Loan business application method and device, electronic equipment and storage medium

Abstract

The invention discloses a loan service application method and device, electronic equipment and a storage medium, and relates to the technical field of internet finance, and the method comprises the steps: obtaining a unified social credit code and contact information of an enterprise, and transmitting a registration request to a server to complete account registration; logging in a server based on the registered account information; guiding the user to sequentially complete tax information authorization and electronic signing of a credit investigation authorization file; using the server to generate and return a loan amount to the client based on an authorization success result; guiding a user to input loan information by using a client, and completing electronic signing of a loan contract and a guarantee contract; and performing signing processing on the successfully signed loan contract and guarantee contract by using the server, and executing loan expenditure in response to an expenditure instruction of the user. According to the invention, through registration, quota calculation and signing of the loan application, the technical problems of flow splitting, tedious operation, low efficiency and incoherent experience of the existing online loan business can be effectively solved.

Description

Technical Field

[0001] This application relates to the field of internet finance technology, and in particular to a loan application method, apparatus, electronic device and storage medium. Background Technology

[0002] With the development of fintech, bank loan services are gradually shifting from offline to online to improve efficiency. Existing online loan application processes typically involve multiple independent stages and systems. For example, when calculating a loan amount, customers often need to authorize data on a tax platform, sign authorization documents on a credit reporting platform, and finally return to the bank platform to obtain the loan amount. During the disbursement stage, they need to repeatedly fill out information, sign contracts, and may need to coordinate offline or online resolutions with multiple shareholders. These fragmented processes not only require customers to repeatedly switch between different platforms and undergo multiple identity verifications, making the process cumbersome, but also make it difficult to resume after interruptions, resulting in a poor user experience. Furthermore, the inconsistent status management of key stages such as loan amount generation, authorization status, and contract signing can easily lead to process failures or customers abandoning the process midway, indicating that overall business processing efficiency needs improvement. Summary of the Invention

[0003] The main objective of this application is to provide a loan application method, apparatus, electronic device, and storage medium to improve the efficiency of loan applications and user experience.

[0004] To achieve the above objectives, one aspect of this application proposes a loan application method, which includes the following steps: In response to a user's registration operation on the client, the system obtains the enterprise's unified social credit code and contact information, and sends a registration request to the server to complete account registration; in response to a login operation, the system logs into the server based on the registered account information. In response to a user's credit limit request on the client, the user is guided to complete the electronic signing of tax information authorization and credit authorization documents in sequence; based on the successful authorization result, the server generates and returns the loan limit to the client; In response to a user's loan disbursement operation within the validity period of the loan limit, the client guides the user to enter loan information and complete the electronic signing of the loan agreement and guarantee agreement; the server processes the successfully signed loan agreement and guarantee agreement, and executes the loan disbursement in response to the user's disbursement instruction.

[0005] In some embodiments, the tax information authorization is signed through the following steps: In response to a user's credit limit assessment request on the client, the user is guided to the tax authority's authorization interface to complete the authorization of the tax information and the electronic signing of the credit authorization document, and the authorization of the tax information has a preset first validity period.

[0006] In some embodiments, the credit authorization document is signed through the following steps: In response to a user's credit limit assessment request on the client, the service of a third-party electronic signature platform is invoked to complete the electronic signing of the credit authorization document, and the credit authorization document has a preset second validity period after successful signing; wherein, the credit authorization document includes a personal credit authorization agreement and a corporate credit authorization agreement.

[0007] In some embodiments, the method further includes the following steps: In response to a user's request for a credit limit increase, the client application displays a prompt to contact bank staff.

[0008] In some embodiments, before guiding the user to enter loan disbursement information and complete the electronic signing of the loan agreement and guarantee agreement in response to the user's loan disbursement operation within the validity period of the loan limit, the method further includes the following steps: In response to the target enterprise type determination criteria, the client is used to guide the user to initiate an online shareholders' meeting resolution process; wherein, the online shareholders' meeting resolution process includes filling in shareholder information for sending an electronic document signing link; the target enterprise type determination criteria include that the enterprise is a 100% wholly-owned enterprise of a non-actual controller and has not provided offline shareholders' meeting resolution documents; After the server confirms that all shareholders have completed electronic signatures, it executes the loan disbursement operation in response to the user within the validity period of the loan amount, and uses the client to guide the user to enter loan information and complete the electronic signing of the loan contract and guarantee contract.

