CN109919414A - P2P network loan platform risk analysis method, device and storage medium - Google Patents
P2P network loan platform risk analysis method, device and storage medium Download PDFInfo
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- CN109919414A CN109919414A CN201910039691.9A CN201910039691A CN109919414A CN 109919414 A CN109919414 A CN 109919414A CN 201910039691 A CN201910039691 A CN 201910039691A CN 109919414 A CN109919414 A CN 109919414A
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Abstract
The present invention provides a kind of P2P network loan platform risk analysis method, device and storage medium, this method comprises: obtaining the mark of the first borrower in the first P2P network loan platform；The loan information of at least one the 2nd P2P network loan platform publication is obtained, loan information includes the mark of at least one the second borrower in the second P2P network loan platform and the loaning bill information of at least one the second borrower；According to the mark of loan information and the first borrower, judge the first borrower in the 2nd P2P network loan platform with the presence or absence of loaning bill；According to judge the first borrower in the 2nd P2P network loan platform with the presence or absence of borrow money as a result, generate examining report, realize judge user whether there is to other P2P network loan platforms loaning bill the case where, thereby reduce debt-credit risk.
Description
Technical field
The present invention relates to network loan technical field more particularly to a kind of P2P network loan platform risk analysis methods, dress
It sets and storage medium.
Background technique
With the fast development of P2P network loan platform (peer-to-peer lending platform) at home, and
, access threshold high with its trading efficiency be low and the mode of doing business advantages such as flexibly, well-established by more and more people.P2P network
While China's eruptive growth, the risk which is faced also becomes miniature financial field focus of attention for debt-credit,
In borrower cheat promise breaking caused by bad credit problem emerge one after another, borrower's credit risk and loan platform business risk
Have become most important risk factors in the development of P2P network loan.
In the prior art, P2P network loan platform proposes some feasible to prevent to borrow or lend money risk, reduce bad credit rate
Risk control method.Such as credit is audited on line, specifically, after obtaining client authorization, from related cooperation data company
All kinds of required credit informations such as social security, common reserve fund, information of vehicles, life insurance policy are transferred in background system, and pass through the Ministry of Public Security
It verifies identity information, enterprise management condition etc. is verified by industrial and commercial bureau, to reduce debt-credit risk.
However in the prior art, the method audited by credit on line can not judge that user whether there is to other P2P nets
The case where network loan platform is borrowed money.
Summary of the invention
The present invention provides a kind of P2P network loan platform risk analysis method, device and storage medium, to judge that user is
It is no to there is the case where borrowing money to other P2P network loan platforms, and then reduce debt-credit risk.
In a first aspect, the embodiment of the present invention provides a kind of P2P network loan platform risk analysis method, comprising:
Obtain the mark of the first borrower in the first P2P network loan platform；At least one the 2nd P2P network is obtained to borrow
The loan information of platform publication is borrowed, loan information includes at least one second borrower in the second P2P network loan platform
Mark and at least one the second borrower loaning bill information；According to the mark of loan information and the first borrower, is judged
One borrower is in the 2nd P2P network loan platform with the presence or absence of loaning bill；According to judging that the first borrower borrows in the 2nd P2P network
It borrows in platform with the presence or absence of borrowing money as a result, generating examining report.
Optionally, before the loan information for obtaining the publication of at least one the 2nd P2P network loan platform, further includes:
First the application list is obtained, first the application list includes at least one the 2nd P2P network loan platform
Installation file obtain each 2nd P2P network loan platform one by one and according to the installation file in first the application list
Corresponding packet name；Second the application list is obtained, second the application list includes the packet name that terminal has installed application program,
Name is wrapped correspondingly according to second the application list and each 2nd P2P network loan platform, judges whether to have pacified
Fill the installation file of each 2nd P2P network loan platform；The installation text of uninstalled 2nd P2P network loan platform if it exists
Part then installs the installation file of the 2nd P2P network loan platform.
Optionally, the loan information of at least one the 2nd P2P network loan platform publication is obtained, comprising:
The debt-credit item page at least one the 2nd P2P network loan platform is inquired, debt-credit item page includes debt-credit
Information, and debt-credit item page content is saved to extensible markup language document；According to extensible markup language document, extract
Borrow or lend money the loan information in item page content.
