CN109829812A - Science credit evaluation loan system and method based on big data - Google Patents
Science credit evaluation loan system and method based on big data Download PDFInfo
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Abstract
The present invention disclose it is a kind of based on big data science credit evaluation loan system and method, Platform Server subscriber data a relevant to intellectual property is transmitted to auditing system and is audited.Platform Server decides whether to authorize user terminal loan permission c according to final review result b.Platform Server automatically generates the credit line k for obtaining the user terminal of loan permission c, user terminal sends vouch-for request to guarantee terminal according to credit line k, assure that terminal issues loan to banking system and recommends, banking system recommends loan to feed back to guarantee terminal after auditing, assure that terminal proposes to assure to user terminal to silver-colored terminal, banking terminal is made loans after receiving the guarantee information that guarantee terminal issues.It is able to achieve the economic value of intellectual property, special appraiser is not needed and credit is analyzed, reduce artificial subjective assessment, more acurrate to the credit line k evaluation of enterprise, execution standard is consistent, and examination & approval are high-efficient, convenient for management orderly.
Description
Technical Field
The invention relates to the field of data processing systems or methods specially suitable for administrative, commercial, financial, management, supervision or prediction purposes, in particular to a scientific and technological credit evaluation loan system and method based on big data.
Background
The intellectual property right is an intangible property right, and the object of the intellectual property right is an intellectual achievement or an intellectual product, and is a labor achievement created by creative intellectual labor. It is the same as the tangible property of houses, automobiles and the like, is protected by national laws, and has economic value and use value. The intellectual property condition of an enterprise reflects the technical competitiveness and the market competitiveness of the enterprise, embodies the development prospect and the reputation of the enterprise, most of the existing enterprises only take the intellectual property as a honor and law protection means, and do not embody the economic value of the intellectual property.
Disclosure of Invention
In order to solve the technical problems, the invention provides a science and technology credit evaluation loan system and a method based on big data.
The technical scheme is as follows:
the utility model provides a science and technology credit evaluation loan system based on big data which the key lies in, is provided with:
the platform server is used for acquiring user data a sent by the user terminal and forwarding the user data a to the auditing system for auditing, and the platform server generates loan authority c corresponding to the user terminal according to a final auditing result b fed back by the auditing system;
the platform server is also used for acquiring intellectual property right proving data d sent by the user terminal with the loan authority c and forwarding the intellectual property right proving data d to the auditing system for auditing, and the platform server generates a credit line k corresponding to the user terminal according to a property right auditing result fed back by the auditing system;
the guarantee terminal is used for generating guarantee recommendation information e and sending the guarantee recommendation information e to the bank system for auditing through the platform server;
the system is also used for generating guarantee commitment information f according to the recommended auditing result h of the bank system and feeding back the guarantee commitment information f to the bank system through the platform server;
the bank system is used for auditing the guarantee recommendation information e and feeding back a recommendation auditing result h to the platform server;
and the system is also used for uploading the money depositing voucher to the platform server for storage.
Furthermore, the auditing system is provided with a primary auditing terminal and a plurality of secondary auditing terminals, the secondary auditing terminals are used for performing preliminary auditing on the user data a sent by the platform server and feeding back a preliminary auditing result j to the platform server, and the platform server sends the preliminary auditing result j and the user data a to the primary auditing terminal;
and the primary audit terminal is used for carrying out final audit on the application data by combining the preliminary audit result j and feeding back the final audit result b to the platform server.
Furthermore, the bank system is provided with a regional head office terminal and Z regional branch terminals, wherein the regional head office terminal is used for acquiring the guarantee recommendation information e sent by the platform server and appointing a regional branch to check the guarantee recommendation information e according to the guarantee recommendation information e;
and the area head office terminal sends the specified information to the platform server, and the platform server grants the uploading authority of uploading the recommended audit result h to the specified area branch office terminal according to the specified information.
An information interaction method of a scientific and technological credit evaluation loan system based on big data is characterized by comprising the following steps:
a step that a platform server acquires user data a uploaded by a user terminal and stores the user data a in a database, wherein the user data a comprises user basic information, intellectual property information, research and development condition information and financial information;
the platform server grants the user terminal loan authority c;
a step that the platform server generates a credit line k corresponding to the user terminal with the loan authority c;
and the user terminal with the loan authority c carries out loan according to the credit line k.