[0009] In some embodiments, the loan agreement and the guarantee agreement are signed through the following steps: In response to the user's confirmation of the loan agreement and the guarantee agreement, the client sends a signing instruction to the server. The server calls a third-party electronic signature platform to send a signing link to the designated contact's mobile phone, and after receiving feedback that the signing is complete, returns the signing result to the client.

[0010] In some embodiments, the method further includes the following steps: In response to a user's query on the client, the server returns loan information, repayment plan, and historical application records. In response to a user's repayment or settlement request, after verification via SMS with the contact person, the server is used to perform the corresponding repayment or settlement process. In response to user actions, the server provides downloads of authorization documents and loan agreements related to historical loan applications.

[0011] To achieve the above objectives, another aspect of this application provides a loan application apparatus, the apparatus comprising: The registration and login unit is used to respond to the user's registration operation on the client, obtain the enterprise's unified social credit code and contact information, and send a registration request to the server to complete the account registration; in response to the login operation, it logs into the server based on the registered account information. The loan amount calculation unit is used to respond to the user's loan amount calculation request on the client, guide the user to complete the electronic signing of tax information authorization and credit authorization documents in sequence; and generate and return the loan amount to the client based on the successful authorization result using the server. The loan application unit is used to respond to the user's loan disbursement operation within the validity period of the loan amount, guide the user to enter the loan information using the client, and complete the electronic signing of the loan contract and the guarantee contract; use the server to process the signed loan contract and the guarantee contract, and execute the loan disbursement in response to the user's disbursement instruction.

[0012] To achieve the above objectives, another aspect of this application provides an electronic device, which includes a memory and a processor. The memory stores a computer program, and the processor executes the computer program to implement the above-described method.

[0013] To achieve the above objectives, another aspect of the embodiments of this application proposes a computer-readable storage medium storing a computer program that, when executed by a processor, implements the above-described method.

[0014] To achieve the above objectives, another aspect of this application provides a computer program product, including a computer program that, when executed by a processor, implements the above-described method.

[0015] The embodiments of this application include at least the following beneficial effects: This application provides a loan application method, apparatus, electronic device, and storage medium. The solution responds to a user's registration on the client side by obtaining the enterprise's unified social credit code and contact information, and sending a registration request to the server to complete account registration. In response to a login operation, the user logs into the server based on the registered account information. In response to a user's credit limit calculation request on the client side, the user is guided to complete the electronic signing of tax information authorization and credit authorization documents. Based on the successful authorization, the server generates and returns a loan limit to the client. In response to a user's loan disbursement operation within the loan limit's validity period, the client guides the user to enter disbursement information and complete the electronic signing of the loan agreement and guarantee agreement. The server processes the successfully signed loan agreement and guarantee agreement and, in response to the user's disbursement instruction, executes the loan disbursement. This application, through registration, credit limit calculation, and loan application signing, effectively solves the technical problems of fragmented processes, cumbersome operations, low efficiency, and inconsistent user experience in existing online loan business, achieving a comprehensive effect of closed-loop process management, optimized user experience, and effective pre-emptive risk control. Attached Figure Description

[0016] To more clearly illustrate the technical solutions in the embodiments of this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0017] Figure 1 A flowchart illustrating a loan application method provided in this application embodiment; Figure 2 This is a schematic diagram of the structure of a loan application device provided in an embodiment of this application; Figure 3 This is a schematic diagram of the hardware structure of an electronic device provided in an embodiment of this application. Detailed Implementation

[0018] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of this application and are not intended to limit it. In the following description, when referring to the accompanying drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with those of this application; they are merely examples of apparatuses and methods consistent with some aspects of the embodiments of this application as detailed in the appended claims.

