CN109472683A - Customer lending qualification generation method, server and readable storage medium storing program for executing - Google Patents
Customer lending qualification generation method, server and readable storage medium storing program for executing Download PDFInfo
- Publication number
- CN109472683A CN109472683A CN201710810121.6A CN201710810121A CN109472683A CN 109472683 A CN109472683 A CN 109472683A CN 201710810121 A CN201710810121 A CN 201710810121A CN 109472683 A CN109472683 A CN 109472683A
- Authority
- CN
- China
- Prior art keywords
- client
- scoring
- made loans
- qualification
- loans
- 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
- 238000012797 qualification Methods 0.000 title claims abstract description 116
- 238000000034 method Methods 0.000 title claims abstract description 46
- 230000005540 biological transmission Effects 0.000 claims abstract description 8
- 230000002045 lasting effect Effects 0.000 claims description 35
- 238000013507 mapping Methods 0.000 claims description 7
- 238000004891 communication Methods 0.000 description 6
- 238000011156 evaluation Methods 0.000 description 5
- 238000010586 diagram Methods 0.000 description 4
- 238000011161 development Methods 0.000 description 2
- 230000018109 developmental process Effects 0.000 description 2
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 2
- 239000010931 gold Substances 0.000 description 2
- 229910052737 gold Inorganic materials 0.000 description 2
- 238000012549 training Methods 0.000 description 2
- PEDCQBHIVMGVHV-UHFFFAOYSA-N Glycerine Chemical compound OCC(O)CO PEDCQBHIVMGVHV-UHFFFAOYSA-N 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 210000000056 organ Anatomy 0.000 description 1
- 230000004044 response Effects 0.000 description 1
- 238000012502 risk assessment Methods 0.000 description 1
- 238000013077 scoring method Methods 0.000 description 1
- 230000033772 system development Effects 0.000 description 1
- XLYOFNOQVPJJNP-UHFFFAOYSA-N water Substances O XLYOFNOQVPJJNP-UHFFFAOYSA-N 0.000 description 1
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
Abstract
The invention discloses a kind of customer lending qualification generation method, server and readable storage medium storing program for executing, the customer lending qualification generation method includes: that the identity information of client to be made loans is obtained according to loan requests when receiving the loan requests of user terminal transmission；According to the identity information, age and the permanent residence place city of client to be made loans are obtained；If the age of client to be made loans is greater than or equal to default minimum, and city where permanent residence is consistent with the applicant city where the user terminal, then according to the identity information and the associated air control information of the identity information, generates the loan qualification of client to be made loans.The present invention greatly improves the examination & approval efficiency and accuracy rate of loan approval process, can preferably adapt to the increasing customer lending demand of loan financial system.
Description
Technical field
The present invention relates to financial services system technical field more particularly to a kind of customer lending qualification generation methods, service
Device and readable storage medium storing program for executing.
Background technique
With the development of the communication technology and software system development, software systems are gradually applied to financial field, especially exist
Loan financial field has obtained relatively broad application.Common loan financial system fills out single process, signing to loan into realization
Process, process of making loans carry out electronization and automation, there is no customer lending qualification is identified and generated automatically, need to borrow
The approving person in shop of knocking on a door manually is examined, and related suggestions made after examination is uploaded to loan financial system, part system is again through two
Grade approving person manually examines again, the final loan qualification for determining client.But there is examination & approval low efficiency, go out in artificial examination & approval
The higher technical problem of error rate can not adapt to the increasing customer lending demand of loan financial system.
Summary of the invention
The main purpose of the present invention is to provide a kind of customer lending qualification generation method, server and readable storage mediums
Matter, it is intended to solve loan financial system and manually examine in the presence of examination & approval low efficiency, the higher technical problem of error rate.
To achieve the above object, the embodiment of the present invention provides a kind of customer lending qualification generation method, the customer lending
Qualification generation method includes:
When receiving the loan requests of user terminal transmission, the identity information of client to be made loans is obtained according to loan requests；
According to the identity information, age and the permanent residence place city of client to be made loans are obtained；
If the age of client to be made loans is greater than or equal to default minimum, and city and the user terminal institute where permanent residence
Applicant city it is consistent, then according to the identity information and the associated air control information of the identity information, generate client to be made loans
Loan qualification.
Optionally, described according to the identity information and the associated air control information of the identity information, generate client to be made loans
Loan qualification the step of include:
According to the identity information of client to be made loans, the identity scoring of client to be made loans is determined, wherein identity information includes year
It is one or more in age, educational background and household register；
According to the identity information of client to be made loans, the wind of client to be made loans is obtained from bank credit system or third party system
Information is controlled, and determines that the air control of client to be made loans is scored according to air control information；
According to identity scoring and air control scoring, the loan qualification of client to be made loans is generated.
Optionally, the identity information of basis client to be made loans determines the step of identity of client to be made loans scores:
If the age of client to be made loans is in default age range, client age initial score to be made loans is assigned, wherein in advance
If the minimum value of age range is default minimum, maximum value is default maximum；
If the age of client to be made loans is greater than default maximum, according to the difference at the age of client to be made loans and default maximum
Value carries out deduction to age initial score, and wherein the difference is bigger, and deduction is more；By age initial score or deduction, treated
Age initial score is as the first scoring；
It according to the educational background of client to be made loans, assigns and is somebody's turn to do the scoring of client second to be made loans, wherein educational background is higher, the second scoring is got over
It is high；
According to the first scoring and the second scoring, the identity scoring of client to be made loans is determined.
