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Method, device and equipment for estimating value of prison product and computer readable storage medium

A collateral and valuation technology, applied in the field of financial analysis, can solve the problems of financial institutions such as high lending risk, inability to guarantee the accuracy and timeliness of collateral valuation, to ensure timeliness, improve accuracy, and reduce lending risk Effect

Pending Publication Date: 2022-04-19
CHINA CONSTRUCTION BANK
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Problems solved by technology

In this way, the existing manual processing methods cannot guarantee the accuracy and timeliness of collateral valuation, making financial institutions need to bear higher lending risks

Method used

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  • Method, device and equipment for estimating value of prison product and computer readable storage medium
  • Method, device and equipment for estimating value of prison product and computer readable storage medium
  • Method, device and equipment for estimating value of prison product and computer readable storage medium

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Embodiment Construction

[0076] The characteristics and exemplary embodiments of various aspects of the application will be described in detail below. In order to make the purpose, technical solution and advantages of the application clearer, the application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described here are only intended to explain the present application rather than limit the present application. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by showing examples of the present application.

[0077] It should be noted that in this article, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and d...

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Abstract

The invention discloses a prison product valuation method, device and equipment and a computer readable storage medium. The value estimation method for the prisoned product comprises the steps that a target prisoned product type corresponding to a target prisoned product to be estimated is determined, and different prisoned product types correspond to value estimation strategies of different data updating frequencies; according to a value estimation strategy corresponding to the target detained product type, performing detained product value estimation on the target detained product to obtain a detained product value corresponding to the target detained product; and performing mortgage value estimation on the target mortgage according to the mortgage value to obtain a mortgage value corresponding to the target mortgage. According to the embodiment of the invention, the accuracy and timeliness of the value estimation of the prisoner can be improved, and the lending risk of a financial institution is reduced.

Description

technical field [0001] The application belongs to the technical field of financial analysis, and in particular relates to a collateral valuation method, device, equipment and computer-readable storage medium. Background technique [0002] In order to reduce loan risks, financial institutions usually need to evaluate the collateral of customers in order to formulate a more reasonable loan amount. [0003] The existing collateral valuation method mainly relies on the person in charge of each collateral product to enter the corresponding collateral value manually. In this way, the existing manual processing method cannot guarantee the accuracy and timeliness of collateral valuation, making financial institutions need to bear higher lending risks. Contents of the invention [0004] Embodiments of the present application provide a collateral valuation method, device, equipment, and computer-readable storage medium, which can improve the accuracy and timeliness of collateral va...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q30/02G06F16/23
CPCG06Q30/0278G06F16/23G06Q40/03
Inventor 邱诚黄冬梅温锴明
Owner CHINA CONSTRUCTION BANK
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