Unlock instant, AI-driven research and patent intelligence for your innovation.

Credit qualification examination method and system

A review system and credit technology, applied in data processing applications, finance, instruments, etc., can solve problems such as inability to evaluate credit qualifications in multiple dimensions, and achieve the effects of reducing credit business risks, improving accuracy, and improving intelligence

Inactive Publication Date: 2022-04-22
阿尔法时刻科技(深圳)有限公司
View PDF3 Cites 1 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The purpose of this application is to provide a credit qualification review method and system to solve the technical problem in the prior art that it is impossible to intelligently evaluate the user's credit qualification in multiple dimensions

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Credit qualification examination method and system
  • Credit qualification examination method and system
  • Credit qualification examination method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0035] Please refer to the attached figure 1 , the embodiment of the present application provides a credit qualification review method, wherein the method is applied to a credit qualification review system, and the method specifically includes the following steps:

[0036] Step S100: Obtain the first loan user information of the first loan user, wherein the first loan user information includes the first income information, first expenditure information, and first fixed asset information of the first loan user;

[0037] Specifically, the credit qualification examination method is applied to the credit qualification examination system, which can intelligently evaluate the corresponding repayment ability based on the actual economic situation of the credit user, and at the same time, based on the actual trustworthiness of the credit user, Intelligent evaluation corresponds to the credit degree, and finally combined with personal credit investigation, a comprehensive evaluation of...

Embodiment 2

[0113] Based on the same inventive concept as the credit qualification examination method in the foregoing embodiment, the present invention also provides a credit qualification examination system, please refer to the attached Figure 5 , the system includes:

[0114] The first obtaining unit 11, the first obtaining unit 11 is used to obtain the first loan user information of the first loan user, wherein the first loan user information includes the first income information, the first loan user information of the first loan user 1. Expenditure information, 1st fixed asset information;

[0115] A first construction unit 12, the first construction unit 12 is used to construct a repayment ability evaluation model;

[0116] A second obtaining unit 13, the second obtaining unit 13 is configured to input the first income information, the first expenditure information and the first fixed asset information into the repayment ability evaluation model to obtain a first output Result, w...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention discloses a credit qualification examination method and system, and the method comprises the steps: obtaining the first loan user information of a first loan user, and enabling the first loan user information to comprise the first income information, the first expenditure information and the first fixed asset information of the first loan user; constructing a repayment capability evaluation model; obtaining a first output result based on a repayment capability evaluation model; according to the first loan user, first historical credit information is obtained, and the first historical credit information comprises a first credit frequency, a first credit line and a first repayment condition of the first loan user; training a credit support vector machine; obtaining a second output result based on a credit support vector machine; obtaining a first individual credit; and performing weighted calculation through an entropy method to obtain a first credit qualification review result. The technical problem that the credit qualification of the user cannot be intelligently evaluated in multiple dimensions in the prior art is solved.

Description

technical field [0001] This application relates to the field of artificial intelligence, in particular to a credit qualification review method and system. Background technique [0002] Credit business is the most important asset business of commercial banks and other industry-related enterprises. They recover principal and interest through lending, and earn profits after deducting costs. Therefore, credit is the main means of profit for commercial banks. A loan needs to go through layers of inspection and evaluation from acceptance, investigation, review, approval, issuance, and management. Every link is closely related and interlocking. In recent years, with the deepening of inclusive finance, private credit business has developed rapidly. Before the credit loan, the relevant qualification review of credit users is carried out first. Only when the qualification is met can the corresponding credit loan be obtained, thereby ensuring the safety of bank funds and the feasibili...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q40/02G06K9/62
CPCG06Q40/03G06F18/2411
Inventor 袁瑞
Owner 阿尔法时刻科技(深圳)有限公司