Further, the platform server grants the user terminal loan authority c by adopting the following method:
step 1-1, the platform server sends the user data a to a secondary audit terminal in an audit system, wherein the secondary audit terminal corresponds to the basic information of the user;
step 1-2, the secondary audit terminal conducts preliminary audit on the user data a and feeds back a preliminary audit result j to the platform server;
step 1-3, the platform server sends the preliminary audit result j and the user data a to a primary audit terminal;
step 1-4, the primary audit terminal judges whether the primary audit result j is wrong or not according to the user data a;
if the verification result is wrong, generating verification opinions and sending the verification opinions to the platform server, sending the verification opinions to a secondary verification terminal by the platform server for re-verification, and returning to the step 1-2;
if no error exists, generating a final audit result b and feeding back the final audit result b to the platform server;
step 1-5, the platform server judges whether the final audit result b is qualified;
if the result is unqualified, the user terminal is not granted the loan authority c, and the final verification result b is sent to the user terminal;
and if so, granting the user terminal loan authority c.
Further, the platform server calculates the credit line k by adopting the following method:
step 2-1, calling user data a corresponding to the user terminal from a database;
step 2-2, calculating index weight x of each index of the user according to the intellectual property information, the research and development condition information and the financial informationi；
Step 2-3, calculating the index score d of each index according to the following formulaiI1, 2,3.. I, I is the total index number;
wherein,is the dissatisfaction value of the i-th index,the unsatisfied value of the ith index is M, an adjustment parameter and N, a standard parameter;
step 2-4, according to the index score d of each indexiAnd an index weight wiCalculating the user's composite score according to the following formula
And 2-5, dividing the credit level of the user terminal according to the user comprehensive score D, and generating a credit line k corresponding to the user terminal according to the credit level.
Further, the step 2-2 further includes a step of deleting error data, and the index weight threshold value of each index is stored in the platform serverIndex weight xiIf the weight exceeds the corresponding index weight thresholdIt is erroneous data.
Furthermore, in step 2-5, the comprehensive user score D is reduced by using an enlarged difference method, and the user grades are divided according to the reduction result.
Further, the step of making a loan by the user terminal according to the credit line k includes:
step 3-1, the user terminal generates a loan application form according to the credit line k and sends the loan application form to the guarantee terminal through the platform server;
step 3-2, the guarantee terminal generates guarantee recommendation information e according to the loan application form and sends the guarantee recommendation information e to the bank system through the platform server;
3-3, the bank system checks the guarantee recommendation information e and uploads a recommendation checking result h to the platform server;
step 3-4, the platform server judges whether the guarantee recommendation passes according to the guarantee auditing result;
if not, generating recommendation failure information, and respectively sending the recommendation failure information to the user terminal and the guarantee terminal;
if the result passes, sending the guarantee audit result to a guarantee terminal, and entering the step 3-5;
3-5, the guarantee terminal generates guarantee commitment information f according to the guarantee auditing result and sends the guarantee commitment information f to the bank system through the platform server;
3-6, the bank system generates contract signing information and uploads the contract signing information to the platform server, and the platform server sends the contract signing information to the guarantee terminal for contract verification;
3-7, the bank system acquires a contract auditing result sent by the guarantee terminal and judges whether to approve the deposit;
if not, returning to the step 3-6;
and if the payment is agreed, the bank system uploads the payment voucher to the platform server for storage.
Further, the bank system adopts the following method to carry out guarantee recommendation and audit:
a regional head office terminal in the bank system acquires guarantee information sent by a platform server, wherein the guarantee information comprises user address information;
the area head office terminal generates specified information according to the user address information and sends the specified information to the platform server;
the platform server acquires the designated information and grants the uploading authority of the region branch terminal for uploading the guarantee auditing result according to the designated information;
and uploading the guarantee recommendation audit to the platform server by the regional branch terminal with the uploading authority.
Has the advantages that: by adopting the scientific and technological credit evaluation loan system based on big data and the information interaction method thereof, the economic value of intellectual property rights can be realized, special evaluators are not needed to analyze the credit, the artificial subjective evaluation is reduced, the credit line k of an enterprise is evaluated more accurately, the execution standard is consistent, the approval efficiency is high, and the management is convenient and orderly.
Drawings
FIG. 1 is a block diagram of the system architecture of the present invention;
FIG. 2 is a general flow chart of the information interaction method of the present invention;
FIG. 3 is a flow chart of the application of loan authority c;
FIG. 4 is a flowchart of a method for generating a credit line k;
FIG. 5 is a flow chart of information interaction for a loan application;
FIG. 6 is an audit flow diagram of warranty recommendations.
