CN101620722A - System for evaluating bank loan risks - Google Patents
System for evaluating bank loan risks Download PDFInfo
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- CN101620722A CN101620722A CN200910115935A CN200910115935A CN101620722A CN 101620722 A CN101620722 A CN 101620722A CN 200910115935 A CN200910115935 A CN 200910115935A CN 200910115935 A CN200910115935 A CN 200910115935A CN 101620722 A CN101620722 A CN 101620722A
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Abstract
The invention relates to a system for evaluating bank loan risks, which comprises a data receiving device, a data storing device, a data processing device and a data output device, wherein the data processing device calls customer loan and deposit related data stored in the data storing device after receiving the request information of customer loans, calculates a loan-deposit aggregate ratio, analyzes and determines loan interest according to the loan-deposit aggregate ratio, and meanwhile deducts a used loan aggregate at this time from a deposit additional aggregate. When a bank customer applies for loans, the system evaluates the risks and determines the loan interest by combining the former deposit information of the customer, effectively improves the accuracy of bank loan risk evaluation, also establishes a deduction system of aggregate related persons, and optimizes the benefit of the bank and the customer.
Description
Technical field
The invention belongs to the banking management system technical field, relate to a kind of system that is used for evaluating bank loan risks.
Background technology
Tradition interest rate price system is that bank carries out the risk status assessment to the loan application people, and according to its risk class and the amount of the loan, key elements such as the length of maturity are set loan interest rate, though the method more scientifically reflects the risk income intension of interest rate, but, because it isolates customer lending and deposit fully, ignored under a competitive financial environment, deposit is only this brass tacks of bank credit funds main source, be unfavorable for transferring the deposit enthusiasm of loan application people before loan, if and the loan application people does not deposit before loan, so, nature is difficult to carry out smoothly the analysis of clients fund stream when investigating before bank borrows, can't effectively differentiate the customer risk situation, so it being carried out risk assessment also is an empty verbiage.
Summary of the invention
The purpose of this invention is to provide a kind of system that is used for evaluating bank loan risks, improved the evaluating bank loan risks accuracy and can decide loan interest according to the customer deposit situation.
The technical solution adopted in the present invention is to achieve the above object of the invention:
A kind of system that is used for evaluating bank loan risks, this system comprises data sink, data storage device, data processing equipment and data output device; Wherein:
Data sink is used to receive the customer deposit information and the loan requests information of entry terminal input and send it to data storage device or data processing equipment;
Data storage device is used to store the data of data sink reception and the data that the data processing equipment processing finishes;
Data processing equipment calls the client's loans and deposits related data that is stored in the data storage device after receiving the customer lending solicited message, calculate to deposit and borrow the product ratio and analyze definite loan interest according to it, the deposit that this loan of deduction is used up in the additional product of deposit is added product simultaneously;
Data output device is used for the data of invoked data of data storage device and data processing equipment processing end are sent to outlet terminal.
Described depositing borrowed product than being the ratio of the additional product of deposit with the loan product.
The additional product of described deposit is the customer deposit amount of money and the product of depositing fate, and the loan product is the product of the customer lending amount of money and loan fate.
The additional product of described deposit by the borrower provided a loan last time the additional product of deposit that fashion do not use and borrower from last time loan day form to the additional product two parts of the new deposit that produces of inquiry day deposit.
The additional product of the deposit that described customer lending is used up can be deducted in the additional product of the deposit of client affiliated person account.
Described affiliated person comprises: I, couple, legal person and legal representative, legal person and legal representative's spouse, parent and child, copartner and unit and the key people of unit.
Described I, couple, legal person and legal representative, legal person and legal representative's spouse's affiliated person concern once foundation, all deposit accounts of borrower and affiliated person are all two-way naturally to be dashed mutually, be that the borrower provides a loan, the additional product of the deposit in the arbitrary account of deductible affiliated person; The affiliated person borrows money, also the additional product of the deposit in the arbitrary account of deductible loans people.
