CN108256992A - A kind of mortgage loan air control method - Google Patents
A kind of mortgage loan air control method Download PDFInfo
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- CN108256992A CN108256992A CN201711466113.0A CN201711466113A CN108256992A CN 108256992 A CN108256992 A CN 108256992A CN 201711466113 A CN201711466113 A CN 201711466113A CN 108256992 A CN108256992 A CN 108256992A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The present invention provides a kind of mortgage loan air control method, applicant's information is acquired and analyzed before mortgage loan, and credit evaluation table is generated based on applicant's information, comprehensive assessment value is obtained according to the credit evaluation table, the loan application of applicant is responded according to comprehensive assessment value, for solving the problem of that the distortion sex chromosome mosaicism of the existing analysis model based on network big data and single artificial face examine inefficiency and can not intersect comparison, excavation risk point in time.The present invention has the advantages that analysis is precisely reliable, review efficiency is high.
Description
Technical field
The invention belongs to information technology fields, and in particular to a kind of mortgage loan air control method.
Background technology
Medium-sized and small enterprises, self-employed entrepreneur are the important components in national economic system.It is limited to itself scale and hair
The limitation of history is opened up, credit information of this group in conventional banking facilities and existing credit investigation system comprehensively, not in time, is not led
Them is caused to be difficult to the credit appraisal system by these mechanisms, fund needed for acquisition.And with automobile, object obtains loan as security
Mode because to obtain the time short for fund, turnover is convenient, also just becomes a kind of selection of many Financings.It is but right
The credit evaluation of medium-sized and small enterprises and Risk-warning but become a problem in such credit movement.
Management passes through two kinds of approach before loan of the current more financial institution in same type business：
First, internet big data is excavated
The information left in various social activitieies using applicant according to preset data model and evaluation criterion, is given
Go out risk suggestion and credit suggestion.Although data are abundant, data model is still selective, and different model results may not
It is unified.Due to needing enough data model training process, cause the early warning period long, early warning latitude is single；And rely on application
The social activities active degree of people.Once the social active degree of applicant is low, analysis result it is possible that distortion, also can not be timely
It was found that targetedly evading behavior and behavior of cheating loan.Lack the concrete analysis to applicant's situation and evaluation, it is difficult to after satisfaction
The refinement demand of continuous work.
2nd, it manually audits face to face
Table is examined according to the face made is pre-designed, according to the necessary written material that applicant provides, utilizes enquirement
Etc. means, make corresponding evaluation score, and provide credit suggestion.The educational level, psychological quality, work duty of personnel is examined by face
The factors such as Ren Xin, social experiences, personal morality influence, and are fluctuated in evaluation scoring, artificial subjectivity is strong.By workflow
With the influences such as working time, it is susceptible to not in place to the relevant information and data comparison of applicant or can not in time compares very
To moral hazard.
In addition, current credit risk control mainly still biases toward post-loan management.Such as vehicle mortgage loan, can depend on
Specific equipment on guaranty is installed, collects, calculate, the movement locus of analysis guaranty, setting warning information etc..But wind
Danger, such as guaranty movement locus exception, cheats loan once occurring or guaranty is loss, and either recovers guaranty still to application
People's collection has resulted in unnecessary loss and burden for credit financing mechanism.So manual examination and verification or mutual
Big data of networking audit when individually facing dolus malus, cheating loan, can not make examination and early warning, to credit operation in time
Follow-up work directly brings risk.
Therefore it is badly in need of wanting that a kind of data analysis distortion is small, review efficiency is high, audit accuracy is high, reduces post-loan management wind
Danger and the mortgage loan air control method of difficulty.
Invention content
The object of the present invention is to provide a kind of mortgage loan air control method, to solve the prior art analysis model distortion factor
High, the problem of review efficiency is low, post-loan management is inconvenient.
The present invention provides following technical solutions：
A kind of mortgage loan air control method acquires and analyzes applicant's information before mortgage loan, and based on the application
People's information generates credit evaluation table, obtains comprehensive assessment value according to the credit evaluation table, is responded and applied according to comprehensive assessment value
The loan application of people；The air control method includes the following steps：
S1, data input and examination：Access several data sources or data platform, the personally identifiable information of typing applicant with
And collateral value information, and checked after being authorized；
S2, data processing and analysis：It excavates and compares the information checked in step S1, generate initial credit evaluation information；
S3, risk assessment：Initial credit evaluation information recombination generation credit evaluation table in step S2, calculates synthesis
Assessed value determines whether credit extension loan.
