CN107909467A - A kind of loan limit appraisal procedure and relevant device - Google Patents
A kind of loan limit appraisal procedure and relevant device Download PDFInfo
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- CN107909467A CN107909467A CN201711128420.8A CN201711128420A CN107909467A CN 107909467 A CN107909467 A CN 107909467A CN 201711128420 A CN201711128420 A CN 201711128420A CN 107909467 A CN107909467 A CN 107909467A
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- Prior art keywords
- dealer
- supplier
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- credit
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The embodiment of the invention discloses a kind of loan limit appraisal procedure and relevant device, wherein, the described method includes：The loan requests that dealer submits are received, application amount, shopping list, supplier information and distributor information are carried in the loan requests；The shopping list and the distributor information are sent to the corresponding supplier of the supplier information；The approval amount that the supplier submits is received, the approval amount is that the supplier determines according to the shopping list and the distributor information；In the case where being determined to allow to provide a loan to the dealer according to the distributor information, according to the application amount and the loan limit checked and approved amount and determine the dealer.By the embodiment of the present invention, loan limit can be assessed exactly according to shopping list, advantageously reduce the credit risk of loan platform.
Description
Technical field
The present invention relates to internet financial technology field, more particularly to a kind of loan limit appraisal procedure and relevant device.
Background technology
In traditional supply chain, for dealer generally in suppliers bought articles, the profit for selling gained is dealer
Income.If dealer's capital turnover difficulty, it can apply providing a loan, loan platform for dealer so that pay out buying thing
Expense needed for product, is refunded by dealer.
At present, the amount of money of dealer's loan is determined that this loan limit determination mode is it is difficult to ensure that dealer by supplier
Institute's loan fund is completely used in supply chain, if institute's loan fund is not completely used in supply chain, i.e. loan limit is needed with buying
Seek mismatch, then dealer refunds and can not just be protected to a certain extent.As it can be seen that the definite side of current loan limit
Formula is not accurate enough, adds the credit risk of loan platform.
The content of the invention
The embodiment of the present invention provides a kind of loan limit appraisal procedure and relevant device, can be according to shopping list exactly
Loan limit is assessed, advantageously reduces the credit risk of loan platform.
In a first aspect, an embodiment of the present invention provides a kind of loan limit appraisal procedure, including：
The loan requests that dealer submits are received, application amount, shopping list, supply are carried in the loan requests
Business's information and distributor information；
The shopping list and the distributor information are sent to the corresponding supplier of the supplier information；
The approval amount that the supplier submits is received, the approval amount is that the supplier is clear according to the buying
What single and described distributor information determined；
In the case where being determined to allow to provide a loan to the dealer according to the distributor information, according to the application volume
Degree and the approval amount determine the loan limit of the dealer.
Alternatively, the embodiment of the loan limit that dealer is determined according to application amount and approval amount
For：Obtain application amount and check and approve the first difference between amount；It is less than or equal to the first preset difference value threshold in the first difference
In the case of value, approval amount is determined as to the loan limit of dealer.
Alternatively, it is described according to the application amount and the loan limit checked and approved amount and determine the dealer
Embodiment is：Obtain application amount and check and approve the first difference between amount；It is less than or equal to the in the first difference
In the case of one preset difference value threshold value, determine that dealer's estimates amount according to distributor information；Obtain and check and approve amount and pre-
Estimate the second difference between amount, in the case where the second difference is less than or equal to the second preset difference value threshold value, determine to check and approve
Amount and the smaller value or approval amount estimated in amount and the average value for estimating amount；Smaller value or average value is true
It is set to the loan limit of dealer.
Alternatively, the shopping list and the distributor information of sending is to the corresponding confession of the supplier information
Before answering business, credit evaluation is carried out to the supplier based on the supplier information, determines that the credit of the supplier is commented
Point；In the case where the credit scoring of the supplier is more than or equal to the first default credit scoring threshold value, the hair is performed
The step of sending the shopping list and the distributor information corresponding to supplier information supplier.
Alternatively, it is described in the case where being determined to allow to provide a loan to the dealer according to the distributor information, according to
Before the application amount and the approval amount determine the loan limit of the dealer, based on the distributor information pair
The dealer carries out credit evaluation, determines the credit scoring of the dealer；It is more than in the credit scoring of the dealer
Or equal to the second default credit scoring threshold value in the case of, determine to allow to give dealer loan.
Alternatively, it is described that credit evaluation is carried out to the dealer based on the distributor information, determine described sell
The embodiment of the credit scoring of business is：Based on the distributor information, the credit information of the dealer is obtained；Really
Make the corresponding credit scoring of every kind of credit information；According to the corresponding credit scoring of the every kind of credit information, determine described
The credit scoring of dealer.
Alternatively, it is described that credit evaluation is carried out to the supplier based on the supplier information, determine the supply
The embodiment of the credit scoring of business is：Based on the supplier information, the credit information of the supplier is obtained；Really
Make the corresponding credit scoring of every kind of credit information；According to the corresponding credit scoring of the every kind of credit information, determine described
The credit scoring of supplier.
Second aspect, an embodiment of the present invention provides a kind of loan limit apparatus for evaluating, the loan limit apparatus for evaluating bag
Include the unit of the method for performing above-mentioned first aspect.
The third aspect, an embodiment of the present invention provides a kind of server, the server include processor, network interface and
Memory, the processor, network interface and memory are connected with each other, wherein, the network interface is controlled by the processor
System is used for messaging, and the memory is used to store the computer program for supporting server to perform the above method, the calculating
Machine program includes programmed instruction, and the processor is arranged to call described program instruction, performs the side of above-mentioned first aspect
Method.
Fourth aspect, an embodiment of the present invention provides a kind of computer-readable recording medium, the computer-readable storage
Media storage has computer program, and the computer program includes programmed instruction, and described program instructs when being executed by a processor
The method for making the processor perform above-mentioned first aspect.