Affiliated person's relation of the crucial people of described parent and child, copartner and unit and unit is through setting up the additional product of deposit in the only deductible affiliated person's destiny account of borrower's loan.
The present invention carries out risk assessment and determines loan interest rate in conjunction with the deposit information before this client when the bank client apply for loan, effectively raise the accuracy of evaluating bank loan risks, the present invention also sets up the product affiliated person and eats up part of system, optimized bank, client both sides' interests.
Embodiment
Set each grade and deposit that to borrow product as follows than corresponding loan interest rate:
| Deposit and borrow the product ratio | Corresponding interest rate (‰) |
| 0.3: below 1 | ??9.900 |
| ??0.3∶1 | ??6.600 |
| ??0.5∶1 | ??6.060 |
| ??1∶1 | ??5.610 |
| ??2∶1 | ??4.920 |
| ??3∶1 | ??4.320 |
Embodiment one:
Certain client on June 1st, 2009 to 300,000 yuan of bank's applys for loan, the length of maturity is 2 months; Data sink is sent to the data storage device storage with information after receiving this request, simultaneously data are sent to data processing equipment, data processing equipment calls the related data that is stored in this client in the data storage device after receiving information: the time that this client provided a loan last time is on January 1st, 2006 at once, stay 8,000,000 yuan of the additional products of deposit behind the loan, after this deposit 100,000 yuan on May 20th, 2007,30 days time limits of deposit; Data processing equipment is calculated at present according to above-mentioned data, and this client's the additional product of deposit is: ten thousand yuan of 800+10 * 30=1100, this client's loan product is: ten thousand yuan of 30 * 60=1800, depositing and borrowing the product ratio is 1,100 ten thousand: 1,800 ten thousand=0.61: 1, each grade that contrast is set deposited and borrowed product than the corresponding downward value of loan interest rate, desirable 0.5: 1, then this customer lending interest rate is 6.060 ‰, the additional product of the deposit that this credit society is used is ten thousand yuan of 30 * 60 * 0.5=900, ten thousand yuan of the additional product 1100-900=200 of residue deposit; Data processing equipment is sent to data storage device stores with data after above-mentioned information processing is finished on the one hand, by data output device data is sent to outlet terminal demonstration or printing on the other hand.
Embodiment two:
Difference of present embodiment and embodiment is to call the related data discovery that is stored in this client in the data storage device after data processing equipment receives the customer lending solicited message: this client also has another account B of client except this account A, this wife's client account C, artificial this client's of authorised representative D of corporation account and artificial this wife's client of authorised representative the E of corporation account, preferential for making the borrower keep former integration number to make its next loan obtain bigger interest rate so, bank is except that can deducting the additional product of this employed deposit of providing a loan from the A account, also can be from B, C, D, but choose at random account in the interlock accounts such as E and deduct from deposit additional credits wherein, other handling procedure is consistent with embodiment one; And the deposit additional credits that C, D, E account possessor loan also can use from the deduction of the deposit additional credits A or B account loan.
Embodiment three
Difference of present embodiment and embodiment is that data processing equipment receives and calls the related data that is stored in this client in the data storage device after the customer lending solicited message and find: also like father, like son except this account A parent's account B of this client, son's account C, copartner's account D, one of crucial people of unit is this client's the account E of unit, F, G, be similarly that to make the borrower keep former integration number to make its next time loan obtain bigger interest rate preferential, bank is except that can deducting the additional product of this employed deposit of providing a loan from the A account, also can be according to the client from B, C, D, E, F, deduct in the deposit additional credits of appointment one account in the G account, and can not from all the other accounts, deduct, other handling procedure is consistent with embodiment one; B, C, D, E, F, the G account possessor deposit additional credits of using of providing a loan then can not be deducted from the deposit additional credits the A account.