Detailed Description
The invention is further illustrated by the following examples and figures.
As shown in fig. 1, a scientific and technological credit evaluation loan system based on big data is provided with a platform server, a user terminal, an auditing system, a banking system and a guarantee terminal.
The platform server is used for acquiring user data a sent by the user terminal, storing the user data a in a database of the platform server after the user data a is acquired, and forwarding the user data a to the auditing system.
The auditing system is provided with a primary auditing terminal, the primary auditing terminal belongs to a plurality of secondary auditing terminals, each secondary auditing terminal is responsible for auditing the user data a in a certain area, and the platform server sends the user data a to the secondary auditing terminals in the corresponding area for auditing according to the user basic information in the user data a. And after the secondary audit terminal audits the user data a, feeding back a final audit result b to the platform server.
And after receiving the final audit result b, the platform server sends the final audit result b and the user data a to a primary audit terminal to which a secondary audit terminal belongs for secondary audit, so that the accuracy of the audit result is ensured. And the primary audit terminal generates a final audit result b and feeds the final audit result b back to the platform server, and the platform server determines whether to grant the loan authority c to the user terminal according to the final audit result b.
After the user terminal obtains the loan authority c, the user terminal can upload intellectual property certification materials corresponding to the intellectual property information in the user data a, such as a patent certificate scanning piece, a software registration certificate scanning piece and the like, to the platform server. Therefore, other users who do not have loan qualification per se can be prevented from applying for loans, and the data transmission amount of the whole system and the workload of workers are reduced.
And after acquiring the intellectual property right proving data d uploaded by the user terminal, the platform server also sends the intellectual property right proving data d to the auditing system, and the auditing system audits the intellectual property right proving data d by adopting the same auditing method as the user data a and feeds back the property right auditing result to the platform server. If the property right examination result is qualified, the platform server can automatically generate a credit line k corresponding to the user terminal, and if the property right examination result is unqualified, the platform server can generate notification information and send the notification information to the user terminal.
After the platform server generates the credit line k, the user terminal can generate a loan application form according to the credit line k, and the platform server can send the loan application form to the guarantee terminal. The guarantee terminal is used for generating guarantee recommendation information e and sending the guarantee recommendation information e to a bank system for auditing through the platform server.
The bank system is provided with a region head office terminal and a plurality of region branch terminals, and each region branch terminal is responsible for guarantee recommendation and verification of users in a certain region. After the area head office terminal receives the guarantee recommendation information e sent by the platform server, the area head office terminal generates specified information according to the user basic information in the guarantee recommendation information e, wherein the specified information comprises terminal information of an area branch terminal which is responsible for auditing the guarantee recommendation information e of the area where the user is located.
And after receiving the specified information, the platform server grants an uploading authority for uploading the recommended audit result h to the corresponding region branch terminal according to the specified information. The region branch terminals which acquire the uploading authority generate recommended auditing results h and upload the recommended auditing results h to the platform server, so that each region branch terminal can only handle appointed loan applications, and management confusion caused by the fact that multiple branches handle the same loan applications is avoided.
And the platform server sends the recommended auditing result h to the guarantee terminal, the guarantee terminal generates guarantee commitment information f according to the recommended auditing result h, and the guarantee commitment information f is sent to the regional head office terminal through the platform server.
The staff of the head office sends the guarantee acceptance information f to the regional branches through the internal system of the bank, the regional branches sign contracts with users according to the guarantee acceptance information f, the staff of the regional branches uploads the contract information, namely the signed contract scanning piece to the platform server through the regional branches, and the platform server sends the contract information to the guarantee terminal for verification. After the verification is finished, the guarantee terminal sends payment putting prompt information to the area head office terminal through the platform server, after receiving the payment putting prompt information, the staff of the area head office informs the staff of the area branch to pay, and after the payment is paid, the staff uploads payment putting certificates to the platform server through the area branch terminal to store.
As shown in fig. 2, an information interaction method for a scientific and technological credit evaluation loan system based on big data includes:
the method comprises the steps that a platform server obtains user data a uploaded by a user terminal and stores the user data a in a database, wherein the user data a comprises user basic information, intellectual property information, research and development condition information and financial information;
wherein, the user basic information comprises: business license information, contact information, user address information, enterprise headcount information, and the like.