Optionally, P2P network loan platform risk analysis method provided in an embodiment of the present invention further include:
Screenshot capture is carried out to debt-credit item page, screenshot capture is used to confirm the accuracy of loan information.
Optionally, according to the mark of loan information and the first borrower, judge the first borrower in the 2nd P2P network loan
With the presence or absence of loaning bill in platform, comprising:
The mark of at least one the second borrower is extracted according to loan information；According to the mark of at least one the second borrower
With the mark of the first borrower, judge the first borrower in the 2nd P2P network loan platform with the presence or absence of loaning bill.
Optionally, the mark of the first borrower includes one of following information of the first borrower or a variety of: name, identity
Card, house lease information, industrial and commercial essential information, house property information or contact method.
The mark of second borrower includes one of following information of the second borrower or a variety of: name, identity card, house
Information of lease, industrial and commercial essential information, house property information or contact method.
Below to a kind of P2P network loan platform risk analysis device provided in an embodiment of the present invention, equipment, storage medium
And computer program product is introduced, content and effect refer to method part, and details are not described herein again.
Second aspect, the embodiment of the present invention provide a kind of P2P network loan platform risk analysis device, comprising:
First obtains module, for obtaining the mark of the first borrower in the first P2P network loan platform.
Second obtains module, for obtaining the loan information of at least one the 2nd P2P network loan platform publication, debt-credit letter
Breath includes mark and at least one second borrower of at least one the second borrower in the second P2P network loan platform
Loaning bill information.
Judgment module judges the first borrower in the 2nd P2P net for the mark according to loan information and the first borrower
With the presence or absence of loaning bill in network loan platform.
Generation module, for according to judge the first borrower in the 2nd P2P network loan platform with the presence or absence of borrow money
As a result, generating examining report.
Optionally, P2P network loan platform risk analysis device provided in an embodiment of the present invention, further includes:
Third obtains module, for obtaining first the application list, first the application list include at least one the
The installation file of two P2P network loan platforms, and according to the installation file in first the application list, obtain each second
P2P network loan platform wraps name correspondingly.
4th obtains module, and for obtaining second the application list, second the application list includes that terminal has been installed
The packet name of application program wraps name according to second the application list and each 2nd P2P network loan platform correspondingly,
Judge whether to have installed the installation file of each 2nd P2P network loan platform.
Install module, for the installation file of uninstalled 2nd P2P network loan platform if it exists, then install this second
The installation file of P2P network loan platform.
Optionally, the second acquisition module includes:
Submodule is handled, the debt-credit item page for inquiring at least one the 2nd P2P network loan platform borrows or lends money item
The mesh page includes loan information, and debt-credit item page content is saved to extensible markup language document；
First extracting sub-module, for extracting borrowing in debt-credit item page content according to extensible markup language document
Borrow information.
Optionally, P2P network loan platform risk analysis device provided in an embodiment of the present invention, further includes:
Screen capture module, for carrying out screenshot capture to debt-credit item page, screenshot capture is used to confirm the standard of loan information
True property.
Optionally, judgment module, comprising:
Second extracting sub-module, for extracting the mark of at least one the second borrower according to loan information.
Judging submodule, for judging the according to the mark of at least one the second borrower and the mark of the first borrower
One borrower is in the 2nd P2P network loan platform with the presence or absence of loaning bill.
Optionally, the mark of the first borrower includes one of following information of the first borrower or a variety of: name, identity
Card, house lease information, industrial and commercial essential information, house property information or contact method.
The mark of second borrower includes one of following information of the second borrower or a variety of: name, identity card, house
Information of lease, industrial and commercial essential information, house property information or contact method.
The third aspect, the embodiment of the present invention provide a kind of terminal, comprising:
Processor；Memory；And computer program.
Wherein, computer program is stored in memory, and is configured as being executed by processor, computer program packet
It includes for executing the P2P network loan platform risk analysis method such as first aspect or first aspect optional way.
Fourth aspect, the embodiment of the present invention provide a kind of computer readable storage medium, the computer readable storage medium
It is stored with computer program, computer program makes server execute the P2P net such as first aspect or first aspect optional way
Network loan platform risk analysis method.
