WO2019237565A1

WO2019237565A1 - Loan service processing method and apparatus, computer device and readable storage medium

Info

Publication number: WO2019237565A1
Application number: PCT/CN2018/107903
Authority: WO
Inventors: 徐艳芳
Original assignee: 平安科技（深圳）有限公司
Priority date: 2018-06-12
Filing date: 2018-09-27
Publication date: 2019-12-19
Also published as: CN108805697A

Abstract

A loan service processing method and apparatus, a computer device and a readable storage medium. Said method comprises: a bank client end acquiring identity information regarding a user and entering same into a banking system (120), the banking system detecting, according to the identity information regarding the user, whether the user is qualified to apply for a loan (130), and if it is detected that the user is qualified, the bank client end entering acquired financial situation information regarding the user into the banking system (150), and the banking system performing loan scoring on the user according to the financial situation information in a preset scoring manner, so as to obtain a loan score result corresponding to the user (160), and issuing a loan according to the loan score result (170). This method optimizes the process of a loan service transaction, avoiding the time consumed in recording customers who are unqualified, improving the efficiency of loan service transactions.

Description

Loan business processing method, device, computer equipment and readable storage medium

This application affirms the priority of the Chinese patent application filed on June 12, 2018 with the application number of CN 2018105984039 and the name "processing method, device, computer equipment and readable storage medium for loan business", and the entirety of the Chinese patent application The contents are incorporated herein by reference.

Technical field

The present application relates to the field of communication technology, and relates to a method, an apparatus, a computer device, and a readable storage medium for processing a loan business.

Background technique

At present, when applying for a loan business, the user needs to go to the bank outlet in person to handle it. The user submits to the bank clerk various information required for the loan business and paper copies of corresponding certification materials, including the user's ID card, job , Position, education, marital status, income level, etc., the bank clerk collects all necessary materials and enters the user's information into the banking system as the corresponding information for the loan business, and then the banking system approves the loan business based on the information corresponding to the loan business . There are several problems with this process of loan business processing: (1) After collecting all relevant materials of the user, the bank clerk enters the information, and then the banking system begins to process the loan business. There is a lot of required information and certification materials. The material collection process takes a long period of time and is inefficient. In addition, a large number of users in actual life do not have the hard qualifications for handling loan business at all. Collecting and entering into the banking system is absolutely unnecessary, and the overall efficiency of business processing is low. (2) Banks currently collect user-related materials in paper form, which is tedious and easy to cause data loss and leakage. (3) Users need to personally go to bank outlets to submit materials and handle business. In actual life, because the number of bank outlets is small, the working hours are relatively fixed, and usually there are more people in the service outlets during the working hours. And other problems, which cause users to spend a lot of cost and experience is poor.

Summary of the Invention

The purpose of this application is to provide a loan business processing method, device, computer equipment, and readable storage medium, so as to improve the convenience, processing efficiency, and information security of loan business processing.

This application solves the above technical problems through the following technical solutions:

A loan business processing method includes:

Receive user identity information corresponding to the loan business entered by the client of the branch, the user identity information is the identity of the user who applied for the loan business collected by the client of the branch, and the client of the branch is the client used by the bank clerk to log in;

Detect whether the user has the qualification for loan processing according to the user's identity information;

When it is detected that the user has the qualification for loan processing, the result of the review is fed back to the client of the outlet;

The economic status information corresponding to the loan business entered by the client of the receiving network after receiving the approval result, and the economic status information is used to reflect the economic status of the user applying for the loan business;

According to the preset scoring method, the user is given a loan scoring according to the economic situation information to obtain the user's corresponding loan scoring result;

Disburse loans based on loan scoring results.

In order to achieve the above object, the present application further provides a loan service processing device, which includes:

The first information receiving module is configured to receive user identity information corresponding to the loan service entered by the client of the branch. The user identity information is the identity of the user who applied for the loan service collected by the client of the branch. The client of the branch is used by the bank clerk to log in Client

Qualification detection module, used to detect whether the user has the qualification for loan processing according to the user identity information;

The result feedback module is used to feed back the results of the review to the client of the outlet when it is detected that the user has the qualification for loan processing;

The second information receiving module is configured to receive the economic status information corresponding to the loan business entered by the client of the network after receiving the verification result, and the economic status information is used to reflect the economic status of the user applying for the loan business;

A loan scoring module, configured to perform a loan scoring on a user according to a preset scoring method according to economic status information to obtain a user's corresponding loan scoring result;

The loan disbursement module is used to disburse loans according to the results of loan scoring.

