CN109064307A - Business bank obtains the method and system of visitor, distribution & management based on the loan that interior data is excavated - Google Patents
Business bank obtains the method and system of visitor, distribution & management based on the loan that interior data is excavated Download PDFInfo
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- CN109064307A CN109064307A CN201810571144.0A CN201810571144A CN109064307A CN 109064307 A CN109064307 A CN 109064307A CN 201810571144 A CN201810571144 A CN 201810571144A CN 109064307 A CN109064307 A CN 109064307A
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- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The present invention relates to commercial bank loans business scopes, are a kind of method and system that business bank obtains visitor, loan implementation and post-loan management based on the loan that interior data is excavated, are particularly suitable for loan of small and medium enterprise.Mainly solve that current Financing is difficult and the tax therefore developed borrow the existing loan of business obtain it is objective it is difficult, borrow after air control it is difficult, based on revenue data precision, dimension and multi-cycle finite, the problems such as prospective borrower is limited.Invention devises the method and system of a set of loan administration, before loan, is based on business bank's internal data, Classifying Sum counts taxpayer's tax information, assesses loan limit；In loan, the effective client of active mating is final to determine loan limit and by waiting channels to offer loans on line on the basis of obtaining taxpayer family authorization query other information；After loan, implement risk dynamic monitoring after the loan borrowed with tax control.The present invention is of great advantage to collecting all due for sme development and state revenue.
Description
Technical field
It is that business bank is based on its internal number the present invention relates to business bank (containing credit office, similarly hereinafter) loan transaction field
A kind of method and system that visitor, loan implementation and post-loan management are obtained according to the loan of excavation, are particularly suitable for business bank to medium and small
The loan of enterprise.
Background technique
Financing is difficult.Medium-sized and small enterprises are play an important role in the development of China's economy and society, medium-sized and small enterprises wound
The final products and value of services made are equivalent to 60% of GDP or so, and volume of paying taxes is 50% left side of state tax revenue total value
The right side provides nearly 80% cities and towns job.But all the time, Financing difficulty outstanding problem, the main reason is that in
It is lack of standardization that small enterprise lacks guaranty, financial rule, business bank to investigation before the loan of loan of small and medium enterprise and post-loan management at
This is relatively high, and risk is larger, and wish is weaker.Financing difficulty problem influences enterprise and national economic development, causes
Centre is paid high attention to.
Corporate tax data are reliable.The tax revenue (containing non-tax, similarly hereinafter) that enterprise pays is by revenue department's (expropriation and management of tax revenue
Department is revenue department, and the expropriation and management department of non-tax is Fei Shuizhishou organ, hereafter replaces including revenue department with revenue department
And the expropriation and management department of Zhi Shou organ) to what is determined after the assessment of enterprise operation situation, inspection.When applying providing a loan to bank with enterprise certainly
The financial statement data that row provides is compared, and data of paying taxes are more true, reliable, is the ideal indicator for assessing enterprise operation situation.
Tax borrows business and releases one after another.In recent years, business bank has launched tax and borrows business, the great attention by country
With the abundant approval in market.Such as " tax loan " of industrial and commercial bank；" tax is easily borrowed " of Construction Bank, Bank of China " tax is borrowed logical
It is precious ", " tax silver is logical " of agricultural bank, Everbright Bank " tax letter is logical ".Relevant department repeatedly sends the documents promotion " silver-colored tax interaction " business,
The small micro- enterprise development of power-assisted;
Tax is borrowed business and is referred to: qualified taxpayer [enterprise more than generally nearly B grades of 2 years taxpaying credit grades (containing)],
Loan application is submitted to business bank by interconnected network mode and authorized bank obtains its data of paying taxes, commercial silver to revenue department
Row grants credits according to the taxpayer that revenue department feeds back data of paying taxes.With agricultural bank's " tax silver logical " and industrial and commercial bank
It is as follows that " tax loan " illustrates that tax borrows business respectively:
Agricultural bank " tax silver is logical ": loan limit is determining according to nearly 2 years average taxation volume total values of enterprise × amplification factor,
In: total value of paying taxes is calculated by value-added tax and enterprise income tax aggregation；Taxpaying credit is that A grades of amplification factor is 5, and taxpaying credit is
B grades of amplification factor is 4.Not more than 2,000,000 yuan of single household loan limit in principle, and it is not higher than borrower actual controller
And the effective net assets of individual of spouse;
" tax loan " of industrial and commercial bank: it is suitable for the little Wei enterprise of nearly B grades of 2 years taxpaying credit grades (containing) or more, loan limit
Calculated by value-added tax (2 annual mean) × 3+ income tax (2 annual mean) × 5, have increasing letter measure reaches as high as 5,000,000
Member；Without letter measure is increased, 2,000,000 yuan are reached as high as.
