CN107967649A - A kind of the tourism industry loan measures and procedures for the examination and approval, system, terminal and storage medium - Google Patents
A kind of the tourism industry loan measures and procedures for the examination and approval, system, terminal and storage medium Download PDFInfo
- Publication number
- CN107967649A CN107967649A CN201711086608.0A CN201711086608A CN107967649A CN 107967649 A CN107967649 A CN 107967649A CN 201711086608 A CN201711086608 A CN 201711086608A CN 107967649 A CN107967649 A CN 107967649A
- Authority
- CN
- China
- Prior art keywords
- credit
- loan
- subsystem
- information
- examination
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/12—Hotels or restaurants
Abstract
The invention discloses a kind of tourism industry loan measures and procedures for the examination and approval, system, terminal and storage medium, this method to include：Audit subsystem and receive the credit request that credit user submits, credit request includes credit application materials, credit demand and user information, judges whether credit application materials are complete, if completely, credit demand is then sent to credit subsystem, and uploads credit application materials to system database；After credit subsystem receives credit demand, credit application materials are obtained from system database, and according to credit application materials and default tourism industry feature information architecture air control model, judge whether credit demand passes through further according to air control model, if pass through, the accrediting amount is then calculated according to air control model, and user's credit information is generated according to the accrediting amount, and user's credit information is fed back into credit user.By implementing the tourism industry loan measures and procedures for the examination and approval, its air control scheme is more perfect, and fund flexibility ratio is high, is more bonded the demand of user.
Description
Technical field
The present invention relates to Internet communication technology field, more particularly to a kind of tourism industry loan measures and procedures for the examination and approval, system, end
End and storage medium.
Background technology
In order to preferably activate business, meeting advance payment can equally make out a bill to upstream supplier or hotel for tourism industry enterprise
Phase gives downstream client, and tourism industry visitor's unit price is higher, therefore can all have stronger money at busy season or operation expanding
Golden demand.The tourism industry overwhelming majority is light assets enterprise, although the Big Golds such as supply chain financial service, bank can be done
Melt mechanism and do not customize air control model of the construction based on tourism industry characteristic, therefore supply chain can not be provided for these enterprises and melted
Money service；The product based on tourism industry Supply chain financing that same third party provides, in terms of air control model, fund flexibility ratio
It is all poor, and the loaning bill of other modes, for example house property is mortgaged, fiduciary loan and personalized lending are all low there are fund utilization rate,
The problems such as flexibility is inadequate, can not meet the credit requirement of enterprise, cause business development to be limited.
The content of the invention
The technical problems to be solved by the invention are to provide a kind of tourism industry loan measures and procedures for the examination and approval, system, terminal
And storage medium, with solve existing tourism industry loan in terms of air control model, fund flexibility ratio it is all poor, can not meet to look forward to
The problem of credit requirement of industry.
To solve the above-mentioned problems, the present invention provides a kind of tourism industry loan measures and procedures for the examination and approval, it is applied to tourism and goes
Industry loan approval system, the tourism industry loan approval system include examination ＆ verification subsystem, credit subsystem and system database,
It includes：
The examination ＆ verification subsystem receives the credit request that credit user submits, and the credit request includes credit application money
Material, credit demand and user information；
The examination ＆ verification subsystem judges whether the credit application materials are complete；
If the credit application materials are complete, the examination ＆ verification subsystem sends the credit demand to the credit subsystem
System, and the credit application materials are uploaded to the system database；
After the credit subsystem receives the credit demand, the credit application is obtained from the system database
Data, and according to the credit application materials and default tourism industry feature information architecture air control model；
The credit subsystem judges whether the credit demand passes through according to the air control model；
If the credit demand by, the credit subsystem calculates the accrediting amount according to the air control model, and
User's credit information is generated according to the accrediting amount, user's credit information includes the user information, user's letter
Breath is corresponding with the air control model；
The credit subsystem feeds back user's credit information to the credit user through the examination ＆ verification subsystem.
As a further improvement on the present invention, the credit subsystem feeds back user's credit through the examination ＆ verification subsystem
After information to the step of credit user, further include：
The examination ＆ verification subsystem periodically sends data updating prompt message to the credit user.
As a further improvement on the present invention, the tourism industry loan approval system includes subsystem of making loans；It is described to award
After believing that subsystem feeds back user's credit information to the step of credit user through the examination ＆ verification subsystem, further include：
The examination ＆ verification subsystem receives the loan requests that loan user submits, and the loan requests are provided including loan application
Material, current user information and demand for loan；
The examination ＆ verification subsystem judges whether and the matched targeted customer's information of the current user information, the mesh
Mark user information corresponds to targeted customer's credit information；
If audit the loan in the presence of with the matched targeted customer's information of the current user information, the examination ＆ verification subsystem
Whether money application materials are complete；
If the loan application complete data, the examination ＆ verification subsystem sends the loan requests to the credit subsystem
System；
After the credit subsystem receives the loan requests, mesh corresponding with targeted customer's credit information is obtained
Mark air control model；
The credit subsystem judges the demand for loan according to the loan application data and the target air control model
Whether pass through；
If the demand for loan is by the way that the credit subsystem sends to make loans and instructs to the subsystem of making loans.
As a further improvement on the present invention, the credit subsystem is according to the loan application data and the target wind
Control model judge the demand for loan whether by the step of after, further include：
If the demand for loan is by the way that the credit subsystem sends the second prompting message through the examination ＆ verification subsystem
To the loan user, second prompting message does not pass through cause information including demand for loan by notification information and.