Claims (8)
1, the system that is used for evaluating bank loan risks, this system comprises data sink, data storage device, data processing equipment and data output device; Wherein:
Data sink is used to receive the customer deposit information and the loan requests information of entry terminal input and send it to data storage device or data processing equipment;
Data storage device is used to store the data of data sink reception and the data that the data processing equipment processing finishes;
Data processing equipment calls the client's loans and deposits related data that is stored in the data storage device after receiving the customer lending solicited message, calculate to deposit and borrow the product ratio and analyze definite loan interest according to it, the deposit that this loan of deduction is used up in the additional product of deposit is added product simultaneously;
Data output device is used for the data of invoked data of data storage device and data processing equipment processing end are sent to outlet terminal.
2, the system that is used for evaluating bank loan risks according to claim 1 is characterized in that the described loan product ratio of depositing is the ratio of the additional product of deposit with the product of providing a loan.
3, the system that is used for evaluating bank loan risks according to claim 2 is characterized in that the additional product of described deposit is the customer deposit amount of money and the product of depositing fate, and the loan product is the product of the customer lending amount of money and loan fate.
4, the system that is used for evaluating bank loan risks according to claim 2, it is characterized in that the additional product of described deposit by the borrower provided a loan last time the additional product of deposit that fashion do not use and borrower from last time loan day form to the additional product two parts of the new deposit that produces of inquiry day deposit.
5, the system that is used for evaluating bank loan risks according to claim 1 is characterized in that the additional product of deposit that described customer lending uses up can deduct in the additional product of the deposit of client affiliated person account.
6, the system that is used for evaluating bank loan risks according to claim 5 is characterized in that described affiliated person comprises: I, couple, legal person and legal representative, legal person and legal representative's spouse, parent and child, copartner and unit and the key people of unit.
7, the system that is used for evaluating bank loan risks according to claim 6, it is characterized in that I, couple, legal person and legal representative, legal person and legal representative's spouse's affiliated person concern once foundation, all deposit accounts of borrower and affiliated person are all two-way naturally to be dashed mutually, be that the borrower provides a loan, the additional product of the deposit in the arbitrary account of deductible affiliated person; The affiliated person borrows money, also the additional product of the deposit in the arbitrary account of deductible loans people.
8, the system that is used for evaluating bank loan risks according to claim 6, the affiliated person's relation that it is characterized in that the crucial people of parent and child, copartner and unit and unit is through setting up the additional product of deposit in the only deductible affiliated person's destiny account of borrower's loan.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910115935A CN101620722A (en) | 2009-08-04 | 2009-08-04 | System for evaluating bank loan risks |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910115935A CN101620722A (en) | 2009-08-04 | 2009-08-04 | System for evaluating bank loan risks |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101620722A true CN101620722A (en) | 2010-01-06 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200910115935A Pending CN101620722A (en) | 2009-08-04 | 2009-08-04 | System for evaluating bank loan risks |
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| CN (1) | CN101620722A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104376197A (en) * | 2014-10-29 | 2015-02-25 | 中国建设银行股份有限公司 | Parameter risk evaluation method and device |
| CN108335188A (en) * | 2017-09-14 | 2018-07-27 | 平安普惠企业管理有限公司 | Rate of advance generation method, server and readable storage medium storing program for executing |
| CN113436006A (en) * | 2021-07-07 | 2021-09-24 | 中国银行股份有限公司 | Loan risk prediction method and device based on block chain |
-
2009
- 2009-08-04 CN CN200910115935A patent/CN101620722A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104376197A (en) * | 2014-10-29 | 2015-02-25 | 中国建设银行股份有限公司 | Parameter risk evaluation method and device |
| CN108335188A (en) * | 2017-09-14 | 2018-07-27 | 平安普惠企业管理有限公司 | Rate of advance generation method, server and readable storage medium storing program for executing |
| CN113436006A (en) * | 2021-07-07 | 2021-09-24 | 中国银行股份有限公司 | Loan risk prediction method and device based on block chain |
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Open date: 20100106 |