5th aspect, the embodiment of the present invention provide a kind of computer program product, comprising: executable instruction can be performed and refer to
Enable the P2P network loan platform risk analysis method for realizing such as first aspect or first aspect optional way.
The present invention provides a kind of P2P network loan platform risk analysis method, device and storage medium, and this method includes obtaining
Take the mark of the first borrower in the first P2P network loan platform；Obtain the publication of at least one the 2nd P2P network loan platform
Loan information, loan information include at least one the second borrower in the second P2P network loan platform mark and
The loaning bill information of at least one the second borrower；According to the mark of loan information and the first borrower, judge that the first borrower exists
With the presence or absence of loaning bill in 2nd P2P network loan platform；According to judging that the first borrower is in the 2nd P2P network loan platform
It is no to exist borrowing money as a result, generating examining report.Due to according to the debt-credit letter at least one the 2nd P2P network loan platform
The mark of breath and the first borrower realizes and judges that user whether there is the case where borrowing money to other P2P network loan platforms, into
And P2P network loan platform risk is analyzed by generating examining report, to reduce debt-credit risk.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is this hair
Bright some embodiments for those of ordinary skill in the art without any creative labor, can be with
It obtains other drawings based on these drawings.
Fig. 1 is the flow diagram for the P2P network loan platform risk analysis method that one embodiment of the invention provides；
Fig. 2 be another embodiment of the present invention provides P2P network loan platform risk analysis method flow diagram；
Fig. 3 is the flow diagram for the P2P network loan platform risk analysis method that further embodiment of this invention provides；
Fig. 4 is the structural schematic diagram for the P2P network loan platform risk analysis device that one embodiment of the invention provides；
Fig. 5 is the structural schematic diagram for the P2P network loan platform risk analysis device that yet another embodiment of the invention provides；
Fig. 6 be another embodiment of the present invention provides P2P network loan platform risk analysis device structural schematic diagram；
Fig. 7 is the structural schematic diagram for the P2P network loan platform risk analysis device that further embodiment of this invention provides；
Fig. 8 is the structural schematic diagram of terminal provided in an embodiment of the present invention.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art
Every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
Description and claims of this specification and term " first ", " second ", " third " " in above-mentioned attached drawing
The (if present)s such as four " are to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should manage
The data that solution uses in this way are interchangeable under appropriate circumstances, so that the embodiment of the present invention described herein for example can be to remove
Sequence other than those of illustrating or describe herein is implemented.In addition, term " includes " and " having " and theirs is any
Deformation, it is intended that cover it is non-exclusive include, for example, containing the process, method of a series of steps or units, system, production
Product or equipment those of are not necessarily limited to be clearly listed step or unit, but may include be not clearly listed or for this
A little process, methods, the other step or units of product or equipment inherently.
With the fast development of P2P network loan platform at home, and, access threshold high with its trading efficiency be low and transaction
Mode flexibly etc. advantages, it is well-established by more and more people.P2P borrows or lends money platform institute while China's eruptive growth
The risk faced also becomes miniature financial field focus of attention, wherein since borrower cheats the bad credit problem caused by promise breaking
It emerges one after another, borrower's credit risk and loan platform business risk have become most important risk factors in P2P debt-credit development.
The method audited by credit on line can not judge that user whether there is the case where borrowing money to other P2P network loan platforms.For
It solves the above problems, the present invention provides a kind of P2P network loan platform risk analysis method, device and storage medium.
Hereinafter, the exemplary application scene to the embodiment of the present invention is introduced.
Network loan refers in borrowing process that all by network implementations, it is for data and fund, contract, formality etc.
The new financial models of one kind that grow up with the rise of personalized lending with the development of internet, this is also the following finance clothes
The development trend of business.In P2P network loan platform, item trade is borrowed or lent money if it exists, then can be provided in P2P network loan platform
The personal information of borrower and the loaning bill information of borrower, when loaning bill information may include the borrowing balance of borrower, borrow money
Between, refund situation etc..Borrower, in order to reduce debt-credit risk, also needs when preparing to borrow money in some P2P network loan platform
Judge borrower in other P2P network loan platforms with the presence or absence of loan.Based on this, the application provides a kind of P2P network
Loan platform risk analysis method, device and storage medium.