Tax borrows business Shortcomings.Tax is borrowed business and is disadvantageous in that: first is that tax borrows business with taxpayer " active " hair
Application tax is played to borrow business and business bank is authorized to inquire premised on taxpayer's tax information data by revenue department.Due to information
Taxpayer's ratio of asymmetry, " active " is low, and business bank obtains objective hardly possible.Second is that in tax loan business, revenue department is to commercial silver
The data dimension that row provides is limited, influences the precision of commercial bank loans assessment.Mostly nearly 2 years taxpaying credit grades and
The data such as value-added tax and the income tax amount of tax to be paid do not include the non-revenue receipt situation that other Zhi Shou organs impose yet, more especially penalize
Money situation, such as environmental fines, to enterprise operation situation predictive value with higher.Third is that having application in tax loan business
The taxpayer of business qualification generally requires as the enterprise more than nearly B grade of 2 years taxpaying credit grades (containing), but in fact, other enterprises
Industry is not necessarily just not suitable for loan, such as the little Wei enterprise continuously to have paid taxes 1 year.These little Wei enterprises are perhaps because cannot
It obtains tax and borrows bring financial support, and going concern or can not persistently pay taxes, then can't be nearly 2 years taxpaying credits etc.
Enterprise more than B grades of grade (containing), is excluded except tax loan business.Fourth is that revenue department is only in enterprise Shen in tax loan business
Please tax borrow business time point, to bank provide taxpaying credit evaluation result, loan the survival phase do not provide persistently, do not formed
Based on taxpayer pay taxes data grant credits business loan before, the closed loop in logic of post-loan management, be unfavorable for commercial silver
The lasting of risk, dynamic monitoring management after row is borrowed.
Summary of the invention
In view of the above-mentioned problems, the present invention, which provides a kind of business bank, obtains visitor, loan based on the loan that interior data is excavated
It provides and the method and system of post-loan management, realization solves business bank with low cost, expeditiously to the loan of medium-sized and small enterprises
Obtain the problem of visitor, loan origination and post-loan management.
One of innovative point of the present invention: business bank is based on internal data, Classifying Sum taxpayer's tax information.Business bank
Handled for taxpayer pay taxes business when, according to the relevant regulations of national treasury management, business bank should use unified accounting item
It is calculated with account.Accordingly, business bank can develop corresponding system, extract the business flowing water determined under account, according to
The principle that counterparty is penetrated into final taxpayer is subjected to data cleansing, with artificial mark of paying taxes, Classifying Sum statistics is paid taxes
Information.This innovation compensates for current tax and borrows business the needs high cost of bring, poor efficiency premised on " active " of taxpayer
Problem is realized with lower cost, grasps the complete tax information of all taxpayers for handling the business of paying taxes in current row.
The two of innovative point of the present invention: business bank is based on using taxpayer's tax information as the high-precision of core, various dimensions, length
Cycle data assesses loan limit.Business bank on the basis of " be based on internal data, Classifying Sum taxpayer tax information ",
Corresponding system can be developed, based on using taxpayer's tax information as the high-precision of core, various dimensions, long period data, is implemented
Data portrait based on taxpayer, assesses loan limit.High-precision includes: based on both can paying taxes total value by taxpayer
Assess loan limit, and the enterprise management condition that can be reflected according to the specific tax category and the specific tax category, fine assessment loan
Amount.Various dimensions include: that loan limit can be not only assessed based on data of paying taxes, but also the industry and commerce that can be grasped according to bank
The information various dimensions such as registration, associated client, historical trading assess loan limit.Long period includes: both can be with nearest year
Assess loan limit based on data, and can be according to the continuity of the enterprise operation situation that long period data are shown, steady
Property and sustainability, fully assess loan limit.This innovation compensates for precision, the dimension that current tax borrows the information that business obtains
The deficiency that the precision of commercial bank loans assessment is influenced with multi-cycle finite bring, to the assessment energy of the business circumstance of taxpayer
It is more scientific, accurate, be conducive to control loan limit to support enterprise's prudent operation, be conducive to bank's discretion implementation loan and determine
Plan.