In order to achieve the above object, the present application further provides a computer device including a memory, a processor, and a computer program stored on the memory and executable on the processor. The processor executes the computer program to implement the following steps of the loan service processing method :

Disburse loans based on loan scoring results.

In order to achieve the above object, the present application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by at least one processor, the following steps of the loan service processing method are implemented:

Disburse loans based on loan scoring results.

The positive progress effect of this application lies in:

1. This application optimizes the process of loan business. It is not necessary to enter all the user's information into the banking system for approval. Instead, enter the user's identity information to review the loan processing qualification. After the approval, the user's Economic status information is used for loan scoring. When the loan qualification verification fails, it is no longer necessary to enter economic status information and follow-up operations are no longer required. This avoids the time spent entering non-compliant customers and improves loan business processing. s efficiency. At the same time, in the process of the bank system using user identity information to verify the qualification of loan processing, it can simultaneously collect economic status information, shorten the time period for information collection, and further improve the efficiency of loan business processing.

2. After the bank clerk uses the portable branch terminal to log in to the branch client, he can process the user's loan business application anytime and anywhere when the network is available. The user does not need to go to the bank branch to handle the loan, which improves the convenience of the loan business.

3. After the loan qualification review and loan scoring are completed, the bank clerk can upload an image copy of the loan business materials using the branch client, or the user can use the user client to upload an image copy of the loan business materials, which can be anytime, anywhere You can upload image copies in batches, without waiting for all materials to be submitted before submission. It is not limited by time and place, and avoids the risk of leakage or loss caused by the time process of collecting materials. In addition, the user's own uploading method allows users to face the banking system directly, avoiding the risk of material loss and theft due to intermediate links, and higher security, on the other hand, it also reduces the bank's labor costs.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 shows a flowchart of an embodiment of a loan service processing method of the present application.

FIG. 2 shows a schematic diagram of a program module of an embodiment of a loan service processing device of the present application.

FIG. 3 is a schematic diagram of a program module of another embodiment of the loan application processing device of the present application.

FIG. 4 is a schematic diagram of a hardware architecture of an embodiment of a computer device according to the present application.

detailed description

In order to make the purpose, technical solution, and advantages of the present application clearer, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the application, and are not used to limit the application. Based on the embodiments in the present application, all other embodiments obtained by a person of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

Example one

Please refer to FIG. 1. This embodiment provides a method for processing a loan service. This embodiment introduces the method through an interaction process between a banking system, a branch client, and a user client, and includes the following steps:

In step 110, the branch client establishes a connection with the banking system. The branch client is the client used by the bank clerk to log in. The bank clerk has the right to log in to each business handling page provided by the bank system, but ordinary users do not have this right. When a user applies for a loan business, the bank clerk logs in to the loan business application page provided by the banking system through the branch client. The branch client can be a business application application or browser provided by the bank.

Step 120: The branch client collects user identity information of a user who applies for a loan business, and the branch client enters the user identity information into the banking system as the user identity information corresponding to the loan service.

The user identity information is usually the information recorded on the valid identity document of the user applying for the loan business. The valid identity document includes, but is not limited to, a resident identity card, passport, military officer's card, foreign residence permit, etc. The user identity information includes but is not limited to User ’s name, gender, ethnicity, birthday, ID number and address, etc.

There are three main ways for the client to collect user identity information from the branch client: (1) When the bank clerk enters the user identity information in the form of the user's valid identity document in the client at the branch client, the branch client collects the text User identity information. (2) The branch client is installed on the branch terminal. The branch terminal is usually a portable device such as a tablet computer. It is convenient for the bank clerk to bring it to the user for processing. The branch terminal has a camera function and the branch terminal takes a valid ID of the user. The picture enables the client of the network to collect user identity information in the form of a picture, and the banking system performs image recognition on the picture to obtain the user identity information. (3) Similar to situation (2), the outlet terminal takes a picture of the user's valid identity document, and the outlet terminal performs image recognition to obtain the user identity information, so that the outlet client can collect the user identity information in text form. The application does not limit the specific collection method.