In the embodiment of the present invention, server can receive the loan requests of dealer's submission, and will be carried in loan requests
Shopping list and distributor information send into loan requests the corresponding supplier of supplier information, and then receive supplier
The approval amount of submission, in the case where being determined to allow to provide a loan to dealer according to distributor information in loan requests, according to Shen
Amount and amount please be checked and approved determine the loan limit of dealer, loan limit can be assessed exactly according to shopping list,
Advantageously reduce the credit risk of loan platform.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, drawings in the following description are only
Some embodiments of the present invention, for those of ordinary skill in the art, without creative efforts, also
Other attached drawings can be obtained according to these attached drawings.
Fig. 1 is a kind of structure diagram of internet financial system provided in an embodiment of the present invention；
Fig. 2 is a kind of flow diagram of loan limit appraisal procedure provided in an embodiment of the present invention；
Fig. 3 is the flow diagram of another loan limit appraisal procedure provided in an embodiment of the present invention；
Fig. 4 is a kind of schematic block diagram of loan limit apparatus for evaluating provided in an embodiment of the present invention；
Fig. 5 is a kind of schematic block diagram of server provided in an embodiment of the present invention.
Embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art obtained without creative efforts it is all its
His embodiment, belongs to the scope of protection of the invention.
In order to more fully understand the embodiment of the present invention, below to applicable internet of embodiment of the present invention finance
System illustrates.
It is a kind of structure diagram of internet financial system provided in an embodiment of the present invention referring to Fig. 1.As shown in Figure 1,
The internet financial system may include the first client 101, the second client 102 and server 103.Wherein, the first client
101 and second client 102 can be mobile terminal, such as smart mobile phone, tablet computer, vehicle-mounted computer；Can also wear
Wear equipment, such as motion bracelet, phone wrist-watch；It can also be non-portable communication equipment, such as desktop computer.The server
103 can be the loan platform that the side of debt-credit provides.
In the specific implementation, in this internet financial system, dealer by the second client 102 and server 103 into
Row data interaction, can upload loan requests to server 103 by the second client 102, Shen is carried in the loan requests
Please amount, shopping list, supplier information and distributor information etc.；Supplier passes through the first client 101 and server
103 carry out data interactions, and distributor information and shopping list that dealer provides can be received by server 103, and can be with
Determined to check and approve amount according to shopping list and distributor information, and then the approval amount is uploaded onto the server 103；Service
Device 103 can receive the loan requests of the second client 102 upload, and application amount, buying are carried in the loan requests clearly
Single, supplier information and distributor information, and shopping list and distributor information are sent to the first client 101.Into
One step, server 103 can also obtain the approval amount from the first client 101, determine to permit according to distributor information
Perhaps in the case of providing a loan to dealer, the loan limit of dealer is determined according to application amount and approval amount.
It can pass through between the second client 102 and server 103 between first client 101 and server 103
The mode of wired or wireless connection carries out data interaction.
The loan limit appraisal procedure and relevant device provided further below the embodiment of the present invention is introduced.
Referring to Fig. 2, Fig. 2 is a kind of flow diagram of loan limit appraisal procedure provided in an embodiment of the present invention, is such as schemed
Shown, which may include：
201st, server receives the loan requests that dealer submits, and application amount, buying are carried in the loan requests
Inventory, supplier information and distributor information.
Wherein, the shopping list purchases the bill of goods of kinds of goods for dealer to supplier, can be with the shopping list
Title, model, quantity, unit price of procurement and vendor name of record buying kinds of goods etc..For example, the buying shown in table 1 is clear
It is single, as it can be seen from table 1 the shopping list can be with the one-to-one bill of goods of supplier, i.e., recorded in shopping list
All kinds of goods, may each be what same supplier provided.
Table 1
Wherein, which can include the personal information of supplier, such as can be the surname of supplier individual
Name, gender, age, contact address, contact method, income situation etc., can also include the company information of supplier, such as can
Think the industry size of supplier, title, legal representative, registered capital, business scope etc..Further, supplier can be
The enterprise for having cooperation agreement is signed in advance with loan platform.
Wherein, which can include the personal information of dealer, the business information of dealer, reference information
And credit information etc..Wherein, the personal information of dealer, such as can be the name of dealer, age, gender, identity
Card, house property record, annual income etc.；The business information of the dealer can include the business scope of dealer, and registered capital is public
Department's scale etc.；The reference information of the dealer, can include the bank credit of supplier, such as can record each credit
The situation of card, the conventional debt history of reflection supplier；Non-banking credit, for example, can record supplier communication, water, electricity,
The payment situation of coal, reflection supplier whether there is arrearage situation in life；The credit information of the dealer, can include selling
Business does not close loan balance and loan types etc. by the end of what current loan stroke count, every provided a loan.
202nd, server sends the shopping list and the distributor information to the corresponding supply of the supplier information
Business.
In the specific implementation, dealer wants application loan, it is possible in the loan platform provided using terminal in debt-credit side
The application amount for submitting the desired application of loan requests oneself to provide a loan, shopping list, supplier information and distributor information, and
Send loan requests, server after receiving loan requests can by the distributor information carried in loan requests and
Shopping list is sent to supplier.
Wherein, the distributor information carried in loan requests and shopping list are sent to the tool of supplier by server
Body mode, can be that distributor information and shopping list are issued to loan platform, supplier can be checked by platform of providing a loan
Or use；Distributor information and shopping list can also be transmitted directly to supply by mailbox or the form of short message
Business.The present invention is not especially limited this.
For example, dealer Zhang San, it is desirable to provide a loan to finance company A, it is possible to which the loan for logging in finance company A offers is put down
Platform, loan platform submit application loan application amount, shopping list, the supplier information of supplier Li Si and oneself
The data such as distributor information, and submit loan requests after the completion of the submission of these data.Further, the clothes of finance company A
After business device receives the loan requests, it is possible to by the distributor information of the dealer Zhang San carried in loan requests and buying
Inventory is sent to supplier Li Si.
203rd, server receives the approval amount that the supplier submits.
Wherein, which is that supplier determines according to shopping list and distributor information.Specifically, supplier
The authenticity of shopping list can be determined according to distributor information first, is determining that the content that shopping list records is truly may be used
In the case of letter, further further according to recorded in shopping list the buying title of kinds of goods, model, quantity, unit price of procurement and
Distributor information determines the approval amount for this dealer's loan requests.