The three of innovative point of the present invention: assessment of the business bank based on loan limit screens effective client and notifies client.Quotient
Industry bank is on the basis of assessing loan limit, taxpayer of the screening assessment loan limit more than certain scale, according to itself
The trade connection mode of grasp, the effective client of proactive contact carry out accurately point-to-point marketing.This innovation compensates for current tax
Loan business improves marketing efficiency, is embodied as having because business bank lacks the high cost of initiative bring, inefficient Marketing
Effective client of demand for loan, provides effective service.
The four of innovative point of the present invention: business bank is based on using taxpayer's tax information as the high-precision of core, various dimensions, length
Post-loan management is implemented in the excavation of cycle data.After loan origination, business bank can be based on using taxpayer's tax information as core
The excavation of the high-precision, various dimensions, long period data of the heart is implemented according to the method for assessment loan limit or using other methods
In batches, persistently, dynamically, automatic monitoring taxpayer's business circumstance, the post-loan management realizing low cost, being borrowed with tax control, to receiving
The enterprise for situations such as tax is abnormal takes related management measure in time.This innovation, which compensates for current tax, borrows business and is not formed and be based on
Taxpayer pay taxes data grant credits business loan before, the deficiency of the closed loop in logic of post-loan management, i.e., based on paying taxes
People's data of paying taxes are offered loans, but carry out post-loan management further according to data of paying taxes later and not, and there are managing risks and loophole for this.
The innovation provides a kind of new post-loan management method borrowed with tax control, improves the timeliness, validity and needle of post-loan management
To property.
Detailed description of the invention
Fig. 1 is flow chart of the invention: business bank obtains visitor, loan origination and loan based on the loan that interior data is excavated
The method and system flow chart managed afterwards；Fig. 2 is business bank through receiving business process map.
Specific embodiment
Before the specific embodiment of the invention includes: loan, it is based on internal data, Classifying Sum taxpayer's tax information；It is based on
Using taxpayer's tax information as the high-precision of core, various dimensions, long period data, loan limit is assessed.In loan, based on based on loan
The assessment of amount of money degree screens effective client and notifies client；Based on the other information of client authorization inquiry, loan limit is determined；
Based on channels equal on line, offer loans.After loan, based on using taxpayer's tax information as the high-precision of core, various dimensions, long period
Post-loan management is implemented in the excavation of data.
About based on internal data, Classifying Sum taxpayer's tax information.It refers specifically to: according to " business bank, credit office's generation
Manage national treasury service management method " (People's Bank of China enables (2001) No. 1), " budgetary receipts of national revenue agency storage, one
Rule use ' wait settle accounts ' wait report solution budgetary receipts ' of financial fund ' section now, specially family is calculated ", national revenue agency is business
Bank, operation flow are shown in Fig. 2: business bank is through receiving operation flow.Accordingly, business bank can develop corresponding system, extract
It is clear to carry out data according to the principle that counterparty is penetrated into final taxpayer for the business flowing water of " wait report solution budgetary receipts " account
It washes, with artificial mark of paying taxes, Classifying Sum counts tax information.
[0013] part bank is not in strict accordance with " business bank, acting as fiscal agent of credit office service management method " (Chinese
People bank enables (2001) No. 1) setting " wait report solution budgetary receipts " account, but there are stringent account setup rule in every bank
Then, the convenience of data extraction is not influenced.
Business bank calculates taken over non-revenue receipt using other subjects, and collecting method is done referring to [0013]
Method.
[0013] counterparty described in refers to that account as collecting account, transfers fund to it " wait report solution budgetary receipts "
Bank settlement account, cash, the corresponding taxpayer such as Third-party payment account.Counterparty, that is, taxpayer.
[0013] counterparty described in, some banks are provided with complicated funds transfer link, are especially provided with this
The links such as the funds transfer between row inter-account, between the superior and the subordinate's row should be penetrated into final taxpayer's according to by counterparty
Principle carries out data cleansing, and by the account for finally paying fund, with artificial mark of paying taxes, Classifying Sum counts tax information.
It is conditional, it can also take over retention in system from national treasury information processing system (TIPS), financial non-revenue receipt and pay
Tax subject, limit pay the information such as date, are further supplemented.
Business bank should analyze in its accounting processing process for storing tax, Hang Nei the superior and the subordinate row fund clearing rule and row
Service system structure etc. develops corresponding system, realizes Classifying Sum statistics.
[0019] the Classifying Sum statistical method includes the Classifying Sum statistics carried out using all kinds of statistic algorithms.
