CN109190917A - A kind of risk control method and system of fiduciary loan - Google Patents
A kind of risk control method and system of fiduciary loan Download PDFInfo
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Abstract
The invention discloses a kind of risk control method of fiduciary loan and systems, this method comprises: the reference information before being borrowed or lent money according to borrower generates reference report before borrowing；After confirmation is offered loans to the borrower, the operational order of inquiry reference report is received；When receiving the operational order of the inquiry reference report, reference is reported after generating current loan according to the reference information after borrower debt-credit so far；Show the comparison information after current loan between reference report and the reference report of previous generation.Implement the embodiment of the present invention, warning information can be generated before borrowing or lending money the risk cases such as overdue and bad credit and occurring, lending institution is enable to track the refund situation of borrower early.
Description
Technical field
Data analysis technique of the embodiment of the present invention more particularly to a kind of risk control method of fiduciary loan, system.
Background technique
Currently, one is by debt-credit machine there are mainly two types of the methods audited based on credit of the loan activity to people
The staff of structure carries out manual examination and verification to the loaning bill request of loaning bill user, needs staff to check during audit and borrows money
The large amount of data information of user, to differentiate that how much, loan period the risk situation of loan transaction, such as loaning bill user afford to borrow
It is interior to repay.Another kind is to be assessed using computer air control system credit request, specifically, computer air control
System provides credit according to preset data model and evaluation criterion using the information left in various social activitieies of borrowing money
Scoring, the confidence level of automatic discrimination borrower save a large amount of human resources.But which kind of audit mode no matter is taken, at present
Credit evaluation to borrower is carried out before loan, and only borrower overdue data occurs after lending institution loaning bill
When, relevant early warning report can be just issued, pre-warning time relatively lags behind, and causes the bad debt risk of lending institution very high.
Summary of the invention
The embodiment of the present invention provides the risk control method and system of a kind of fiduciary loan, generates sign after borrower's debt-credit
Letter report enables lending institution to track early to generate warning information before borrowing or lending money the risk cases such as overdue and bad credit and occurring
The refund situation of borrower.
In a first aspect, the embodiment of the present invention provides a kind of risk control method of fiduciary loan, comprising:
Reference information before being borrowed or lent money according to borrower, which generates, borrows preceding reference report；
After confirmation is offered loans to the borrower, the operational order of inquiry reference report is received；
When receiving the operational order of the inquiry reference report, believed according to the reference after borrower debt-credit so far
Reference is reported after breath generates current loan；
Show the comparison information after current loan between reference report and the reference report of previous generation.
Optionally, the method also includes:
If according to the comparison information confirmation between reference report after current loan and the reference report of previous generation
The credit of borrower glides, then outputting alarm information.
In one of the embodiments, it is described borrowed or lent money according to borrower before reference information generate borrow before reference report, tool
Body includes:
The multinomial reference information gone on an expedition before calling in letter information database the borrower to borrow or lend money；
It is input with the multinomial reference information of calling, the credit of the debtor is calculated using preset data model
Score；
Reference is reported before generating the loan including the CREDIT SCORE.
Further, the reference information before the debt-credit includes personally identifiable information validity, debt-credit number, boat trip's number
It reads data according to, commodity consumption data and media.
Further, the reference information after the debt-credit so far include debt-credit number, boat trip's data, commodity consumption data,
Media reading data, refund data and communication state.
Further, reference report includes CREDIT SCORE after borrowing after the loan；
Comparison information after the current loan of the display between reference report and the reference report of previous generation is specific to wrap
It includes:
If the reference of previous generation is reported as reference report before borrowing, reference report and institute after the current loan are shown
State debt-credit number comparison information, boat the trip's comparing information, commodity consumption comparing information, matchmaker before borrowing between reference report
Body reading comparing information and CREDIT SCORE comparison information；
It is reported if the reference of previous generation is reported as reference after borrowing, shows reference report and institute after the current loan
State the CREDIT SCORE comparison information between the reference report of previous generation.
Second aspect, the embodiment of the present invention provide a kind of risk control system of fiduciary loan characterized by comprising
Report generation module before borrowing generates reference report before borrowing for the reference information before borrowing or lending money according to borrower；
Command reception module, for after confirmation is offered loans to the borrower, receiving the behaviour of inquiry reference report
It instructs；
Report generation module after loan, for being borrowed according to described when receiving the operational order of the inquiry reference report
Reference is reported after reference information after money people debt-credit so far generates current loan；
Display module reports that the comparison between the report of the reference of previous generation is believed for reference after showing current loan
Breath.