In step 130, the banking system detects whether the user has the qualification for loan processing according to the user identity information. The evaluation of the loan processing qualification mainly includes two parts: identity information verification query and credit evaluation.

In the identity information verification and query part, the banking system verifies the authenticity of the user's identity information. Specifically, almost all current banking systems are networked with the database of the Ministry of Public Security. The database of the Ministry of Public Security records real-name information related to each citizen. The system sends the user identity information to the Ministry of Public Security database for verification. The Ministry of Public Security database will check whether the user identity information matches the recorded information. If they match, it means that the user identity information is true, otherwise it means that the user identity information is false. The Ministry of Public Security database will query The results are fed back to the banking system, which can determine the authenticity of the user's identity information based on the results returned by the Ministry of Public Security database.

After the identity information verification and query part is executed, if the banking system determines that the user's identity information is authentic, the banking system continues to evaluate the user's credit; if the banking system determines that the user's identity information is false, the banking system directly determines that the user does not have the qualification for loan processing. Continue to the credit rating section.

The specific process of the credit evaluation part is as follows:

(1) Most of the current banking systems are connected to the credit reporting platform. If the banking system can use the credit reporting platform to obtain the user's credit report, the banking system sends user identity information to the credit reporting platform. The credit reporting platform can be the People's Bank of China. Center, National Enterprise Credit Information Disclosure System, etc.

(2) The credit information platform receives the user identity information, and inquires and generates the user's credit report based on the user identity information. The credit report usually includes personal information, credit transaction information and other information. The credit transaction information usually includes credit record summary, Asset disposal information, credit card information, loan information, guarantee information, and public records. Other information mainly includes personal provident fund and pension information. The credit reporting platform returns the generated credit report to the banking system.

(3) The banking system receives the user's credit report returned from the credit reporting platform and performs a credit evaluation on the user according to the preset policy according to the credit report. The preset policy can be customized.

For example, a preset strategy for credit evaluation is: the bank system queries whether the credit report includes bad credit records. The bad credit records mainly include: overdue records of credit cards, housing loans, auto consumption loans and personal consumption loans, civil judgments. , Enforcement, administrative penalties, etc. When the credit report does not include the bad credit record, it is determined that the credit rating is passed. When the bad credit record is included, it is determined that the credit rating is not passed. Or, when the number of items of the bad credit record is less than the set number, it is determined that the credit rating is passed. Otherwise, it will not pass.

After executing the credit evaluation part, if the banking system determines that the user's credit rating is passed, the banking system determines that the user has the loan processing qualification; if the banking system determines that the user's credit rating has failed, the banking system determines that the user does not have the loan processing qualification.

Step 140: When it is detected that the user has the qualification for loan processing, the banking system feeds back the result of the audit to the client of the outlet. The client of the outlet continues to perform the following steps after receiving the result of the audit. When it is detected that the user does not have the qualification for loan processing, the banking system feeds back the review rejection result to the client of the branch. After the client of the branch receives the review rejection result, it is not necessary to enter the relevant information about the loan business in the banking system. The banking system You can further delete all the information that the loan business has entered, that is, the banking system does not need to process the loan business in the future.

In step 150, when the client of the outlet receives the result of the audit, the client's economic status information is entered into the banking system as the economic status information corresponding to the loan business, and the economic status information is used to reflect the user applying for the loan business. Economic status, including but not limited to at least one of the nature of the user's work unit, position, working life, education, marital status, income level, housing situation, debt situation, and real estate information under the name. For the method for the network client to collect the user's economic status information, refer to the method for collecting user identity information in step 120, which is not described in this application. In addition, the branch client can begin to collect economic status information after the user submits an application for a loan business. During the bank system's process of testing the loan processing qualification of the user, the branch client also collects the economic status information simultaneously.

In step 160, the banking system verifies the authenticity of the economic status information, usually using some third-party systems connected to the banking system to verify, for example, the "Chinese Higher Education Student Information Consulting System" to verify the authenticity of the education level. Another example is to verify the authenticity of real estate information through the "Real Estate Authority System". This application does not give examples one by one. When the banking system verifies that there is false information in the economic status information, the result is returned to the outlet client to prompt for modification.