About based on using taxpayer's tax information as the high-precision of core, various dimensions, long period data, loan value is assessed
Degree.Refer specifically to: business bank can develop corresponding on the basis of " based on internal data, Classifying Sum taxpayer tax information "
System implement based on taxpayer based on using taxpayer's tax information as the high-precision of core, various dimensions, long period data
The data of body are drawn a portrait, and loan limit is assessed.
It [0021] in high precision include: to assess loan limit based on not only can paying taxes total value by taxpayer, but also it can basis
The enterprise management condition that the specific tax category and the specific tax category are reflected, finely assesses loan limit.
[0022] described using total value of paying taxes as the assessment of radix, in operation, can using the certain multiple for total value of paying taxes as
Loan limit.The setting of this multiple can refer to: social collecting funds scale storage (or in which non-financial business and organ
Loan) ÷ state revenue.For 2017,2017 year end social collecting funds scale, 174.71 trillion yuan, wherein non-financial
Enterprise and organ's 81.02 trillion yuans of loan, the general public budget in the whole nation in 2017 take in 17.26 trillion yuans, Financing Scale
It is approximately 5-10 times of tax revenue, agricultural bank described in this estimation and [0004] " tax silver is logical ", " industrial and commercial bank's tax loan " are borrowed
The control of amount of money degree is almost the same.
[0022] enterprise management condition that can be reflected according to the specific tax category and the specific tax category, fine assessment are borrowed
Amount of money degree, such as: the tax base of value-added tax be the added value of taxpayer's production and operating activities, enterprise income tax tax base be answering for enterprise
Incomes from taxes volume.Accordingly, different loan limit control ratios can be set, such as according to the economic meanings of different tax category tax bases
[0004] " tax loan " of the industrial and commercial bank described in, (2 years flat by value-added tax (2 annual mean) × 3+ income tax for loan limit
Mean value) × 5 calculated.Non- tax subject such as fine also has unique business to close rule early warning meaning, and limit pays the date and pays in the date
Comparison also to a certain extent reflect enterprise reference situation etc..
[0021] various dimensions include: that loan limit can be not only assessed based on data of paying taxes, but also can be according to institute of bank
The information various dimensions such as industrial and commercial registration, associated client, historical trading of grasp assess loan limit.
[0021] long period includes: that loan limit can be not only assessed based on nearest annual data, but also can basis
Continuity, stationarity and the sustainability for the enterprise operation situation that long period data are shown fully assess loan limit.
Business bank can develop corresponding system, realize it is above-mentioned based on using taxpayer's tax information as the high-precision of core,
Various dimensions, long period data assess the automation of loan limit.
Assessment about business bank based on loan limit screens effective client and notifies client.It refers specifically to: business bank
On the basis of assessing loan limit, taxpayer of the screening assessment loan limit more than certain scale grasps according to itself
Trade connection mode, the effective client of proactive contact carry out accurately point-to-point marketing.
[0028] proactive contact, refer to bank can by the modes such as short message, Email, phone to client actively
Relevant information is pushed, it can also be when client logs in Internetbank, Mobile banking, APP etc., to client's active push relevant information.
Business bank should develop corresponding system, realize that batch automatically processes above-mentioned notice item, such as log in client
Whens Internetbank, Mobile banking, APP etc., automatic trigger notice operation.
About the other information inquired based on client authorization, loan limit is determined, be business bank proactive contact client, and
After client authorization query-related information, comprehensive consideration determines loan limit.
[0031] described through client authorization query-related information, including client authorization bank inquiry reference information, authorization silver
Row such as [0004] tax loan service inquiry taxpayer all pay taxes information (pay taxes including what is handled by other bank's channels, this
One situation is actually rare, in general, an enterprise only handles the business of paying taxes in a bank) or taxpaying credit evaluation result etc..
When necessary, other information can also be asked for enterprise.As in [0004], agricultural bank " tax silver is logical ", single household is provided a loan in principle
Individual effective net assets of the amount not higher than borrower actual controller and spouse；" tax loan " of industrial and commercial bank has increasing letter to arrange
That applies reaches as high as 5,000,000 yuan etc., is all to belong to this kind of other information.
About based on channels are waited on line, offer loans.The mode offered loans has: can be borrowed by line upper type granting
Money can also be offered loans by line under type；Specific account, can by account granting of paying taxes, can also by client its
His account granting.