As a further improvement on the present invention, the examination ＆ verification subsystem judges whether and the current user information
After the step of targeted customer's information matched somebody with somebody, further include：
If there is no feed back first with the matched targeted customer's information of the current user information, the examination ＆ verification subsystem
For prompting message to the loan user, first prompting message includes loan failure information and loan failure cause information.
As a further improvement on the present invention, targeted customer's credit information includes the target accrediting amount, the credit
Subsystem send make loans instruction to it is described make loans subsystem the step of after, further include：
The credit subsystem updates the target accrediting amount, to obtain remaining amount；
The credit subsystem generation loan passes through information, and sends the loan through the examination ＆ verification subsystem and pass through information
To the loan user, the loan communication information includes loan and passes through notification message and the remaining amount.
To solve the above-mentioned problems, present invention also offers a kind of tourism industry loan approval system, it includes：
Subsystem is audited, for receiving the credit request of credit user submission, the credit request includes credit application money
Material, credit demand and user information；
The examination ＆ verification subsystem, is additionally operable to judge whether the credit application materials are complete；
The examination ＆ verification subsystem, if it is complete to be additionally operable to the credit application materials, sends the credit demand to described
Credit subsystem, and the credit application materials are uploaded to the system database；
Credit subsystem, after receiving the credit demand, obtains the credit Shen from the system database
Please data, and according to the credit application materials and default tourism industry feature information architecture air control model；
The credit subsystem, is additionally operable to judge whether the credit demand passes through according to the air control model；
The credit subsystem, if being additionally operable to the credit demand by calculating credit volume according to the air control model
Degree, and user's credit information is generated according to the accrediting amount, user's credit information includes the user information, the use
Family information is corresponding with the air control model；
The credit subsystem, is additionally operable to use through examination ＆ verification subsystem feedback user's credit information to the credit
Family.
As a further improvement on the present invention, the examination ＆ verification subsystem, is additionally operable to periodically send data updating prompt message
To the credit user.
As a further improvement on the present invention, it further includes subsystem of making loans；
The examination ＆ verification subsystem, is additionally operable to receive the loan requests that loan user submits, the loan requests include loan
Application materials, current user information and demand for loan；
The examination ＆ verification subsystem, is additionally operable to judge whether targeted customer's letter matched with the current user information
Breath, targeted customer's information correspond to targeted customer's credit information；
The examination ＆ verification subsystem, if be additionally operable in the presence of with the matched targeted customer's information of the current user information, examine
Whether loan application data is complete described in core；
The examination ＆ verification subsystem, if being additionally operable to the loan application complete data, sends the loan requests to described
Credit subsystem；
The credit subsystem, is additionally operable to after receiving the loan requests, obtains and targeted customer's credit information
Corresponding target air control model；
The credit subsystem, is additionally operable to judge the loan according to the loan application data and the target air control model
Whether money demand passes through；
The credit subsystem, if being additionally operable to the demand for loan by the way that transmission, which is made loans, to be instructed to the subsystem of making loans
System.
As a further improvement on the present invention, the examination ＆ verification subsystem, believes if being additionally operable to be not present with the active user
Matched targeted customer's information is ceased, then feeds back the first prompting message to the loan user, first prompting message includes borrowing
Money failure information and loan failure cause information.
As a further improvement on the present invention, the credit subsystem, if being additionally operable to the demand for loan not by passing through
The examination ＆ verification subsystem sends the second prompting message to the loan user, second prompting message and does not lead to including demand for loan
Cross notification information and do not pass through cause information.
As a further improvement on the present invention, targeted customer's credit information includes the target accrediting amount；
The credit subsystem, is additionally operable to update the target accrediting amount, to obtain remaining amount；
The credit subsystem, is additionally operable to generation loan and passes through information, and sends the loan through the examination ＆ verification subsystem
By information to the loan user, the loan communication information includes loan and passes through notification message and the remaining amount.
To solve the above-mentioned problems, present invention also offers a kind of terminal, it includes processor, is coupled with the processor
Memory；
The tourism industry loan examination ＆ approval described in any of the above-described can be realized when the processor and the memory operation
Method.
To solve the above-mentioned problems, present invention also offers a kind of storage medium, routine data, the journey are stored thereon with
Ordinal number is according to the step in tourism industry loan measures and procedures for the examination and approval when being executed by processor, realized described in any of the above-described.
Compared with the prior art, by implementing the tourism industry loan measures and procedures for the examination and approval disclosed by the invention, user passes through application
Credit, customizes during credit and builds the air control model based on tourism industry feature, reuse the air control model to user
Assessed, assess whether it possesses loan qualification and loan limit, supply chain is provided so as to fulfill for the user of tourism industry
Financing services, this method air control scheme is perfect, and fund utilization rate is high, and online examination ＆ verification in real time, ensures user under different scenes
The satisfaction of fund aspect can be accessed.
Brief description of the drawings
Fig. 1 is the flow diagram of the first embodiment of the tourism industry of the present invention loan measures and procedures for the examination and approval.
Fig. 2 is the flow diagram of tourism industry of the present invention loan second of embodiment of the measures and procedures for the examination and approval.
Fig. 3 is the flow diagram of the third embodiment of the tourism industry of the present invention loan measures and procedures for the examination and approval.
Fig. 4 is the flow diagram of tourism industry of the present invention loan the 4th kind of embodiment of the measures and procedures for the examination and approval.
Fig. 5 is the flow diagram of tourism industry of the present invention loan the 5th kind of embodiment of the measures and procedures for the examination and approval.
Fig. 6 is the flow diagram of tourism industry of the present invention loan the 6th kind of embodiment of the measures and procedures for the examination and approval.