When the banking system verifies that all the information in the economic status information is real-time, the banking system uses the preset scoring method to score the user's loan according to the economic status information to obtain the user's corresponding loan scoring result. The preset scoring method can be determined by the bank. System customization. For example, one scoring method is: first assign different highest scores to various pieces of information in the economic status information, and then assign different scores to various options corresponding to each piece of information. An example is: the total score of the loan is 100 points, the education level in the set economic status information is 10 points, the unit nature is 15 points, the number of working years is 15 points, the income level is 20 points, the housing situation is 20 points, Deposits and investments account for 20 points. Among them, for the education level, it is further set: 10 points for graduate students and above, 7 points for undergraduates, 5 points for colleges, 3 points for high schools / secondary schools, and 1 point for others. For example, for deposits and investments, further setting: 20 points above 300,000, 12 points for 100,000 to 300,000, 8 points for 100,000 or more, 3 points for 50,000 to 100,000, and 0 points for 50,000 or less. . After the definition is completed, the score of each piece of information in the user's economic status information can be determined, and the total score obtained by the addition is the user's loan scoring result.

Step 170: The higher the score of the user ’s loan scoring result, the better the user ’s economic status and the better the repayment ability of the user. Therefore, different loan scoring results correspond to different loan amounts, and the corresponding relationship between the loan scoring results and the loan amount It can be customized, for example, it can be defined as: the loan scoring result corresponds to a loan amount of 30w in the range of 71 to 80 points, the loan scoring result corresponds to a loan amount of 20w in the range of 61 to 70 points, and so on. The banking system issues loans based on the user's loan scoring result. For example, when the user's loan scoring result is 65, the banking system can determine to issue a 20w loan for the user; or in actual situations, when the user applies for a loan business, he usually applies The loan amount, for example, if the user applies for a loan of 15w, the banking system detects that the loan amount corresponding to the user's loan scoring result exceeds the loan amount applied by the user, and issues the loan amount applied to the user. If the user's loan scoring result corresponds to the loan If the amount does not reach the loan amount applied by the user, the banking system may issue the highest loan amount to the user or prompt the user to supplement the economic status information and re-score the loan. For example, when the user's loan scoring result is 65 points, the banking system can determine that the corresponding loan amount is 20w. When the user applies for a loan amount of 15w, the banking system can issue a 15w loan to the user.

Step 180: After the loan qualification review and loan scoring are completed, image copies of all loan business materials related to the loan business need to be entered into the banking system and stored in the bank system corresponding to the loan business through the material upload page provided by the banking system as materials. For backup and certification, the loan business materials include the user's valid ID and proof of the information in the economic status information. Bank clerks and ordinary users have the authority to upload pages for login materials provided by the banking system. The image copy entry method includes the following two cases:

In the first case, a copy of the image is entered by the bank clerk. In this case, the bank clerk logs in to the material upload page provided by the banking system through the branch client, and the banking system provides the material upload page to the branch client. The branch client obtains an image copy of the loan business material and uploads the page through the material. The image copy is entered into the banking system as the image copy corresponding to the loan business. The outlet client obtains the image copy through the outlet terminal where the outlet is located. The outlet terminal can obtain the image copy of the loan business material by shooting or scanning.

In the second case, the image copy is entered by the user applying for the loan business. In this case, the outlet client provides the identification code to the user client. The user client is the client used by the user to log in. The user client is installed on the user terminal. The user terminal is a smartphone or tablet used by the user. device of. The identification code provided by the branch client to the user client includes the page address of the material upload page provided by the banking system. The identification code can be in the form of a two-dimensional code or a bar code. In addition, to ensure security, the identification code has a certain validity period. , The generated time will expire when reaching the preset time, and the preset time can be customized. The user client obtains an image copy of the loan business materials. Similar to the first case, the user client also obtains the image copy through the user terminal where it is located. The user client's identification code or scanning is performed by means of the camera module built into the user terminal. Two-dimensional code. When the user client identifies the identification code provided by the outlet client, the banking system provides the user client with a material upload page so that the user client jumps to the material upload page, and then the user client enters a copy of the image into the banking system. A copy of the image corresponding to the loan business.