Optionally, the system also includes:
Alarm module, if for according to the comparison between reference report after current loan and the reference report of previous generation
The credit of borrower described in validation of information glides, then outputting alarm information.
Optionally, report generation module specifically includes before the loan:
Reference call unit, for the multinomial reference letter before calling the borrower to borrow or lend money in letter information database of going on an expedition
Breath；
CREDIT SCORE computing unit, for being input with the multinomial reference information of calling, using preset data mould
Type calculates the CREDIT SCORE of the debtor；
Reference report generation unit before borrowing is reported for reference before generating the loan including the CREDIT SCORE.
Optionally, the multinomial reference information before the debt-credit includes personally identifiable information validity, debt-credit number, boat trip's number
It reads data according to, commodity consumption data and media.
The embodiment of the present invention not only reports the reference situation of borrower before loan, and inquiry sign is provided after lending
Believe the interface of report, and reference after inquiry operation generates loan can be responded and reported, the reference report that front and back generates twice is compared
Right, shown comparison information can alert lending institution before borrowing or lending money the risk cases such as overdue and bad credit and occurring, and make
The variation of borrower's reference situation can be understood in time by obtaining lending institution, tracked the refund situation of borrower, avoided borrowing or lending money overdue
With the generation of the events such as bad credit.
Detailed description of the invention
Fig. 1 is the flow chart of the risk control method for the fiduciary loan that the embodiment of the present invention one provides；
Fig. 2 is the schematic diagram of reference report before the loan in the embodiment of the present invention one；
Fig. 3 is the schematic diagram of reference report after the loan in the embodiment of the present invention one；
Fig. 4 is the flow chart of the risk control method of fiduciary loan provided by Embodiment 2 of the present invention；
Fig. 5 is the structural schematic diagram of the risk control system for the fiduciary loan that the embodiment of the present invention three provides；
Fig. 6 is the structural schematic diagram for the terminal that the embodiment of the present invention four provides.
Specific embodiment
The present invention is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining the present invention rather than limiting the invention.It also should be noted that in order to just
Only the parts related to the present invention are shown in description, attached drawing rather than entire infrastructure.
In addition, term first, second, third, etc. in the specification and in the claims is only used for difference same technique spy
The description purpose of sign is not understood to indicate or imply relative importance or implicitly indicates the number of indicated technical characteristic
Amount, also not necessarily describes order or time sequencing.Term can be interchanged in a suitable case.Define as a result, " the
One ", the feature of " second " can explicitly or implicitly include at least one of the features.
Embodiment one
Fig. 1 is the flow chart of the risk control method for the fiduciary loan that the embodiment of the present invention one provides, and the present embodiment can fit
For during fiduciary loan, control to the risk that credit agency undertakes, this method can be by being integrated in terminal
On the risk control system of fiduciary loan execute, specifically include following S110, S120, S130 and S140:
S110, borrowed or lent money according to borrower before reference information generate borrow before reference report；
Wherein, the reference information before borrower's debt-credit can have multinomial, such as personally identifiable information validity, debt-credit time
Number, boat trip's data, commodity consumption data or media reading data.
Wherein, whether the borrower's identity information got before the feeling the pulse with the finger-tip of personally identifiable information validity is effective including effective
With invalid two kinds of values.Debt-credit number refers to that borrower initiates the number borrowed money to lending institution so far, which can be used as assessment
Whether the reference of loan fraud.Boat trip's data refer to the related data of the trip of borrower's means of transportation, tourism；Commodity consumption number
According to the related data for referring to that borrower consumes in the recent period, including last consumption time, the amount of money, the consumption number of times of proximal segment time and it is averaged
Spending amount etc.；Media reading data refer to the record data for the various media that borrower reads in the recent period；Boat trip's data, commodity disappear
Take data, media reading data from the level of consumption and class for illustrating borrower in various degree, embodies the daily economy of borrower
Situation and loan repayment capacity.In summary reference reports that loan examination & approval reference is done by the mechanism that can allow credit before the loan of reference information.
As shown in Fig. 2, being a schematic diagram of reference report before the loan generated according to S110.In the schematic diagram, separate
Multiple portions show the reference information of user, including personal information veritification, anti-fraud information and other credit evaluation information, each
Part is related to the reference information of multiple details, while showing a comprehensive CREDIT SCORE, provides risk class and mentions accordingly
It wakes up.Further, for the reference information and CREDIT SCORE of each single item details, system can provide corresponding son report,
And for batch download interface.