Fig. 7 is the high-level schematic functional block diagram of the first embodiment of tourism industry of the present invention loan approval system.
Fig. 8 is the high-level schematic functional block diagram of tourism industry of the present invention loan second of embodiment of approval system.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, with reference to the accompanying drawings and embodiments, it is right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used to limit the present invention.
Fig. 1 illustrates a kind of embodiment of the tourism industry loan measures and procedures for the examination and approval of the present invention.In the present embodiment, the tourism row
Industry loan the measures and procedures for the examination and approval be applied to tourism industry loan approval system, tourism industry loan approval system include examination ＆ verification subsystem,
Credit subsystem and system database.As shown in Figure 1, the tourism industry loan measures and procedures for the examination and approval include：
Step S1, examination ＆ verification subsystem receive the credit request that credit user submits.
Specifically, credit request includes credit application materials, credit demand and user information, and credit user is in application credit
When, credit need to be submitted to ask, wherein credit request includes credit application materials, credit demand and user information, and user information
Then including enterprise name etc., credit application materials then include company information, guarantee information, tax information, certificate information, enterprise's warp
Battalion's situation, upstream and downstream cooperation stability, receivables and payables account phase and the amount of money and stability, growth pattern, operating cycle
With dull and rush season etc..
Step S2, examination ＆ verification subsystem judge whether credit application materials are complete.If credit application materials are complete, perform
S3.If credit application materials are imperfect, credit user's completion data is notified.
Specifically, after examination ＆ verification subsystem receives credit request, credit application materials are obtained, and judge credit application materials
It is whether complete, such as audit company information, assure that information, tax information, certificate information, enterprise management condition, upstream and downstream cooperation are steady
Whether qualitative, receivables and payables account phase and the amount of money and stability, growth pattern, operating cycle and dull and rush season etc. are complete.
If credit application materials are complete, S3 is performed.If credit application materials are imperfect, notify credit user's completion data, lay equal stress on
It is new to submit credit request.
Step S3, examination ＆ verification subsystem sends credit demand to credit subsystem, and uploads credit application materials to system number
According to storehouse.
Specifically, if credit application materials are complete, examination ＆ verification subsystem sends credit demand to credit subsystem, and uploads
Credit application materials, so that credit application materials are stored in system database, facilitate subsequent calls to system database.
Step S4, after credit subsystem receives credit demand, obtains credit application materials, and root from system database
According to credit application materials and default tourism industry feature information architecture air control model.
Specifically, credit subsystem obtains corresponding credit user after credit demand is received from system database
Credit application materials, the credit application materials include company information, guarantee information, tax information, certificate information, enterprise operation
Situation, upstream and downstream cooperation stability, receivables and payables account phase and the amount of money and stability, growth pattern, operating cycle with
Dull and rush season etc., the information in credit application materials is carried out data pick-up, parsing by kettle, and according to data pick-up, solution
The result of analysis and default tourism industry feature information architecture air control model.Wherein, the supply chain of different industries has respective industry
Feature, such as tourism industry avoid the need for concern quantity in stock, inventory value and storage etc., and tourism industry feature is based on by building
Air control model, its conclusion drawn will be more accurate, and therefore, it is necessary to according to credit application materials and default tourism industry feature
Information builds air control model.
Step S5, credit subsystem judge whether credit demand passes through according to air control model.If credit demand is by holding
Row step S6；If credit demand is by the way that notice credit user credit fails, and feeds back credit failure cause to client.
Specifically, air control model is by assessing the risk attributes of credit client, when the risk attributes of credit user are excessive, surpasses
When having gone out default risk attributes threshold value, then air control model judges credit demand not by when risk attributes are less than default wind
During dangerous attribute thresholds, judge credit demand by so as to avoid losing.
Step S6, credit subsystem calculates the accrediting amount according to air control model, and generates user according to the accrediting amount and award
Letter information.
Specifically, user's credit information includes user information, and user information is corresponding with air control model.
Step S7, credit subsystem is through auditing subsystem feedback user credit information to credit user.
In the present embodiment, after examination ＆ verification subsystem receives the credit request of credit user submission, provided according to credit application
Material and default tourism industry feature information architecture air control model, then credit demand is judged by the air control model, work as wind
Dangerous attribute is low, when generation loss probability is low, judges credit demand by so as to avoid producing loss.Pass through the air control model
Establish, provide Supply chain financing service so as to fulfill the user for tourism industry, and the air control scheme is perfect, further avoid
The economic loss of both sides.
During the tourism industry loan measures and procedures for the examination and approval of the present invention are applied to the use of tourism industry loan approval system,
The credit information of user also needs to be regularly updated.Therefore, on the basis of above-described embodiment, in other embodiment, such as Fig. 2 institutes
Show, after step s 7, further include：
Step S10, examination ＆ verification subsystem periodically send data updating prompt message to credit user.
In the present embodiment, after user's credit success, examination ＆ verification subsystem also needs periodically to send data updating prompt message to awarding
Credit household, prompts user periodically to be preserved the data of renewal to system data to subsystem, examination ＆ verification subsystem is audited according to data
In storehouse, so as to ensure the promptness of the data update in system database, avoid producing since data excessively fall behind and judging knot
The problem of fruit deviation is excessive, and the accrediting amount of user can be adjusted according to user's more new data, such as user manages
Situation is good, when the turnover raises, then the adjustable height accrediting amount, so as to more be bonded the demand of user.