For example, shopping list 1 is as shown in table 1, supplier receives the distributor information of dealer W offers and purchases clear
After single 1, it can determine whether to have business transaction with W according to distributor information first, be recorded in shopping list 1
Kinds of goods model whether be oneself the supply of material kinds of goods model, and the every kind of kinds of goods recorded in shopping list 1 unit price whether be from
The supply of material unit price of oneself supply of material, if there is suspicion of false price etc..After the authenticity of shopping list 1 is determined, estimation
The total value of all kinds of goods recorded in shopping list 1, the total value of the kinds of goods recorded as can be seen from Table 1 in table is 2.08
Wan Yuan, it is possible to be determined as 2.08 ten thousand yuan to check and approve amount.
In another example after the total value for estimating the kinds of goods recorded in shopping list 1 is 2.08 ten thousand yuan, can also be into one
Step combines the business scope of the dealer recorded in distributor information, scale of operation, personal information etc., understands the warp of dealer
Battalion's situation, management state is better, and amount of checking and approving is higher, and management state is poorer, and approval amount is lower.
In another example after the total value for estimating the kinds of goods recorded in shopping list 1 is 2.08 ten thousand yuan, can also be into one
Step combines other costs (such as cost of marketing or human cost etc.) for normally managing of dealer, such as will to check and approve amount true
It is set to 40,000 yuan, wherein, unnecessary 1.92 ten thousand yuan are just other costs.
204th, server is according to the distributor information in the case where determining to allow to provide a loan to the dealer, according to
The application amount and the loan limit checked and approved amount and determine the dealer.
In the specific implementation, server can carry out credit evaluation according to distributor information to dealer, dealer is determined
Credit scoring, and in the case where the credit scoring of dealer is more than or equal to the second default credit scoring threshold value, determine
Allow to provide a loan to dealer.Further, after determining to allow to provide a loan to dealer, server can obtain application amount and
The first difference between amount is checked and approved, and in the case where the first difference is less than or equal to the first preset difference value threshold value, by core
Quasi- amount is determined as the loan limit of dealer.
Alternatively, in the case where the first difference is more than the first preset difference value threshold value, dealer can be shown that to a certain extent
In the presence of the behavior of fraud loan, at this time, server can reappraise the loan application of dealer.Wherein, comment again
The content estimated is reappraised primarily directed to the credit situation of dealer, and the concrete mode reappraised can be by line
On credit evaluation be changed to credit evaluation under line, further improve the accuracy of credit evaluation.
In a feasible embodiment, in the case where the first difference is less than or equal to the first preset difference value threshold value,
Application amount can be calculated and check and approve the average value of amount, and the average value being calculated is determined as loan limit；Can be with
Obtain application amount and check and approve the smaller value of amount between the two, smaller value is determined as loan limit；Can also be to applying for volume
Degree and check and approve amount and pre-set different weight ratio (such as the weight ratio of application amount is 40%, checks and approves the power of amount
Approval amount is multiplied by weight ratio for 60%), application amount is multiplied with the weight ratio of itself with the weight ratio of itself,
Finally to the application amount after multiplication and approval amount summation, summed result is determined as loan limit, the present invention does not make this
It is specific to limit.
In a feasible embodiment, server is carrying out credit evaluation according to distributor information to dealer, determines
When going out the credit scoring of dealer, the credit information of dealer can be obtained based on distributor information, and according to pre-set
Code of points determines the corresponding credit scoring of every kind of credit information, and then according to the corresponding credit scoring of every kind of credit information,
Determine the credit scoring of dealer.Wherein, the credit information of the dealer can include the reference information of dealer, sell
The credit information of business and the historical sales of dealer.Wherein, which can be for dealer in one cycle
Every kind of kinds of goods total sales volume, the cycle such as can be 24 months, 12 months or 6 months, the present invention this is not made
It is specific to limit.
, can be with after server determines the corresponding credit scoring of every kind of credit information in a feasible embodiment
Every kind of credit scoring is summed, and the result of summation is determined as to the credit scoring of dealer.
For example, the credit information that server can be directed to different dealers sets code of points, every kind of code of points can
With including multiple scoring item, scoring condition and standards of grading.Such as the corresponding code of points of reference information of dealer can be as
Shown in table 2；The corresponding code of points of credit information of dealer can be as shown in table 3；The historical sales of dealer are corresponding
Code of points can be as shown in table 4.Wherein, what the numerical value under standards of grading column represented is exactly the corresponding credit of each scoring item
Scoring.
Table 2
Table 3
Table 4
For example, server can be as shown in table 2- tables 4 for the dealer W credit scoring rules set, server is to selling
When business carries out credit evaluation, reference information, the credit information of W and the history of W of W can be got according to distributor information
Sales volume.Further, the reference information of server W by analysis, the reference information of W is determined according to the code of points of table 2
Corresponding credit scoring is 10；Determine that the corresponding credit scoring of the credit information of W is 6 according to the code of points of table 3；W nearly 12
The historical sales of kinds of goods a and kinds of goods b are respectively 6000 and 10000 in a month, and W can be determined according to the code of points of table 4
Kinds of goods a and the corresponding credit scorings of kinds of goods b are respectively 3 and 2 in nearly 12 months, hence, it can be determined that going out the historical sales of W
Corresponding credit scoring is 5.Further, by the corresponding credit scoring 10 of the reference information of W, the corresponding letter of credit information of W
Summed with the corresponding credit scoring 5 of historical sales of 6 and W of scoring, most summed result 21 is determined as dealer at last
The credit scoring of W.
In a feasible embodiment, server according to distributor information to dealer carry out credit evaluation when,
According to distributor information, the credit information of dealer can be obtained, and the credit information of the dealer can include the sign of dealer
Letter information, the credit information of dealer and the historical sales of dealer etc..Further, server can be according to selling
These credit informations of business carry out dealer credit evaluation, and are determining to the credit evaluation of dealer in the case of,
The loan limit of dealer is determined according to application amount and approval amount.