The intellectual property information includes: patent quantity information, new product sales information, and the like.
The development situation information includes: enterprise research and development investment information, research and development personnel quantity information and the like.
The financial information includes: business income information of main operation, total assets information of enterprises, energy consumption cost information of enterprises and the like.
Step two, the platform server grants the user terminal loan authority c, as shown in fig. 3, the step includes:
step 1-1, the platform server sends the user data a to a secondary auditing terminal in the auditing system, and the secondary auditing terminal corresponds to the address in the business license information.
Step 1-2, the secondary audit terminal conducts preliminary audit on the user data a and feeds back a preliminary audit result j to the platform server;
step 1-3, the platform server sends the preliminary audit result j and the user data a to a primary audit terminal;
step 1-4, the primary audit terminal judges whether the primary audit result j is wrong or not according to the user data a;
if the verification result is wrong, generating verification opinions and sending the verification opinions to the platform server, sending the verification opinions to a secondary verification terminal by the platform server for re-verification, and returning to the step 1-2;
if no error exists, generating a final audit result b and feeding back the final audit result b to the platform server;
step 1-5, the platform server judges whether the final audit result b is qualified;
if the result is unqualified, the user terminal is not granted the loan authority c, and the final verification result b is sent to the user terminal;
and if so, granting the user terminal loan authority c.
By adopting the steps, the user terminal can be preliminarily screened, the data volume of the system and the workload of workers are reduced, and the enterprise user is preliminarily examined, so that the strength and the credit of the enterprise are ensured.
Thirdly, the step of the platform server generating the credit line k corresponding to the user terminal with the loan authority c, as shown in fig. 4, includes:
step 2-1, calling user data a corresponding to the user terminal from a database;
step 2-2, calculating index weight x of each index of the user according to the intellectual property information, the research and development condition information and the financial informationiThe indexes comprise scientific research and development ability indexes and operation management ability indexes.
Wherein, the scientific research and development ability indexes comprise:
enterprise research and development input intensity index x1Enterprise research and development investments/enterprise major business income.
Enterprise research and development investment index x2Enterprise research and development efforts/average research and development efforts in the field and scale to which the enterprise belongs. The average research and development investment of the field and the scale of the enterprise is obtained through the analysis of the existing market big data.
Ratio index x of research and development personnel3(number of developers/number of practitioners)/average proportion of developers in the field and scale. The average proportion of research and development personnel in the field and scale is obtained by analyzing the existing market big data
Innovative invention index x4Mean patent number in field and scale, which is obtained by analysis of existing market big data
The operation management capacity index comprises:
new productProduct sales index x5New product sales revenue/business revenue for the business of the enterprise
Sales revenue index x6The business income is the business income of the enterprise, the average business income of the affiliated field and the scale. The average main business income of the field and the scale is obtained by analyzing the existing market big data
Per capita sales index x7Enterprise per capita sales revenue/average per capita sales revenue for the domain and scale. The average per-capita sales income of the field and the scale is obtained by the analysis of the existing market big data
Asset profitability index x8The average asset profitability (business revenue/total assets) of the enterprise/domain and scale. The average property profitability of the field and the scale is obtained by the analysis of the existing market big data
The platform server calculates index weight x of each indexiFor these index weights xiThe data with errors in the process is deleted. The platform server stores index weight threshold values of each indexIndex weight xiIf the weight exceeds the corresponding index weight thresholdIt is erroneous data.
Step 2-3, calculating the index score d of each index according to the following formulai，i＝1,2,3......8。
Wherein,is the ith indexThe value of the degree of satisfaction is,the unsatisfied value of the ith index is M, an adjustment parameter and N, a standard parameter;
step 2-4, according to the index score d of each indexiAnd an index weight wiCalculating the user's composite score according to the following formula
Wherein the index weight w of each indexiAll are obtained by market research.
And 2-5, converting the user comprehensive score D by adopting an enlarged difference method, dividing the credit level of the user terminal according to the converted user comprehensive score D, and generating a credit line k corresponding to the user terminal according to the credit level.