Fig. 1 is the flow diagram for the P2P network loan platform risk analysis method that one embodiment of the invention provides, the party
Method can be executed by P2P network loan platform risk analysis device, which can be real by way of software and/or hardware
It is existing, such as: the device can be some or all of terminal device, and terminal device can be PC, smart phone, user
Terminal, tablet computer, wearable device etc. are below executing subject to P2P network loan platform risk analysis using terminal device
Method is illustrated, as shown in Figure 1, the method in the embodiment of the present invention may include:
Step S101: the mark of the first borrower in the first P2P network loan platform is obtained.
First P2P network loan platform can be financial borrow or lend money such as card card loan, everybody loan, horse back finance and credit and put down
Platform, the embodiment of the present invention to the platform specific of the first P2P network loan platform with no restrictions, as long as debt-credit transaction can be carried out i.e.
It can.
First borrower is after registering the first P2P network loan platform or the first borrower prepares in the first P2P net
It borrows money in network loan platform, and according to the requirement of the first P2P network loan platform, improves after personal information, terminal device can
To obtain the mark of the first borrower in the first P2P network loan platform, the mark of the first borrower can with unique identification this
One borrower, the embodiment of the present invention to the form of the mark of the first borrower with no restrictions, in a kind of possible embodiment,
The mark of first borrower can be the personal information of the first borrower, and optionally, the mark of the first borrower may include
One of following information of one borrower is a variety of: name, identity card, house lease information, industrial and commercial essential information, house property information
Or contact method.In alternatively possible embodiment, the mark of the first borrower can be according to the first borrower
People's information uniquely generated mark, such as coding, symbol etc..
Step S102: obtaining the loan information of at least one the 2nd P2P network loan platform publication, and loan information is included in
The mark of at least one the second borrower in 2nd P2P network loan platform and the loaning bill letter of at least one the second borrower
Breath.
2nd P2P network loan platform can be the financial loan platforms such as card card loan, everybody loan, horse back finance and credit,
The embodiment of the present invention to the platform specific of the 2nd P2P network loan platform with no restrictions, as long as debt-credit transaction can be carried out,
Wherein, the 2nd P2P network loan platform is different from the first P2P network loan platform.
Terminal device obtains the loan information of at least one the 2nd P2P network loan platform publication, and loan information is included in
The mark of at least one the second borrower borrowed or lent money in 2nd P2P network loan platform and at least one second borrower
Loaning bill information, wherein the mark of the second borrower can be borrowed with unique identification second borrower, the embodiment of the present invention to second
With no restrictions, in a kind of possible embodiment, the mark of the second borrower can be second and borrows the form of the mark of money people
The personal information of money people, optionally, the mark of the second borrower may include one of following information of the second borrower or more
Kind: name, identity card, house lease information, industrial and commercial essential information, house property information or contact method.In alternatively possible reality
It applies in mode, the mark of the second borrower can be the mark uniquely generated according to the personal information of the second borrower, such as compile
Code, symbol etc..
The loaning bill information of second borrower may include the loaning bill project of the second borrower, borrowing balance, the borrowing time, go back
Money record etc..
Step S103: according to the mark of loan information and the first borrower, judge that the first borrower borrows in the 2nd P2P network
It borrows in platform with the presence or absence of loaning bill.
Terminal device judges that the first borrower borrows in the 2nd P2P network according to the mark of loan information and the first borrower
It borrows on platform with the presence or absence of borrowing money, not only may determine that the first borrower whether there is in the 2nd P2P network loan platform and borrow
Money, can also obtain the first borrower has loaning bill and the first borrower in which specific the 2nd P2P network loan platform
Loaning bill information in the 2nd P2P network loan platform.
In order to realize the mark according to loan information and the first borrower, judge that the first borrower borrows in the 2nd P2P network
It borrows in platform with the presence or absence of borrowing money, in a kind of possible embodiment, according to the mark of loan information and the first borrower, sentences
Disconnected first borrower is in the 2nd P2P network loan platform with the presence or absence of loaning bill, comprising:
The mark of at least one the second borrower is extracted according to loan information；According to the mark of at least one the second borrower
With the mark of the first borrower, judge the first borrower in the 2nd P2P network loan platform with the presence or absence of loaning bill.