Wherein, server can be set not every kind of credit information of dealer when carrying out credit evaluation to dealer
Same preset condition, for example, can be that the credit information is corresponding to the first preset condition that the reference information of dealer is set
Credit grade is more than or equal to default credit grade threshold value；The second preset condition set to the credit information of dealer can
Think that the loan balance of not closing of the dealer does not close the amount of the loan less than or equal to default；To the history pin of dealer
The 3rd preset condition that the amount of selling is set can be that the historical sales are more than or equal to default sales volume threshold value.Further,
Server can be determined to warp in the case where the first preset condition, the second preset condition and the 3rd preset condition are satisfied
The credit evaluation of pin business passes through；Can also be in the first preset condition, the second preset condition and the 3rd preset condition at least
In the case that one is satisfied, determine to pass through the credit evaluation of dealer.The present invention is not especially limited this.
For example, above-mentioned default credit grade threshold value is 5 grades, the above-mentioned default amount of the loan of not closing is above-mentioned pre- for 300,000 yuan
If sales volume threshold value is 10000, the condition passed through to dealer's credit evaluation is corresponding credit of reference information of dealer etc.
Level is more than or equal to 5 grades, the history pin do not closed loan balance and be less than or equal to 300,000 yuan and dealer of dealer
The amount of selling is more than or equal to 10000.Server gets the reference information of dealer when carrying out credit evaluation to dealer,
The credit information of dealer and the historical sales of dealer these three credit informations, by analysis, determine dealer's
The corresponding credit grade of reference information is 8 grades, and the loan balance of not closing of dealer is 150,000 yuan, the historical sales of dealer
Measure as 15000, it is evident that the credit information of dealer meets the condition passed through to dealer's credit evaluation, at this time, server
It is assured that and the credit evaluation of dealer is passed through.
In the embodiment of the present invention, server can receive the loan requests of dealer's submission, and will be carried in loan requests
Shopping list and distributor information send into loan requests the corresponding supplier of supplier information, and then receive supplier
The approval amount of submission, in the case where being determined to allow to provide a loan to dealer according to distributor information in loan requests, according to Shen
Amount and amount please be checked and approved determine the loan limit of dealer, loan limit can be assessed exactly according to shopping list,
Advantageously reduce the credit risk of loan platform.
Referring to Fig. 3, Fig. 3 is the flow diagram of another loan limit appraisal procedure provided in an embodiment of the present invention, such as
Shown in figure, which may include：
301st, server receives the loan requests that dealer submits, and application amount, buying are carried in the loan requests
Inventory, supplier information and distributor information.
Wherein, the specific implementation of step 301 may refer to the associated description of step 201 in above-described embodiment, herein
Repeat no more.
302nd, server is based on the supplier information and carries out credit evaluation to the supplier, determines the supply
The credit scoring of business.
In the specific implementation, server according to supplier information, can obtain the credit information of supplier, and according to advance
The code of points of setting determines the corresponding credit scoring of every kind of credit information, and then according to the corresponding letter of every kind of credit information
With scoring, the credit scoring of supplier is determined.Wherein, the credit information of the supplier can include the reference letter of supplier
Breath, the source of goods amount of supplier or the dealer's quantity cooperated with the supplier, wherein, when supplier itself also produces kinds of goods
When, the source of goods amount of the supplier can also be the yield of supplier.
Specifically, can be by every kind of credit scoring after server determines the corresponding credit scoring of every kind of credit information
Sum, and the result of summation is determined as to the credit scoring of supplier.
Wherein, the acquisition of the reference information of the supplier can have number of ways：Firstth, server can be according to selling
The supplier information carried in the loan requests that business submits obtains the reference in personal credit service platform or bank server
Information；Secondth, server can obtain supplier and put down from providing a loan according to the supplier information in the database of itself
The reference information that platform once provided；3rd, server can obtain supplier according to supplier information in own database
Once the personal information submitted of loan platform and supplier loan platform history loan documentation, based on the calculation of itself
Method model calculates Assets or debt ratio of supplier etc., so as to generate reference information.The present invention does not do this specific
Limit.
For example, the credit information that server can be directed to different suppliers sets code of points, every kind of code of points can be with
Including multiple scoring item, scoring condition and standards of grading.Such as the corresponding code of points of reference information of supplier can be such as table
Shown in 5；The corresponding code of points of source of goods amount or yield of supplier can be as shown in table 6；Dealer's quantity is corresponding comments for this
Divider then can be as shown in table 7.Wherein, what the numerical value under standards of grading column represented is exactly that the corresponding credit of each scoring item is commented
Point.
Table 5
Table 6
Table 7
For example, server for supplier F set credit scoring rule as shown in table 5- tables 7, server to supplier into
During row credit evaluation, the reference information of F, the source of goods amount of F are got according to supplier information and that cooperates with F sell quotient
Amount.Further, the reference information of server F by analysis, the reference information for determining F according to the code of points of table 5 correspond to
Credit scoring be 15；The source of goods amount of F is 60, and the corresponding credit scoring of source of goods amount of F is determined according to the code of points of table 6
For 3；The dealer's quantity cooperated with F is 100, determines that dealer's quantity for cooperating with F is corresponding according to the code of points of table 7
Credit scoring be 7.Further, by the corresponding credit scoring of reference information of the corresponding credit scoring of source of goods amount of F, F with
And the corresponding credit scoring of dealer's quantity for cooperating with F is summed, most summed result 25 is determined as supplier F's at last
Credit scoring.
303rd, server is more than or equal to the feelings of the first default credit scoring threshold value in the credit scoring of the supplier
Under condition, the shopping list and the distributor information are sent to the corresponding supplier of the supplier information.
In the specific implementation, server can be with the credit scoring of the supplier determined in obtaining step 302, and this is believed
With scoring compared with pre-set credit scoring threshold value, it is more than or equal to pre-set credit in credit scoring
During the threshold value that scores, shopping list and distributor information are sent into supplier corresponding to supplier information, supplier, which receives, to adopt
After purchasing inventory and distributor information, it is possible to determined to check and approve amount according to the shopping list and distributor information, and will checked and approved
Amount is sent to server.In this evaluation process provided a loan in dealer, increase the credit evaluation to supplier, not only have
Beneficial to the authenticity for improving approval amount assessment, the credit risk of loan platform is reduced, also helps reduction due to supplier's warp
Conjunctural effect dealer delivery of cargo is sought, so that the risk that can not normally refund.