[0019] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs. The terminology used herein is for the purpose of describing embodiments of this application only and is not intended to limit this application.

[0020] This application provides a loan application method, apparatus, electronic device, and storage medium, relating to the field of internet finance technology. The loan application method, apparatus, electronic device, and storage medium provided in this application can be applied to a terminal, a server, or software running on a terminal or server. In some embodiments, the terminal can be a smartphone, tablet, laptop, desktop computer, smart speaker, smartwatch, or in-vehicle terminal, but is not limited to these. The server can be configured as an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. The server can also be a node server in a blockchain network. The software can be an application implementing a loan application method, but is not limited to the above forms.

[0021] This application can be used in a wide variety of general-purpose or special-purpose computer system environments or configurations. Examples include: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronics devices, network PCs, minicomputers, mainframe computers, and distributed computing environments including any of the above systems or devices. This application can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform specific tasks or implement specific abstract data types. This application can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0022] It should be noted that in all specific embodiments of this application, when processing data related to user identity or characteristics, such as user information, user behavior data, user historical data, and user location information, user permission or consent is obtained first. Furthermore, the collection, use, and processing of this data comply with relevant laws, regulations, and standards. In addition, when embodiments of this application require access to sensitive personal information of users, separate permission or consent from the user is obtained through pop-ups or redirection to confirmation pages. Only after obtaining the user's separate permission or consent is the necessary user-related data required for the proper functioning of these embodiments acquired.

[0023] Reference Figure 1 This application provides a loan application method, which may include, but is not limited to, steps S100 to S120, as follows: S100: In response to the user's registration operation on the client, obtain the enterprise's unified social credit code and contact information, and send a registration request to the server to complete the account registration; in response to the login operation, log in to the server based on the registered account information; S110: In response to the user's credit limit request on the client, guide the user to complete the electronic signing of tax information authorization and credit authorization documents in sequence; based on the successful authorization result, the server generates and returns the loan limit to the client; S120: In response to the user's loan disbursement operation within the validity period of the loan amount, the client guides the user to enter the loan disbursement information and complete the electronic signing of the loan contract and guarantee contract; the server processes the successfully signed loan contract and guarantee contract, and in response to the user's disbursement instruction, executes the loan disbursement.

[0024] Specifically, users register and log in to the platform using their mobile phone number; on the homepage, they click "Check Credit Limit Now," complete the tax authorization and credit document signing process, and the system generates and displays the credit limit; within the credit limit's validity period, users click "Use Now," complete the loan disbursement information entry and contract signing (the system automatically sends a signing link), and finally complete the signing and disbursement. The entire process is guided by the client interface and completed through interaction with the backend server.

[0025] Optionally, the authorization of the tax information is signed through the following steps: In response to a user's credit limit assessment request on the client, the user is guided to the tax authority's authorization interface to complete the authorization of the tax information and the electronic signing of the credit authorization document, and the authorization of the tax information has a preset first validity period.

[0026] Specifically, during the credit limit assessment process, when the user clicks "Next," the client will redirect to an official authorization page provided by the tax bureau (such as an H5 page or webpage), where the user completes the authorization process. The authorization status and validity period (one calendar month) are managed by the bank's server through interaction with the tax system or according to rules.

[0027] Optionally, the credit authorization document is signed through the following steps: In response to a user's credit limit assessment request on the client, the service of a third-party electronic signature platform is invoked to complete the electronic signing of the credit authorization document, and the credit authorization document has a preset second validity period after successful signing; wherein, the credit authorization document includes a personal credit authorization agreement and a corporate credit authorization agreement.

[0028] Specifically, this application embodiment can integrate third-party electronic signature services. When a user clicks "Sign Document," the server calls the interface of the third-party electronic signature service platform to send a signing SMS to the user's contact's mobile phone. The user enters the third-party electronic signature service process through the SMS link, completes facial recognition and enterprise real-name authentication, and then signs the credit authorization agreement online. The signing result and the 6-month validity period are recorded by the bank's server.

[0029] Optionally, the method further includes the following steps: In response to a user's request for a credit limit increase, the client application displays a prompt to contact bank staff.