[0033] described by line upper type, business bank should develop corresponding system, by tax information Classifying Sum,
The links connection such as loan limit assessment, other information inquiry, it is ensured that customer lending requests to be timely responded to.
About based on using taxpayer's tax information as the high-precision of core, the excavation of various dimensions, long period data, implement loan
After manage.I.e. after loan origination, business bank can based on using taxpayer's tax information as the high-precision of core, various dimensions,
The excavation of long period data is implemented batch, is continued, dynamically, automatically according to the method for assessing loan limit or using other methods
Monitor taxpayer's business circumstance, realize low cost, with tax control borrow post-loan management, to occur paying taxes exception situations such as enterprise and
When take related management measure.
Business bank should develop is paid taxes the post-loan management systems of data based on the taxpayer grasped, realize automatic monitoring with
Prompt.
Claims (4)
1. business bank is based on internal data, Classifying Sum taxpayer's tax information；
Business bank handled for taxpayer pay taxes business when, according to the relevant regulations of national treasury management, business bank should use system
One accounting item and account is calculated；Accordingly, business bank can develop corresponding system, extract the industry determined under account
Business flowing water carries out data cleansing according to the principle that counterparty is penetrated into final taxpayer, and with artificial mark of paying taxes, classification converges
Total statistics tax information；
Currently, the data of paying taxes of taxpayer are secrecy, and business bank, which obtains this data, mainly to be had for business bank
Two kinds of channels: first is that under the premise of taxpayer " active " authorization, business bank is paid taxes letter by revenue department inquiry taxpayer
Breath；Second is that taxpayer's " active " provides data or the data of paying taxes to business bank；Above two channel is required with taxpayer's
Premised on " active "；Business bank obtains " active " higher cost of taxpayer, and taxpayer's ratio of " active " is lower；
The present invention " business bank be based on internal data, Classifying Sum taxpayer tax information " compensates for drawbacks described above, realize with
Lower cost grasps the complete tax information of all taxpayers that the business of paying taxes is handled in current row；
The present invention is based on this mode of internal data Classifying Sum taxpayer tax information to business bank, has the right to require, weight
In " internal data "；To the method for specific Classifying Sum, claims.
2. business bank assesses loan value based on using taxpayer's tax information as the high-precision of core, various dimensions, long period data
Degree；
Business bank can develop corresponding system on the basis of " being based on internal data, Classifying Sum taxpayer tax information ",
Based on using taxpayer's tax information as the high-precision of core, various dimensions, long period data, implement the data based on taxpayer
Portrait assesses loan limit；High-precision includes: that loan limit is assessed based on not only can paying taxes total value by taxpayer, but also can be with
According to the enterprise management condition that the specific tax category and the specific tax category are reflected, loan limit is finely assessed；Various dimensions include: both may be used
To assess loan limit based on data of paying taxes, and can be handed over according to industrial and commercial registration that bank is grasped, associated client, history
The information various dimensions such as easy assess loan limit；Long period includes: that both can assess loan value based on the data in nearest year
Degree, and can be fully assessed according to continuity, stationarity and the sustainability for the enterprise operation situation that long period data are shown
Loan limit；
It is borrowed in business (the fiduciary loan business for data granting of being paid taxes based on taxpayer) in current tax, data basis is tax
Business department is to the taxpaying credit evaluation result of taxpayer, and in general, precision, dimension and multi-cycle finite influence business bank
The precision of loan valuation；
" business bank assesses the present invention based on using taxpayer's tax information as the high-precision of core, various dimensions, long period data
Loan limit " compensates for above-mentioned deficiency, can be more scientific, accurate to the assessment of the business circumstance of taxpayer, is conducive to control and borrows
Amount of money degree is conducive to bank's discretion and implements lending decision to support enterprise's prudent operation；
The present invention is to based on using taxpayer's tax information as the high-precision of core, various dimensions, long period data assessment loan limit
This mode has the right to require, and focuses on " based on using taxpayer's tax information as the high-precision of core, various dimensions, long period number
According to "；To the method specifically assessed, claims.
3. assessment of the business bank based on loan limit screens effective client and notifies client；
Business bank is on the basis of assessing loan limit, taxpayer of the screening assessment loan limit more than certain scale, root
According to the trade connection mode that itself is grasped, the effective client of proactive contact carries out accurately point-to-point marketing；
In current tax loan business, marketing mainly by advertisement dispensing, information pushes extensively, phone touch system, footpath between fields of visiting are visitd
Etc. modes, at high cost, low efficiency；
The present invention compensates for drawbacks described above, improves marketing efficiency, is embodied as the effective client for having demand for loan, provides effective
Service；
The present invention screens effective client and notifies client to the assessment based on loan limit, carries out accurately point-to-point marketing, has
Claim focuses on and is based on " based on using taxpayer's tax information as the high-precision of core, various dimensions, long period data, commenting above
Estimate loan limit " after proactive contact；Business bank is analyzed based on other data, screens effective client, the accurate battalion of development
Pin, claims.