Due in loan information include the 2nd P2P network loan platform at least one the second borrower mark and
The loaning bill information of at least one the second borrower, therefore terminal device can extract at least one second loaning bill according to loan information
The mark of people, how the embodiment of the present invention is to according to loan information extracting the mark of at least one the second borrower with no restrictions.
Optionally, can according to word frequency-inverse document frequency (term frequency-inverse document frequency,
TF-IDF) algorithm carries out key feature extraction, in loan information to extract the mark of at least one the second borrower.It is obtaining
It, can mark according at least one the second borrower and the first borrower after the mark for taking at least one the second borrower
Mark, judge in the mark of at least one the second borrower with the presence or absence of mark identical with the mark of the first borrower, if
There is mark identical with the mark of the first borrower in the mark of at least one the second borrower, then judges that the first borrower exists
Exist in 2nd P2P network loan platform and borrow money, if being not present and the first borrower in the mark of at least one the second borrower
The identical mark of mark, then judge the first borrower in the 2nd P2P network loan platform there is no borrow money.
Step S104: according to judge the first borrower in the 2nd P2P network loan platform with the presence or absence of borrow money as a result,
Generate examining report.
The mark that in examining report may include the first borrower and the first borrower are in the 2nd P2P network loan platform
Loaning bill information etc..According in the 2nd different P2P network loan platforms, the loaning bill situation of the first borrower can also be given birth to
It is reported at comprehensive detection.Comprehensive detection report includes multiple 2nd P2P network loan platforms and the first borrower multiple the
Loaning bill information in two P2P network loan platforms, can also be according to the first borrower in the 2nd P2P network loan platform
Loaning bill information analyzes the debt-credit risk etc. of the first borrower.The embodiment of the present invention, which does not do form, the content etc. of examining report, to be had
Body limitation.
In the present solution, due to being borrowed money according to the loan information at least one the 2nd P2P network loan platform with first
The mark of people realizes and judges that user whether there is the case where borrowing money to other P2P network loan platforms, and then by generating inspection
It observes and predicts announcement to analyze P2P network loan platform risk, to reduce debt-credit risk.
In order to realize the loan information for obtaining the publication of at least one the 2nd P2P network loan platform, in a kind of possible reality
Apply in mode, Fig. 2 be another embodiment of the present invention provides P2P network loan platform risk analysis method flow diagram,
This method can be executed by P2P network loan platform risk analysis device, which can be by way of software and/or hardware
It realizes, such as: the device can be some or all of terminal device, and terminal device can be PC, smart phone, use
Family terminal, tablet computer, wearable device etc. are below executing subject to P2P network loan platform risk point using terminal device
Analysis method is illustrated, as shown in Fig. 2, before the loan information for obtaining the publication of at least one the 2nd P2P network loan platform,
Method in the embodiment of the present invention may include:
Step S201: first the application list is obtained, first the application list includes at least one the 2nd P2P network
The installation file of loan platform, and according to the installation file in first the application list, obtain each 2nd P2P network loan
Platform wraps name correspondingly.
It include the installation file of at least one the 2nd P2P network loan platform, the application couple in first the application list
The quantity of 2nd P2P network loan platform and specific 2nd P2P network loan platform with no restrictions, specifically can roots
It is configured according to actual demand.According to the installation file in first the application list, terminal device obtains each 2nd P2P net
Network loan platform wraps name correspondingly.
Step S202: second the application list is obtained, second the application list includes that terminal has installed application program
Packet name, name is wrapped according to second the application list and each 2nd P2P network loan platform correspondingly, is judged whether
The installation file of each 2nd P2P network loan platform has been installed.
It include the packet name of installed application program in terminal in second the application list, wherein installed and answered
With program either mounted P2P network loan platform, is also possible to the mounted all application programs of the terminal, this hair
It is bright without limitation.
Judge that each 2nd P2P network loan platform wraps name correspondingly, if in second the application list, if
The corresponding packet name of 2nd P2P network loan platform is in second the application list, then it represents that terminal has installed the 2nd P2P
The corresponding installation file of network loan platform does not need to repeat to install the installation file, if the 2nd P2P network loan platform is corresponding
Packet name not in second the application list, then it represents that terminal does not install the corresponding installation of the 2nd P2P network loan platform
File.