Optionally, described according to the first scoring and the second scoring, determine that the step of identity of client to be made loans scores includes:
Judge whether the household register of client to be made loans is consistent with applicant city, if the household register of client to be made loans and applicant city one
It causes, then assigns client's third scoring to be made loans；
By the sum of the first scoring, the second scoring and third scoring, the identity as client to be made loans scores.
Optionally, described the step of scoring according to identity scoring and air control, generate the loan qualification of client to be made loans, includes:
According to the identity information of client to be made loans, the job information of client to be made loans is obtained, according to the job information, really
The work of fixed client to be made loans is scored, and wherein job information includes one continued in income proof, work proof and job category
Item is multinomial；
According to identity scoring, work scoring and air control scoring, the loan qualification of client to be made loans is generated.
Optionally, described according to the job information, determine that the step of work of client to be made loans is scored includes:
If proving to determine that the lasting income months of client to be made loans are greater than or equal to default months based on lasting income, assign
It gives client to be made loans and persistently takes in scoring；
If the work unit based on the clearly fixed client to be made loans of employee's card belongs to default unit white list, assign wait make loans
The scoring of Client Work unit；
If the job category of client to be made loans is to award firewood class, assigns client to be made loans and award firewood scoring；
According to the scoring of lasting income, work unit's scoring and firewood scoring is awarded, determines the work scoring of client to be made loans.
Optionally, it is described assign client to be made loans persistently take in scoring the step of after further include:
It is scored according to the difference of the lasting income months of client to be made loans and default months lasting income and carries out bonus point,
In the difference it is bigger, bonus point is more；The lasting income scoring of bonus point is scored as new lasting income.
Optionally, described to be scored according to identity scoring, work scoring and air control, generate the loan qualification of client to be made loans
Step includes:
Obtain the scoring summation of identity scoring, work scoring and air control scoring；
The refund status data and loaning bill intention data for obtaining client to be made loans, according to refund status data and loaning bill intention
Data are modified the scoring summation；
It according to revised scoring summation, is searched in preset scoring qualification mapping table, by revised scoring summation
Corresponding qualification identifies the loan qualification as client to be made loans.
The present invention also provides a kind of server, the server includes: memory, processor and is stored in the memory
Customer lending qualification that is upper and can running on the processor generates program, and it is described that the customer lending qualification generates program
It realizes when processor executes such as the step of above-mentioned customer lending qualification generation method.
The present invention also provides a kind of readable storage medium storing program for executing, the generation of customer lending qualification is stored on the readable storage medium storing program for executing
Program, the customer lending qualification generate when program is executed by processor and realize the step of above-mentioned customer lending qualification generates.
The present invention is by obtaining client's to be made loans according to loan requests when receiving the loan requests of user terminal transmission
Identity information, and according to identity information, age and the permanent residence place city of client to be made loans are obtained, then in client to be made loans
Age be greater than or equal to default minimum, and when city where permanent residence is consistent with the applicant city where user terminal, according to
Identity information and the associated air control information of the identity information, automatically generate the loan qualification of client to be made loans, without carrying out
Complicated cumbersome artificial examination & approval, or can artificial examination & approval be provided with the customer lending qualification of reference value of having very much, it greatly promotes
The examination & approval efficiency and accuracy rate of loan approval process, can preferably adapt to the increasing customer lending of loan financial system needs
It asks.
Detailed description of the invention
The hardware structural diagram of Fig. 1 each embodiment one optional server to realize the present invention；
Fig. 2 is the flow diagram of one embodiment of customer lending qualification generation method of the present invention；
Fig. 3 is the refinement flow diagram of mono- embodiment of step S30 in Fig. 2；
Fig. 4 is the refinement flow diagram of mono- embodiment of step S31 in Fig. 3.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
In subsequent description, it is only using the suffix for indicating such as " module ", " component " or " unit " of element
Be conducive to explanation of the invention, itself there is no a specific meaning.Therefore, " module ", " component " or " unit " can mix
Ground uses.
User terminal is substantially terminal device, and terminal can be implemented in a variety of manners.For example, user described in the present invention
End may include such as mobile phone, tablet computer, laptop, palm PC, personal digital assistant (Personal Digital
Assistant, PDA) etc. the fixed terminals such as mobile terminals, and number TV, desktop computer.
As shown in Figure 1, server of the present invention may include: processor 1001, such as CPU, network interface 1004, Yong Hujie
Mouth 1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is logical for realizing the connection between these components
Letter.User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), and optional user connects
Mouth 1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include the wired of standard
Interface, wireless interface (such as WI-FI interface).Memory 1005 can be high speed RAM memory, be also possible to stable memory
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
Optionally, server can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, sound
Frequency circuit, WiFi module etc..Wherein, sensor such as optical sensor, motion sensor and other sensors.
It will be understood by those skilled in the art that server architecture shown in Fig. 1 does not constitute the restriction to server, it can
To include perhaps combining certain components or different component layouts than illustrating more or fewer components.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe that module, Subscriber Interface Module SIM and customer lending qualification generate program.
In server shown in Fig. 1, network interface 1004 is mainly used for connecting parent server and database, with higher level
Server and database carry out data communication；User interface 1003 be mainly used for connect client (user terminal), with client into
Row data communication；And processor 1001 can be used for that the customer lending qualification stored in memory 1005 is called to generate program, and
Execute following operation:
When receiving the loan requests of user terminal transmission, the identity information of client to be made loans is obtained according to loan requests；
According to the identity information, age and the permanent residence place city of client to be made loans are obtained；
If the age of client to be made loans is greater than or equal to default minimum, and city and the user terminal institute where permanent residence
Applicant city it is consistent, then according to the identity information and the associated air control information of the identity information, generate client to be made loans
Loan qualification.