Preferably, the information of typing further includes personal information information and society in third-party server in the S1
Activity relationship information.
Further, the social activities relation information further includes communication data.
Further, it is excavated in the S2 by crawlers and compares the information checked in step S1.
Preferably, the step S2 further includes the comparison of demand for loan information authenticity and credit fraud analysis.
Further, the credit fraud analysis includes：Compare applicant is in step sl in the information of institute's typing
It is no there are history borrow money it is overdue, if typing information is inconsistent with comparison information, be determined as credit fraud.
Preferably, the credit evaluation table includes dynamic several assessment elements, and each assessment element corresponds to respectively
There is individual event core point.
Further, to the individual event core point summation of the assessment element, comprehensive assessment value is obtained, and the synthesis is commented
Valuation is divided into first grade of qualification, second gear qualification and third gear qualification.
Further, the comprehensive assessment value of first grade of qualification is the synthesis of the second gear qualification more than 90 points
Assessed value is 60 points to 90 points, and the comprehensive assessment value of the third gear qualification is less than 60 points.
Further, the third gear qualification is determined as not credit qualification.
The beneficial effects of the invention are as follows：
Present solution provides a kind of mortgage loan air control methods, employ multiple data sources or data platform, pass through intersection
It compares and by way of generating credit evaluation table and carrying out matching core point, is conducive to accurately judge before loan the money of applicant
Matter examines inefficiency for solving the distortion sex chromosome mosaicism of the existing analysis model based on network big data and single artificial face,
Comparison can not be intersected in time, excavate the problem of risk point, so as to reduce the risk that financial institution carries out this business, improve audit
Efficiency reduces the risk and work difficulty of post-loan management.
Description of the drawings
Attached drawing is used to provide further understanding of the present invention, and a part for constitution instruction, the reality with the present invention
Example is applied together for explaining the present invention, is not construed as limiting the invention.In the accompanying drawings：
Fig. 1 is whole step schematic diagram of the invention；
Fig. 2 is flow diagram of the embodiment of the present invention；
Specific embodiment
As shown in Figure 1, a kind of mortgage loan air control method, acquires and analyzes applicant's information, and base before mortgage loan
Credit evaluation table is generated in applicant's information, comprehensive assessment value is obtained according to the credit evaluation table, according to comprehensive assessment
The loan application of value response applicant；The air control method includes the following steps：
S1, data input and examination：Access several data sources or data platform, the personally identifiable information of typing applicant with
And collateral value information, and checked after being authorized；
S2, data processing and analysis：It excavates and compares the information checked in step S1, generate initial credit evaluation information；
S3, risk assessment：Initial credit evaluation information recombination generation credit evaluation table in step S2, calculates synthesis
Assessed value determines whether credit extension loan.
Preferably, the information of typing further includes personal information information and society in third-party server in the S1
Activity relationship information.
Further, the social activities relation information further includes communication data.
Further, it is excavated in the S2 by crawlers and compares the information checked in step S1.
Preferably, the step S2 further includes the comparison of demand for loan information authenticity and credit fraud analysis.
Further, the credit fraud analysis includes：Compare applicant is in step sl in the information of institute's typing
It is no there are history borrow money it is overdue, if typing information is inconsistent with comparison information, be determined as credit fraud.
Preferably, the credit evaluation table includes dynamic several assessment elements, and each assessment element corresponds to respectively
There is individual event core point.
Further, to the individual event core point summation of the assessment element, comprehensive assessment value is obtained, and the synthesis is commented
Valuation is divided into first grade of qualification, second gear qualification and third gear qualification.
Further, the comprehensive assessment value of first grade of qualification is the synthesis of the second gear qualification more than 90 points
Assessed value is 60 points to 90 points, and the comprehensive assessment value of the third gear qualification is less than 60 points.
Further, the third gear qualification is determined as not credit qualification.
