CN103793847A - Loan credit extension information inspection achieving method and device - Google Patents
Loan credit extension information inspection achieving method and device Download PDFInfo
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- CN103793847A CN103793847A CN201410078870.0A CN201410078870A CN103793847A CN 103793847 A CN103793847 A CN 103793847A CN 201410078870 A CN201410078870 A CN 201410078870A CN 103793847 A CN103793847 A CN 103793847A
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Abstract
The invention relates to the technical field of information, in particular to a loan credit extension information inspection achieving method and device. The loan credit extension information inspection achieving method comprises the steps that an information inspection request corresponding to the loan service requested by a loan borrower is determined, and credit extension inspection information corresponding to the information inspection request is obtained; whether the credit extension inspection information meets preset loan service credit extension rules or not is verified, and if not, a processing blocking signal is sent out and an alarm is given out. The loan credit extension information inspection achieving method and device can automatically inspect the credit extension information in the loan service, the speed of credit extension information inspection can be improved, errors of manual inspection in the related technology due to human factors can be avoided to some extent, and therefore the loan credit extension information inspection achieving method and device can meet the request for actual appliance.
Description
Technical field
The present invention relates to areas of information technology, in particular to loan credit information verification implementation method and device.
Background technology
To be bank or other financial institution lend a kind of credit activity form of money-capital by certain interest rate and the condition such as must give back to loan.
In loan transaction, loan safety is the matter of utmost importance facing in financial borrowing process, needs wind control personnel or auditor to verify the credit process of every loan in order to control credit risk.
In correlation technique, mainly examine loan credit information to control risk by manual type, but it is lower to examine treatment effeciency by manual type, and easily make mistakes, can find out the application demand on the discontented full border of mode of the manual examination and verification loan credit information in correlation technique.
Summary of the invention
The object of the present invention is to provide loan credit information verification implementation method and device, to solve the above problems.
Loan credit information verification implementation method is provided in an embodiment of the present invention, has comprised:
The information verification demand that definite loan transaction of asking with loan requests object is corresponding is also obtained and the corresponding credit verification message of described information verification demand;
Verify whether described credit verification message meets default loan transaction credit rule, if do not meet, send blocking processing signal alarm.
Preferably, verify that whether described credit verification message meets default loan transaction credit rule, comprising: verify whether described credit verification message meets default mandate enabled condition, if do not meet and send blocking processing signal alarm.
Preferably, whether the described credit verification message of described checking meets default mandate enabled condition, comprise: when loan transaction type is personal loan business, described credit verification message comprises Private Banking's flowing water, whether the individual annual income that judges described loan requests object according to described Private Banking flowing water is lower than default income threshold value, if so, send refusal credit information; When loan transaction type is enterprise's loan transaction, described credit verification message comprises enterprise financial report, judge that according to described enterprise financial report this enterprise sets continuously time limit income loss or sets continuously time limit net cash flow from operating activities when negative, sends refusal credit information.
Preferably, verify whether described credit verification message meets default loan transaction credit rule, comprise: obtain the credit scoring of described loan requests object according to described credit verification message, according to the loan requests of the described loan requests object of described credit scoring refusal or permission and the described credit loan limit matching of marking.
Preferably, verify whether described credit verification message meets default loan transaction credit rule, comprising: described credit verification message comprises Mortgage assets information, verifies in described Mortgage assets information whether comprise the property ownership certificate of mortgaging house property, if do not comprise, send the instruction of refusal loan.
Preferably, verify whether described credit verification message meets default loan transaction credit rule, comprising: described Mortgage assets information comprises collateral security information, verify whether described collateral security information is vehicle, if so, send the instruction of refusal loan.
Preferably, the method also comprises: obtain and the corresponding loan requests Back ground Information of described information verification demand and loan transaction treatment scheme information; Judge that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, if not, blocking processing signal alarm sent; When described loan requests Back ground Information is while being consistent with the qualification information matches prestoring, verify whether described loan transaction treatment scheme information meets default loan transaction processing requirements, if do not meet, send blocking processing signal alarm.