During the tourism industry loan measures and procedures for the examination and approval of the present invention are applied to the use of tourism industry loan approval system,
User can apply providing a loan after user's credit information is obtained.Therefore, on the basis of above-described embodiment, in other embodiment, such as scheme
Shown in 3, tourism industry loan approval system includes making loans subsystem, after step S7, further includes：
Step S20, examination ＆ verification subsystem receive the loan requests that loan user submits.
Specifically, loan requests include loan application data, current user information and demand for loan.
Step S21, examination ＆ verification subsystem judge whether to use with the matched targeted customer's information of current user information, target
Family information corresponds to targeted customer's credit information.If in the presence of with the matched targeted customer's information of current user information, perform step
S22。
Specifically, after the current user information of loan user is obtained, it is carried out with all user information one by one
Match somebody with somebody, to obtain targeted customer's information, which is to provide a loan user in the user's letter submitted during credit application
Breath.By matching targeted customer's information, so as to confirm that loan user has been carried out credit application, possesses loan qualification.
Whether step S22, examination ＆ verification subsystem examination ＆ verification loan application data are complete.If loan application complete data, performs
Step S23.If loan application data is imperfect, user's completion information is asked.
Specifically, loan reason of the loan application data including loan user, loan limit, basic product information, buying
The related datas such as quantity, procurement contract, beneficiary.
Step S23, examination ＆ verification subsystem send loan requests to credit subsystem.
Step S24, after credit subsystem receives loan requests, obtains target wind corresponding with targeted customer's credit information
Control model.
Specifically, air control model is corresponding with user information, and user's credit information includes user information, therefore, passes through
Matched targeted customer's credit information can confirm target air control model.
Step S25, credit subsystem judge whether demand for loan passes through according to loan application data and target air control model.
If demand for loan is by performing step S26.
Specifically, target air control model carries out the content in loan application data to assess its risk, so as to judge this
Whether demand for loan is by if the demand for loan is by performing step S26.
Normally, credit subsystem is also needed according to targeted customer's credit acquisition of information accrediting amount, and compares the accrediting amount
And loan limit, when loan limit is less than the accrediting amount, it is allowed to which the demand for loan passes through.
Step S26, credit subsystem send to make loans and instruct to subsystem of making loans.
Specifically, credit subsystem sends instruction of making loans to subsystem of making loans, after subsystem of making loans receives instruction of making loans,
Make loans to loan user.
In the present embodiment, examination ＆ verification subsystem obtains and loan user after the loan requests that loan user submits are received
Corresponding targeted customer's credit information, further according to targeted customer's credit acquisition of information target air control model, passes through target air control mould
Content in type assessment loan application material, so as to judge whether by the demand for loan, if passing through credit subsystem notice
Subsystem of making loans is made loans to loan user.By the assessment of the air control model, effectively reduce both sides and economic loss occurs
Possibility, and realize and provide Supply chain financing service for the user of tourism industry.
During the tourism industry loan measures and procedures for the examination and approval of the present invention are applied to the use of tourism industry loan approval system,
Further include situation about being not present with the matched targeted customer's information of current user information.Therefore, on the basis of above-described embodiment, its
In his embodiment, as shown in figure 4, after step S21, if there is no with the matched targeted customer's information of current user information,
Perform step S30：
Step S30, examination ＆ verification subsystem feed back the first prompting message to the user that provides a loan.
Specifically, the first prompting message includes loan failure information and loan failure cause information.
In the present embodiment, when examination ＆ verification subsystem judges targeted customer's information matched with current user information is not present,
The first prompting message is then fed back to the user that provides a loan, so as to remind loan user to need first to file credit, can just be carried out after credit credit
Loan.
During the tourism industry loan measures and procedures for the examination and approval of the present invention are applied to the use of tourism industry loan approval system,
Further include the unsanctioned situation of demand for loan.Therefore, on the basis of above-described embodiment, in other embodiment, as shown in figure 5, step
After rapid S25, if demand for loan is not by performing step S40：
Step S40, credit subsystem send the second prompting message to the user that provides a loan through auditing subsystem.
Specifically, the second prompting message does not pass through cause information including demand for loan by notification information and.
In the present embodiment, when the risk that this is provided a loan when target air control model evaluation is excessive, then the demand for loan is judged not
By, avoid both sides that economic loss occurs, and the unsanctioned reason of user's demand for loan is reminded, play warning loan user's
Effect.
During the tourism industry loan measures and procedures for the examination and approval of the present invention are applied to the use of tourism industry loan approval system,
After user provides a loan successfully, the accrediting amount need to be updated.Therefore, on the basis of above-described embodiment, in other embodiment, targeted customer awards
Letter information includes the target accrediting amount, as shown in fig. 6, after step S26, further includes：
Step S50, the credit subsystem more fresh target accrediting amount, to obtain remaining amount.
Specifically, credit subsystem sends instruction of making loans to after subsystem of making loans, and credit subsystem is by the target accrediting amount
Loan limit is subtracted, so as to obtain the remaining amount of loan user.
Step S51, credit subsystem generation loan passes through information, and sends loan through examination ＆ verification subsystem and pass through information to loan
Money user.
Specifically, the communication information of providing a loan includes loan and passes through notification message and remaining amount.
In the present embodiment, after loan user provides a loan successfully, the accrediting amount of renewal loan user, until loan user repays
After repaying, recover the accrediting amount, avoid economic loss.
Fig. 7 illustrates a kind of embodiment of tourism industry loan approval system of the present invention.In the present embodiment, the tourism row
Industry loan approval system includes examination ＆ verification subsystem 1, credit subsystem 2 and system database.
