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Method and device for determining loan amount, equipment, product and readable storage medium

A quota and target technology, applied in the field of smart finance, can solve the problems of high loan default rate of retail customers, high risk of bank loans, and low accuracy of loan quota, and achieve the effect of reducing loan risk, optimizing accuracy, and reducing default rate.

Pending Publication Date: 2022-06-28
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] However, the current retail customer loan limit calculation method isolates individuals and only considers individual conditions. The accuracy of the loan limit determined by this method is low, resulting in greater loan risk for banks and higher loan default rates for retail customers.

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  • Method and device for determining loan amount, equipment, product and readable storage medium
  • Method and device for determining loan amount, equipment, product and readable storage medium
  • Method and device for determining loan amount, equipment, product and readable storage medium

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Embodiment Construction

[0027] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application more clear, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, but not to limit the present application. It will be apparent to those skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely to provide a better understanding of the present application by illustrating examples of the present application.

[0028] It should be noted that the acquisition, storage, use, and processing of data in the embodiments of the present application all comply with the r...

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Abstract

The embodiment of the invention provides a method and device for determining a loan amount, equipment, a product and a readable storage medium, and relates to the technical field of smart finance, and the method comprises the steps: obtaining the personal information and social relation information of a target retail customer; according to the social relation information, determining a social relation network future value of the target retail customer; and determining the loan amount of the target retail customer according to the personal information and the future value of the social relation network. According to the embodiment of the invention, the accuracy of calculating the loan amount can be improved, the loan risk of a bank is reduced, and the loan default rate of retail customers is reduced.

Description

technical field [0001] The present application belongs to the field of smart financial technology, and in particular relates to a method and device, equipment, product and readable storage medium for determining a loan amount. Background technique [0002] Credit is a lending behavior between different owners that reflects a certain economic relationship. It is a special form of value movement conditioned on repayment. It is a credit activity in which the creditor lends money and the debtor repays on schedule and pays a certain interest. Before the bank approves the credit, it needs to judge the customer's repayment ability in advance, so as to avoid the loan from being irrecoverable. [0003] However, the current method of calculating the loan limit of retail customers isolates the individual and only considers the conditions of the individual. The accuracy of the loan limit determined by this method is low, resulting in a higher loan risk for banks and a higher loan defaul...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q40/02
CPCG06Q20/403G06Q40/03
Inventor 陈必得
Owner CHINA CONSTRUCTION BANK
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