[0030] Specifically, on the credit limit success page, a "I want to increase my credit limit" button is set up. After the user clicks it, the client (such as through a pop-up window or a new page) displays a prompt message that says "Please contact your account manager" or provides the account manager's contact information, guiding the user to offline human service to seek a credit limit increase.

[0031] Optionally, before guiding the user to enter loan disbursement information and complete the electronic signing of the loan agreement and guarantee agreement in response to the user's loan disbursement operation within the validity period of the loan amount, the method further includes the following steps: In response to the target enterprise type determination criteria, the client is used to guide the user to initiate an online shareholders' meeting resolution process; wherein, the online shareholders' meeting resolution process includes filling in shareholder information for sending an electronic document signing link; the target enterprise type determination criteria include that the enterprise is a 100% wholly-owned enterprise of a non-actual controller and has not provided offline shareholders' meeting resolution documents; After the server confirms that all shareholders have completed electronic signatures, it executes the loan disbursement operation in response to the user within the validity period of the loan amount, and uses the client to guide the user to enter loan information and complete the electronic signing of the loan contract and guarantee contract.

[0032] Specifically, in the loan application process, this embodiment can determine whether this step is necessary based on the company type (such as equity structure). If necessary, the client displays a shareholder information entry page, where the user enters the mobile phone numbers of each shareholder. The server calls the electronic signature service to send the "Shareholders' Meeting Resolution" signing link to these mobile phone numbers. The server monitors the signing status, and after all shareholders have signed, it automatically advances the process to the next step, contract signing.

[0033] In this embodiment, when determining whether to guide the user to initiate an online shareholders' meeting resolution process, two conditions are considered: first, whether the company is "100% owned by the actual controller" is determined through company information query or user input; second, whether the user has selected "shareholders' meeting completed offline" is determined through process identifier. If both conditions are "no", the online shareholders' meeting process is triggered.

[0034] Optionally, the loan agreement and the guarantee agreement are signed through the following steps: In response to the user's confirmation of the loan agreement and the guarantee agreement, the client sends a signing instruction to the server. The server calls a third-party electronic signature platform to send a signing link to the designated contact's mobile phone, and after receiving feedback that the signing is complete, returns the signing result to the client.

[0035] Specifically, during the contract signing process, after the user previews the contract and clicks "Sign Document," the server records this action and invokes the electronic signature service again to send a contract signing link to the pre-set mobile phone number of the actual controller. After signing is completed, the third-party electronic signature service platform sends a callback notification to the bank server, which updates the status approximately two minutes later and notifies the client to redirect.

[0036] When the user finally clicks the "Loan Disbursement" button, a verification code is sent to the mobile phone of the contact person for this loan. The user must enter the correct verification code on the client before the disbursement instruction will be submitted to the server for execution.

[0037] The client provides query portals such as "My Loans," and the server returns the corresponding data. When a user initiates a repayment, they must first verify via SMS. After successful verification, the server executes the deduction or settlement logic. In the "My Applications" history, the server provides download links for archived authorization documents and electronic contracts.

[0038] Optionally, the method further includes the following steps: In response to a user's query on the client, the server returns loan information, repayment plan, and historical application records. In response to a user's repayment or settlement request, after verification via SMS with the contact person, the server is used to perform the corresponding repayment or settlement process. In response to user actions, the server provides downloads of authorization documents and loan agreements related to historical loan applications.

[0039] Specifically, on the platform's "My Applications" list page, for each application record that is in an incomplete state (such as interrupted quota assessment or application not submitted), two buttons are provided: "Continue Application" and "Cancel Application". After the user clicks, the server will either resume the process to the point of interruption or mark the application record as terminated.

[0040] The following sections will provide a detailed description and explanation of some optional embodiments of this application, using specific application examples.

[0041] Specifically, the embodiments of this application can be applied to an internet platform, referred to as a technology e-loan platform, and the embodiments of this application may include the following steps: 1. Registration and login.