Step S203: the installation file of uninstalled 2nd P2P network loan platform if it exists then installs the 2nd P2P
The installation file of network loan platform.
The corresponding packet name of the 2nd P2P network loan platform then exists and does not pacify not in second the application list if it exists
Dress the 2nd P2P network loan platform installation file, can according to the packet name of uninstalled 2nd P2P network loan platform,
The installation file of 2nd P2P network loan platform is installed.
In the present solution, realizing the installation of at least one the 2nd P2P network loan platform, it ensure that in terminal and exist at least
One the 2nd P2P network loan platform.
There are after at least one the 2nd P2P network loan platform in guaranteeing terminal, in order to obtain at least one second
The loan information of P2P network loan platform publication, on the basis of the above embodiments, Fig. 3 are that further embodiment of this invention provides
P2P network loan platform risk analysis method flow diagram, this method can be by P2P network loan platform risk analysis
Device executes, which can be realized by way of software and/or hardware, such as: the device can be the portion of terminal device
Divide or all, terminal device can be PC, smart phone, user terminal, tablet computer, wearable device etc., below
P2P network loan platform risk analysis method is illustrated using terminal device as executing subject, as shown in figure 3, the present invention is real
The method applied in example may include:
Step S301: inquiring the debt-credit item page at least one the 2nd P2P network loan platform, borrows or lends money item page
It saves including loan information, and by debt-credit item page content to extensible markup language document.
The debt-credit item page at least one the 2nd P2P network loan platform is inquired, custom script time can be used
The interface in the 2nd P2P network loan platform is gone through, the debt-credit item page in the 2nd P2P network loan platform is obtained, then will
Debt-credit item page content is saved into extensible markup language document, in order to subsequent processing.In addition, it is optional, it is inquiring
After debt-credit item page at least one the 2nd P2P network loan platform, P2P network loan provided in an embodiment of the present invention is flat
Platform risk analysis method further include: screenshot capture is carried out to debt-credit item page, screenshot capture is used to confirm the standard of loan information
True property.By carrying out screenshot capture to debt-credit item page, loan information in examining report can be checked according to screenshot capture,
To guarantee the accuracy of loan information.
Step S302: according to extensible markup language document, the loan information in debt-credit item page content is extracted.
According to the extensible markup language document of preservation, the loan information in debt-credit item page content is extracted, in order to
According to the mark of loan information and the first borrower, judge that the first borrower whether there is in the 2nd P2P network loan platform
It borrows money.
In the present solution, by the debt-credit item page inquired at least one the 2nd P2P network loan platform, and according to borrowing
The extensible markup language document that credit item mesh content of pages saves extracts the loan information in debt-credit item page content, guarantees
The accuracy of acquired loan information.
Following is apparatus of the present invention embodiment, can be used for executing embodiment of the present invention method.For apparatus of the present invention reality
Undisclosed details in example is applied, embodiment of the present invention method is please referred to.
Fig. 4 is the structural schematic diagram for the P2P network loan platform risk analysis device that one embodiment of the invention provides, the dress
Setting can be realized by way of software and/or hardware, such as: the device can be some or all of terminal device, terminal
Equipment can be PC, smart phone, user terminal, tablet computer, wearable device etc., be below to hold with terminal device
Row main body is illustrated P2P network loan platform risk analysis method, as shown in figure 4, P2P net provided in an embodiment of the present invention
Network loan platform risk analysis device may include:
First obtains module 41, for obtaining the mark of the first borrower in the first P2P network loan platform.
Second obtains module 42, for obtaining the loan information of at least one the 2nd P2P network loan platform publication, debt-credit
Information includes the mark and at least one second loaning bill of at least one the second borrower in the second P2P network loan platform
The loaning bill information of people.
Optionally, the mark of the first borrower includes one of following information of the first borrower or a variety of: name, identity
Card, house lease information, industrial and commercial essential information, house property information or contact method.
The mark of second borrower includes one of following information of the second borrower or a variety of: name, identity card, house
Information of lease, industrial and commercial essential information, house property information or contact method.