In addition, processor 1001 can be used for that the customer lending qualification stored in memory 1005 is called to generate program, and
Execute above-mentioned each embodiment step of customer lending qualification generation method.
The present invention also provides a kind of customer lending qualification generation method, which is mainly used in
In the loan financial system of server, in one embodiment of customer lending qualification generation method, referring to Fig. 2, customer lending qualification
Generation method includes:
Step S10 obtains the body of client to be made loans according to loan requests when receiving the loan requests of user terminal transmission
Part information；
User terminal is generally located in loan shops (computer that such as mobile phone shop, electric appliance market China and foreign countries stay), provides a loan when having
After the client of demand enters loan shops and field sales representative communication, the user terminal that representative of sales & marketing enters shops logs in loan gold
Melt system, so that user terminal sends loan requests to server, before sending loan requests, representative of sales & marketing can there will be demand for loan
The related identification information of client is uploaded to server, and identity information includes: identity card scanned copy, name, age, native place, work
Address, work unit, my contact method, associate people (such as relative, friend) contact method etc..When server receives use
The loan requests that family end is sent, parse loan requests, obtain the identity letter of client to be made loans entrained by loan requests
Breath, wherein loan requests be representative of sales & marketing's user terminal in shops log in loan financial system fill in it is transmitted after necessary data
's.
Step S20 obtains age and the permanent residence place city of client to be made loans according to identity information；
After the loan requests for receiving user terminal transmission, can first judge whether city where user terminal is experimental city,
If city where user terminal is not experimental city, the auditor that can continue to use the default of loan financial system interviews confirmation client and borrows
Money qualification carries out subsequent step process if city where user terminal is experimental city, such as executes step S20.Experimental city
Setting principle is: resident's relevant information degree in city, such as three or four line cities, and social security, common reserve fund, annuity are paid not
It is very universal, enterprise units operation registration is not very regular, working condition relevant for the identity information of loan customer, income
State can not be obtained accurately, be unfavorable for the evaluation of customer lending qualification, therefore experimental city is not done in three or four line cities generally；On the contrary
, a tier 2 cities (such as Beijing, Shanghai, Guangzhou, Shenzhen city) are conducive to the evaluation of customer lending qualification, therefore a two wires city
Generally do experimental city in city.
After loan financial system receives identity information, identity information is analyzed, obtains client's to be made loans
City where age and permanent residence.Specifically, client to be made loans can be calculated according to identity card relevant information in identity information
Age, can according in identity information permanent residence register information or identity-based information from government system (such as public security system,
Banking system, social security sector etc.) obtain city where the permanent residence of client to be made loans.
Step S30, if the age of client to be made loans is greater than or equal to default minimum, and city and user where permanent residence
Applicant city where holding is consistent, then according to identity information and the associated air control information of the identity information, generates client to be made loans
Loan qualification.
The age for comparing client to be made loans and city and user terminal institute where default minimum (such as 25 years old) and permanent residence
Applicant city show that client age to be made loans is less than normal if the age of client to be made loans is less than default minimum, be not suitable for gold
Melt loan, the age of client such as to be made loans, client can not also accurately recognize form and the client couple of financial credit less than 25 years old
The repaying ability of loan is limited, therefore such client does not have loan qualification or loan qualification is poor；If client to be made loans is permanent
City where ground is inconsistent with applicant city, and showing this application client only is short stay in applicant city, is unfavorable for subsequent loan
Follow-up of money during refund, if the applicant city of client is Shenzhen, but city where the permanent residence of the client is Shanghai,
The client is possible in the presence of higher bad credit, if client returns to Shanghai after Shenzhen is borrowed money again, if refunding not in time, increases considerably
Urge money cost and difficulty.So city and user where being less than default minimum or permanent residence at the age of client to be made loans
Applicant city where holding is inconsistent, does not generate loan qualification to the client to be made loans.
If the age of client to be made loans is greater than or equal to default minimum, and where city where permanent residence and user terminal
Applicant city is consistent, then obtains the identity information pair from the financial systems such as banking system or petty load platform according to identity information
The air control information of client is answered, which may include reference report, loan documentation, record of refunding, bad credit record etc..And then root
According to identity information and the associated air control information of the identity information, the loan qualification of client to be made loans is generated, wherein loan qualification
Higher grade, shows that the credit risk of the client is lower, which is top-tier customer；Air control information it is the better, the client's
Qualification grade of providing a loan is higher.
Herein it should be noted that loan qualification is not refund to client or the class letter of overdue refund risk size,
Such as loan qualification includes to rascal fabulous, outstanding, good, medium, poor by good, the loan qualification of client is by good to bad, the visitor
Family do not refund or overdue refund risk is gradually increased, i.e., it is medium visitor that loan qualification, which is outstanding client A than loan qualification,
Family B do not refund or overdue refund risk is small, relative to client B, provide a loan safer, more difficult generation bad credit, more to client A
It is easy to produce income.
In the present embodiment, by being obtained wait put according to loan requests when receiving the loan requests of user terminal transmission
The identity information of money client, and according to identity information, obtain client to be made loans age and permanent residence where city, then to
Make loans age of client is greater than or equal to default minimum, and city where permanent residence is consistent with the applicant city where user terminal
When, according to identity information and the associated air control information of the identity information, the loan qualification of client to be made loans is automatically generated, thus nothing
Complicated cumbersome artificial examination & approval need to be carried out, or can artificial examination & approval be provided with the customer lending qualification of reference value of having very much, greatly
The examination & approval efficiency and accuracy rate of loan approval process are improved greatly, can preferably adapt to the increasing client of loan financial system
Demand for loan.