Fourthly, the user terminal with the loan authority c loans according to the credit line k, as shown in fig. 5, the steps include:
step 3-1, the user terminal generates a loan application form according to the credit line k and sends the loan application form to the guarantee terminal through the platform server;
step 3-2, the guarantee terminal generates guarantee recommendation information e according to the loan application form and sends the guarantee recommendation information e to the bank system through the platform server;
step 3-3, as shown in fig. 6, the bank system adopts the following method to audit the warranty recommendation:
a regional head office terminal in the bank system acquires guarantee recommendation information e sent by a platform server, wherein the guarantee recommendation information e comprises user address information;
the area head office terminal generates specified information according to the user address information and sends the specified information to the platform server;
the platform server acquires the designated information and grants the uploading authority of the region branch terminal for uploading the guarantee auditing result according to the designated information;
and uploading the guarantee recommendation audit to the platform server by the regional branch terminal with the uploading authority.
Step 3-4, the platform server judges whether the guarantee recommendation passes according to the guarantee auditing result;
if not, generating recommendation failure information, and respectively sending the recommendation failure information to the user terminal and the guarantee terminal;
if the result passes, sending the guarantee audit result to a guarantee terminal, and entering the step 3-5;
3-5, the guarantee terminal generates guarantee commitment information f according to the guarantee auditing result and sends the guarantee commitment information f to the bank system through the platform server;
3-6, the bank system generates contract signing information and uploads the contract signing information to the platform server, and the platform server sends the contract signing information to the guarantee terminal for contract verification;
3-7, the bank system acquires a contract auditing result sent by the guarantee terminal and judges whether to approve the deposit;
if not, returning to the step 3-6;
and if the payment is agreed, the bank system uploads the payment voucher to the platform server for storage.
Finally, it should be noted that the above-mentioned description is only a preferred embodiment of the present invention, and those skilled in the art can make various similar representations without departing from the spirit and scope of the present invention.
Claims (10)
1. The utility model provides a science and technology credit evaluation loan system based on big data which characterized in that is provided with:
the platform server is used for acquiring user data a sent by the user terminal and forwarding the user data a to the auditing system for auditing, and the platform server generates loan authority c corresponding to the user terminal according to a final auditing result b fed back by the auditing system;
the platform server is also used for acquiring intellectual property right proving data d sent by the user terminal with the loan authority c and forwarding the intellectual property right proving data d to the auditing system for auditing, and the platform server generates a credit line k corresponding to the user terminal according to a property right auditing result fed back by the auditing system;
the guarantee terminal is used for generating guarantee recommendation information e and sending the guarantee recommendation information e to the bank system for auditing through the platform server;
the system is also used for generating guarantee commitment information f according to the recommended auditing result h of the bank system and feeding back the guarantee commitment information f to the bank system through the platform server;
the bank system is used for auditing the guarantee recommendation information e and feeding back a recommendation auditing result h to the platform server;
and the system is also used for uploading the money depositing voucher to the platform server for storage.
2. The big data based science and technology credit evaluation loan system of claim 1, wherein: the auditing system is provided with a primary auditing terminal and a plurality of secondary auditing terminals, the secondary auditing terminals are used for performing preliminary auditing on user data a sent by the platform server and feeding back a preliminary auditing result j to the platform server, and the platform server sends the preliminary auditing result j and the user data a to the primary auditing terminal;
and the primary audit terminal is used for carrying out final audit on the application data by combining the preliminary audit result j and feeding back the final audit result b to the platform server.
3. The big data based science and technology credit evaluation loan system of claim 1, wherein: the bank system is provided with a regional head office terminal and Z regional branch terminals, wherein the regional head office terminal is used for acquiring the guarantee recommendation information e sent by the platform server and appointing a regional branch to check the guarantee recommendation information e according to the guarantee recommendation information e;
and the area head office terminal sends the specified information to the platform server, and the platform server grants the uploading authority of uploading the recommended audit result h to the specified area branch office terminal according to the specified information.
4. An information interaction method of a scientific and technological credit evaluation loan system based on big data is characterized by comprising the following steps:
a step that a platform server acquires user data a uploaded by a user terminal and stores the user data a in a database, wherein the user data a comprises user basic information, intellectual property information, research and development condition information and financial information;
the platform server grants the user terminal loan authority c;
a step that the platform server generates a credit line k corresponding to the user terminal with the loan authority c;
and the user terminal with the loan authority c carries out loan according to the credit line k.