Whether it is an image copy uploaded by a bank clerk or an image copy uploaded by the user, you can upload all the image copies at once or upload them in batches. When obtaining image copies of some materials, you can upload them first without waiting for the complete materials. Upload anywhere, anytime, and some can be uploaded by a bank clerk and some users can upload it by themselves.

Example two

A method for processing a loan service in this embodiment. This embodiment introduces the method through an execution process of a banking system, and includes the following steps:

Step 1: Receive user identity information corresponding to the loan service entered by the branch client. The user identity information is the identity information of the user who applies for the loan business collected by the branch client. The branch client is the client used by the bank clerk to log in.

Step 2: Check whether the user has the qualification for loan processing according to the user identity information.

Step 3: When it is detected that the user has the qualification for loan processing, the result of the review is fed back to the outlet client.

Step 4. When it is detected that the user does not have the qualification for loan processing, the result of the review and rejection is fed back to the client of the outlet, and the information corresponding to the loan business is deleted.

Step 5: Receive the economic status information corresponding to the loan business entered by the client of the outlet after receiving the verification result, and the economic status information is used to reflect the economic status of the user applying for the loan business.

Step 6. According to the preset scoring method, the user is given a loan scoring according to the economic status information to obtain a loan scoring result corresponding to the user.

Step 7. Disburse the loan based on the loan scoring result.

Step 8. Provide the material upload page to the branch client and receive an image copy corresponding to the loan business entered by the branch client on the material upload page. The image copy is an image copy of the loan business loan material obtained by the branch client. Alternatively, when the user client identifies the identification code provided by the outlet client, provide the user client with a material upload page and receive a copy of the image corresponding to the loan business entered by the user client on the material upload page, and the identification code includes the material upload page The page address, image copy is an image copy of the loan business material of the loan business obtained by the user client, and the user client is the client used by the user to log in. Among them, the loan business materials include the user's valid identity document and the proof of the information in the economic status information.

The specific method and process for the bank system to implement the loan service processing method of this embodiment by performing the above steps 1-8 can refer to the contents of the above-mentioned first embodiment. This embodiment will not be expanded in detail and will not be described in the drawings.

Example three

Please refer to FIG. 2, which illustrates a loan business processing device. In this embodiment, the loan business processing device 200 may include or be divided into one or more program modules, and the one or more program modules are stored in a storage medium. And is executed by one or more processors, and the loan service processing method executed by the banking system disclosed in the second embodiment has been completed. The program module referred to in the present application refers to a series of computer program instruction segments capable of performing specific functions, and is more suitable for describing the execution process of the loan business processing device 200 in a storage medium than the program itself. The following description will specifically introduce the functions of the program modules of this embodiment:

The first information receiving module 210 is configured to receive user identity information corresponding to the loan service entered by the client of the branch. The user identity information is the identity of the user who applies for the loan service collected by the client of the branch. The client of the branch is a bank clerk login. Client used.

The qualification detection module 220 is configured to detect whether the user has the qualification for loan processing according to the user identity information. The qualification detection module 220 includes the following sub-modules, please refer to FIG. 3:

A verification sub-module 221 for verifying the authenticity of the user identity information;

An execution sub-module 222 is configured to send user identity information to the credit information platform when it is determined that the user identity information is true; when it is determined that the user identity information is false, determine that the user does not have the qualification for loan processing;

The evaluation sub-module 223 receives the credit report of the user returned by the credit reporting platform and performs a credit evaluation on the user according to the preset report according to a preset policy. The credit report is queried and generated based on the user identification information after the credit reporting platform receives the user identity information. report;

The determination sub-module 224 determines that the user has the qualification for loan processing when it is determined that the credit evaluation has passed; and determines that the user does not have the qualification for loan processing when it is determined that the credit evaluation has failed.

The result feedback module 230 is configured to feed back the approval result to the client of the outlet when it is detected that the user has the qualification for loan processing.

The review and rejection module 240 is configured to feed back the result of the review and rejection to the outlet client when it is detected that the user does not have the loan processing qualification, and delete the information corresponding to the loan business.

The second information receiving module 250 is configured to receive the economic status information corresponding to the loan business entered by the client of the network after receiving the verification result, and the economic status information is used to reflect the economic status of the user applying for the loan business.