Wherein, subsystem 1 is audited, for receiving the credit request of credit user submission, credit request includes credit application
Data, credit demand and user information；Subsystem 1 is audited, is additionally operable to judge whether credit application materials are complete；Audit subsystem
1, if it is complete to be additionally operable to credit application materials, credit demand is sent to credit subsystem 2, and uploads credit application materials to being
System database；Credit subsystem 2, after receiving credit demand, obtains credit application materials, and root from system database
According to credit application materials and default tourism industry feature information architecture air control model；Credit subsystem 2, is additionally operable to according to air control mould
Type judges whether credit demand passes through；Credit subsystem 2, if being additionally operable to credit demand by calculating and awarding according to air control model
Believe amount, and user's credit information is generated according to the accrediting amount, user's credit information includes user information, user information and air control
Model is corresponding；Credit subsystem 2, is additionally operable to through auditing 1 feedback user credit information of subsystem to credit user.
On the basis of above-described embodiment, in other embodiment, subsystem 1 is audited, is additionally operable to periodically to send data updating and carries
Show information to credit user.
On the basis of above-described embodiment, in other embodiment, as shown in figure 8, tourism industry loan approval system also wraps
Include subsystem 3 of making loans.
Wherein, subsystem 1 is audited, is additionally operable to receive the loan requests that loan user submits, loan requests include loan Shen
Please data, current user information and demand for loan；Subsystem 1 is audited, is additionally operable to judge whether and current user information
The targeted customer's information matched somebody with somebody, targeted customer's information correspond to targeted customer's credit information；Audit subsystem 1, if be additionally operable in the presence of with
Whether complete the matched targeted customer's information of current user information, then audit loan application data；Subsystem 1 is audited, is additionally operable to
If loan application complete data, loan requests are sent to credit subsystem 2；Credit subsystem 2, is additionally operable to receive to provide a loan and asks
After asking, target air control model corresponding with targeted customer's credit information is obtained；Credit subsystem 2, is additionally operable to according to loan application
Data and air control model judge whether demand for loan passes through；Credit subsystem 2, if being additionally operable to demand for loan by the way that transmission is put
Money is instructed to subsystem 3 of making loans.
On the basis of above-described embodiment, in other embodiment, subsystem 1 is audited, if being additionally operable to be not present and active user
Targeted customer's information of information matches, then feed back the first prompting message to the user that provides a loan, the first prompting message includes loan and fails
Information and loan failure cause information.
On the basis of above-described embodiment, in other embodiment, credit subsystem 2, if be additionally operable to demand for loan not by,
The second prompting message is sent to the user that provides a loan through auditing subsystem 1, and the second prompting message includes demand for loan not by notifying to believe
Cease and do not pass through cause information.
On the basis of above-described embodiment, in other embodiment, credit subsystem 2, is additionally operable to the more fresh target accrediting amount, with
Obtain remaining amount；Credit subsystem 2, is additionally operable to generation loan and passes through information, and passes through letter through auditing the transmission loan of subsystem 1
To loan user, the loan communication information includes loan and passes through notification message and remaining amount breath.
The other details of technical solution are realized on tourism industry loan each subsystem of approval system in above-described embodiment, can
Referring to the description in the tourism industry loan measures and procedures for the examination and approval in above-described embodiment, details are not described herein again.
It should be noted that each embodiment in this specification is described by the way of progressive, each embodiment weight
Point explanation is all difference with other embodiment, between each embodiment identical similar part mutually referring to.
For device class embodiment, since it is substantially similar to embodiment of the method, so description is fairly simple, related part ginseng
See the part explanation of embodiment of the method.
The present embodiment additionally provides a kind of terminal, it includes processor, the memory with processor coupling.The memory is deposited
Contain the subsystem of above-described embodiment description.The subsystem that the processor is described by above-described embodiment of the memory storage,
It can realize the tourism industry loan measures and procedures for the examination and approval that the application provides.
The present embodiment additionally provides a kind of storage medium, and for storage program data, it includes for performing the application
State the routine data designed by tourism industry loan measures and procedures for the examination and approval embodiment.By performing the program number stored in the storage medium
According to, it is possible to achieve the tourism industry loan measures and procedures for the examination and approval that the application provides.
The embodiment of invention is described in detail above, but it is only used as example, and the present invention is not intended to limit
In specific embodiments described above.For a person skilled in the art, any equivalent modifications carried out to the invention
Or substitute also all among scope of the invention, therefore, the equalization made in the case where not departing from the spirit and principles in the present invention scope
Conversion and modification, improvement etc., all should be contained within the scope of the invention.
Claims (14)
- The measures and procedures for the examination and approval 1. a kind of tourism industry is provided a loan, it is characterised in that it is applied to tourism industry loan approval system, the trip Industry of parading loan approval system includes examination ＆ verification subsystem, credit subsystem and system database, it includes：The examination ＆ verification subsystem receives the credit request that credit user submits, and the credit request includes credit application materials, awards Letter demand and user information；The examination ＆ verification subsystem judges whether the credit application materials are complete；If the credit application materials are complete, the examination ＆ verification subsystem transmission credit demand to the credit subsystem, And the credit application materials are uploaded to the system database；After the credit subsystem receives the credit demand, the credit application money is obtained from the system database Material, and according to the credit application materials and default tourism industry feature information architecture air control model；The credit subsystem judges whether the credit demand passes through according to the air control model；If the credit demand calculates the accrediting amount by, the credit subsystem according to the air control model, and according to The accrediting amount generates user's credit information, and user's credit information includes the user information, the user information and The air control model is corresponding；The credit subsystem feeds back user's credit information to the credit user through the examination ＆ verification subsystem.