5. The information interaction method of the scientific and technological credit evaluation loan system based on big data as claimed in claim 4, characterized in that the platform server grants the user terminal the loan authority c by adopting the following method:
step 1-1, the platform server sends the user data a to a secondary audit terminal in an audit system, wherein the secondary audit terminal corresponds to the basic information of the user;
step 1-2, the secondary audit terminal conducts preliminary audit on the user data a and feeds back a preliminary audit result j to the platform server;
step 1-3, the platform server sends the preliminary audit result j and the user data a to a primary audit terminal;
step 1-4, the primary audit terminal judges whether the primary audit result j is wrong or not according to the user data a;
if the verification result is wrong, generating verification opinions and sending the verification opinions to the platform server, sending the verification opinions to a secondary verification terminal by the platform server for re-verification, and returning to the step 1-2;
if no error exists, generating a final audit result b and feeding back the final audit result b to the platform server;
step 1-5, the platform server judges whether the final audit result b is qualified;
if the result is unqualified, the user terminal is not granted the loan authority c, and the final verification result b is sent to the user terminal;
and if so, granting the user terminal loan authority c.
6. The information interaction method of the scientific and technological credit evaluation loan system based on big data as claimed in claim 4, wherein the platform server calculates the credit line k by adopting the following method:
step 2-1, calling user data a corresponding to the user terminal from a database;
step 2-2, calculating index weight x of each index of the user according to the intellectual property information, the research and development condition information and the financial informationi；
Step 2-3, calculating the index score d of each index according to the following formulaiI1, 2,3.. I, I is the total index number;
wherein,is the dissatisfaction value of the i-th index,the unsatisfied value of the ith index is M, an adjustment parameter and N, a standard parameter;
step 2-4, according to the index score d of each indexiAnd an index weight wiCalculating the user's composite score according to the following formula
And 2-5, dividing the credit level of the user terminal according to the user comprehensive score D, and generating a credit line k corresponding to the user terminal according to the credit level.
7. The information interaction method of science and technology credit evaluation loan system based on big data as claimed in claim 6, wherein the step 2-2 further comprises the step of deleting error data, and the index weight threshold of each index is stored in the platform serverIndex weight xiIf the weight exceeds the corresponding index weight thresholdIt is erroneous data.
8. The information interaction method of the big data based science and technology credit evaluation loan system according to claim 6, wherein: in the step 2-5, the comprehensive user score D is converted by adopting an enlarged difference method, and the user grade is divided according to the conversion result.
9. The information interaction method of the scientific and technological credit evaluation loan system based on big data as claimed in claim 4, wherein the step of making a loan by the user terminal according to the credit line k comprises:
step 3-1, the user terminal generates a loan application form according to the credit line k and sends the loan application form to the guarantee terminal through the platform server;
step 3-2, the guarantee terminal generates guarantee recommendation information e according to the loan application form and sends the guarantee recommendation information e to the bank system through the platform server;
3-3, the bank system checks the guarantee recommendation information e and uploads a recommendation checking result h to the platform server;
step 3-4, the platform server judges whether the guarantee recommendation passes according to the guarantee auditing result;
if not, generating recommendation failure information, and respectively sending the recommendation failure information to the user terminal and the guarantee terminal;
if the result passes, sending the guarantee audit result to a guarantee terminal, and entering the step 3-5;
3-5, the guarantee terminal generates guarantee commitment information f according to the guarantee auditing result and sends the guarantee commitment information f to the bank system through the platform server;
3-6, the bank system generates contract signing information and uploads the contract signing information to the platform server, and the platform server sends the contract signing information to the guarantee terminal for contract verification;
3-7, the bank system acquires a contract auditing result sent by the guarantee terminal and judges whether to approve the deposit;
if not, returning to the step 3-6;
and if the payment is agreed, the bank system uploads the payment voucher to the platform server for storage.
10. The information interaction method of the big data based science and technology credit evaluation loan system according to claim 8, wherein the banking system adopts the following method to perform guarantee recommendation and audit:
a regional head office terminal in the bank system acquires guarantee recommendation information e sent by a platform server, wherein the guarantee recommendation information e comprises user address information;
the area head office terminal generates specified information according to the user address information and sends the specified information to the platform server;
the platform server acquires the designated information and grants the uploading authority of the region branch terminal for uploading the guarantee auditing result according to the designated information;
and uploading the guarantee recommendation audit to the platform server by the regional branch terminal with the uploading authority.
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112613982A (en) * | 2020-12-24 | 2021-04-06 | 四川享宇金信金融科技有限公司 | Targeted loan product recommendation method and device |
| CN114219426A (en) * | 2021-11-30 | 2022-03-22 | 深圳微众信用科技股份有限公司 | Resource determination method and related device |
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