The loan scoring module 260 is configured to obtain a loan scoring result corresponding to the user by scoring the loan to the user according to the economic status information according to a preset scoring method.

The loan issuing module 270 is configured to issue a loan according to a loan scoring result.

Example 4

Please refer to FIG. 4. This embodiment provides a computer device. FIG. 4 is a schematic diagram of a hardware architecture of the embodiment of the computer device. The computer device is implemented as a banking system in this patent. In this embodiment, the computer device is a device capable of automatically performing information processing according to an instruction set or stored in advance. The computer equipment may be implemented by a rack server, a blade server, a tower server, or a rack server (including an independent server or a server cluster composed of multiple servers). As shown in the figure, the computer device 400 includes at least, but not limited to, a memory 410, a processor 420, and a network interface 430 that can be communicatively connected to each other through a system bus. among them:

The memory 410 includes at least one type of computer-readable storage medium. The readable storage medium includes a flash memory, a hard disk, a multimedia card, a card-type memory (for example, SD or DX memory, etc.), a random access memory (RAM), and a static random access memory. (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic memory, magnetic disks, optical disks, etc. In some embodiments, the memory 410 may be an internal storage module of the computer device 400, such as a hard disk or a memory of the computer device 400. In other embodiments, the memory 410 may also be an external storage device of the computer device 400, for example, a plug-in hard disk, a Smart Media Card (SMC), and a Secure Digital (Secure Digital, SD) card, Flash card, etc. Of course, the memory 410 may also include both the internal storage module of the computer device 400 and its external storage device. In this embodiment, the memory 410 is generally used to store an operating system and various application software installed on the computer device 400, such as program code of the loan service processing apparatus 200 provided in the third embodiment. In addition, the memory 410 may also be used to temporarily store various types of data that have been output or are to be output.

The processor 420 may be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chip in some embodiments. The processor 420 is generally used to control the overall operations of the computer device 400, for example, to perform control and processing related to data interaction or communication with the computer device 400. In this embodiment, the processor 420 is configured to run program code or process data stored in the memory 21, for example, program code of the loan service processing device 200 provided in the third embodiment.

The network interface 430 may include a wireless network interface or a wired network interface. The network interface 430 is generally used to establish a communication connection between the computer device 400 and other electronic devices. For example, the network interface 430 is used to connect the computer device 400 with an external terminal through a network, and establish a data transmission channel and a communication connection between the computer device 400 and the external terminal. The network can be an intranet, the Internet, a Global System for Mobile Communication (GSM), a Wideband Code Division Multiple Access (WCDMA), a 4G network, a 5G network, Wireless or wired networks such as Bluetooth and Wi-Fi.

It should be noted that FIG. 4 only shows a computer device 400 having a memory 410, a processor 420, and a network interface 430, but it should be understood that it is not required to implement all the illustrated components, and more or Fewer parts.

Example 5

This embodiment provides a computer-readable storage medium. The computer-readable storage medium stores program code of the loan service processing apparatus 200 provided in Embodiment 3. When the loan service processing apparatus 200 is executed by one or more processors, The method for processing a loan service provided in the second embodiment is implemented.

Through the description of the above embodiments, those skilled in the art can clearly understand that the methods in the above embodiments can be implemented by means of software plus a necessary universal hardware platform, and of course, also by hardware, but in many cases the former is better. Implementation.

The above are only preferred embodiments of the present application, and thus do not limit the patent scope of the present application. Any equivalent structure or equivalent process transformation made using the contents of the description and drawings of the application, or directly or indirectly used in other related technical fields Are included in the scope of patent protection of this application. .

Claims

A method for processing loan business, characterized in that the method includes:

Receive user identity information corresponding to a loan service entered by a branch client, the user identity information is identity information of a user who applies for the loan business collected by the branch client, and the branch client is a bank clerk who logs in to use Client

Detecting whether the user has the qualification for loan processing according to the user identity information;

When it is detected that the user has the qualification for loan processing, feedback the approval result to the outlet client;

Receiving the economic status information corresponding to the loan business entered by the network client after receiving the audit result, the economic status information is used to reflect the economic status of the user applying for the loan business;

Perform a loan scoring on the user according to the economic status information according to a preset scoring method to obtain a loan scoring result corresponding to the user;

