Loan assessment method and device, computer equipment and storage medium

Abstract

The invention relates to a loan evaluation method and device, computer equipment, a storage medium and a computer program product, and is applied to a loan evaluation server, the method comprises the following steps: obtaining a plurality of initial auditing indexes of an enterprise user and index data corresponding to each auditing index in the plurality of initial auditing indexes; screening the plurality of initial auditing indexes according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes to obtain a plurality of target auditing indexes; and determining whether the enterprise user meets a loan requirement or not according to the index data corresponding to the plurality of target auditing indexes. According to the loan assessment method provided by the invention, the problems that the loan application passing rate of the small and micro enterprise users is relatively low and the applied loan amount is relatively low due to the fact that the loan institution assesses the loan qualification of all the small and micro enterprise users through a one-time credit granting admission standard can be avoided.

Description

technical field [0001] This application relates to the technical field of big data analysis, in particular to a loan evaluation method, device, computer equipment, storage medium and computer program product. Background technique [0002] Small and micro enterprises are the basic cells of the national economy. Small and micro enterprises are active, employment is prosperous, and the economy is prosperous. In order to strengthen support for small and medium-sized enterprises, support enterprise innovation, and cultivate a group of "transformed fine and special new" small and medium-sized enterprises. The micro-credit business that provides small and micro enterprises for short-term production and operation turnover has emerged as the times require. [0003] The traditional small and micro credit model is usually based on credit rating indicators such as personal credit, corporate credit, and score cards as a one-size-fits-all credit access standard, and provides customers wi...

AI Technical Summary

Problems solved by technology

It can avoid the one-size-fits-all credit access standards adopted by credit institutions to evaluate the loan qualifications of all small and micro enterprise users, resulting in the low loan application approval rate of small and micro enterprise users and the low loan amount applied for

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