Preferably, judge that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, comprise: extract respectively the key message in I.D. scanning electron part, operation license scanning electron part and the property ownership certificate scanning electron part that described loan requests Back ground Information comprises, judge that whether the described key message extracting is consistent with the basic verification message of typing in advance, send blocking processing signal alarm if inconsistent.
Preferably, verify whether described loan transaction treatment scheme information meets default loan transaction processing requirements, comprise: verify respectively the integrality in responsible report and the wind control report that described loan transaction treatment scheme information is included, if the integrality of described responsible report or described wind control report does not meet preset requirement, send blocking processing signal alarm; Whether the signing messages of the described responsible report that checking is obtained respectively and described wind control report meets the requirement of default signature, if do not meet, sends blocking processing signal alarm.
The embodiment of the present invention also provides loan credit information verification implement device, comprise: information acquisition module, for determining the information verification demand that the loan transaction of asking with loan requests object is corresponding and obtaining and the corresponding credit verification message of described information verification demand; Judge module, for verifying whether described credit verification message meets default loan transaction credit rule, if do not meet, sends blocking processing signal alarm.
Loan credit information verification implementation method and device that the embodiment of the present invention provides, according to information verification demand automatic acquisition credit verification message, and verify that whether the credit verification message obtaining meets default loan transaction credit rule, if do not met, can send blocking processing signal alarm.Loan credit information verification implementation method and the device of finding out thus the embodiment of the present invention can be to the credit information automatic inspections in loan transaction, not only can improve the speed of credit information verification, and can avoid to a certain extent the mistake that in correlation technique, in artificial verification, human factor causes, therefore the loan credit information verification implementation method in the embodiment of the present invention and device more can meet the demand of practical application.
Accompanying drawing explanation
Fig. 1 shows the process flow diagram of the credit information verification implementation method of providing a loan in the embodiment of the present invention;
Fig. 2 shows the example flow diagram of the credit information verification implementation method of providing a loan in the embodiment of the present invention;
Fig. 3 shows the implementation method that in the embodiment of the present invention, in individual credit information verification, policy library configures;
Fig. 4 shows the implementation method that in the embodiment of the present invention, in enterprise's credit information verification, policy library configures;
Fig. 5 shows the structural representation of embodiment of the present invention loan credit information verification implement device.
Embodiment
Also by reference to the accompanying drawings the present invention is described in further detail below by specific embodiment.
A kind of loan credit information verification implementation method is provided in the embodiment of the present invention, and as shown in Figure 1, main treatment step comprises:
Step S11: the information verification demand that definite loan transaction of asking with loan requests object is corresponding is also obtained and the corresponding credit verification message of information verification demand;
Step S12: whether checking credit verification message meets default loan transaction credit rule, if do not meet, sends blocking processing signal alarm.
Loan credit information verification implementation method and device that the embodiment of the present invention provides, according to information verification demand automatic acquisition credit verification message, and verify that whether the credit verification message obtaining meets default loan transaction credit rule, if do not met, can send blocking processing signal alarm.Loan credit information verification implementation method and the device of finding out thus the embodiment of the present invention can be to the credit information automatic inspections in loan transaction, not only can improve the speed of credit information verification, and can avoid to a certain extent the mistake that in correlation technique, in artificial verification, human factor causes, therefore the loan credit information verification implementation method in the embodiment of the present invention and device more can meet the demand of practical application.
Loan credit information verification implementation method in the embodiment of the present invention can also be diagnosed loan rule by intellectual analysis, by judging authenticity and the rationality of every loan, on the one hand, can help financial institution to save manpower audit cost, discharge and be not inconsistent regular prospective borrower fast, on the other hand, can be Managing Financial Institutions high level supervision sharp weapon are provided, effectively evade bank, small-loan company, the employee of the financial institution (as: business personnels such as P2P platform, wind control personnel etc.) make loans in violation of rules and regulations, reduce the loss causing to mechanism because interior employee provides in violation of rules and regulations loan false or that over-evaluate.