Judgment module 43 judges the first borrower in the 2nd P2P for the mark according to loan information and the first borrower
With the presence or absence of loaning bill in network loan platform.
Generation module 44, for according to judge the first borrower in the 2nd P2P network loan platform with the presence or absence of loaning bill
As a result, generate examining report.
Optionally, Fig. 5 is that the structure for the P2P network loan platform risk analysis device that yet another embodiment of the invention provides is shown
Be intended to, which can be realized by way of software and/or hardware, such as: the device can be terminal device part or
All, terminal device can be PC, smart phone, user terminal, tablet computer, wearable device etc., below with end
End equipment is that executing subject is illustrated P2P network loan platform risk analysis method, as shown in figure 5, the embodiment of the present invention
The P2P network loan platform risk analysis device of offer may include: optional, judgment module 43, comprising:
Second extracting sub-module 431, for extracting the mark of at least one the second borrower according to loan information.
Judging submodule 432, for according to the mark of at least one the second borrower and the mark of the first borrower, judgement
First borrower is in the 2nd P2P network loan platform with the presence or absence of loaning bill.
Optionally, Fig. 6 be another embodiment of the present invention provides the structure of P2P network loan platform risk analysis device show
Be intended to, which can be realized by way of software and/or hardware, such as: the device can be terminal device part or
All, terminal device can be PC, smart phone, user terminal, tablet computer, wearable device etc., below with end
End equipment is that executing subject is illustrated P2P network loan platform risk analysis method, as shown in fig. 6, the embodiment of the present invention
The P2P network loan platform risk analysis device of offer may include:
Third obtains module 51, and for obtaining first the application list, first the application list includes at least one
The installation file of 2nd P2P network loan platform, and according to the installation file in first the application list, obtain each second
P2P network loan platform wraps name correspondingly.
4th obtains module 52, and for obtaining second the application list, second the application list includes that terminal has been pacified
The packet name for filling application program, is wrapped correspondingly according to second the application list and each 2nd P2P network loan platform
Name, judges whether the installation file for having installed each 2nd P2P network loan platform.
Module 53 is installed, for the installation file of uninstalled 2nd P2P network loan platform if it exists, then install this
The installation file of two P2P network loan platforms.
Optionally, Fig. 7 is that the structure for the P2P network loan platform risk analysis device that further embodiment of this invention provides is shown
Be intended to, which can be realized by way of software and/or hardware, such as: the device can be terminal device part or
All, terminal device can be PC, smart phone, user terminal, tablet computer, wearable device etc., below with end
End equipment is that executing subject is illustrated P2P network loan platform risk analysis method, as shown in fig. 7, second obtains module
Include:
Submodule 421 is handled, the debt-credit item page for inquiring at least one the 2nd P2P network loan platform is borrowed
Borrowing item page includes loan information, and debt-credit item page content is saved to extensible markup language document；
First extracting sub-module 422, for extracting in debt-credit item page content according to extensible markup language document
Loan information.
Optionally, P2P network loan platform risk analysis device provided in an embodiment of the present invention, further includes:
Screen capture module 423, for carrying out screenshot capture to debt-credit item page, screenshot capture is for confirming loan information
Accuracy.
Fig. 8 is the structural schematic diagram of terminal provided in an embodiment of the present invention, as shown in figure 8, the server includes:
Processor 71, memory 72, transceiver 73 and computer program；Wherein, transceiver 73 realize terminal device with
Data transmission between other equipment, computer program is stored in memory 72, and is configured as being held by processor 71
Row, computer program includes the instruction for executing above-mentioned P2P network loan platform risk analysis method, and content and effect are asked
With reference to embodiment of the method.
The embodiment of the present invention provides a kind of computer readable storage medium, which has calculating
Machine program, computer program make server execute the P2P network loan platform wind such as optional way in above method embodiment
Dangerous analysis method, content and effect please refer to embodiment of the method.
The embodiment of the present invention provides a kind of computer program product, comprising: executable instruction, executable instruction for realizing
Such as the P2P network loan platform risk analysis method of optional way in above method embodiment, content and the effect side of please referring to
Method embodiment.