In the specific implementation, the generating process of reference report may include: to go on an expedition in letter information database before borrowing in S110
Multinomial reference information before calling the borrower to borrow or lend money；It is input with the multinomial reference information of calling, use is preset
Data model calculates the CREDIT SCORE of the debtor；Reference is reported before generating the loan including the CREDIT SCORE.The embodiment party
In formula, CREDIT SCORE is calculated according to the data model constructed in advance, and data model relies on big data building, therefore obtains
Dividing has objectivity.
S120, confirmation offer loans to the borrower after, receive inquiry reference report operational order；
The risk control system of fiduciary loan can be to be confirmed whether by whether establishing archives after the loan of borrower to borrowing
Money people offers loans.For example, after offering loans, user can establish archives after the loan of borrower in system, by borrower plus
Enter the list persistently monitored after borrowing, the content of archives may include: make loans time, the amount of money of making loans, loaning bill issue and loaning bill after loan
Due date etc..The risk control system can also be confirmed whether to offer loans to borrower by other means, such as visit
The approval system for asking credit agency directly acquires the information whether offered loans.There are many validation testings, can be according to the actual situation
Specific setting.
After confirming loan origination, system provides the interface of inquiry reference report, persistently monitors whether to receive inquiry sign
Believe the operational order of report.For example, user accesses the risk control system of fiduciary loan by web browser, it can be by all
Such as web page interlinkage key interface executes inquiry operation to system, and when user executes inquiry operation, system can receive inquiry
Operational order.
S130, when receiving the operational order of the inquiry reference report, according to after borrower debt-credit so far
Reference is reported after reference information generates current loan；
Wherein, the reference information after reference report is borrowed or lent money according to borrower after loan so far generates, and indicates that reference is reported after borrowing
Refer at least to reference information so far after borrower borrows, in addition, reference report can also relate to or not be related to borrowing money after borrowing
Reference information before people's loan.The content that reference information includes with reference information after loan before borrowing can be identical, can also be
Part is identical or entirely different, and Fig. 3 shows a schematic diagram of reference report after loan.Reference report is merely illustrative after the loan,
Anti- fraud information (including public security organs' information and repeatedly application) is also related to preceding reference report is borrowed, but is not related to personal identification letter
Breath and consumption data.
Comparison information after the current loan of S140, display between reference report and the reference report of previous generation.
The reference of reference report and previous generation reports it system can show current loan after loan in reference report after
Between comparison information, comparison information can also be shown by way of such as pop-up etc, as shown in figure 3, the reference report after loan
This inquiry comparison last time inquiry, the ratio whether credit score declines and decline are shown in announcement, and provide risk assessment after loan
Grade and suggestion.
On the basis of above scheme, optionally, the risk control method of fiduciary loan is further comprised the steps of:
If according to the comparison information confirmation between reference report after current loan and the reference report of previous generation
The credit of borrower glides, then outputting alarm information.
Pass through the comparison information of front and back reference report twice, such as the comparison information or some reference information of CREDIT SCORE
Comparison information, can be confirmed borrower credit glide, on this basis, outputting alarm information can be notified timely and effectively
Lending institution executes the movement of response, intervenes the solution process of debt-credit problem early.
The technical solution of the embodiment of the present invention one is not only reported the reference situation of borrower before loan, and is being put
The interface of offer inquiry reference report after loan, and inquiry operation can be responded and generate reference report after loan, front and back is generated twice
Reference report is compared, and shown comparison information can be before borrowing or lending money the risk cases such as overdue and bad credit and occurring to debt-credit machine
Structure is alerted, and lending institution is enabled to understand the variation of borrower's reference situation in time, tracks the refund situation of borrower,
Avoid borrowing or lending money the generation of the events such as overdue and bad credit.
Embodiment two
Fig. 4 is the flow chart of the risk control method of fiduciary loan provided by Embodiment 2 of the present invention, and this method is being implemented
On the basis of example one, after the reference information and debt-credit before providing debt-credit reference information so far in the specific implementation it is optional,
Preferred content has also refined the specific embodiment (the specially S240 and S250 of the present embodiment) of S140.The present embodiment is same
It is applicable to during fiduciary loan, the control to the risk that credit agency undertakes, this method can be by being integrated in computer
The risk control system of fiduciary loan in terminal executes, and specifically includes following S110, S120, S130, S240 and S250:
S110, borrowed or lent money according to borrower before reference information generate borrow before reference report；
Wherein, the reference information before debt-credit includes that personally identifiable information validity, debt-credit number, boat trip's data, commodity disappear
Take data and media reading data；Reference report includes CREDIT SCORE before borrowing, and the calculation of the CREDIT SCORE can refer to implementation
Example one.