Further, in another embodiment of customer lending qualification generation method of the present invention, root in reference Fig. 3, step S30
According to identity information and the associated air control information of the identity information, the step of generating the loan qualification of client to be made loans, includes:
Step S31 determines the identity scoring of client to be made loans, wherein identity is believed according to the identity information of client to be made loans
Breath includes one or more in age, educational background and household register；
Step S32 is obtained from bank credit system or third party system wait make loans according to the identity information of client to be made loans
The air control information of client, and determine that the air control of client to be made loans is scored according to air control information；
Step S33 scores according to identity scoring and air control, generates the loan qualification of client to be made loans.
According to age, educational background and the household register in the identity information of client to be made loans, the identity scoring of client to be made loans is determined,
It can determine that the base identity of client to be made loans scores according to educational background, such as 60 points of training educational background, undergraduate course academic 70 points, master's educational background 80
Point, doctor's educational background 90 points etc.；Age and household register further according to client to be made loans are modified base identity scoring, such as older
In 50 years old, every increase by 1 years old increased default score value (such as 1 point) to base identity scoring；Meanwhile it can be according to the household register of client to be made loans
It whether is setting city household register (such as setting city includes Beijing, Shanghai), if the household register of client to be made loans is setting city family
Nationality shows that the client has certain household register regional superiority, then scores base identity and carry out bonus point, or judge client to be made loans
Household register whether matched with the applicant city where user terminal, if where city where the household register of client to be made loans is exactly user terminal
Applicant city, show the client to be made loans again local borrow or lend money, borrow money not being also possible to property it is relatively low, can score base identity
Carry out bonus point.
Furthermore it can be according to the identity information of client to be made loans, from bank credit system or third party system (such as petty load
Credit platform and shopping platform etc.) the air control information of client to be made loans is obtained (such as record of borrowing money, record of refunding, bad credit record
Deng), and determine that the air control of client to be made loans is scored according to air control information, wherein the refund record of client is good, bad credit records less,
It borrows money relatively more, air control scoring is higher.Finally, scoring according to identity scoring and air control, the loan money of client to be made loans is generated
Matter such as calculates the sum of identity scoring and air control scoring, and then control inquiry scoring and loan qualification mapping table, generate visitor to be made loans
The loan qualification at family, for example, 700 points or more loan qualifications of scoring are splendid, 600 points to 700 timesharing loan qualifications it is good, 600 points with
Under be that loan qualification is good, if calculating the sum of identity scoring and air control scoring at this time is 710 points, it is determined that and generate visitor to be made loans
The loan qualification at family is splendid.
It in the present embodiment, is that identity scoring and air control are scored by identity information and air control information refinement, thus according to body
Part scoring and air control scoring, loan qualification that is corresponding determining and generating client to be made loans, are made loans with detailed-oriented scoring to treat
The loan qualification of client is evaluated, and the accuracy of loan qualification evaluation is improved.
Specifically, include: referring to Fig. 4, step S31
Step S311 assigns client age to be made loans and initially comments if the age of client to be made loans is in default age range
Point, wherein the minimum value of default age range is default minimum, maximum value is default maximum；
Step S312 according to the age of client to be made loans and is preset if the age of client to be made loans is greater than default maximum
The difference of maximum carries out deduction to age initial score, and wherein the difference is bigger, and deduction is more；By age initial score or subtract
Age initial score that point treated is as the first scoring；
Step S313 is assigned according to the educational background of client to be made loans and is somebody's turn to do the scoring of client second to be made loans, wherein educational background is higher,
Second scoring is higher；
Step S314 determines the identity scoring of client to be made loans according to the first scoring and the second scoring.
In identity-based acquisition of information after the age for the client that makes loans, judge whether the age of client to be made loans is in default
Age range, the default age range will exclude age too low low age, income instability crowd, it is excessively high also to exclude the age
Advanced age, the unstable crowd of physical condition, such as default age range are 25 years old to 50 years old, i.e., default minimum is 25, preset pole
Big value is 50.If the age of client to be made loans is in default age range, show that the client age to be made loans does not constitute loan wind
Danger assigns client age initial score to be made loans (such as age initial score is the best result of age scoring, such as 100 points).
If the age of client to be made loans is greater than default maximum, according to the difference at the age of client to be made loans and default maximum
Value carries out deduction to age initial score, and wherein the difference is bigger, and deduction is more；Such as the age of client to be made loans is 55 years old,
Greater than default maximum 5 years old, unit age deduction 10 was divided, then deduction treated age initial score is 50 points, thus first
Scoring is 50 points.
If the age of client to be made loans is less than default minimum, show that the age of client to be made loans is less than normal, does not have year
Age initially divides or the first scoring, carries out veto by one vote system, i.e. the age is less than the client to be made loans of default minimum without loan
Qualification.
While acquisition first is scored or later, according to the educational background of client to be made loans, assigning should client second be made loans
Scoring, as the second scoring of training educational background is 60 points, the second scoring of undergraduate course educational background is 70 points, the second scoring of master's educational background is 80 points,
The second scoring of doctor's educational background is 90 points, wherein educational background is higher, loan repayment capacity is stronger, and the second scoring is higher.And it is commented obtaining first
Divide and score with the identity for the determining client to be made loans that after the second scoring, can be scored according to the first scoring and second, such as first comments
Divide and the second scoring is scored later as identity scoring, first and second scoring obtained score conduct in conjunction with other factors
Identity scoring；To the present embodiment refined identity scoring method of determination, can integrate the age and educational background two aspect into
The identity of row client to be made loans is assessed.