In loan credit information verification, whether checking credit verification message meets default loan transaction credit rule, comprising: whether checking credit verification message meets default mandate enabled condition, if do not meet and send blocking processing signal alarm.
In enterprise's credit, the effect of checking on is being born in wind control personnel every debt-credit that auditor is financial institution in other words, in avoiding risk, plays an important role.Big bank has very sound Feng Kong team or audit team to verify every loan, but, a lot of financial institutions, as little Dai company, P2P net is borrowed platform, they lack the system that perfects as big bank, meanwhile, in order to cater to market, they must shorten the lending time, and this key link key of this financial institution's existence often, a bad loan just likely destroys a Ge little Dai company or P2P platform.Credit rule checks it is such demand of catering to, and by pre-designed credit strategy, helps financial institution to evade efficiently credit risk.In the sound and real situation of necessary information, by the strategy judgement of this system, get rid of fast risky debt-credit project, for financial institution escorts.
Most financial institution fiduciary loan business is divided into loan on personal security and business standing loan, in order to meet the demand of actual loan transaction, in the embodiment of the present invention, whether meet default mandate enabled condition at checking credit verification message, comprise: when loan transaction type is personal loan business, credit verification message comprises Private Banking's flowing water, the individual annual income that judges loan requests object according to Private Banking's flowing water, whether lower than default income threshold value, is if so, sent refusal credit information; When loan transaction type is enterprise's loan transaction, credit verification message comprises enterprise financial report, judges that according to enterprise financial report this enterprise sets continuously time limit income loss or sets continuously time limit net cash flow from operating activities when negative, sends refusal credit information.
Further, whether checking credit verification message meets default loan transaction credit rule comprises: obtain the credit scoring of loan requests object according to credit verification message, according to the loan requests of credit scoring refusal loan requests object or permission and the credit loan limit matching of marking.
In the embodiment of the present invention, verify whether credit verification message meets default loan transaction credit rule and comprise: credit verification message comprises Mortgage assets information, in checking Mortgage assets information, whether comprise the property ownership certificate of mortgaging house property, if do not comprise, send the instruction of refusal loan.
In addition, comprising collateral security information in Mortgage assets information, whether checking collateral security information is vehicle, if so, sends the instruction of refusal loan.
In the embodiment of the present invention, verify that the mode whether credit verification message meets default mandate enabled condition can set according to the demand of practical business, for example, in loan transaction, need to verify the credit card record of loan requests object, and predefined criterion for credit is that the credit card number of times that exceeds the time limit is more than or equal at 5 o'clock, send the instruction of refusal loan, therefore in the time that the credit card record to loan requests object is verified, the credit card of the loan requests object that statistics the is obtained refund number of times that exceeds the time limit is in the given time refused credit in the time that the number of times that exceeds the time limit is more than or equal to 5 times.
Again for example, in enterprise's loan transaction, need the paid in capital of enterprise to verify, and predefined criterion for credit is that enterprise's paid in capital is less than at 1,000,000 o'clock and will not provides a loan, therefore obtaining after the information of loan enterprises, whether the paid in capital of checking enterprise is less than 1,000,000, sends the instruction of refusal loan if be less than.
The loan credit information verification implementation method of the embodiment of the present invention, as shown in Figure 2, can verify strategy for different loan transaction setting individuals.Every loan must meet All Policies, otherwise system will be sent alarm disabling signal.
As a kind of example of loan credit information verification implementation method has been shown in Fig. 2.In to loan credit information verification process, utilize the credit rule and policy group activating to verify every loan.The credit rule and policy group wherein activating is configured according to predetermined credit rule and policy according to the dissimilar of every loan.