A loan is issued based on the loan scoring result.
The method according to claim 1, further comprising:

Providing the website client with a material upload page, and receiving a copy of the image corresponding to the loan business entered by the website client on the material upload page, the image copy is the loan obtained by the website client Image copies of loan business materials for the business;

Alternatively, when the user client recognizes the identification code provided by the outlet client, a material upload page is provided to the user client, and a corresponding one of the loan services entered by the user client on the material upload page is received. An image copy, the identification code including a page address of the material upload page, the image copy is an image copy of the loan business material of the loan business obtained by the user client, and the user client is the The client used by the user to log in;

Wherein, the loan business material includes a valid identity document of the user and certification information of the information in the economic status information.
The method according to claim 2, wherein the identification code provided by the outlet client to the user client becomes invalid when the generated time reaches a preset time.
The method according to any one of claims 1 to 3, wherein the detecting whether the user has the qualification for loan processing according to the user identity information comprises:

Verify and query the authenticity of the user identity information;

When it is determined that the user identity information is true, sending the user identity information to a credit information platform; when it is determined that the user identity information is false, it is determined that the user does not have the qualification for loan processing;

Receiving the credit report of the user returned by the credit reporting platform and performing a credit evaluation on the user according to the credit report according to a preset policy, the credit report is after the credit reporting platform receives the user identity information Query and generate a report according to the user identity information;

When it is determined that the credit assessment is passed, it is determined that the user has the qualification for loan processing; when it is determined that the credit assessment has failed, it is determined that the user does not have the loan processing qualification.
The method according to any one of claims 1 to 3, wherein the economic status information includes the user's unit nature, position, working years, education level, marital status, income level, housing situation, debt situation, and At least one of real estate information.
The method according to any one of claims 1 to 3, wherein the method further comprises:

When it is detected that the user does not have the qualification for loan processing, the result of the review and rejection is fed back to the outlet client, and the information corresponding to the loan business is deleted.
A loan business processing device, characterized in that the device includes:

A first information receiving module is configured to receive user identity information corresponding to a loan service entered by a client of a network branch, where the user identity information is identity information of a user applying for the loan service collected by the client of the network branch, the network The client is the client used by the bank clerk to log in;

A qualification detection module, configured to detect whether the user has the qualification for loan processing according to the user identity information;

A result feedback module, configured to feed back the result of the audit to the client of the outlet when it is detected that the user has the qualification for loan processing;

The second information receiving module is configured to receive economic status information corresponding to the loan business entered by the network client after receiving the audit result, and the economic status information is used to reflect the application for processing the loan business. User's financial situation;

A loan scoring module, configured to perform a loan scoring on the user according to a preset scoring method to obtain a loan scoring result corresponding to the user;

A loan issuing module is configured to issue a loan according to the loan scoring result.
The apparatus according to claim 7, further comprising:

The review and rejection module is configured to, when it is detected that the user does not have the qualification for loan processing, feed back the result of the review and rejection to the outlet client and delete the information corresponding to the loan business.
A computer device, characterized in that the computer device includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and the processor implements loan business processing when the processor executes the computer program The following steps of the method:

Receive user identity information corresponding to a loan service entered by a branch client, the user identity information is identity information of a user who applies for the loan business collected by the branch client, and the branch client is a bank clerk who logs in to use Client

Detecting whether the user has the qualification for loan processing according to the user identity information;

When it is detected that the user has the qualification for loan processing, feedback the approval result to the outlet client;

Receiving the economic status information corresponding to the loan business entered by the network client after receiving the audit result, the economic status information is used to reflect the economic status of the user applying for the loan business;

Perform a loan scoring on the user according to the economic status information according to a preset scoring method to obtain a loan scoring result corresponding to the user;

A loan is issued based on the loan scoring result.
The computer device according to claim 9, wherein the method further comprises:

Providing the website client with a material upload page, and receiving a copy of the image corresponding to the loan business entered by the website client on the material upload page, the image copy is the loan obtained by the website client Image copies of loan business materials for the business;

Alternatively, when the user client recognizes the identification code provided by the outlet client, a material upload page is provided to the user client, and a corresponding one of the loan services entered by the user client on the material upload page is received. An image copy, the identification code including a page address of the material upload page, the image copy is an image copy of the loan business material of the loan business obtained by the user client, and the user client is the The client used by the user to log in;