[0042] Users can access the e-Loan Technology Platform by clicking the link below or scanning the QR code: The e-Loan platform allows login via mobile phone number and SMS verification code. If you haven't registered an account yet, you can click "Register" and enter your unified social credit code. The system will then automatically display your company name and other information.

[0043] After confirming that the displayed company name and contact person's name are correct, enter the contact person's mobile phone number (the mobile phone number must be registered with the mobile operator), send the SMS verification code (you need to read the registration agreement first), and submit to complete the registration.

[0044] 2. Credit limit calculation.

[0045] After logging in, users can click "Calculate Credit Limit Now" to begin calculating their credit limit. The credit limit calculation process supports resuming from where you left off; users can log in again to return to the previous step.

[0046] (1) Authorization of tax information.

[0047] Customers can click "Measure Credit Limit Now" and then "Next" on the homepage to be redirected to the authorization interface provided by the tax bureau. Note that tax data authorization must be performed by the authorized person registered with the tax bureau by the enterprise.

[0048] The authorization for tax information is valid for one calendar month and will automatically expire at the beginning of the following month.

[0049] Example: If a user completes a tax authorization on January 6, 2023, the authorization will be valid until January 31, 2023.

[0050] (2) Sign the authorization document.

[0051] After signing the authorization agreement for personal credit reporting, corporate credit reporting, etc., and clicking "Sign Document", eSign will send a signing SMS to the contact person's mobile phone.

[0052] The authorization is valid for 6 months after successful signing.

[0053] eSign (a third-party electronic signature platform) signing process: Click the signing link in the SMS, log in to your eSign account, view the document to be signed, select the signature, and use Alipay / Tencent Cloud for facial verification.

[0054] ① Log in to eSign and view the documents to be signed: ② Authorize the use of eSign to complete real-name authentication via facial recognition: ③ Complete enterprise real-name authentication and sign the documents: There are four ways to verify a company's identity: legal representative verification, corporate bank transfer verification, Alipay company verification, and legal representative authorization. You can choose any one of them. If the actual controller and the legal representative are the same person, it is recommended to choose legal representative verification; if they are not the same person, it is recommended to choose legal representative authorization verification.

[0055] (3) Generate credit limit.

[0056] After the credit limit is successfully determined, the loan can be signed and disbursed within the validity period of the credit limit.

[0057] If you wish to increase your loan limit, you can click "I want to increase my limit" and follow the pop-up prompts to contact a China Construction Bank staff member.

[0058] If the credit limit assessment fails, please take a screenshot of the error message and contact your account manager for assistance.

[0059] 3. Loan application.

[0060] (1) Enter loan information.

[0061] Click "Use Now" to enter the loan information entry page, fill in the loan amount, select the receiving account and repayment account, and add the company's contact number and the address of the actual controller. After completing all the input, click Next.

[0062] (2) Initiate an online shareholders’ meeting (optional implementation method).

[0063] If the offline company has already held a shareholders' meeting, or if it is a wholly-owned enterprise of the actual controller, then skip this step.

[0064] When initiating an online shareholders' meeting, you need to fill in the mobile phone numbers of all the natural person shareholders of the company, as well as the mobile phone number of the legal representative or the person in charge of the company's shareholders, in order to receive the signing link of the "Shareholders' Meeting Resolution and Certificate of Actual Controller" document.

[0065] Fill in the relevant information of the shareholders, and pay special attention to verifying that the phone numbers are accurate. After clicking "Confirm Initiation", an SMS will be sent to the corresponding mobile phone number. Shareholders will then enter the signing process via the link in the SMS. After everyone has completed the signing, the page will automatically redirect back to the loan information entry page. At this point, you can click "Next" to enter the loan contract signing process.

[0066] (3) Loan agreement signing and guarantee agreement.

[0067] Users can preview the loan agreement and guarantee agreement here. After confirming that the agreement is correct, click "Sign Document". The system will automatically send a signing link to the actual controller's mobile phone. After the signing is completed, the system will confirm the signing result in about 2 minutes.

[0068] (4) Contractual disbursement.

[0069] After the loan agreement is signed, the system will automatically redirect you to the signing page, and the results will be displayed within 3-5 minutes. (Note that this is a zero-amount signing; you will need to actively withdraw the funds if you wish to receive the loan.)