- The measures and procedures for the examination and approval 2. tourism industry according to claim 1 is provided a loan, it is characterised in that described in the credit subsystem warp After auditing subsystem feedback user's credit information to the step of credit user, further include：The examination ＆ verification subsystem periodically sends data updating prompt message to the credit user.
- The measures and procedures for the examination and approval 3. tourism industry according to claim 1 is provided a loan, it is characterised in that the tourism industry loan examination ＆ approval System includes subsystem of making loans；The credit subsystem feeds back user's credit information through the examination ＆ verification subsystem and is awarded to described After the step of credit household, further include：It is described examination ＆ verification subsystem receive loan user submit loan requests, the loan requests include loan application data, when Preceding user information and demand for loan；The examination ＆ verification subsystem judges whether to use with the matched targeted customer's information of the current user information, the target Family information corresponds to targeted customer's credit information；If audit the loan Shen in the presence of with the matched targeted customer's information of the current user information, the examination ＆ verification subsystem Please data it is whether complete；If the loan application complete data, the examination ＆ verification subsystem sends the loan requests to the credit subsystem；After the credit subsystem receives the loan requests, target wind corresponding with targeted customer's credit information is obtained Control model；Whether the credit subsystem judges the demand for loan according to the loan application data and the target air control model Pass through；If the demand for loan is by the way that the credit subsystem sends to make loans and instructs to the subsystem of making loans.
- The measures and procedures for the examination and approval 4. tourism industry according to claim 3 is provided a loan, it is characterised in that the examination ＆ verification subsystem judge be After the step of no presence targeted customer's information matched with the current user information, further include：If there is no reminded with the matched targeted customer's information of the current user information, the examination ＆ verification subsystem feedback first For information to the loan user, first prompting message includes loan failure information and loan failure cause information.
- The measures and procedures for the examination and approval 5. tourism industry according to claim 3 is provided a loan, it is characterised in that the credit subsystem is according to institute State loan application data and the target air control model judge the demand for loan whether by the step of after, further include：If the demand for loan is by the way that the credit subsystem sends the second prompting message to institute through the examination ＆ verification subsystem Loan user is stated, second prompting message does not pass through cause information including demand for loan by notification information and.
- The measures and procedures for the examination and approval 6. tourism industry according to claim 3 is provided a loan, it is characterised in that targeted customer's credit information Including the target accrediting amount, the credit subsystem send make loans instruction to it is described make loans subsystem the step of after, further include：The credit subsystem updates the target accrediting amount, to obtain remaining amount；The credit subsystem generation loan passes through information, and sends the loan through the examination ＆ verification subsystem and pass through information to institute Loan user is stated, the loan communication information includes loan and passes through notification message and the remaining amount.
- The approval system 7. a kind of tourism industry is provided a loan, it is characterised in that it includes：Subsystem is audited, for receiving the credit request of credit user submission, the credit request includes credit application materials, awards Letter demand and user information；The examination ＆ verification subsystem, is additionally operable to judge whether the credit application materials are complete；The examination ＆ verification subsystem, if it is complete to be additionally operable to the credit application materials, sends the credit demand to the credit Subsystem, and the credit application materials are uploaded to the system database；Credit subsystem, after receiving the credit demand, obtains the credit application money from the system database Material, and according to the credit application materials and default tourism industry feature information architecture air control model；The credit subsystem, is additionally operable to judge whether the credit demand passes through according to the air control model；The credit subsystem, if be additionally operable to the credit demand by, the accrediting amount is calculated according to the air control model, and User's credit information is generated according to the accrediting amount, user's credit information includes the user information, user's letter Breath is corresponding with the air control model；The credit subsystem, is additionally operable to feed back user's credit information to the credit user through the examination ＆ verification subsystem.
- The approval system 8. tourism industry according to claim 7 is provided a loan, it is characterised in that the examination ＆ verification subsystem, is also used In periodically transmission data updating prompt message to the credit user.
- The approval system 9. tourism industry according to claim 7 is provided a loan, it is characterised in that it further includes subsystem of making loans；The examination ＆ verification subsystem, is additionally operable to receive the loan requests that loan user submits, the loan requests include loan application Data, current user information and demand for loan；The examination ＆ verification subsystem, is additionally operable to judge whether and the matched targeted customer's information of the current user information, institute State targeted customer's information and correspond to targeted customer's credit information；The examination ＆ verification subsystem, if be additionally operable in the presence of with the matched targeted customer's information of the current user information, audit institute Whether complete state loan application data；The examination ＆ verification subsystem, if being additionally operable to the loan application complete data, sends the loan requests to the credit Subsystem；The credit subsystem, is additionally operable to after receiving the loan requests, obtains corresponding with targeted customer's credit information Target air control model；The credit subsystem, is additionally operable to judge the loan need according to the loan application data and the target air control model Seeking Truth is no to be passed through；The credit subsystem, if being additionally operable to the demand for loan by the way that transmission, which is made loans, to be instructed to the subsystem of making loans.
- The approval system 10. tourism industry according to claim 9 is provided a loan, it is characterised in that the examination ＆ verification subsystem, is also used If in there is no with the matched targeted customer's information of the current user information, feed back the first prompting message to it is described loan use Family, first prompting message include loan failure information and loan failure cause information.
- The approval system 11. tourism industry according to claim 9 is provided a loan, it is characterised in that the credit subsystem, is also used If in the demand for loan not by described through examination ＆ verification subsystem second prompting message of transmission to the loan user Second prompting message does not pass through cause information including demand for loan by notification information and.