Wherein, the loan business material includes a valid identity document of the user and certification information of the information in the economic status information.
The computer device according to claim 10, wherein the identification code provided by the outlet client to the user client becomes invalid when the generated time reaches a preset time.
The computer device according to any one of claims 9 to 11, wherein the detecting whether the user has the qualification for loan processing according to the user identity information comprises:

Verify and query the authenticity of the user identity information;

When it is determined that the user identity information is true, sending the user identity information to a credit information platform; when it is determined that the user identity information is false, it is determined that the user does not have the qualification for loan processing;

Receiving the credit report of the user returned by the credit reporting platform and performing a credit evaluation on the user according to the credit report according to a preset policy, the credit report is after the credit reporting platform receives the user identity information Query and generate a report according to the user identity information;

When it is determined that the credit assessment is passed, it is determined that the user has the qualification for loan processing; when it is determined that the credit assessment has failed, it is determined that the user does not have the loan processing qualification.
The computer equipment according to any one of claims 9 to 11, wherein the economic status information includes the user's unit nature, position, working life, education level, marital status, income level, housing status, and debt status And at least one of the real estate information under the name.
The computer device according to any one of claims 9 to 11, wherein the method further comprises:

When it is detected that the user does not have the qualification for loan processing, the result of the review and rejection is fed back to the outlet client, and the information corresponding to the loan business is deleted.
A computer-readable storage medium, characterized in that a computer program is stored in the computer-readable storage medium, and when the computer program is executed by at least one processor, the following steps of a loan service processing method are implemented: input from a network client User identity information corresponding to the loan service of the user, the user identity information is identity information of a user who applies for the loan service collected by the client of the branch, and the client of the branch is a client used by a bank clerk to log in;

Detecting whether the user has the qualification for loan processing according to the user identity information;

When it is detected that the user has the qualification for loan processing, feedback the approval result to the outlet client;

Receiving the economic status information corresponding to the loan business entered by the network client after receiving the audit result, the economic status information is used to reflect the economic status of the user applying for the loan business;

Perform a loan scoring on the user according to the economic status information according to a preset scoring method to obtain a loan scoring result corresponding to the user;

A loan is issued based on the loan scoring result.
The computer-readable storage medium of claim 15, wherein the method further comprises:

Providing the website client with a material upload page, and receiving a copy of the image corresponding to the loan business entered by the website client on the material upload page, the image copy is the loan obtained by the website client Image copies of loan business materials for the business;

Alternatively, when the user client recognizes the identification code provided by the outlet client, a material upload page is provided to the user client, and a corresponding one of the loan services entered by the user client on the material upload page is received. An image copy, the identification code including a page address of the material upload page, the image copy is an image copy of the loan business material of the loan business obtained by the user client, and the user client is the The client used by the user to log in;

Wherein, the loan business material includes a valid identity document of the user and certification information of the information in the economic status information.
The computer-readable storage medium according to claim 16, wherein the identification code provided by the outlet client to the user client becomes invalid when the generated time reaches a preset time.
The computer-readable storage medium according to any one of claims 15 to 17, wherein the detecting whether the user has a loan processing qualification based on the user identity information comprises:

Verify and query the authenticity of the user identity information;

When it is determined that the user identity information is true, sending the user identity information to a credit information platform; when it is determined that the user identity information is false, it is determined that the user does not have the qualification for loan processing;

Receiving the credit report of the user returned by the credit reporting platform and performing a credit evaluation on the user according to the credit report according to a preset policy, the credit report is after the credit reporting platform receives the user identity information Query and generate a report according to the user identity information;

When it is determined that the credit assessment is passed, it is determined that the user has the qualification for loan processing; when it is determined that the credit assessment has failed, it is determined that the user does not have the loan processing qualification.
The computer-readable storage medium according to any one of claims 15 to 17, wherein the economic status information includes the user's unit nature, position, working years, education level, marital status, income level, and housing status At least one of debt information and real estate information under the name.
The computer-readable storage medium according to any one of claims 15 to 17, wherein the method further comprises:

When it is detected that the user does not have the qualification for loan processing, the result of the review and rejection is fed back to the outlet client, and the information corresponding to the loan business is deleted.