Credit granting query and diagnosis loan assisting system

A query system and credit investigation technology, which is applied in the field of credit inquiry and loan assistance system, can solve problems such as incorrect filling of personal information, the amount of credit not reaching the required amount, and delays in user time, etc., to achieve the improvement of personal information. Effect

Pending Publication Date: 2022-05-13
上海数新信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] When users need loans, they usually submit credit approval materials directly to banks or financial institutions for loans. Most banks or financial institutions do not have pre-examination procedures. Unable to pass the bank's approval, or the amount of credit does not reach the required amount, thus wasting the user's time in vain, and has not yet achieved the purpose of the loan

Method used

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  • Credit granting query and diagnosis loan assisting system
  • Credit granting query and diagnosis loan assisting system
  • Credit granting query and diagnosis loan assisting system

Examples

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Effect test

Embodiment 1

[0022] see figure 1 , the credit inquiry and diagnosis loan assistance system according to the embodiment of the present invention includes an account login module, the account login module can provide account registration, account login and password retrieval functions for customers, and the account login module is connected to the credit inquiry system and a credit inquiry system, the credit inquiry system is used to analyze the user's specific credit situation according to the materials provided by the user, the credit inquiry system is used to obtain the user's credit report according to the user's authorization, the credit inquiry system and The credit inquiry system is connected with a risk control review module, and the risk control review module is used to receive the credit inquiry results and the credit inquiry results, and use the risk assessment model to quantitatively set the assessment criteria, and evaluate the loan amount of the loan user and the corresponding ...

Embodiment 2

[0028] see Figure 2-3 , the credit inquiry and diagnosis loan assistance system according to the embodiment of the present invention includes an account login module, the account login module can provide account registration, account login and password retrieval functions for customers, and the account login module is connected to the credit inquiry system and a credit inquiry system, the credit inquiry system is used to analyze the user's specific credit situation according to the materials provided by the user, the credit inquiry system is used to obtain the user's credit report according to the user's authorization, the credit inquiry system and The credit inquiry system is connected with a risk control review module, and the risk control review module is used to receive the credit inquiry results and the credit inquiry results, and use the risk assessment model to quantitatively set the assessment criteria, and evaluate the loan amount of the loan user and the correspondin...

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Abstract

The invention discloses a credit granting query and diagnosis loan assisting system which comprises an account login module, the account login module can provide account registration, account login and password retrieval functions for clients, and the account login module is connected with a credit granting query system and a credit investigation query system. The credit granting query system is used for analyzing the specific credit granting condition of the user according to the material provided by the user, and the credit investigation query system is used for obtaining the credit investigation report of the user according to the authorization of the user. Therefore, materials of the client can be pre-reviewed before loan, whether the client can successfully pass loan approval or not is judged, and the maximum amount of loan can be improved by optimizing personal information of the client.

Description

technical field [0001] The invention relates to the technical field of loan pre-examination diagnosis, in particular to a credit inquiry and loan assistance system for diagnosis. Background technique [0002] The simple and popular understanding of loan (electronic IOU credit loan) is to borrow money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. The bank releases the concentrated currency and currency funds through loans, which can meet the needs of the society to expand reproduction for supplementary funds and promote economic development. At the same time, the bank can also obtain loan interest income and increase the bank's own accumulation. [0003] When users need loans, they usually submit credit approval materials directly t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/06311G06Q10/0635G06Q40/03
Inventor 王孜
Owner 上海数新信息科技有限公司
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