Loan request processing method and device, terminal and storage medium

Abstract

The invention discloses a loan request processing method and device, a terminal and a storage medium. The method comprises the following steps: determining a highest credit line according to preset business basic information; receiving a loan request from a loan requester, determining a corresponding allowed credit line according to the basic information of the loan requester, further determining a single business credit line, and judging whether the single business credit line is higher than the highest credit line; and if not, obtaining loan service data in multiple credit platforms, the loan service data including platform credit granting, judging whether a single service credit granting limit is higher than the platform credit granting limit, and if not, displaying the loan service data. According to the scheme, the user information and the third-party data are collected in real time, so that the business processing party can master the basic information of the user more efficiently and accurately, the user is analyzed from multiple dimensions, accurate marking of the user is achieved, and the loan request processing efficiency is improved.

Description

technical field [0001] The invention discloses a loan request processing scheme, in particular a loan request processing method, device, terminal and storage medium based on user portrait analysis technology, and relates to the field of computer information technology. Background technique [0002] Consumer loans refer to loans used to pay for various consumer goods purchased by consumers. With the continuous development of my country's economy and the continuous changes in residents' consumption concepts in recent years, my country's residents' consumption patterns have begun to diversify, and more and more of consumers will choose consumer loans for payment in the process of consumption. [0003] Under the existing technical conditions, when a consumer (user) is applying for a consumer loan, the credit institution will review the consumer's (user's) user information (for example, to confirm whether the user has the ability to repay, or to determine whether the user is a Bl...

AI Technical Summary

Problems solved by technology

[0005] Secondly, although the current loan service products on some credit platforms use user portrait analysis technology, they are still purpose-oriented in the process of product design and layout, ignoring the actual needs of the users they serve, and the products lack corresponding application scenarios. User portraits, it is difficult to achieve effective and accurate evaluation

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