[0070] (5) Loan disbursement.

[0071] Some products support flexible borrowing and repayment. Loans can be used for any purpose before they are fully repaid, and both borrowing and repayment require SMS verification from the contact person.

[0072] 4. Post-loan information.

[0073] (1) Loan information inquiry.

[0074] On the homepage, click "My Loans" to view successfully disbursed loans. Click on the corresponding card to view basic loan information and repayment plan.

[0075] (2) Loan repayment and settlement.

[0076] On the homepage, click "My Loans" to view loan details and make partial prepayments or clear your loan. Repayment and clearing operations require SMS verification from your contact person.

[0077] The interface prompts: It will take about 5 seconds to search the repayment account list, please wait patiently.

[0078] (3) Download the authorization documents and loan agreement.

[0079] On the homepage, click "My Loans," then click "My Applications" at the top to view your historical loan application information. Select the corresponding application to download the authorization documents and loan agreement.

[0080] The interface prompts that if a contract requires an electronic signature from China Construction Bank, please consult your account manager.

[0081] 5. Terminate the application process.

[0082] On the homepage, click "My Loans," then click "My Applications" at the top to view your historical loan application information and choose to continue or cancel the application.

[0083] In summary, the embodiments of this application may include the following beneficial effects: 1. Integrated Process and Improved Efficiency: By integrating the three core stages of registration and login, credit limit calculation (including tax authorization and credit check signing), and loan application (including information entry, contract signing, and disbursement) into a coherent, client-guided process, users are spared the need to repeatedly switch between different institutional platforms and perform repetitive verifications. The systematic guidance steps replace traditional fragmented operations, significantly shortening business processing time and improving overall efficiency.

[0084] 2. Improved User Experience and Success Rate: The technical solution supports end-to-end online operations from credit limit calculation to loan disbursement. Credit limit calculation, as a prerequisite for the application, directly impacts subsequent loan application stages with its successful result (loan amount and validity period), ensuring a smooth workflow. This design reduces the likelihood of customers abandoning their applications due to process interruptions, unclear guidance, or lost status updates, thereby improving the overall completion rate of business applications and the user experience.

[0085] 3. Standardization and Pre-emptive Risk Control: A standardized credit limit calculation, including tax and credit authorization, must be completed before the loan application stage can begin. This mandatory sequence ensures that critical risk assessment and authorization are completed before contract signing and loan disbursement, facilitating standardized risk control within the bank, early risk identification, and guaranteeing business compliance and security. Furthermore, all authorizations and contracts are completed electronically, ensuring a standardized process and traceable records.

[0086] Reference Figure 2 This application embodiment also provides a loan application device that can implement the above-described loan application method. The device includes: The registration and login unit is used to respond to the user's registration operation on the client, obtain the enterprise's unified social credit code and contact information, and send a registration request to the server to complete the account registration; in response to the login operation, it logs into the server based on the registered account information. The loan amount calculation unit is used to respond to the user's loan amount calculation request on the client, guide the user to complete the electronic signing of tax information authorization and credit authorization documents in sequence; and generate and return the loan amount to the client based on the successful authorization result using the server. The loan application unit is used to respond to the user's loan disbursement operation within the validity period of the loan amount, guide the user to enter the loan information using the client, and complete the electronic signing of the loan contract and the guarantee contract; use the server to process the signed loan contract and the guarantee contract, and execute the loan disbursement in response to the user's disbursement instruction.

[0087] It is understood that the content of the above method embodiments is applicable to the present device embodiments. The specific functions implemented by the present device embodiments are the same as those of the above method embodiments, and the beneficial effects achieved are also the same as those achieved by the above method embodiments.

[0088] This application also provides an electronic device, which includes a memory and a processor. The memory stores a computer program, and the processor executes the computer program to implement the method of this application. This electronic device can be any smart terminal, including tablet computers, in-vehicle computers, etc.