- The approval system 12. tourism industry according to claim 9 is provided a loan, it is characterised in that targeted customer's credit letter Breath includes the target accrediting amount；The credit subsystem, is additionally operable to update the target accrediting amount, to obtain remaining amount；The credit subsystem, is additionally operable to generation loan and passes through information, and sends the loan through the examination ＆ verification subsystem and pass through To the loan user, the loan communication information includes loan and passes through notification message and the remaining amount information.
- 13. a kind of terminal, it is characterised in that it includes processor, the memory with processor coupling；It can realize that claim 1-6 any one of them tourism industry loan is examined when the processor and the memory operation The method of criticizing.
- 14. a kind of storage medium, is stored thereon with routine data, it is characterised in that when described program data are executed by processor, Realize the step in claim 1-6 any one of them tourism industry loan measures and procedures for the examination and approval.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711086608.0A CN107967649A (en) | 2017-11-07 | 2017-11-07 | A kind of the tourism industry loan measures and procedures for the examination and approval, system, terminal and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711086608.0A CN107967649A (en) | 2017-11-07 | 2017-11-07 | A kind of the tourism industry loan measures and procedures for the examination and approval, system, terminal and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107967649A true CN107967649A (en) | 2018-04-27 |
Family
ID=61999943
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711086608.0A Pending CN107967649A (en) | 2017-11-07 | 2017-11-07 | A kind of the tourism industry loan measures and procedures for the examination and approval, system, terminal and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107967649A (en) |
Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108711101A (en) * | 2018-05-22 | 2018-10-26 | 考拉征信服务有限公司 | A kind of loan transaction method, apparatus, system and electronic equipment |
| CN108765133A (en) * | 2018-05-22 | 2018-11-06 | 考拉征信服务有限公司 | The demand for loan and matched method, apparatus of loan product, system and storage medium |
| CN109191274A (en) * | 2018-06-27 | 2019-01-11 | 深圳市买买提信息科技有限公司 | A kind of checking method and air control platform |
| CN109446772A (en) * | 2018-09-03 | 2019-03-08 | 平安国际融资租赁有限公司 | Accrediting amount calculation method, device, computer equipment and storage medium |
| CN109508949A (en) * | 2018-10-09 | 2019-03-22 | 四川航天信息有限公司 | A kind of credit Methods of initial evaluation of sci-tech and device |
| CN109544264A (en) * | 2018-10-17 | 2019-03-29 | 深圳壹账通智能科技有限公司 | Financial loan product recommended method, device, computer equipment and storage medium |
| CN109544318A (en) * | 2018-10-12 | 2019-03-29 | 深圳壹账通智能科技有限公司 | Generation method, device, computer equipment and the storage medium of air control report |
| CN109727115A (en) * | 2018-05-18 | 2019-05-07 | 深圳壹账通智能科技有限公司 | Credit handles method, apparatus, equipment and readable storage medium storing program for executing |
| CN109816340A (en) * | 2019-01-04 | 2019-05-28 | 深圳壹账通智能科技有限公司 | Resource approval method, system, computer equipment and storage medium |
| CN110084694A (en) * | 2019-04-03 | 2019-08-02 | 平安普惠企业管理有限公司 | A kind of order allocation method and relevant device based on data processing |
| CN110197429A (en) * | 2019-06-06 | 2019-09-03 | 苏宁消费金融有限公司 | A kind of consumer finance syndicated loan method for intelligently routing and system |
| CN110610413A (en) * | 2019-09-03 | 2019-12-24 | 福建省农村信用社联合社 | Loan transaction risk control method and system |
| CN112396517A (en) * | 2020-12-04 | 2021-02-23 | 深圳前海微众银行股份有限公司 | ETC card management method, device and system and computer storage medium |
| CN112396518A (en) * | 2020-12-04 | 2021-02-23 | 深圳前海微众银行股份有限公司 | Medicine credit granting management method, device, system and computer storage medium |
| CN113450201A (en) * | 2020-03-25 | 2021-09-28 | 上海欧冶金融信息服务股份有限公司 | Rapid credit granting application security verification system and method |
| CN116630033A (en) * | 2023-07-20 | 2023-08-22 | 杭银消费金融股份有限公司 | Information auditing method, system and storage medium |
| CN110020786B (en) * | 2019-03-11 | 2023-10-31 | 创新先进技术有限公司 | Service processing and wind control identification method, device and equipment |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5611052A (en) * | 1993-11-01 | 1997-03-11 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
| CN101685526A (en) * | 2008-09-28 | 2010-03-31 | 阿里巴巴集团控股有限公司 | Loan permission assessment method and system |
| CN103150672A (en) * | 2013-04-09 | 2013-06-12 | 长沙钢为网络科技有限公司 | Bank quick credit granting system and method |
| CN106780012A (en) * | 2016-12-29 | 2017-05-31 | 深圳微众税银信息服务有限公司 | A kind of internet credit methods and system |
-
2017
- 2017-11-07 CN CN201711086608.0A patent/CN107967649A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5611052A (en) * | 1993-11-01 | 1997-03-11 | The Golden 1 Credit Union | Lender direct credit evaluation and loan processing system |
| CN101685526A (en) * | 2008-09-28 | 2010-03-31 | 阿里巴巴集团控股有限公司 | Loan permission assessment method and system |
| CN103150672A (en) * | 2013-04-09 | 2013-06-12 | 长沙钢为网络科技有限公司 | Bank quick credit granting system and method |
