Housing loan collection method and device, electronic equipment and storage medium

A housing loan and loan technology, applied in the housing loan collection method and device, electronic equipment, and storage media, can solve problems such as too many invalid delivery of SMS reminders, inefficient management, and customer complaints, so as to improve the intelligence of collection and increase assets Quality and the effect of improving collection efficiency

Pending Publication Date: 2022-07-22
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] There are three problems in the traditional collection model. First, the management is inefficient. In order to control the loan overdue rate, the credit department of the bank at the key assessment point "strictly guards against death", wandering and sinking in "human sea assault"; Customer complaints are often caused by delivery errors; third, grassroots employees have a heavy burden, and working overtime consumes a lot of energy for front-line personnel

Method used

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  • Housing loan collection method and device, electronic equipment and storage medium
  • Housing loan collection method and device, electronic equipment and storage medium
  • Housing loan collection method and device, electronic equipment and storage medium

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Embodiment Construction

[0040] In order to make the purposes, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments These are some embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0041] In this application, the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device comprising a list of elements includes not only those elements, but also no Other elements expressly listed, or which are also inherent to ...

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Abstract

The invention provides a housing loan collection method and apparatus, an electronic device and a storage medium. The method comprises the steps of obtaining housing loan customer information; judging whether the house loan customer information is overdue or not; if the house loan customer information is not overdue, pre-collection scoring is carried out according to the house loan customer information, and repayment reminding is carried out on customers with overdue risks; if the house loan customer information is overdue, carrying out overdue collection scoring according to the house loan customer information, and carrying out collection on overdue customers with default risks; in other words, the overdue high-risk clients are grabbed, and the pre-collection link is added. According to the method, characteristics of customers with poor repayment habits and frequent short-term overdue customers are identified from non-overdue customers, related repayment reminding is carried out when the customers have risks and are not overdue, the customers are prevented from being overdue, the collection pressure is relieved, the collection efficiency is improved, the retail business collection intelligence and refinement level is improved, and the commercial bank asset quality is improved.

Description

technical field [0001] The invention belongs to the technical field of loan management, and more specifically, relates to a housing loan collection method and device, electronic equipment and storage medium. Background technique [0002] After decades of development, personal loans have become an important loan business of commercial banks. The types of loans mainly include personal housing loans, personal automobile consumption loans, personal durable consumer goods loans, personal consumption loans and personal micro-credit loans. The balance and overdue amount of personal housing loans account for more than 90% and 80% of personal loans, respectively, and the growth rate of the amount, the proportion of the amount and the overdue amount are all large, which brings greater pressure to the asset quality of commercial banks. To reduce costs and increase efficiency in the collection process, while controlling complaints and reputational risks, has become the core requirement ...

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 陈楠李大伟林建贞倪昕琦邓艾兵尚妍薛颖李杰彬
Owner CHINA CONSTRUCTION BANK
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