[0089] It is understood that the content of the above method embodiments is applicable to the device embodiments. The specific functions implemented by the device embodiments are the same as those of the methods of this application, and the beneficial effects achieved are the same as those achieved by the methods of this application.

[0090] Please see Figure 3 , Figure 3 The hardware structure of an electronic device according to another embodiment is illustrated. The electronic device includes: The processor 301 can be implemented using a general-purpose CPU (Central Processing Unit), microprocessor, application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of this application. The memory 302 can be implemented as a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 302 can store the operating system and other applications. When the technical solutions provided in the embodiments of this specification are implemented through software or firmware, the relevant program code is stored in the memory 302 and is called and executed by the processor 301. Input / output interface 303 is used to implement information input and output; The communication interface 304 is used to enable communication and interaction between this device and other devices. Communication can be achieved through wired means (such as USB, network cable, etc.) or wireless means (such as mobile network, WIFI, Bluetooth, etc.). Bus 305 transmits information between various components of the device (e.g., processor 301, memory 302, input / output interface 303, and communication interface 304); The processor 301, memory 302, input / output interface 303, and communication interface 304 are connected to each other within the device via bus 305.

[0091] This application also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the method of this application.

[0092] It is understood that the content of the above method embodiments is applicable to this storage medium embodiment. The specific functions implemented in this storage medium embodiment are the same as those in the above method embodiments, and the beneficial effects achieved are also the same as those achieved in the above method embodiments.

[0093] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described method.

[0094] Memory, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs and non-transitory computer-executable programs. Furthermore, memory may include high-speed random access memory, and may also include non-transitory memory, such as at least one disk storage device, flash memory device, or other non-transitory solid-state storage device. In some embodiments, memory may optionally include memory remotely located relative to the processor, and these remote memories can be connected to the processor via a network. Examples of such networks include, but are not limited to, the Internet, intranets, local area networks, mobile communication networks, and combinations thereof.

[0095] The embodiments described in this application are for the purpose of more clearly illustrating the technical solutions of the embodiments of this application, and do not constitute a limitation on the technical solutions provided by the embodiments of this application. As those skilled in the art will know, with the evolution of technology and the emergence of new application scenarios, the technical solutions provided by the embodiments of this application are also applicable to similar technical problems.

[0096] Those skilled in the art will understand that the technical solutions shown in the figures do not constitute a limitation on the embodiments of this application, and may include more or fewer steps than shown, or combine certain steps, or different steps.

[0097] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate; that is, they may be located in one place or distributed across multiple network units. Some or all of the modules can be selected to achieve the purpose of the embodiments of this application, depending on actual needs.

[0098] Those skilled in the art will understand that all or some of the steps in the methods disclosed above, as well as the functional modules / units in the systems and devices, can be implemented as software, firmware, hardware, or appropriate combinations thereof.

[0099] The terms “first,” “second,” “third,” “fourth,” etc. (if present) in the specification and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms “comprising” and “having,” and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0100] It should be understood that in this application, "at least one (item)" means one or more, and "more than" means two or more. "And / or" is used to describe the relationship between related objects, indicating that three relationships can exist. For example, "A and / or B" can represent three cases: only A exists, only B exists, and both A and B exist simultaneously, where A and B can be singular or plural. The character " / " generally indicates that the preceding and following related objects are in an "or" relationship. "At least one (item) of the following" or similar expressions refer to any combination of these items, including any combination of single or plural items. For example, at least one (item) of a, b, or c can represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, and c can be single or multiple.

[0101] In the several embodiments provided in this application, it should be understood that the disclosed apparatus and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of the units described above is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection between apparatuses or units may be electrical, mechanical, or other forms.

[0102] The units described above as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of the embodiments of this application, depending on actual needs.

[0103] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0104] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes multiple instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this application. The aforementioned storage medium includes various media capable of storing programs, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0105] The preferred embodiments of the present application have been described above with reference to the accompanying drawings, but this does not limit the scope of the claims of the present application. Any modifications, equivalent substitutions, and improvements made by those skilled in the art without departing from the scope and substance of the embodiments of the present application shall be within the scope of the claims of the present application.