In a feasible embodiment, server according to supplier information, can obtain the credit letter of supplier
Breath, the credit information can include the reference information of supplier, the source of goods amount of supplier or be sold with what the supplier cooperated
Quotient amount etc..Further, server can carry out credit evaluation according to these credit informations of supplier to supplier, and
Determining to the credit evaluation of supplier in the case of, shopping list and distributor information are being sent to the supplier.
Wherein, server can be set not every kind of credit information of supplier when carrying out credit evaluation to supplier
Same preset condition, for example, can be that the credit information is corresponding to the first preset condition that the reference information of supplier is set
Credit grade is more than or equal to default credit grade threshold value；The second preset condition set to the source of goods amount of supplier can be with
It is more than or equal to default source of goods amount threshold value for the source of goods amount；Pair dealer's quantity cooperated with supplier is set the 3rd pre-
If condition, which can be dealer's quantity, is more than or equal to default dealer's amount threshold.Further, server can be
In the case that first preset condition, the second preset condition and the 3rd preset condition are satisfied, determine to comment the credit of supplier
Pass through calmly；At least one it can also be satisfied in the first preset condition, the second preset condition and the 3rd preset condition
In the case of, determine to pass through the credit evaluation of supplier.The present invention is not especially limited this.
For example, above-mentioned default credit grade threshold value is 7 grades, above-mentioned default source of goods amount threshold value is 100, and above-mentioned preset is sold
Business's amount threshold is 150, and the condition passed through to supplier's credit evaluation is big for the corresponding credit grade of reference information of supplier
In or equal to 7 grades, the source of goods amount of supplier dealer's quantity for being more than or equal to 100 and cooperating with supplier is more than
Or equal to 150.Server can obtain the reference information of supplier when carrying out credit evaluation to supplier, supplier's
Source of goods amount and the credit information of these three suppliers of dealer's quantity cooperated with supplier, by analysis, determine to supply
The corresponding credit grade of reference information of business is 8 grades, and the source of goods amount of supplier is 65, the dealer's quantity cooperated with supplier
For 50.It is obvious that the credit information of supplier is unsatisfactory for the condition passed through to supplier's credit evaluation, at this time, server can
To determine not pass through the credit evaluation of supplier.
304th, server receives the approval amount that the supplier submits, the approval amount be the supplier according to
What the shopping list and the distributor information determined.
Wherein, the specific implementation of step 304 may refer to the associated description of step 203 in above-described embodiment, herein
Repeat no more.
305th, server is obtained in the case where being determined to allow to provide a loan to the dealer according to the distributor information
The application amount and first difference checked and approved between amount.
306th, server is in the case where first difference is less than or equal to the first preset difference value threshold value, according to institute
State distributor information and determine that the dealer's estimates amount.
In the specific implementation, server can carry out credit evaluation according to distributor information to dealer, it is determined whether to warp
Sell business's loan, if it is determined that go out to allow to provide a loan to dealer, it is possible to obtain application amount and check and approve the first difference of amount,
And by the first difference compared with the first preset difference value threshold value, if the first difference is more than the first preset difference value threshold value, necessarily
It can be shown that dealer has the behavior of fraud loan in degree, at this time, server can carry out the loan application of dealer
Reappraise.Wherein, the content reappraised is reappraised primarily directed to the credit situation of dealer, is reappraised
Concrete mode can be that the credit evaluation on line is changed to credit evaluation under line, further improve the accurate of credit evaluation
Property.
Alternatively, if the first difference is less than or the first preset difference value threshold value, server can be according to distributor informations
Obtain the reference information of dealer, the credit information such as the credit information of dealer and the historical sales of dealer, and can be with
Amount is estimated according to what these credit informations calculated dealer.
307th, server obtains the approval amount and second difference estimated between amount, poor described second
Value be less than or equal to the second preset difference value threshold value in the case of, determine it is described approval amount and it is described estimate in amount compared with
Small value or the approval amount and the average value for estimating amount.
308th, the smaller value or the average value are determined as the loan limit of the dealer by server.
Wherein, server, which obtains, checks and approves amount and estimates the second difference between amount, is determining that the second difference is less than
Or equal under the second preset difference value threshold condition, it can will estimate amount and be determined as the loan limit of dealer；Can also be right
Estimate amount and check and approve amount pre-set different weight ratio (such as estimate amount weight ratio be 40%, check and approve volume
The weight ratio of degree will check and approve amount and the weight ratio of itself 60%), will to estimate amount and be multiplied with the weight ratio of itself
Value is multiplied, and finally sums to estimating amount and checking and approving amount after multiplication, summed result is determined as loan limit, the present invention
This is not especially limited.
It should be noted that server can in the case where being determined to allow according to distributor information to provide a loan to dealer,
Step 302 is performed again is based on supplier information to supplier's progress credit evaluation；Step 302 can also be performed and be based on supplier
Information carries out supplier credit evaluation and then determines whether to provide a loan to dealer according to distributor information, the present invention
This is not especially limited.
In the embodiment of the present invention, server can receive the loan requests of dealer's submission, based on being carried in loan requests
Supplier information to supplier carry out credit evaluation, determine the credit scoring of supplier, it is big in the credit scoring of supplier
In the case of presetting credit scoring threshold value in or equal to first, shopping list and distributor information are sent to supplier information
Corresponding supplier, and receive the approval amount of supplier's submission.Further, server is determined according to distributor information
Allow in the case of providing a loan to dealer, application amount and first difference checked and approved between amount are obtained, in the first difference
In the case of less than or equal to the first preset difference value threshold value, the amount of estimating of dealer is determined according to distributor information, and
Obtain and check and approve amount and estimate the second difference between amount, be less than or equal to the second preset difference value threshold value in the second difference
In the case of, obtain and check and approve amount and estimate the smaller value in amount, or obtain and check and approve amount and estimate being averaged for amount
It is worth, and then smaller value or average value is determined as to the loan limit of dealer, can be according to shopping list exactly to loan value
Degree is assessed, and advantageously reduces the credit risk of loan platform, while in the loan valuation stage increase to dealer to supplying
The credit evaluation of business is answered, also advantageously improves the authenticity for checking and approving amount assessment.