Further, step S314 includes:
Judge whether the household register of client to be made loans is consistent with applicant city, if the household register of client to be made loans and applicant city one
It causes, then assigns client's third scoring to be made loans；
By the sum of the first scoring, the second scoring and third scoring, the identity as client to be made loans scores.
In addition to based on client to be made loans age and educational background obtain the first scoring and second scoring other than, can also obtain to
Make loans the household register of client, judge client to be made loans household register whether with application credit society applicant city it is whether consistent, if to
Make loans client household register it is consistent with applicant city, show that client to be made loans borrows money with being in permanent residence or native place, client to be made loans
In household register relatives and friends are more, and overdue refund or the social cost or reputation cost do not refunded are larger, thus overdue refund or
The risk that do not refund is relatively low, it is possible to assign client's third scoring to be made loans；Conversely, if the household register of client to be made loans with
Applicant city is inconsistent, and client to be made loans is then less in view of social cost or reputation cost are larger, then overdue to refund or do not go back
The risk of money is larger.After client to be made loans is endowed third scoring, the first scoring, the second scoring and third are scored it
With, as client to be made loans identity score, thus by the household register of client to be made loans also comprehensively consider identity scoring in, into one
Step improves objectivity, the accuracy that the overdue refund of the client that makes loans or risk assessment of not refunding are treated in identity scoring.
Further, step S33 includes:
Step S331 obtains the job information of client to be made loans according to the identity information of client to be made loans, is believed according to work
Breath determines the work scoring of client to be made loans, and wherein job information is proved including lasting income, in work proof and job category
It is one or more；
Step S332 scores according to identity scoring, work scoring and air control, generates the loan qualification of client to be made loans.
The loan qualification of client to be made loans is other than considering identity scoring and air control scoring, it is also contemplated that wait make loans
Client Work situation can obtain the job information of client to be made loans according to the identity information of client to be made loans, such as according to wait make loans
Identification card number, name, photo of client etc. inquire the social security record of client to be made loans, from bank reference system from social security bureau
System inquires job category and the work unit's (such as work proves) of client to be made loans, so as to determine according to job information
The work of client to be made loans is scored.And then comprehensive identity scoring, work scoring and air control scoring, more comprehensively, objectively generate
The loan qualification of client to be made loans.
Optionally, in step S331 according to job information, the step of determining the work scoring of client to be made loans includes:
If proving to determine that the lasting income months of client to be made loans are greater than or equal to default months based on lasting income, assign
It gives client to be made loans and persistently takes in scoring；
If the work unit based on the clearly fixed client to be made loans of employee's card belongs to default unit white list, assign wait make loans
The scoring of Client Work unit；
If the job category of client to be made loans is to award firewood class, assigns client to be made loans and award firewood scoring；
According to the scoring of lasting income, work unit's scoring and firewood scoring is awarded, determines the work scoring of client to be made loans.
It is proved according to the lasting income in the job information of client to be made loans, obtains the lasting income moon of client to be made loans
Number, such as determined according to bank's flowing water of client to be made loans, social security successive tranche months, common reserve fund successive tranche months wait make loans
The lasting income months of client.If the lasting income months of client to be made loans are greater than or equal to default months (such as 12 months), table
The income of bright client to be made loans is lasting and more stable, and overdue refund or the risk that do not refund are smaller, can assign visitor to be made loans
Scoring is persistently taken at family.It is proved according to the work of client to be made loans, obtains the title of its work unit, judge client's to be made loans
It (includes that management state is preferable, profit is more, development is held in the unit white list that whether work unit, which belongs to default unit white list,
Continue stable work unit, such as the famous private enterprise, public institution or government organs), if the job note of client to be made loans
In the data unit white list of position, work unit where showing client to be made loans is more stable and income is relatively high, can assign
Client Work unit scoring to be made loans.
Meanwhile the income fluctuation risk for awarding firewood class life is much smaller than self-employed businessman, so awarding the overdue refund of firewood class work
Or the risk that do not refund is smaller, if the job category of client to be made loans is to award firewood class, assigns client to be made loans and awards firewood scoring.From
And can be scored according to the lasting income of client to be made loans, firewood scoring is scored and be awarded in work unit, more objective and accurately determine
The work of client to be made loans is scored, and the accuracy of the loan qualification evaluation or production of client to be made loans is further improved.
In addition, after assigning the step of client to be made loans persistently takes in scoring further include:
It is scored according to the difference of the lasting income months of client to be made loans and default months lasting income and carries out bonus point,
In the difference it is bigger, bonus point is more；The lasting income scoring of bonus point is scored as new lasting income.
The lasting income months of client to be made loans are greater than default months and numerical value is bigger, show that the income of the client is more stable
Continue, can score the lasting income of the client to be made loans and carry out bonus point, the lasting income scoring of bonus point is continued as new
Income scoring.In addition, lasting income scoring can also comprehensively consider housing loan refund months if client to be made loans has housing loan,
Housing loan refund months are more, more to the bonus point of lasting income scoring, can will be based on persistently taking in months and housing loan refund months
New lasting income scoring after bonus point, make that the lasting income of client to be made loans score obtains more client and accurately.