Claims

1. A method for applying for a loan, characterized in that, The method includes the following steps: In response to a user's registration operation on the client, the system obtains the enterprise's unified social credit code and contact information, and sends a registration request to the server to complete account registration; in response to a login operation, the system logs into the server based on the registered account information. In response to a user's credit limit request on the client, the user is guided to complete the electronic signing of tax information authorization and credit authorization documents in sequence; based on the successful authorization result, the server generates and returns the loan limit to the client. In response to a user's loan disbursement operation within the validity period of the loan limit, the client guides the user to enter loan information and complete the electronic signing of the loan agreement and guarantee agreement; the server processes the successfully signed loan agreement and guarantee agreement, and executes the loan disbursement in response to the user's disbursement instruction.

2. The loan application method according to claim 1, characterized in that, The authorization for the tax information is signed through the following steps: In response to a user's credit limit assessment request on the client, the user is guided to the tax authority's authorization interface to complete the authorization of the tax information and the electronic signing of the credit authorization document, and the authorization of the tax information has a preset first validity period.

3. The loan application method according to claim 1, characterized in that, The credit authorization document is signed through the following steps: In response to a user's credit limit assessment request on the client, the service of a third-party electronic signature platform is invoked to complete the electronic signing of the credit authorization document, and the credit authorization document has a preset second validity period after successful signing; wherein, the credit authorization document includes a personal credit authorization agreement and a corporate credit authorization agreement.

4. The loan application method according to claim 1, characterized in that, The method further includes the following steps: In response to a user's request for a credit limit increase, the client application displays a prompt to contact bank staff.

5. The loan application method according to claim 1, characterized in that, Before responding to a user's loan disbursement operation within the validity period of the loan amount, guiding the user to enter loan disbursement information using the client, and completing the electronic signing of the loan agreement and guarantee agreement, the method further includes the following steps: In response to the target enterprise type determination criteria, the client is used to guide the user to initiate an online shareholders' meeting resolution process; wherein, the online shareholders' meeting resolution process includes filling in shareholder information for sending an electronic document signing link; the target enterprise type determination criteria include that the enterprise is a 100% wholly-owned enterprise of a non-actual controller and has not provided offline shareholders' meeting resolution documents; After the server confirms that all shareholders have completed electronic signatures, it executes the loan disbursement operation in response to the user within the validity period of the loan amount, and uses the client to guide the user to enter loan information and complete the electronic signing of the loan contract and guarantee contract.

6. The loan application method according to claim 1, characterized in that, The loan agreement and the guarantee agreement were signed through the following steps: In response to the user's confirmation of the loan agreement and the guarantee agreement, the client sends a signing instruction to the server. The server calls a third-party electronic signature platform to send a signing link to the designated contact's mobile phone, and after receiving feedback that the signing is complete, returns the signing result to the client.

7. The loan application method according to claim 1, characterized in that, The method further includes the following steps: In response to a user's query on the client, the server returns loan information, repayment plan, and historical application records. In response to a user's repayment or settlement request, after verification via SMS with the contact person, the server is used to perform the corresponding repayment or settlement process. In response to user actions, the server provides downloads of authorization documents and loan agreements related to historical loan applications.

8. A loan application device, characterized in that, The device includes: The registration and login unit is used to respond to the user's registration operation on the client, obtain the enterprise's unified social credit code and contact information, and send a registration request to the server to complete the account registration; in response to the login operation, it logs into the server based on the registered account information. The loan amount calculation unit is used to respond to the user's loan amount calculation request on the client, guide the user to complete the electronic signing of tax information authorization and credit authorization documents in sequence; and generate and return the loan amount to the client based on the successful authorization result using the server. The loan application unit is used to respond to the user's loan disbursement operation within the validity period of the loan amount, guide the user to enter the loan information using the client, and complete the electronic signing of the loan contract and the guarantee contract; use the server to process the successfully signed loan contract and the guarantee contract, and execute the loan disbursement in response to the user's disbursement instruction.

9. An electronic device, characterized in that, The electronic device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program to implement the method as described in any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1 to 7.

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