As shown in Fig. 2, in practical applications, applicant is by the demand of loan audit, typing personal information；Check applicant
The guaranty of offer assesses collateral value；According to the information of applicant or mandate, obtain applicant from third-party server and show
Some credit informations；If above compare, evaluation process termination inconsistent in the presence of comparing；The documentary evidence of cross validation's guaranty
And registration documents；The information that comparison applicant voluntarily provides arranges social activity and social relationships；Whether compare applicant's data
Unanimously, determine whether purpose and intention are consistent；Investigate living conditions, management place；Wherein, authentication is initial by rear generation
Credit appraisal, and then above- mentioned information comparison and demand information comparison are carried out, if inconsistent in the presence of comparing, terminate and assessed
Journey；Above step repeatedly, it is determined whether give applicant's credit, and then generate audit resolution signal, by audit, label of making loans
About, it is transitioned into post-loan management platform.
Specifically, the assessment element in credit evaluation table chooses and corresponding individual event core point includes：
(1) age：28-50 Sui 3 points；51-60 Sui 2 points；18-28 Sui 1 point；60 years old or more 0 point；
(2) marital status：It is married to there are children 3 to divide；It is married to have no children 2 points；Unmarried remarried 1 point of the death of one's spouse；0 point of divorce.
(3) schooling：More than postgraduate 4 points；Undergraduate course 3 divides；Junior college 2 divides；Special secondary school or senior middle school 1 divide；Other -1 point.
(4) registered permanent residence situation：The local registered permanent residence 4 divides；The local small towns registered permanent residence 2 divides；Other places is moved into 2 points local；The nonlocal small towns registered permanent residence 0
Point.
(5) health status：2 points well (are recorded) without being hospitalized；Generally 0 point of (non-general major disease be hospitalized record)；Difference (weight
Big disease, which is hospitalized, to be recorded) -2 points.
(6) house property situation：Full payment has 6 points of card without mortgage；Full payment has card, but mortgages 3 points again；Mortgage 2
Point；Full payment does not demonstrate,prove 1 point；Self-built housing 1 divides；Rent -2 points.
(7) job specification：Civil servant 10 divides；Public institution 5 divides；Years experience corporate boss 3 divides for non-recent registration；Individual
Family 2 is divided；Contractor does manual work 1 point；It has no regular occupation -3 points.
(8) occupational group：Insurance, financing, multiple level marketing suggestion is escorted goods on a train, truck, etc. under line and on line；Other illegal occupations are suggested escorting goods on a train, truck, etc..
(9) public notification of information platform records：No any record of bad behavior 5 divides；It is warned or publicity records 2 points；In the presence of being punished
0 point of record.
(10) it is performed situation record：No any be performed records 5 points；Borrower or company had what is performed but be settled
2 points of record；There is execution and outstanding 0 point of record in borrower or company；Borrower or company, which exist to be performed, does not close note
Record, and great amount suggestion is escorted goods on a train, truck, etc..
(11) enterprise operation situation or personal investment：Annual turnover is 5 points more than 1,000,000；300000-100 ten thousand 3 points；300000
1 point below；Unstable 0 point of returned money period.
(12) equity situation：It borrows money artificial actual controller or big shareholder 3 divides；Borrow money the shareholder for artificially having participative decision making to weigh
2 points；It shareholder but is not involved in company management 1 and divides；Other 0 point.
(13) company size：50 people's more than share-holding system Co., Ltds 4 divide；20-50 people's share-holding system Co., Ltd 3 divides；20 people
Following Co., Ltd 2 divides；The materials such as no business license 1 divide；Other 0 point.
(14) people's vehicle matching degree：Personal demeanor clothing taste is good, and house decoration is general, no high consumption behavior 8
Point；Personal demeanor clothing taste is good, and house decoration is luxurious, and consumption habit is 6 points higher；Personal demeanor clothing taste
Generally, house decoration is general, and no high consumption behavior 4 divides；Personal demeanor clothing taste is poor, and house decoration is simpler and cruder, disappears
Take poor -3 points of custom；Personal overall image makings is not inconsistent -5 points completely with driving vehicle.
(15) vehicle possesses the time：2 years or more 3 points；2 points of 1-2；1 point in 1 year；- 2 points in 6 months；New car suggestion is given as security
Vehicle.
(16) vehicular seat：3 points in the affiliated city urban district of branch company；Branch company affiliated city periphery small towns 2 is divided；Institute of branch company
Possession area is -2 points of high-risk area.
(17) information belonging to vehicle power：It is individually 3 points under one's name personal；Independent lower 2 points of company name；With occasionally other friends relatives
1 point under one's name of friend；Other 0 point.
(18) vehicle to change information：Without 5 points；2 times and 3 points following；3-5 times 0 point；5 times or more -3 points.