In the process of utilizing the credit rule and policy group activating to verify loan credit information, need credit information related in loan transaction to mate with credit strategy one by one, be considered as if the match is successful the credit project that need to be evaded, can carry out alarm blocking-up, if it fails to match, credit rule is verified and is passed through.The credit rule wherein herein activating refers to that the condition not allowing by credit is activated, the credit strategy being for example activated is that individual annual income is lower than 50,000 yuan, verify the individual annual income of loan requests object, when its annual income lower than 50,000 with activate credit strategy matching time, the credit condition of being evaded of satisfying the demand, now can be considered the credit information of loan requests object and the success of the credit strategy matching of activation, send alarm.
As Fig. 3 shows the implementation method that in individual credit information verification, policy library configures.Wherein, newly-built/edit entries is from selectable credit information, to select judgement information according to the loan transaction of loan requests object, and according to judgement information, credit condition is set, for example selectablely judge that information can be the identity information of loan requests object and the credit report that Central Bank has done the credit of loan requests object, identity information comprises location particularly, Age and sex etc., Central Bank's credit report comprises the credit card record of the credit card that loan requests object holds, housing loan and arrearage record etc., select according to the information setting condition of selecting, can be: the area of setting loan credit according to the location in identity information, or according to the age in identity information arrange the age condition select, also can alternative condition according to credit card record: number of times 5 times exceeds the time limit.In activate/unloading policy module, select the credit card record number of times that exceeds the time limit to do logical operation 5 times: as " being more than or equal to ", after, can add activation strategy storehouse, now, when there being creditor's the credit card number of times that exceeds the time limit to be more than or equal to after 5 times, be just rejected credit.Meanwhile, some condition can logical combination, if " credit card exceeds the time limit, and number of times is more than or equal to 5 times or accumulative total arrearage is more than or equal to 2 times " is just can become the policy condition of an activation.
As Fig. 4 shows the implementation method that in enterprise's credit information verification, policy library configures, the method for its setting is identical with the implementation method of policy library configuration in individual credit information verification.Illustrate: the paid in capital <100 of enterprise ten thousand will not provide a loan, certainly, the number hook that needs under some condition and provide a loan, such as debt ratio loan limit in the situation that being greater than 50% of assets can not be greater than 500,000 herein.
Except utilizing concrete judge condition personal settings criterion for credit, can also utilize credit scoring principle to determine whether loan requests object meets criterion for credit.Wherein specifically be divided into two kinds of situations, one is that financial institution itself has credit scoring system, and the interface that now only need call points-scoring system carries out credit score calculation, or direct using financial institution's points-scoring system to the scoring of this loan project as input.The second is financial institution's points-scoring system that has no credit, and points-scoring system that now can a built-in standard calculates.
Scoring can be used as the information in the configuration of information condition strategy, and score value interval just can be used as condition, illustrate: information: personal credit scoring condition is less than or equal to 60 points will not provide a loan, or business standing marks between 60-80 divides, loan limit can not exceed 500,000.
To sum up, system is to wish the function robotization of wind control or audit, by setting different strategies, to evade efficiently financial institution against regulation or have a loan project of risk in loan transaction, for financial institution provides the solution of avoiding risk of intelligence.
In loan accept process, verifying the consuming time and tool of the authenticity of creditor's information and material acquires a certain degree of difficulty, for reducing cost of labor, evade intentional or unintentional artificial discriminating mistake simultaneously, in the loan credit information verification implementation method of the embodiment of the present invention, also comprise and obtaining and the corresponding loan requests Back ground Information of information verification demand and loan transaction treatment scheme information; Judge that whether loan requests Back ground Information is consistent with the qualification information matches prestoring, if not, blocking processing signal alarm sent; When loan requests Back ground Information is while being consistent with the qualification information matches prestoring, whether checking loan transaction treatment scheme information meets default loan transaction processing requirements, if do not meet, sends blocking processing signal alarm.