The embodiment of the present invention additionally provides a kind of loan limit apparatus for evaluating, which is used to perform earlier figures 2 or figure
The unit of method described in 3.Specifically, it is a kind of loan limit apparatus for evaluating provided in an embodiment of the present invention referring to Fig. 4
Schematic block diagram.The loan limit apparatus for evaluating of the present embodiment includes：Receiving unit 40, transmitting element 41 and determination unit 42.
Receiving unit 40, for receiving the loan requests of dealer's submission, application volume is carried in the loan requests
Degree, shopping list, supplier information and distributor information.
Transmitting element 41, corresponds to for sending the shopping list and the distributor information to the supplier information
Supplier.
The receiving unit 40, is additionally operable to receive the approval amount that the supplier submits, the approval amount is described
Supplier determines according to the shopping list and the distributor information.
Determination unit 42, in the case where being determined to allow according to the distributor information to provide a loan to the dealer,
According to the application amount and the loan limit checked and approved amount and determine the dealer.
Alternatively, the determination unit 42, is specifically used for：Obtain between the application amount and the approval amount
First difference, it is in the case where first difference is less than or equal to the first preset difference value threshold value, the approval amount is true
It is set to the loan limit of the dealer.
Alternatively, the determination unit 42, is specifically used for：Obtain between the application amount and the approval amount
First difference, in the case where first difference is less than or equal to the first preset difference value threshold value, believes according to the dealer
Breath determines the amount of estimating of the dealer, and obtains the approval amount and second difference estimated between amount,
In the case that second difference is less than or equal to the second preset difference value threshold value, determines the approval amount and described estimate
Smaller value in amount either the approval amount and the average value for estimating amount by the smaller value or described flat
Average is determined as the loan limit of the dealer.
Alternatively, the determination unit 42, is additionally operable to：Credit is carried out to the supplier based on the supplier information
Evaluation, determines the credit scoring of the supplier, is more than or equal to the first default letter in the credit scoring of the supplier
In the case of with scoring threshold value, trigger the transmitting element 41 and send the shopping list and the distributor information to described
The corresponding supplier of supplier information.
Alternatively, the determination unit 42, is additionally operable to：Credit is carried out to the dealer based on the distributor information
Evaluation, determines the credit scoring of the dealer, is more than or equal to the second default letter in the credit scoring of the dealer
In the case of with scoring threshold value, determine to allow to provide a loan to the dealer.
Alternatively, the determination unit 42, is specifically used for：Based on the distributor information, the letter of the dealer is obtained
With information, the corresponding credit scoring of every kind of credit information is determined, according to the corresponding credit scoring of the every kind of credit information,
Determine the credit scoring of the dealer.
Alternatively, the determination unit 42, is specifically used for：Based on the supplier information, the letter of the supplier is obtained
With information, the corresponding credit scoring of every kind of credit information is determined, according to the corresponding credit scoring of the every kind of credit information,
Determine the credit scoring of the supplier.
It should be noted that the function of each functional unit of the described loan limit apparatus for evaluating of the embodiment of the present invention
Can according in the embodiment of the method described in Fig. 2 or Fig. 3 method specific implementation, its specific implementation process be referred to Fig. 2 or
The associated description of the embodiment of the method for person Fig. 3, details are not described herein again.
In the embodiment of the present invention, receiving unit 40 can receive the loan requests of dealer's submission, and transmitting element 41 will be borrowed
The shopping list and distributor information carried in money request sends into loan requests the corresponding supplier of supplier information, connects
Receive unit 40 and receive the approval amount that supplier submits, determination unit 42 determines to permit according to distributor information in loan requests
Perhaps in the case of providing a loan to dealer, the loan limit of dealer is determined according to application amount and approval amount, can be according to buying
Inventory exactly assesses loan limit, advantageously reduces the credit risk of loan platform.
Fig. 5 is referred to, Fig. 5 is a kind of schematic block diagram of server provided in an embodiment of the present invention., should as shown in Fig. 5
Server includes, processor 501, memory 502 and network interface 503.Above-mentioned processor 501, memory 502 and network connect
Mouth 503 can be connected by bus or other modes, in Fig. 5 shown in the embodiment of the present invention exemplified by being connected by bus.Its
In, network interface 503 is used for messaging by the control of the processor, and memory 502 is used to store computer program, institute
Stating computer program includes programmed instruction, and processor 501 is used for the programmed instruction for performing the storage of memory 502.Wherein, handle
Device 501 is arranged to call described program instruction to perform：The loan requests of dealer's submission are received by network interface 503,
Application amount, shopping list, supplier information and distributor information are carried in the loan requests；Pass through the network
Interface 503 sends the shopping list and the distributor information to the corresponding supplier of the supplier information；By described
Network interface 503 receives the approval amount that the supplier submits, and the approval amount is the supplier according to the buying
What inventory and the distributor information determined；Determined to allow the feelings provided a loan to the dealer according to the distributor information
Under condition, according to the application amount and the loan limit checked and approved amount and determine the dealer.
It should be appreciated that in embodiments of the present invention, alleged processor 501 can be central processing unit (Central
Processing Unit, CPU), which can also be other general processors, digital signal processor
(Digital Signal Processor, DSP), application-specific integrated circuit (Application Specific Integrated
Circuit, ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other can
Programmed logic device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor
Device or the processor can also be any conventional processors etc..
The memory 502 can include read-only storage and random access memory, and provide instruction to processor 501
And data.The a part of of memory 502 can also include nonvolatile RAM.For example, memory 502 may be used also
With the information of storage device type.
In the specific implementation, the processor 501, memory 502 and network interface 503 described in the embodiment of the present invention can
The described implementation of embodiment of the method described in Fig. 2 or Fig. 3 provided in an embodiment of the present invention is performed, also can perform this
The implementation of the described loan limit apparatus for evaluating of inventive embodiments, details are not described herein.