(19) vehicle peccancy：Without 3 points violating the regulations；It is less than 9 points 2 points violating the regulations；9-12 points 1 point violating the regulations；It is 12 points or more -1 point violating the regulations.
(20) car insurance：Compulsory insurance for traffic accident of motor-drivenvehicle, business risk (being damaged comprising vehicle) are 3 points complete；Only compulsory insurance for traffic accident of motor-drivenvehicle 2 is divided；In business risk not
Buy 1 point of vehicle damage danger；Business risk does not buy -1 point for many years.
(21) vehicle service condition：Treasure very much, apparent 3 points of personal characteristics；Compare neat and tidy 2 to divide；It does not beat for a long time
1 point of reason；Vehicle damage does not repair -1 point.
(22) credit card quantity：Without 4 points；Less than 22 points；2-4 1 point；4 or more -2 points.
(23) credit card amount uses：It is not used or has only used within full amount 20% 4 points；Full amount 50% is used
3 points；Full amount 80%1 has been used to divide；Quota using and there is arbitrage situation 0 to divide.
(24) personal liability：Without 5 points；Less than 10000 4 points；10,000 points of 1-10；More than 100000-5 points.
(25) bank reference：0 overdue 5 point of bank reference in 24 months；It is overdue 2 points short-term less than 2 times in 24 months；24
Can have that 4 times overdue or the overdue suggestion of a wholesale is escorted goods on a train, truck, etc. a moon；Reference 0 is not transferred to divide.
(26) it provides a loan and operates on line in the recent period：Without 5 points of operation；34 points；52 points；5 or more 1 point；Frequent bull debt-credit-
5 points.
(27) phone number usage time：5 years and 3 points above；2 points within 5 years 2 years or more；1 within 2 years 1 year or more
Point；It is less than 1 year or 0 point newly-set-up in the recent period.
(28) whether often go on business：Substantially it does not go on business 3 points；It needs to go on business 2 points in half a year；It is required for every month going on business 1 point；
Vehicle is for a long time -1 point nonlocal.
(29) my company, which continues, borrows frequent customer：No overdue frequent customer 5 divides；There is overdue frequent customer 3 to divide；Pad also suspicion has not been closed
Frequent customer 1 divides；No 0 point.
(30) guarantor：There is mechanism to assure 10 points；The corporate surety 5 for having stronger strength divides；Have stronger strength individual or
Spouse assures 3 points；Without 0 point.
(31) visit to the parents of schoolchildren or young workers feedback：Family stablizes, apparent 5 points of inhabitation trace；General 3 points of inhabitation trace；Without apparent inhabitation trace 0
Point；Behavior recommendation there are third party's packaging or mechanism operation is escorted goods on a train, truck, etc..
Therefore according to above-described embodiment, the applicant of demand is applicable to, based on above-mentioned air control method, the present invention is advantageous
In the qualification that applicant is accurately judged before loan, for solving the distortion of the existing analysis model based on network big data
Inefficiency is examined in problem and single artificial face, can not be intersected comparison in time, be excavated the problem of risk point, so as to reduce financial machine
Structure carries out the risk of this business, improves review efficiency.
The foregoing is only a preferred embodiment of the present invention, is not intended to restrict the invention, although with reference to aforementioned reality
Example is applied the present invention is described in detail, it for those skilled in the art, still can be to aforementioned each implementation
Technical solution recorded in example modifies or carries out equivalent replacement to which part technical characteristic.All essences in the present invention
With within principle, any modification, equivalent replacement, improvement and so on should all be included in the protection scope of the present invention god.
Claims (10)
- A kind of 1. mortgage loan air control method, which is characterized in that acquired before mortgage loan and analyze applicant's information, and be based on Applicant's information generates credit evaluation table, comprehensive assessment value is obtained according to the credit evaluation table, according to comprehensive assessment value Respond the loan application of applicant；The air control method includes the following steps：S1, data input and examination：It accesses several data sources or data platform, the personally identifiable information of typing applicant and supports Wagering value information, and checked after being authorized；S2, data processing and analysis：It excavates and compares the information checked in step S1, generate initial credit evaluation information；S3, risk assessment：Initial credit evaluation information recombination generation credit evaluation table in step S2, calculates comprehensive assessment Value, determines whether credit extension loan.
- 2. a kind of mortgage loan air control method according to claim 1, which is characterized in that the information of typing is also in the S1 Including the personal information information and social activities relation information in third-party server.