Wherein judge that whether loan requests Back ground Information is consistent with the qualification information matches prestoring, comprise: extract respectively the key message in I.D. scanning electron part, operation license scanning electron part and the property ownership certificate scanning electron part that loan requests Back ground Information comprises, judge that whether the key message extracting is consistent with the basic verification message of typing in advance, send blocking processing signal alarm if inconsistent.
In many financial institutions, the Back ground Information of loan requests object is by manually verifying, consuming time and easily make mistakes, in the embodiment of the present invention, adopt scanning recognition technology, from I.D. scanned copy, operation license scanning electron part and property ownership certificate scanning electron part, extract key message, and utilize the key message extracting to compare with the basic verification message of typing in advance, if compare inconsistent, the blocking processing signal producing can be blocked the continuation of loan transaction and verify, and reduces loan transaction risk.
Wherein, utilize I.D. scanning electron part can extract the personal information of loan requests object, the verification of the personal information of loan requests object and typing canned data in advance can being compared thus, alarm when inconsistent;
Utilize property ownership certificate scanning electron part can extract the essential information of loan requests object for the house property mortgaged, can verify the mortgage house property of loan requests object thus;
Utilize operation license scanning electron part can extract the operation license key messages such as title, residence, legal representative's name company type, scope of business, the Date of Incorporation, business time limit, numbering, number of registration, registered capital and the paid in capital of the enterprise of application for credit, utilize operation license key message and the pre-stored operation license information extracted to compare, the cost of replacement desk checking also reduces the mistake of desk checking.
In loan transaction processing procedure, loan requests object may spurious obtain loan and authorizes for obtaining loan, therefore needs to verify the authenticity of the information that loan requests person provides.Therefore judging that loan requests Back ground Information comprises when whether consistent with the qualification information matches prestoring: according to the key message extracting and utilize the real information obtaining from auxiliary data interface, judge that whether the qualification information that includes key message that loan requests object provides is consistent with real information, send blocking processing signal alarm if inconsistent.
Take the relevant information in the operation license of loan requests object as example, when obtaining after the enterprise name of application for credit enterprise, the enterprise name that the utilization of auxiliary data interface is obtained reads enterprise's real information of loan enterprises from corresponding industrial and commercial bureau website; By the enterprise's real information obtaining with compare for the company information of verifying, can judge company information true and false of application for credit, this method, by the artificial mode of simulation, judges the authenticity of company information automatically, thereby the efficiency of information verification is effectively provided.
Can also carry out authenticity judgement to a series of information such as the identity information of loan requests object, bank's flowing water information, financial statement and credit card records by the method, guarantee the authenticity of the various information of obtaining.
In the process that the Back ground Information of loan requests object is judged, the I.D. scanning electron part obtaining, operation license scanning electron part and property ownership certificate scanning electron part are likely forged certificates, therefore also need the true and false of the scanning electron part to obtaining to differentiate, therefore in the embodiment of the present invention, judging whether loan requests Back ground Information is consistent with the qualification information matches prestoring also comprises: identification I.D. scanning electron part, the true and false of operation license scanning electron part and property ownership certificate scanning electron part, judge when I.D. scanning electron part or operation license scanning electron part or property ownership certificate scanning electron part are forged certificate, send blocking processing signal alarm.
Take identification I.D. scanning electron part as example, all words on identification I.D. scanning electron part, utilize certificate Chinese word stroke feature to differentiate the true and false of I.D. scanning electron part, the bar of the words such as the such as all words on true I.D. official seal and name, sex, birth, address, numbering is straight stroke, as " city, peace ", the receipts pen place of bar is without triangle.False I.D. is different, and as " city, peace ", there is triangle at the receipts pen place of bar.It is true I.D. that " office " the right in official seal is leveled up and down; Protruding under upper contracting (office) is false I.D..
In the embodiment of the present invention, verify whether loan transaction treatment scheme information meets default loan transaction processing requirements, comprise: verify respectively the integrality in responsible report and the wind control report that loan transaction treatment scheme information is included, if the integrality of responsible report or wind control report does not meet preset requirement, send blocking processing signal alarm; Whether the signing messages of the responsible report that checking is obtained respectively and wind control report meets the requirement of default signature, if do not meet, sends blocking processing signal alarm.
