solved.

Description

technical field [0001] The present disclosure relates to the technical field of big data analysis, and in particular to a method and device for obtaining a pledge credit line for rural collective economic organizations. Background technique [0002] In recent years, the country has vigorously promoted the strategy of rural revitalization and introduced many preferential policies for agricultural enterprises and rural collective economic organizations. However, there is currently no special enterprise type of loan for rural collective economic organizations in the market, and the current loan for agriculture-related enterprises still uses land mortgages as the source of credit. Therefore, due to their small scale, rural collective economic organizations face a single source of reliable credit, and cannot accurately obtain pledge credit lines, which leads to difficulties in obtaining loans. Contents of the invention [0003] The present disclosure provides a method and devi...

AI Technical Summary

Problems solved by technology

However, there is currently no special enterprise type of loan for rural collective economic organizations in the market, and the current loan for agriculture-related enterprises still uses land mortgages as the source of credit

Therefore, due to the small scale of rural collective economic organizations, they are faced with a single source of reliable credit, and cannot accurately obtain the pledge credit line, which makes it difficult to obtain loans.

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