S120, confirmation offer loans to the borrower after, receive inquiry reference report operational order.
S130, when receiving the operational order of the inquiry reference report, according to after borrower debt-credit so far
Reference is reported after reference information generates current loan；
Wherein, the reference information after debt-credit so far includes debt-credit number, boat trip's data, commodity consumption data, media reading
Data, refund data and communication state；Reference report includes CREDIT SCORE after borrowing after loan.In the present embodiment, the sign before debt-credit
Letter information is identical as reference message part so far after debt-credit, emphasizes particularly on different fields a little, for example, before loan borrower communication state meeting
It keeps unimpeded, to credit problems, there is no too big reference significances.After loan, if long-time does not communicate or communication modes close
It closes, then may be loan fraud, need to be included in after loan in reference information.
If the reference of S240, previous generation are reported as reference report before borrowing, reference report after the current loan is shown
Accuse and the loan before reference report between debt-credit number comparison information, boat trip's comparing information,
Commodity consumption comparing information, media reading comparing information and CREDIT SCORE comparison information；
If the reference of S250, previous generation are reported as after borrowing, reference is reported, shows reference report after the current loan
Accuse the CREDIT SCORE comparison information between the report of the reference of the previous generation.
It is reported if the reference of previous generation is reported as reference after borrowing, after the reference report of previous generation and current loan
Reference report is obtained according to the reference information of same type, and the credit change of borrower can be embodied by doing comparison to credit scoring
Change.If the reference of previous generation is reported as reference report before borrowing, since the reference after borrowing before borrowing reports the reference information being related to
The input parameter of difference, CREDIT SCORE is different, even with identical calculation, the comparativity of obtained CREDIT SCORE
It is slightly short of, multiple characteristic information splitting ratios pair before the present embodiment will be borrowed and after borrowing, and provides comprehensive CREDIT SCORE and compare,
More objectively and comprehensively show the change of credits of borrower.
In conclusion present embodiments providing a kind of fiduciary loan that can objectively and comprehensively show borrower's change of credits
Risk control method, for before loan, reference is reported after borrowing generating mode is different and different comparison information display sides is arranged
Formula, so that reference is reported and can be generated respectively according to current state according to more targeted reference information before borrowing, after borrowing.
The technical solution of the embodiment of the present invention two is not only reported the reference situation of borrower before loan, and is being put
The interface of offer inquiry reference report after loan, and inquiry operation can be responded and generate reference report after loan, front and back is generated twice
Reference report is compared, and shown comparison information can be before borrowing or lending money the risk cases such as overdue and bad credit and occurring to debt-credit machine
Structure is alerted, and lending institution is enabled to understand the variation of borrower's reference situation in time, tracks the refund situation of borrower,
Avoid borrowing or lending money the generation of the events such as overdue and bad credit.
Embodiment three
Fig. 5 is the structural schematic diagram of the risk control system for the fiduciary loan that the embodiment of the present invention three provides, the present embodiment
It is applicable in fiduciary loan, the control and management to the risk that credit agency undertakes.The device can be integrated in computer end
On end, which includes:
Report generation module 510 before borrowing generates reference report before borrowing for the reference information before borrowing or lending money according to borrower；
Command reception module 520, for after confirmation is offered loans to the borrower, receiving inquiry reference report
Operational order；
Report generation module 530 after loan, for receive it is described inquiry reference report operational order when, according to described
Reference is reported after reference information after borrower's debt-credit so far generates current loan；
Display module 540, for showing the comparison after current loan between reference report and the reference report of previous generation
Information.
Optionally, described device further include:
Display module, if for according to the comparison between reference report after current loan and the reference report of previous generation
The credit of borrower described in validation of information glides, then outputting alarm information.
Report generation module before the loan in one of the embodiments, specifically includes:
Call unit, for the multinomial reference information before calling the borrower to borrow or lend money in letter information database of going on an expedition；
Computing unit calculates institute using preset data model for being input with the multinomial reference information of calling
State the CREDIT SCORE of debtor；
Generation unit is reported for reference before generating the loan including the CREDIT SCORE.
Further, the reference information before the debt-credit includes personally identifiable information validity, debt-credit number, boat trip's number
It reads data according to, commodity consumption data and media.