- A kind of 3. mortgage loan air control method according to claim 2, which is characterized in that the social activities relation information Further include communication data.
- 4. a kind of mortgage loan air control method according to claim 3, which is characterized in that pass through crawlers in the S2 It excavates and compares the information checked in step S1.
- 5. a kind of mortgage loan air control method according to claim 1, which is characterized in that the step S2 further includes loan Demand information authenticity compares and credit fraud analysis.
- A kind of 6. mortgage loan air control method according to claim 5, which is characterized in that the credit fraud analysis bag It includes：Compare applicant borrow money in step sl with the presence or absence of history in the information of institute's typing it is overdue, if typing information and comparing letter It ceases inconsistent, is then determined as credit fraud.
- 7. a kind of mortgage loan air control method according to claim 1, which is characterized in that the credit evaluation table includes dynamic Several assessment elements of state, each assessment element are corresponding with individual event core point respectively.
- A kind of 8. mortgage loan air control method according to claim 7, which is characterized in that the individual event to the assessment element Core point summation obtains comprehensive assessment value, and the comprehensive assessment value is divided into first grade of qualification, second gear qualification and third gear and is provided Matter.
- A kind of 9. mortgage loan air control method according to claim 8, which is characterized in that the synthesis of first grade of qualification Assessed value is more than 90 points, and the comprehensive assessment value of the second gear qualification is 60 points to 90 points, the synthesis of the third gear qualification Assessed value is less than 60 points.
- 10. a kind of mortgage loan air control method according to claim 9, which is characterized in that sentence the third gear qualification It is set to not credit qualification.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711466113.0A CN108256992A (en) | 2017-12-28 | 2017-12-28 | A kind of mortgage loan air control method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711466113.0A CN108256992A (en) | 2017-12-28 | 2017-12-28 | A kind of mortgage loan air control method |
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| Publication Number | Publication Date |
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| CN108256992A true CN108256992A (en) | 2018-07-06 |
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| CN201711466113.0A Pending CN108256992A (en) | 2017-12-28 | 2017-12-28 | A kind of mortgage loan air control method |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109242151A (en) * | 2018-08-15 | 2019-01-18 | 蜜小蜂智慧（北京）科技有限公司 | A kind of method and device of determining blacklist |
| CN111127195A (en) * | 2019-12-31 | 2020-05-08 | 中信百信银行股份有限公司 | Simulation-based data wind control value evaluation method, device, equipment and medium |
| CN111210195A (en) * | 2019-12-27 | 2020-05-29 | 安徽科讯金服科技有限公司 | Online house mortgage loan system based on government affair big data |
| CN112600899A (en) * | 2020-12-08 | 2021-04-02 | 台州动产质押金融服务有限公司 | Resource obtaining method, equipment and medium based on vehicle |
| CN112651828A (en) * | 2021-01-06 | 2021-04-13 | 谭长辉 | Room lending vehicle lending repayment system |
| CN113052672A (en) * | 2019-12-26 | 2021-06-29 | 北京宸信征信有限公司 | Processing method and system for fighting illegal fraud based on loan application association relation |
-
2017
- 2017-12-28 CN CN201711466113.0A patent/CN108256992A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109242151A (en) * | 2018-08-15 | 2019-01-18 | 蜜小蜂智慧（北京）科技有限公司 | A kind of method and device of determining blacklist |
| CN113052672A (en) * | 2019-12-26 | 2021-06-29 | 北京宸信征信有限公司 | Processing method and system for fighting illegal fraud based on loan application association relation |
| CN111210195A (en) * | 2019-12-27 | 2020-05-29 | 安徽科讯金服科技有限公司 | Online house mortgage loan system based on government affair big data |
| CN111127195A (en) * | 2019-12-31 | 2020-05-08 | 中信百信银行股份有限公司 | Simulation-based data wind control value evaluation method, device, equipment and medium |
| CN111127195B (en) * | 2019-12-31 | 2023-08-11 | 中信百信银行股份有限公司 | Simulation-based data wind control value evaluation method, device, equipment and medium |
| CN112600899A (en) * | 2020-12-08 | 2021-04-02 | 台州动产质押金融服务有限公司 | Resource obtaining method, equipment and medium based on vehicle |
| CN112651828A (en) * | 2021-01-06 | 2021-04-13 | 谭长辉 | Room lending vehicle lending repayment system |
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Application publication date: 20180706 |