| CN106780012A (en) * | 2016-12-29 | 2017-05-31 | 深圳微众税银信息服务有限公司 | A kind of internet credit methods and system |
Non-Patent Citations (1)
| Title |
|---|
| 安丰辉: "商业银行小微企业信贷业务风险管理研究", 《中国优秀硕士学位论文全文数据库（硕士）》 * |
Cited By (19)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109727115A (en) * | 2018-05-18 | 2019-05-07 | 深圳壹账通智能科技有限公司 | Credit handles method, apparatus, equipment and readable storage medium storing program for executing |
| CN108711101A (en) * | 2018-05-22 | 2018-10-26 | 考拉征信服务有限公司 | A kind of loan transaction method, apparatus, system and electronic equipment |
| CN108765133A (en) * | 2018-05-22 | 2018-11-06 | 考拉征信服务有限公司 | The demand for loan and matched method, apparatus of loan product, system and storage medium |
| CN109191274A (en) * | 2018-06-27 | 2019-01-11 | 深圳市买买提信息科技有限公司 | A kind of checking method and air control platform |
| CN109446772A (en) * | 2018-09-03 | 2019-03-08 | 平安国际融资租赁有限公司 | Accrediting amount calculation method, device, computer equipment and storage medium |
| CN109508949A (en) * | 2018-10-09 | 2019-03-22 | 四川航天信息有限公司 | A kind of credit Methods of initial evaluation of sci-tech and device |
| CN109544318A (en) * | 2018-10-12 | 2019-03-29 | 深圳壹账通智能科技有限公司 | Generation method, device, computer equipment and the storage medium of air control report |
| CN109544264A (en) * | 2018-10-17 | 2019-03-29 | 深圳壹账通智能科技有限公司 | Financial loan product recommended method, device, computer equipment and storage medium |
| CN109816340A (en) * | 2019-01-04 | 2019-05-28 | 深圳壹账通智能科技有限公司 | Resource approval method, system, computer equipment and storage medium |
| CN110020786B (en) * | 2019-03-11 | 2023-10-31 | 创新先进技术有限公司 | Service processing and wind control identification method, device and equipment |
| CN110084694A (en) * | 2019-04-03 | 2019-08-02 | 平安普惠企业管理有限公司 | A kind of order allocation method and relevant device based on data processing |
| CN110084694B (en) * | 2019-04-03 | 2023-10-24 | 深圳市弘裕金联科技有限公司 | Order distribution method based on data processing and related equipment |
| CN110197429A (en) * | 2019-06-06 | 2019-09-03 | 苏宁消费金融有限公司 | A kind of consumer finance syndicated loan method for intelligently routing and system |
| CN110610413A (en) * | 2019-09-03 | 2019-12-24 | 福建省农村信用社联合社 | Loan transaction risk control method and system |
| CN113450201A (en) * | 2020-03-25 | 2021-09-28 | 上海欧冶金融信息服务股份有限公司 | Rapid credit granting application security verification system and method |
| CN112396517A (en) * | 2020-12-04 | 2021-02-23 | 深圳前海微众银行股份有限公司 | ETC card management method, device and system and computer storage medium |
| CN112396518A (en) * | 2020-12-04 | 2021-02-23 | 深圳前海微众银行股份有限公司 | Medicine credit granting management method, device, system and computer storage medium |
| CN116630033A (en) * | 2023-07-20 | 2023-08-22 | 杭银消费金融股份有限公司 | Information auditing method, system and storage medium |
| CN116630033B (en) * | 2023-07-20 | 2023-11-07 | 杭银消费金融股份有限公司 | Information auditing method, system and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN107967649A (en) | A kind of the tourism industry loan measures and procedures for the examination and approval, system, terminal and storage medium | |
| US11741513B2 (en) | Supply chain finance system | |
| US11334942B2 (en) | Supply chain finance system | |
| Brown et al. | Credit reporting, relationship banking, and loan repayment | |
| US7680696B1 (en) | Computer processing system for facilitating the order, purchase, and delivery of products | |
| US7249080B1 (en) | Investment advice systems and methods | |
| US8140431B1 (en) | Dynamic financial liability management | |
| US20130332340A1 (en) | Systems and Methods for Monitoring and Optimizing Credit Scores | |
| US20060085334A1 (en) | Dynamic financial liability management | |
| US20060190370A1 (en) | System and method for evaluating and managing participatory real estate investments and transactions | |
| US20160027106A1 (en) | Computer-based peer-to-peer rotating savings and lending allowing for a revolver-type credit system and method | |
| AU2013221926A1 (en) | Methods and systems for consumer lending | |
| US20190295174A1 (en) | Automatic collateral exchange for rehypothecated collateral | |
| US20020138381A1 (en) | Individually managed accounts with multiple style allocation options | |
| US7356497B1 (en) | Systems, apparatus and methods for establishing a flat fee brokerage account system | |
| US20130318006A1 (en) | Rolling settlement for tri party transactions | |
| US20200258158A1 (en) | System and method for providing virtual social banking networks by a platform utilizing artificial intelligence and blockchain technology | |
| US7319985B2 (en) | Loan product and system and method for providing and monitoring a loan product | |
| CN107122964A (en) | A kind of refund information processing method and device | |
| CN111985966A (en) | Intelligent merchant marketing management system and method | |
| Senge | The system dynamics national model investment function: a comparison to the neoclassical investment function. | |
| Li et al. | Coordination in a Single‐Supplier, Multi‐Retailer Distribution System: Supplier‐Facilitated Transshipments | |
| CN113095810A (en) | Block chain-based digital asset transaction method and system | |
| Gao et al. | Expert imitation in P2P markets | |
| US20230245237A1 (en) | Systems and methods for allocating assets to directed and interest-based participants |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180427 |
|
| RJ01 | Rejection of invention patent application after publication |