4. business bank implements based on using taxpayer's tax information as the high-precision of core, the excavation of various dimensions, long period data
Post-loan management；
After loan origination, business bank can be based on using taxpayer's tax information as the high-precision of core, various dimensions, long period
The excavation of data, according to the method for assessment loan limit or using other methods, implementation batch continues, dynamic, monitors and receive automatically
Tax people's business circumstance, realize low cost, with tax control borrow post-loan management, to occur paying taxes exception situations such as enterprise take in time
Related management measure promotes the timeliness, validity and specific aim of post-loan management；
In current tax loan business, the time point of business is only borrowed in enterprise's application tax by revenue department, provides taxpaying credit to bank
Evaluation result does not provide persistently in the loan survival phase, is not formed and is granted credits business based on taxpayer's data of paying taxes
Loan before, the closed loop in logic of post-loan management, i.e., offered loans based on taxpayer's data of paying taxes, but later and not further according to receiving
Tax data carry out post-loan management, and there are managing risk and loophole, this lasting, dynamics for being unfavorable for risk after business bank borrows to supervise for this
Test tube reason；
The present invention compensates for drawbacks described above, provides a kind of new post-loan management method borrowed with tax control, forms and be based on paying taxes
People pay taxes data grant credits business loan before, the closed loop in logic of post-loan management；
The present invention is to business bank based on using taxpayer's tax information as the high-precision of core, the digging of various dimensions, long period data
Pick implements risk dynamic monitoring after borrowing, has the right to require, focuses on " based on using taxpayer's tax information as the high-precision of core, more
The post-loan management of the excavation of dimension, long period data "；To the post-loan management that business bank is implemented based on other data, have no right
It is required that.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810571144.0A CN109064307A (en) | 2018-06-06 | 2018-06-06 | Business bank obtains the method and system of visitor, distribution & management based on the loan that interior data is excavated |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810571144.0A CN109064307A (en) | 2018-06-06 | 2018-06-06 | Business bank obtains the method and system of visitor, distribution & management based on the loan that interior data is excavated |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109064307A true CN109064307A (en) | 2018-12-21 |
Family
ID=64820420
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810571144.0A Pending CN109064307A (en) | 2018-06-06 | 2018-06-06 | Business bank obtains the method and system of visitor, distribution & management based on the loan that interior data is excavated |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109064307A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110246030A (en) * | 2019-06-21 | 2019-09-17 | 深圳前海微众银行股份有限公司 | In many ways risk management method, terminal, device and storage medium after the loan to link |
| CN112488824A (en) * | 2020-12-10 | 2021-03-12 | 南京国通智能科技有限公司 | Loan and risk compensation method and system based on enterprise payroll |
| CN113129124A (en) * | 2021-03-09 | 2021-07-16 | 中国农业银行股份有限公司福建省分行 | Credit checking and monitoring device for pig breeding industry |
| CN113570444A (en) * | 2021-08-02 | 2021-10-29 | 福建博思软件股份有限公司 | Non-tax payment report processing method and query system based on non-tax payment book |
-
2018
- 2018-06-06 CN CN201810571144.0A patent/CN109064307A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110246030A (en) * | 2019-06-21 | 2019-09-17 | 深圳前海微众银行股份有限公司 | In many ways risk management method, terminal, device and storage medium after the loan to link |
| CN112488824A (en) * | 2020-12-10 | 2021-03-12 | 南京国通智能科技有限公司 | Loan and risk compensation method and system based on enterprise payroll |
| CN113129124A (en) * | 2021-03-09 | 2021-07-16 | 中国农业银行股份有限公司福建省分行 | Credit checking and monitoring device for pig breeding industry |
| CN113129124B (en) * | 2021-03-09 | 2023-02-28 | 中国农业银行股份有限公司福建省分行 | Credit checking and monitoring device for pig breeding industry |
| CN113570444A (en) * | 2021-08-02 | 2021-10-29 | 福建博思软件股份有限公司 | Non-tax payment report processing method and query system based on non-tax payment book |
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