Further, the reference information after the debt-credit so far include debt-credit number, boat trip's data, commodity consumption data,
Media reading data, refund data and communication state.
Further, reference report includes CREDIT SCORE after borrowing after the loan；
The display module includes:
First display unit is shown described current if the reference for previous generation is reported as reference report before borrowing
Loan after reference report and the loan before reference report between debt-credit number comparison information, boat trip's comparing information, commodity
Consumption data comparison information, media reading comparing information and CREDIT SCORE comparison information；
Second display unit is shown described current if the reference for previous generation is reported as reference after borrowing and reports
Loan after CREDIT SCORE comparison information between reference report and the report of the reference of the previous generation.
The technical solution of the embodiment of the present invention three is not only reported the reference situation of borrower before loan, and is being put
The interface of offer inquiry reference report after loan, and inquiry operation can be responded and generate reference report after loan, front and back is generated twice
Reference report is compared, and shown comparison information can be before borrowing or lending money the risk cases such as overdue and bad credit and occurring to debt-credit machine
Structure is alerted, and lending institution is enabled to understand the variation of borrower's reference situation in time, tracks the refund feelings of borrower
Condition avoids the generation for borrowing or lending money the events such as overdue and bad credit.
The risk control system of fiduciary loan provided by the embodiment of the present invention can be performed any embodiment of that present invention and provide
Fiduciary loan risk control method, have the corresponding functional module of execution method and beneficial effect.In the present embodiment not
The technical detail of exhaustive presentation can refer to corresponding embodiment of the method and realize.
Example IV
Fig. 6 is a kind of structural schematic diagram for terminal that the embodiment of the present invention four provides, as shown in fig. 6, the terminal includes place
Manage device 610, memory 620, input unit 630 and output device 640；In terminal the quantity of processor 610 can be one or
It is multiple, in Fig. 6 by taking a processor 610 as an example；Processor 610, memory 620, input unit 630 and output dress in terminal
Setting 640 can be connected by bus or other modes, in Fig. 6 for being connected by bus.
Memory 620 is used as a kind of computer readable storage medium, can be used for storing software program, journey can be performed in computer
Sequence and module, such as fiduciary loan provided in an embodiment of the present invention the corresponding program instruction/module of risk control method (such as
Report generation module 530 and display module 540 after borrowing preceding report generation module 510, command reception module 520, borrowing).Processor
610 software program, instruction and the modules being stored in memory 620 by operation, are answered thereby executing the various functions of terminal
With and data processing, that is, realize the risk control method of above-mentioned fiduciary loan.
Memory 620 can mainly include storing program area and storage data area, wherein storing program area can store operation system
Application program needed for system, at least one function；Storage data area, which can be stored, uses created data etc. according to terminal.This
Outside, memory 620 may include high-speed random access memory, can also include nonvolatile memory, for example, at least one
Disk memory, flush memory device or other non-volatile solid state memory parts.In some instances, memory 620 can be into one
Step includes the memory remotely located relative to processor 610, these remote memories can pass through network connection to terminal.
The example of above-mentioned network includes but is not limited to internet, intranet, local area network, mobile radio communication and combinations thereof.
Input unit 630 can be used for receiving the number or character information of input, and generate with the user setting of terminal with
And the related key signals input of function control.Output device 640 may include that display screen etc. shows equipment.
Embodiment five
The embodiment of the present invention five also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
The risk control method of the fiduciary loan as described in embodiment one or two is realized when sequence is executed by processor.
Certainly, a kind of storage medium comprising computer executable instructions, computer provided by the embodiment of the present invention
The method operation that executable instruction is not limited to the described above, can also be performed fiduciary loan provided by any embodiment of the invention
Risk control method in relevant operation.
By the description above with respect to embodiment, it is apparent to those skilled in the art that, the present invention
It can be realized by software and required common hardware, naturally it is also possible to which by hardware realization, but in many cases, the former is more
Good embodiment.Based on this understanding, technical solution of the present invention substantially in other words contributes to the prior art
Part can be embodied in the form of software products, which can store in computer readable storage medium
In, floppy disk, read-only memory (Read-Only Memory, ROM), random access memory (Random such as computer
Access Memory, RAM), flash memory (FLASH), hard disk or CD etc., including some instructions are with so that a computer is set
Standby (can be personal computer, server or the network equipment etc.) executes method described in each embodiment of the present invention.