A kind of computer-readable recording medium, the computer-readable storage are provided in another embodiment of the invention
Media storage has computer program, and the computer program includes programmed instruction, and described program instruction is real when being executed by processor
It is existing：The loan requests that dealer submits are received, application amount, shopping list, supplier information are carried in the loan requests
And distributor information；The shopping list and the distributor information are sent to the corresponding supplier of the supplier information；
Receive the approval amount that the supplier submits, the approval amount is the supplier according to the shopping list and described
What distributor information determined；In the case where being determined to allow to provide a loan to the dealer according to the distributor information, according to institute
State application amount and the loan limit checked and approved amount and determine the dealer.
The computer-readable recording medium can be the storage inside list of the server described in foregoing any embodiment
Member, such as the hard disk or memory of server.The computer-readable recording medium can also be the external storage of the server
The plug-in type hard disk being equipped with equipment, such as the server, intelligent memory card (Smart Media Card, SMC), safe number
Word (Secure Digital, SD) blocks, flash card (Flash Card) etc..Further, the computer-readable recording medium
The internal storage unit of the server can also both be included or including External memory equipment.The computer-readable storage medium
Matter is used to store the computer program and other programs and data needed for the server.It is described computer-readable to deposit
Storage media can be also used for temporarily storing the data that has exported or will export.
Those of ordinary skill in the art may realize that describe each exemplary with reference to the embodiments described herein
Unit and algorithm steps, can be realized with electronic hardware, computer software or the combination of the two, in order to clearly demonstrate
The interchangeability of hardware and software, generally describes each exemplary composition and step according to function in the above description
Suddenly.These functions are performed with hardware or software mode actually, application-specific and design constraint bar depending on technical solution
Part.Professional technician can realize described function to each specific application using distinct methods, but this
Realize it is not considered that beyond the scope of this invention.
It is apparent to those skilled in the art that for convenience of description and succinctly, the clothes of foregoing description
The specific work process of business device and unit, may be referred to the corresponding process in preceding method embodiment, details are not described herein.
In several embodiments provided herein, it should be understood that disclosed server and method, Ke Yitong
Other modes are crossed to realize.For example, device embodiment described above is only schematical, for example, the unit is drawn
Point, it is only a kind of division of logic function, can there is other dividing mode, such as multiple units or component when actually realizing
Another system can be combined or be desirably integrated into, or some features can be ignored, or do not perform.In addition, shown or beg for
The mutual coupling, direct-coupling or communication connection of opinion can be the indirect coupling by some interfaces, device or unit
Close or communication connection or electricity, the connection of mechanical or other forms.
The unit illustrated as separating component may or may not be it is physically separate, as unit
The component of display may or may not be physical location, you can with positioned at a place, or can also be distributed to more
In a network unit.Some or all of unit therein can be selected to realize the embodiment of the present invention according to the actual needs
The purpose of scheme.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also
It is that unit is individually physically present or two or more units integrate in a unit.It is above-mentioned integrated
Unit can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and is used as independent production marketing or use
When, it can be stored in a computer read/write memory medium.Based on such understanding, technical scheme essence
On the part that contributes in other words to the prior art, or all or part of the technical solution can be with software product
Form embodies, which is stored in a storage medium, including some instructions are used so that a meter
Calculate machine equipment (can be personal computer, server, or network equipment etc.) and perform each embodiment the method for the present invention
All or part of step.And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (Read-Only
Memory, ROM), random access memory (Random Access Memory, RAM), magnetic disc or CD etc. are various can be with
The medium of store program codes.
The above description is merely a specific embodiment, but protection scope of the present invention is not limited thereto, and appoints
What those familiar with the art the invention discloses technical scope in, various equivalent modifications can be readily occurred in
Or replace, these modifications or substitutions should be covered by the protection scope of the present invention.Therefore, protection scope of the present invention should
It is subject to scope of the claims.
Claims (10)
- A kind of 1. loan limit appraisal procedure, it is characterised in that including：The loan requests that dealer submits are received, application amount, shopping list, supplier information are carried in the loan requests And distributor information；The shopping list and the distributor information are sent to the corresponding supplier of the supplier information；The approval amount that the supplier submits is received, the approval amount is the supplier according to the shopping list and institute State what distributor information determined；In the case where being determined to allow to provide a loan to the dealer according to the distributor information, according to the application amount and institute State and check and approve the loan limit that amount determines the dealer.
- It is 2. according to the method described in claim 1, it is characterized in that, described true according to the application amount and the approval amount The loan limit of the fixed dealer, including：Obtain the application amount and first difference checked and approved between amount；In the case where first difference is less than or equal to the first preset difference value threshold value, the approval amount is determined as institute State the loan limit of dealer.
- It is 3. according to the method described in claim 1, it is characterized in that, described true according to the application amount and the approval amount The loan limit of the fixed dealer, including：Obtain the application amount and first difference checked and approved between amount；In the case where first difference is less than or equal to the first preset difference value threshold value, determined according to the distributor information Go out the dealer estimates amount；The approval amount and second difference estimated between amount is obtained, is less than or equal to the in second difference In the case of two preset difference value threshold values, the approval amount and the smaller value estimated in amount or the approval volume are determined Degree and the average value for estimating amount；The smaller value or the average value are determined as to the loan limit of the dealer.
- 4. method according to any one of claim 1-3, it is characterised in that the shopping list and described of sending To before the corresponding supplier of the supplier information, the method further includes distributor information：Credit evaluation is carried out to the supplier based on the supplier information, determines the credit scoring of the supplier；In the case where the credit scoring of the supplier is more than or equal to the first default credit scoring threshold value, the hair is performed The step of sending the shopping list and the distributor information corresponding to supplier information supplier.
- 5. according to the method described in claim 1, it is characterized in that, described determining to allow to institute according to the distributor information State dealer loan in the case of, according to it is described application amount and it is described check and approve amount determine the dealer loan limit it Before, the method further includes：Credit evaluation is carried out to the dealer based on the distributor information, determines the credit scoring of the dealer；In the case where the credit scoring of the dealer is more than or equal to the second default credit scoring threshold value, determine to allow to Dealer's loan.