In addition, the step of scoring according to identity scoring, work scoring and air control, generate the loan qualification of client to be made loans packet
It includes:
Obtain the scoring summation of identity scoring, work scoring and air control scoring；
After identity scoring M1, the work scoring M2 and air control scoring M3 for getting client to be made loans, score identity
M1, work scoring M2 and air control scoring M3 add up, and obtain the scoring summation of three, such as the identity scoring of client to be made loans
M1 is 90 points, work scoring M2 is 90 points, air control scoring is 90 points, then the scoring summation for being somebody's turn to do client to be made loans is 270 points.
The refund status data and loaning bill intention data for obtaining client to be made loans, according to refund status data and loaning bill intention
Data are modified scoring summation；
After obtaining the scoring summation of client to be made loans, check and obtain the client to be made loans refund status data and
Loaning bill intention data, can be determined according to refund status data the client to be made loans to repayment amount, table more to repayment amount
The bright client to be made loans should not more be provided a loan again, to get over more to repayment amount to the negative sense amendment of scoring summation
Greatly, i.e., more to repayment amount, it is more to the deduction of scoring summation.Meanwhile it can be determined and be somebody's turn to do wait make loans according to loaning bill intention data
The loaning bill intention amount of client, the loaning bill intention amount for being somebody's turn to do client to be made loans is bigger, bigger to the positive amendment of scoring summation, i.e.,
Loaning bill intention amount is bigger, more to the bonus point of scoring summation.
For example, the scoring summation of client to be made loans is 270 points, if obtaining the client's to be made loans based on refund status data
It is 1000 yuan to repayment amount, then scoring summation deduction 5 is divided, the current summation that scores is 265 points；If being based on refund status data
Obtain the client to be made loans is 5000 yuan to repayment amount, then divides scoring summation deduction 25, the current summation that scores is 245
Point；If being 5000 yuan based on the loaning bill intention amount that loaning bill intention data obtains the client to be made loans, to scoring summation bonus point
10 points, the current summation that scores is 280 points；If being based on the loaning bill intention amount that loaning bill intention data obtains the client to be made loans
20000 yuan, then scoring summation bonus point 40 is divided, the current summation that scores is 310 points.
It according to revised scoring summation, is searched in preset scoring qualification mapping table, by revised scoring summation
Corresponding qualification identifies the loan qualification as client to be made loans.
Revised scoring summation is being obtained, based on the revised scoring summation in preset scoring qualification mapping table
It is searched, wherein the corresponding relationship in scoring section and qualification mark is had recorded in the scoring qualification mapping table, for example, scoring
Section be 300 to 270, qualification be identified as it is fabulous, scoring section be 270 (being free of) to 240, qualification is identified as outstanding；Scoring area
Between for 240 (being free of) to 210, qualification is identified as well；Scoring section is 210 (being free of) to 180, and qualification is identified as medium；It comments
By stages is 180 (being free of) to 150, and qualification is identified as poor.The revised scoring summation of client such as to be made loans is 280 points, base
In scoring qualification mapping table table look-up it is found that 280 points of corresponding qualifications be identified as it is outstanding, then should the loan qualification of client be made loans be
It is outstanding, do not refund the risk of overdue refund or probability it is minimum.
The present embodiment obtaining identity scoring, work scoring and air control scoring scoring summation after, can comprehensively consider to
Making loans the refund status data and loaning bill intention data of client should not be again if the refund state of client to be made loans is not pay off
It borrows money, deduction can be carried out to scoring summation；If the refund state of client to be made loans is to have paid off, can borrow money again, it can be to commenting
Divide summation to carry out bonus point or keeps scoring summation constant.If the loaning bill intention of client to be made loans is strong (as according to client to be made loans
Interview record known to loaning bill intention), and refund state be paid off, can to scoring summation carry out bonus point, thus considering
Except the identity of client to be made loans, work, air control, the newly-increased refund state and loaning bill intention for considering client to be made loans, further
Improve the accuracy and objectivity of loan the qualification evaluation and generation of client to be made loans.
In addition, the embodiment of the present invention also proposes a kind of mobile terminal, the mobile terminal include: memory, processor and
The customer lending qualification that being stored in can run on the memory and on the processor generates program, the customer lending money
Matter generates the step of program realizes each embodiment of above-mentioned customer lending qualification generation method when being executed by the processor.
In addition, the embodiment of the present invention also proposes a kind of readable storage medium storing program for executing, client is stored on the readable storage medium storing program for executing
Qualification of providing a loan generates program, and the customer lending qualification generates and realizes that above-mentioned customer lending qualification is raw when program is executed by processor
The step of embodiment each at method.
The expansion content of the specific embodiment of mobile terminal and readable storage medium storing program for executing of the present invention and above-mentioned mobile terminal are grasped
It is essentially identical to make each embodiment of response method, does not do tired state herein.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the device that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal (can be mobile phone, computer, service
Device, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The embodiment of the present invention is described with above attached drawing, but the invention is not limited to above-mentioned specific
Embodiment, the above mentioned embodiment is only schematical, rather than restrictive, those skilled in the art
Under the inspiration of the present invention, without breaking away from the scope protected by the purposes and claims of the present invention, it can also make very much
Form, all of these belong to the protection of the present invention.
Claims (10)
1. a kind of customer lending qualification generation method, which is characterized in that the customer lending qualification generation method includes:
When receiving the loan requests of user terminal transmission, the identity information of client to be made loans is obtained according to loan requests；
According to the identity information, age and the permanent residence place city of client to be made loans are obtained；
If the age of client to be made loans is greater than or equal to default minimum, and where city where permanent residence and the user terminal
Applicant city is consistent, then according to the identity information and the associated air control information of the identity information, generates the loan of client to be made loans
Money qualification.