Loan credit information verification implement device is also further provided in the embodiment of the present invention, as shown in Figure 5, has comprised:
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (10)
1. loan credit information verification implementation method, is characterized in that, comprising:
The information verification demand that definite loan transaction of asking with loan requests object is corresponding is also obtained and the corresponding credit verification message of described information verification demand;
Verify whether described credit verification message meets default loan transaction credit rule, if do not meet, send blocking processing signal alarm.
2. method according to claim 1, is characterized in that, verifies that whether described credit verification message meets default loan transaction credit rule, comprising:
Verify whether described credit verification message meets default mandate enabled condition, if do not meet and send blocking processing signal alarm.
3. method according to claim 2, is characterized in that, whether the described credit verification message of described checking meets default mandate enabled condition, comprising:
When loan transaction type is personal loan business, described credit verification message comprises Private Banking's flowing water, and the individual annual income that judges described loan requests object according to described Private Banking flowing water, whether lower than default income threshold value, is if so, sent refusal credit information;
When loan transaction type is enterprise's loan transaction, described credit verification message comprises enterprise financial report, judge that according to described enterprise financial report this enterprise sets continuously time limit income loss or sets continuously time limit net cash flow from operating activities when negative, sends refusal credit information.
4. method according to claim 1, is characterized in that, verifies that whether described credit verification message meets default loan transaction credit rule, comprising:
Obtain the credit scoring of described loan requests object according to described credit verification message, according to the loan requests of the described loan requests object of described credit scoring refusal or permission and the described credit loan limit matching of marking.
5. method according to claim 1, is characterized in that, verifies that whether described credit verification message meets default loan transaction credit rule, comprising:
Described credit verification message comprises Mortgage assets information, verifies in described Mortgage assets information whether comprise the property ownership certificate of mortgaging house property, if do not comprise, sends the instruction of refusal loan.
6. method according to claim 5, is characterized in that, verifies that whether described credit verification message meets default loan transaction credit rule, comprising:
Described Mortgage assets information comprises collateral security information, verifies whether described collateral security information is vehicle, if so, sends the instruction of refusal loan.
7. method according to claim 1, is characterized in that, the method also comprises:
Obtain and the corresponding loan requests Back ground Information of described information verification demand and loan transaction treatment scheme information;
Judge that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, if not, blocking processing signal alarm sent;
When described loan requests Back ground Information is while being consistent with the qualification information matches prestoring, verify whether described loan transaction treatment scheme information meets default loan transaction processing requirements, if do not meet, send blocking processing signal alarm.
8. method according to claim 7, is characterized in that, judges that whether described loan requests Back ground Information is consistent with the qualification information matches prestoring, and comprising:
Extract respectively the key message in I.D. scanning electron part, operation license scanning electron part and the property ownership certificate scanning electron part that described loan requests Back ground Information comprises, judge that whether the described key message extracting is consistent with the basic verification message of typing in advance, send blocking processing signal alarm if inconsistent.
9. method according to claim 7, is characterized in that, verifies that whether described loan transaction treatment scheme information meets default loan transaction processing requirements, comprising:
Verify respectively the integrality in responsible report and the wind control report that described loan transaction treatment scheme information is included, if the integrality of described responsible report or described wind control report does not meet preset requirement, send blocking processing signal alarm;
Whether the signing messages of the described responsible report that checking is obtained respectively and described wind control report meets the requirement of default signature, if do not meet, sends blocking processing signal alarm.
10. loan credit information verification implement device, is characterized in that, comprising:
Information acquisition module, for determining the information verification demand that the loan transaction of asking with loan requests object is corresponding and obtaining and the corresponding credit verification message of described information verification demand;
Judge module, for verifying whether described credit verification message meets default loan transaction credit rule, if do not meet, sends blocking processing signal alarm.
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