- 6. according to the method described in claim 5, it is characterized in that, it is described based on the distributor information to the dealer into Row credit evaluation, determines the credit scoring of the dealer, including：Based on the distributor information, the credit information of the dealer is obtained；Determine the corresponding credit scoring of every kind of credit information；According to the corresponding credit scoring of the every kind of credit information, the credit scoring of the dealer is determined.
- 7. according to the method described in claim 4, it is characterized in that, it is described based on the supplier information to the supplier into Row credit evaluation, determines the credit scoring of the supplier, including：Based on the supplier information, the credit information of the supplier is obtained；Determine the corresponding credit scoring of every kind of credit information；According to the corresponding credit scoring of the every kind of credit information, the credit scoring of the supplier is determined.
- 8. a kind of loan limit apparatus for evaluating, it is characterised in that including for performing such as claim 1-7 any one of them sides The unit of method.
- 9. a kind of server, it is characterised in that including processor, network interface and memory, the processor, the network connect Mouth and the memory are connected with each other, wherein, the network interface is used for messaging by the control of the processor, described to deposit Reservoir is used to store computer program, and the computer program includes programmed instruction, and the processor is arranged to call institute Programmed instruction is stated, performs such as claim 1-7 any one of them methods.
- 10. a kind of computer-readable recording medium, it is characterised in that the computer-readable recording medium storage has computer journey Sequence, the computer program include programmed instruction, and described program instruction makes the processor perform such as when being executed by a processor Claim 1-7 any one of them methods.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711128420.8A CN107909467A (en) | 2017-11-15 | 2017-11-15 | A kind of loan limit appraisal procedure and relevant device |
| PCT/CN2018/089392 WO2019095666A1 (en) | 2017-11-15 | 2018-05-31 | Loan limit assessment method and related device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711128420.8A CN107909467A (en) | 2017-11-15 | 2017-11-15 | A kind of loan limit appraisal procedure and relevant device |
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| Publication Number | Publication Date |
|---|---|
| CN107909467A true CN107909467A (en) | 2018-04-13 |
Family
ID=61844159
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|---|---|---|---|
| CN201711128420.8A Pending CN107909467A (en) | 2017-11-15 | 2017-11-15 | A kind of loan limit appraisal procedure and relevant device |
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| CN (1) | CN107909467A (en) |
| WO (1) | WO2019095666A1 (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109118387A (en) * | 2018-08-03 | 2019-01-01 | 四川民工加网络科技有限公司 | The total packet evaluation of enterprises credit of building, block chain and storage medium based on block chain |
| WO2019095666A1 (en) * | 2017-11-15 | 2019-05-23 | 重庆小雨点小额贷款有限公司 | Loan limit assessment method and related device |
| CN109977087A (en) * | 2019-02-28 | 2019-07-05 | 深圳市买买提信息科技有限公司 | A kind of update detection method and device |
| CN110020786A (en) * | 2019-03-11 | 2019-07-16 | 阿里巴巴集团控股有限公司 | Business processing, air control recognition methods, device and equipment |
| CN111242795A (en) * | 2018-11-29 | 2020-06-05 | 重庆小雨点小额贷款有限公司 | Agricultural product transaction data processing method and device, server and storage medium |
| CN111861693A (en) * | 2019-04-29 | 2020-10-30 | 浙江大搜车软件技术有限公司 | Mortgage asset calculation method and device, electronic equipment and storage medium |
| CN113177837A (en) * | 2021-05-12 | 2021-07-27 | 广州市全民钱包科技有限公司 | Loan amount evaluation method, device, equipment and storage medium for loan applicant |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111274045B (en) * | 2020-01-14 | 2024-04-16 | 平安银行股份有限公司 | Multi-platform docking method and device, computer equipment and readable storage medium |
| CN112184425B (en) * | 2020-10-10 | 2024-01-12 | 深圳市欢太数字科技有限公司 | Method, device, equipment and storage medium for determining resource release limit |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20060161486A1 (en) * | 2005-01-20 | 2006-07-20 | Infusit | Financial services credit program |
| CN103236022A (en) * | 2013-04-26 | 2013-08-07 | 孔庆发 | Online trading-based online credit method and data processing system |
| CN107067319A (en) * | 2017-03-13 | 2017-08-18 | 平安科技（深圳）有限公司 | Loan limit measuring method and device |
| CN107909467A (en) * | 2017-11-15 | 2018-04-13 | 重庆小雨点小额贷款有限公司 | A kind of loan limit appraisal procedure and relevant device |
-
2017
- 2017-11-15 CN CN201711128420.8A patent/CN107909467A/en active Pending
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2018
- 2018-05-31 WO PCT/CN2018/089392 patent/WO2019095666A1/en active Application Filing
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2019095666A1 (en) * | 2017-11-15 | 2019-05-23 | 重庆小雨点小额贷款有限公司 | Loan limit assessment method and related device |
| CN109118387A (en) * | 2018-08-03 | 2019-01-01 | 四川民工加网络科技有限公司 | The total packet evaluation of enterprises credit of building, block chain and storage medium based on block chain |
| CN111242795A (en) * | 2018-11-29 | 2020-06-05 | 重庆小雨点小额贷款有限公司 | Agricultural product transaction data processing method and device, server and storage medium |
| CN109977087A (en) * | 2019-02-28 | 2019-07-05 | 深圳市买买提信息科技有限公司 | A kind of update detection method and device |
| CN110020786A (en) * | 2019-03-11 | 2019-07-16 | 阿里巴巴集团控股有限公司 | Business processing, air control recognition methods, device and equipment |
| CN110020786B (en) * | 2019-03-11 | 2023-10-31 | 创新先进技术有限公司 | Service processing and wind control identification method, device and equipment |
| CN111861693A (en) * | 2019-04-29 | 2020-10-30 | 浙江大搜车软件技术有限公司 | Mortgage asset calculation method and device, electronic equipment and storage medium |
| CN113177837A (en) * | 2021-05-12 | 2021-07-27 | 广州市全民钱包科技有限公司 | Loan amount evaluation method, device, equipment and storage medium for loan applicant |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2019095666A1 (en) | 2019-05-23 |
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