2. customer lending qualification generation method as described in claim 1, which is characterized in that it is described according to the identity information and
The associated air control information of the identity information, the step of generating the loan qualification of client to be made loans include:
According to the identity information of client to be made loans, the identity scoring of client to be made loans is determined, wherein identity information includes the age, learns
Go through with it is one or more in household register；
According to the identity information of client to be made loans, the air control letter of client to be made loans is obtained from bank credit system or third party system
Breath, and determine that the air control of client to be made loans is scored according to air control information；
According to identity scoring and air control scoring, the loan qualification of client to be made loans is generated.
3. customer lending qualification generation method as claimed in claim 2, which is characterized in that the body of the basis client to be made loans
Part information determines the step of identity of client to be made loans scores:
If the age of client to be made loans is in default age range, client age initial score to be made loans is assigned, wherein default year
The minimum value in age section is default minimum, maximum value is default maximum；
If the age of client to be made loans is greater than default maximum, according to the difference pair at the age of client to be made loans and default maximum
Age initial score carries out deduction, and wherein the difference is bigger, and deduction is more；By age initial score or deduction treated age
Initial score is as the first scoring；
It according to the educational background of client to be made loans, assigns and is somebody's turn to do the scoring of client second to be made loans, wherein educational background is higher, the second scoring is higher；
According to the first scoring and the second scoring, the identity scoring of client to be made loans is determined.
4. customer lending qualification generation method as claimed in claim 3, which is characterized in that described according to the first scoring and second
Scoring determines that the step of identity of client to be made loans scores includes:
Judge whether the household register of client to be made loans is consistent with applicant city, if the household register of client to be made loans is consistent with applicant city,
Then assign client's third scoring to be made loans；
By the sum of the first scoring, the second scoring and third scoring, the identity as client to be made loans scores.
5. customer lending qualification generation method as claimed in claim 2, which is characterized in that described according to identity scoring and air control
Scoring, the step of generating the loan qualification of client to be made loans include:
According to the identity information of client to be made loans, obtain the job information of client to be made loans, according to the job information, determine to
Make loans client work scoring, wherein job information include continue income prove, work prove and job category in one or
It is multinomial；
According to identity scoring, work scoring and air control scoring, the loan qualification of client to be made loans is generated.
6. customer lending qualification generation method as claimed in claim 5, which is characterized in that it is described according to the job information,
Determine that the step of work of client to be made loans is scored includes:
If proving to determine that the lasting income months of client to be made loans are greater than or equal to default months based on lasting income, assign to
The client that makes loans persistently takes in scoring；
If the work unit based on the clearly fixed client to be made loans of employee's card belongs to default unit white list, client to be made loans is assigned
Work unit's scoring；
If the job category of client to be made loans is to award firewood class, assigns client to be made loans and award firewood scoring；
According to the scoring of lasting income, work unit's scoring and firewood scoring is awarded, determines the work scoring of client to be made loans.
7. customer lending qualification generation method as claimed in claim 6, which is characterized in that it is described assign client to be made loans continue
After the step of income scoring further include:
It is scored according to the difference of the lasting income months of client to be made loans and default months lasting income and carries out bonus point, wherein should
Difference is bigger, and bonus point is more；The lasting income scoring of bonus point is scored as new lasting income.
8. the customer lending qualification generation method as described in claim 5 to 7 any one, which is characterized in that described according to body
Part scoring, work scoring and air control scoring, the step of generating the loan qualification of client to be made loans include:
Obtain the scoring summation of identity scoring, work scoring and air control scoring；
The refund status data and loaning bill intention data for obtaining client to be made loans, according to refund status data and loaning bill intention data
The scoring summation is modified；
According to revised scoring summation, searched in preset scoring qualification mapping table, revised scoring summation is corresponding
Qualification identify loan qualification as client to be made loans.
9. a kind of server, which is characterized in that the server includes: memory, processor and is stored on the memory
And the customer lending qualification that can be run on the processor generates program, the customer lending qualification generates program by the place
It manages when device executes and realizes such as the step of customer lending qualification generation method described in any item of the claim 1 to 8.