It is worth noting that, in the embodiment of the risk control system of above-mentioned fiduciary loan, included each unit and
Module is only divided according to the functional logic, but is not limited to the above division, as long as corresponding functions can be realized
?；In addition, the specific name of each functional unit is also only for convenience of distinguishing each other, the guarantor being not intended to restrict the invention
Protect range.
Note that the above is only a better embodiment of the present invention and the applied technical principle.It will be appreciated by those skilled in the art that
The invention is not limited to the specific embodiments described herein, be able to carry out for a person skilled in the art it is various it is apparent variation,
It readjusts and substitutes without departing from protection scope of the present invention.Therefore, although being carried out by above embodiments to the present invention
It is described in further detail, but the present invention is not limited to the above embodiments only, without departing from the inventive concept, also
It may include more other equivalent embodiments, and the scope of the invention is determined by the scope of the appended claims.
Claims (10)
1. a kind of risk control method of fiduciary loan characterized by comprising
Reference information before being borrowed or lent money according to borrower, which generates, borrows preceding reference report；
After confirmation is offered loans to the borrower, the operational order of inquiry reference report is received；
It is raw according to the reference information after borrower debt-credit so far when receiving the operational order of the inquiry reference report
It is reported at reference after current loan；
Show the comparison information after current loan between reference report and the reference report of previous generation.
2. the risk control method of fiduciary loan according to claim 1, which is characterized in that further include:
If confirming the loaning bill according to the comparison information between reference report after current loan and the reference report of previous generation
The credit of people glides, then outputting alarm information.
3. the risk control method of fiduciary loan according to claim 1 or 2, which is characterized in that described according to borrower
Reference information before debt-credit, which generates, borrows preceding reference report, specifically includes:
The multinomial reference information gone on an expedition before calling in letter information database the borrower to borrow or lend money；
It is input with the multinomial reference information of calling, is obtained using the credit that preset data model calculates the debtor
Point；
Reference is reported before generating the loan including the CREDIT SCORE.
4. the risk control method of fiduciary loan according to claim 3, which is characterized in that the multinomial sign before the debt-credit
Letter information includes personally identifiable information validity, debt-credit number, boat trip's data, commodity consumption data and media reading data.
5. the risk control method of fiduciary loan according to claim 4, which is characterized in that the sign after the debt-credit so far
Letter information includes debt-credit number, boat trip's data, commodity consumption data, media reading data, refund data and communication state.
6. the risk control method of fiduciary loan according to claim 5, which is characterized in that reference report packet after the loan
Include CREDIT SCORE after borrowing；
Comparison information after the current loan of the display between reference report and the reference report of previous generation, specifically includes:
If the reference of previous generation is reported as reference report before borrowing, reference report and the loan after the current loan are shown
Debt-credit number comparison information, boat trip's comparing information between preceding reference report, commodity consumption comparing information, media are read
Look at comparing information and CREDIT SCORE comparison information；
If the reference of previous generation is reported as reference after borrowing and reports, show after the current loan reference report with it is described before
CREDIT SCORE comparison information between the reference report of secondary generation.
7. a kind of risk control system of fiduciary loan characterized by comprising
Report generation module before borrowing generates reference report before borrowing for the reference information before borrowing or lending money according to borrower；
Command reception module, the operation for after confirmation is offered loans to the borrower, receiving inquiry reference report refer to
It enables；
Report generation module after loan, for receive it is described inquiry reference report operational order when, according to the borrower
Reference is reported after reference information after debt-credit so far generates current loan；
Display module, for showing the comparison information after current loan between reference report and the reference report of previous generation.
8. the risk control system of fiduciary loan according to claim 7, which is characterized in that further include:
Alarm module, if for according to the comparison information between reference report after current loan and the reference report of previous generation
Confirm that the credit of the borrower glides, then outputting alarm information.
9. the risk control system of fiduciary loan according to claim 7, which is characterized in that report generation mould before the loan
Block specifically includes:
Reference call unit, for the multinomial reference information before calling the borrower to borrow or lend money in letter information database of going on an expedition；
CREDIT SCORE computing unit, for being input with the multinomial reference information of calling, using preset data model meter
Calculate the CREDIT SCORE of the debtor；
Reference report generation unit before borrowing is reported for reference before generating the loan including the CREDIT SCORE.
10. the risk control system of fiduciary loan according to claim 9, which is characterized in that multinomial before the debt-credit
Reference information includes personally identifiable information validity, debt-credit number, boat trip's data, commodity consumption data and media reading data.
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