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Third-party guaranteed loan online auditing method, system and equipment based on multi-source data and medium

A multi-source data and loan technology, applied in data processing applications, finance, instruments, etc., can solve problems such as inability to synchronously verify information, complicated approval processes, and wrong inspections, so as to speed up the review efficiency, shorten the review process, and reduce application costs. Effect

Pending Publication Date: 2022-05-20
天元大数据信用管理有限公司
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Problems solved by technology

The third-party guaranteed loan online review method based on multi-source data as an example in the embodiment of this specification is used to solve the following technical problems in the prior art: the loan application is manually reviewed, the approval process is complicated, the efficiency is low, and the information between institutions cannot be synchronized Verification, the cost of information verification is high, and it is prone to information omission and wrong detection

Method used

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  • Third-party guaranteed loan online auditing method, system and equipment based on multi-source data and medium
  • Third-party guaranteed loan online auditing method, system and equipment based on multi-source data and medium

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Embodiment Construction

[0064] In order to make the purpose, technical solution and advantages of this specification clearer, the technical solution of this application will be clearly and completely described below in conjunction with specific embodiments of this specification and corresponding drawings. Apparently, the described embodiments are only some of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the description, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts fall within the protection scope of the present application.

[0065] First, the technical concept of the technical solutions disclosed in this specification will be described. At present, the application for government-guaranteed loans adopts an offline business processing model. The applicant or the applicant company needs to provide a lot of application materials to the bank. advanced questions. At the same time, financ...

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Abstract

The invention discloses a third-party guaranteed loan online auditing method, system and device based on multi-source data and a medium. The method comprises the steps of obtaining a loan application and third-party information query authorization; sending the third-party information query authorization to a plurality of third-party main body ends, and obtaining feedback information fed back by each third-party main body end; performing multi-source data processing on the multiple pieces of feedback information to obtain comparison information; comparing the application subject information with the comparison information to obtain a comparison result, and if the application subject information is consistent with the comparison information, sending the loan application to a loan auditing subject end; and obtaining a loan auditing result fed back by the loan auditing main body end, and if the application condition information accords with a third-party guaranteed loan condition, performing loan by the loan auditing main body. According to the method, the application subject information is automatically verified by adopting a big data technology, and the result is synchronized to the loan auditing end, so that the problem of auditing vulnerabilities caused by the fact that the information cannot be mutually verified is solved, and the auditing accuracy and efficiency are improved.

Description

technical field [0001] This application relates to the technical field of online service systems, and in particular to an online review method, system, equipment and medium for third-party guaranteed loans based on multi-source data. Background technique [0002] Government-guaranteed loans refer to the loans that the government entrusts commercial banks to issue with subsidized interest provided by the government's financial department in order to encourage and support certain groups of people to start their own businesses or upgrade their industries, in order to solve the problem of insufficient liquidity in the business process of entrepreneurs. [0003] At present, the application for government-guaranteed loans adopts the offline business processing mode. The applicant or the applicant enterprise needs to provide a lot of information to the bank, including the original or photocopies of the business license, employment and entrepreneurship certificate, marriage certifica...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q30/00
CPCG06Q30/0185G06Q40/03
Inventor 汪文顺张帆崔乐乐
Owner 天元大数据信用管理有限公司
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