10. a kind of readable storage medium storing program for executing, which is characterized in that be stored with customer lending qualification on the readable storage medium storing program for executing and generate journey
Sequence, the customer lending qualification generate when program is executed by processor and realize such as client described in any item of the claim 1 to 8
The step of qualification of providing a loan generates.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710810121.6A CN109472683A (en) | 2017-09-08 | 2017-09-08 | Customer lending qualification generation method, server and readable storage medium storing program for executing |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710810121.6A CN109472683A (en) | 2017-09-08 | 2017-09-08 | Customer lending qualification generation method, server and readable storage medium storing program for executing |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109472683A true CN109472683A (en) | 2019-03-15 |
Family
ID=65657893
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710810121.6A Pending CN109472683A (en) | 2017-09-08 | 2017-09-08 | Customer lending qualification generation method, server and readable storage medium storing program for executing |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109472683A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110070433A (en) * | 2019-03-22 | 2019-07-30 | 平安普惠企业管理有限公司 | Based on data processing loan transaction affiliation method, device and computer equipment |
| CN110276677A (en) * | 2019-04-24 | 2019-09-24 | 武汉众邦银行股份有限公司 | Refund prediction technique, device, equipment and storage medium based on big data platform |
| CN111008273A (en) * | 2019-12-05 | 2020-04-14 | 深圳前海微众银行股份有限公司 | Intelligent service system driving method, device, equipment and readable storage medium |
| CN111383094A (en) * | 2020-03-06 | 2020-07-07 | 深圳前海微众银行股份有限公司 | Product service full-chain driving method, equipment and readable storage medium |
| CN112634025A (en) * | 2020-12-29 | 2021-04-09 | 平安消费金融有限公司 | Wind control rule generation method, device, equipment and computer readable storage medium |
| CN112767121A (en) * | 2020-12-31 | 2021-05-07 | 山东数字能源交易中心有限公司 | Method and device for processing risk level data |
| CN117495552A (en) * | 2024-01-03 | 2024-02-02 | 中国中金财富证券有限公司 | Data processing method and related device for financial business |
| CN117495552B (en) * | 2024-01-03 | 2024-05-10 | 中国中金财富证券有限公司 | Data processing method and related device for financial business |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7962404B1 (en) * | 2007-11-07 | 2011-06-14 | Experian Information Solutions, Inc. | Systems and methods for determining loan opportunities |
| CN105303440A (en) * | 2015-10-12 | 2016-02-03 | 北银消费金融有限公司 | Consumer credit application evaluation system and realizing method thereof |
| CN105427168A (en) * | 2015-12-10 | 2016-03-23 | 中国联合网络通信集团有限公司 | Loan assessment method and system |
| 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
- 2017-09-08 CN CN201710810121.6A patent/CN109472683A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7962404B1 (en) * | 2007-11-07 | 2011-06-14 | Experian Information Solutions, Inc. | Systems and methods for determining loan opportunities |
| CN105303440A (en) * | 2015-10-12 | 2016-02-03 | 北银消费金融有限公司 | Consumer credit application evaluation system and realizing method thereof |
| CN105427168A (en) * | 2015-12-10 | 2016-03-23 | 中国联合网络通信集团有限公司 | Loan assessment method and system |
| 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 |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110070433A (en) * | 2019-03-22 | 2019-07-30 | 平安普惠企业管理有限公司 | Based on data processing loan transaction affiliation method, device and computer equipment |
| CN110276677A (en) * | 2019-04-24 | 2019-09-24 | 武汉众邦银行股份有限公司 | Refund prediction technique, device, equipment and storage medium based on big data platform |
| CN111008273A (en) * | 2019-12-05 | 2020-04-14 | 深圳前海微众银行股份有限公司 | Intelligent service system driving method, device, equipment and readable storage medium |
| CN111383094A (en) * | 2020-03-06 | 2020-07-07 | 深圳前海微众银行股份有限公司 | Product service full-chain driving method, equipment and readable storage medium |
| CN112634025A (en) * | 2020-12-29 | 2021-04-09 | 平安消费金融有限公司 | Wind control rule generation method, device, equipment and computer readable storage medium |
| CN112767121A (en) * | 2020-12-31 | 2021-05-07 | 山东数字能源交易中心有限公司 | Method and device for processing risk level data |
| CN117495552A (en) * | 2024-01-03 | 2024-02-02 | 中国中金财富证券有限公司 | Data processing method and related device for financial business |
| CN117495552B (en) * | 2024-01-03 | 2024-05-10 | 中国中金财富证券有限公司 | Data processing method and related device for financial business |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108335189A (en) | Loan processing method, server and readable storage medium storing program for executing on line | |
| CN109472683A (en) | Customer lending qualification generation method, server and readable storage medium storing program for executing | |
| Desmond et al. | Do the poor pay more for housing? Exploitation, profit, and risk in rental markets | |
| Fourcade et al. | Seeing like a market | |
| MacKenzie | The credit crisis as a problem in the sociology of knowledge | |
| Persson et al. | Equity and efficiency in adaptation finance: Initial experiences of the Adaptation Fund | |
| Guven | Extending pension coverage to the informal sector in Africa | |
| US20170124645A1 (en) | Trust based transaction system | |
| US8744946B2 (en) | Systems and methods for credit worthiness scoring and loan facilitation | |
| CN108335188A (en) | Rate of advance generation method, server and readable storage medium storing program for executing | |
| US20140164218A1 (en) | Risk-related scoring using online social footprint | |
| CN109670936A (en) | Loan examination & approval processing method, platform, equipment and computer readable storage medium | |
| WO2012177786A1 (en) | System and method for locating and accessing account data | |
| CN108596638A (en) | Anti- fraud recognition methods and system based on big data, terminal and storage medium | |
| US11093985B2 (en) | System, devices, and methods for acquiring and verifying online information | |
| CN111461857A (en) | Personal online credit method, device, system, equipment and medium for small and medium-sized banks | |
| Bumacov et al. | The use of credit scoring in microfinance institutions and their outreach | |
| Wambari | Mobile banking in developing countries (a case study on Kenya). | |
| CN110135850A (en) | A kind of information processing method and relevant apparatus | |
| CN113077331A (en) | Personal financial credit evaluation system and method based on big data | |
| Waliszewski et al. | How we can benefit from personal finance management applications during the Covid-19 pandemic? The polish case | |
| Xu et al. | On education level and terms in obtaining P2P funding: New evidence from China | |
| CN101295388A (en) | Credit estimation method and system | |
| Zaidan et al. | Twitter Public Sentiment on Fintech by Using Drone Emprit | |
| Duvendack et al. | Gender inclusivity of India’s digital financial revolution for attainment of SDGs: Macro achievements and the micro experiences of targeted initiatives |
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: 20190315 |
|
| RJ01 | Rejection of invention patent application after publication |