Those of ordinary skill in the art will appreciate that: realize that all or part of the steps of above-mentioned each method embodiment can lead to
The relevant hardware of program instruction is crossed to complete.Program above-mentioned can be stored in a computer readable storage medium.The journey
When being executed, execution includes the steps that above-mentioned each method embodiment to sequence；And storage medium above-mentioned include: ROM, RAM, magnetic disk or
The various media that can store program code such as person's CD.
Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention., rather than its limitations；To the greatest extent
Pipe present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that: its according to
So be possible to modify the technical solutions described in the foregoing embodiments, or to some or all of the technical features into
Row equivalent replacement；And these are modified or replaceed, various embodiments of the present invention technology that it does not separate the essence of the corresponding technical solution
The range of scheme.
Claims (10)
1. a kind of P2P network loan platform risk analysis method characterized by comprising
Obtain the mark of the first borrower in the first P2P network loan platform；
The loan information of at least one the 2nd P2P network loan platform publication is obtained, the loan information is included in described second
The loaning bill of the mark of at least one the second borrower in P2P network loan platform and at least one second borrower letter
Breath；
According to the mark of the loan information and first borrower, judge first borrower in the 2nd P2P net
With the presence or absence of loaning bill in network loan platform；
According to judge first borrower in the 2nd P2P network loan platform with the presence or absence of borrow money as a result, generate
Examining report.
2. the method according to claim 1, wherein described at least one the 2nd P2P network loan platform of acquisition
Before the loan information of publication, further includes:
First the application list is obtained, described first the application list includes at least one described 2nd P2P network loan
The installation file of platform, and according to the installation file in described first the application list, obtain each 2nd P2P network
Loan platform wraps name correspondingly；
Second the application list is obtained, described second the application list includes the packet name that terminal has installed application program, root
Name is wrapped correspondingly according to described second the application list and each 2nd P2P network loan platform, is judged whether
The installation file of each 2nd P2P network loan platform has been installed；
The installation file of uninstalled 2nd P2P network loan platform if it exists, then install the 2nd P2P network loan platform
Installation file.
3. according to the method described in claim 2, it is characterized in that, described at least one the 2nd P2P network loan platform of acquisition
The loan information of publication, comprising:
The debt-credit item page at least one described 2nd P2P network loan platform is inquired, the debt-credit item page includes
Loan information, and the debt-credit item page content is saved to extensible markup language document；
According to the extensible markup language document, the loan information in the debt-credit item page content is extracted.
4. according to the method described in claim 3, it is characterized by further comprising:
Screenshot capture is carried out to the debt-credit item page, the screenshot capture is used to confirm the accuracy of the loan information.
5. method according to claim 1-4, which is characterized in that borrowed according to the loan information with described first
The mark of money people judges first borrower in the 2nd P2P network loan platform with the presence or absence of loaning bill, comprising:
The mark of at least one second borrower is extracted according to the loan information；
According to the mark of at least one second borrower and the mark of first borrower, first borrower is judged
With the presence or absence of loaning bill in the 2nd P2P network loan platform.
6. the method according to claim 1, wherein
The mark of first borrower includes one of following information of the first borrower or a variety of:
Name, identity card, house lease information, industrial and commercial essential information, house property information or contact method；
The mark of second borrower includes one of following information of the second borrower or a variety of:
Name, identity card, house lease information, industrial and commercial essential information, house property information or contact method.
7. a kind of P2P network loan platform risk analysis device characterized by comprising
First obtains module, for obtaining the mark of the first borrower in the first P2P network loan platform；
Second obtains module, for obtaining the loan information of at least one the 2nd P2P network loan platform publication, the debt-credit letter
Breath include at least one the second borrower in the 2nd P2P network loan platform mark and it is described at least one
The loaning bill information of two borrowers；
Judgment module judges that first borrower exists for the mark according to the loan information and first borrower
With the presence or absence of loaning bill in the 2nd P2P network loan platform；
Generation module, for according to judging first borrower in the 2nd P2P network loan platform with the presence or absence of borrowing
Money as a result, generate examining report.
8. device according to claim 7, which is characterized in that further include:
Third obtains module, and for obtaining first the application list, described first the application list includes at least one institute
The installation file of the 2nd P2P network loan platform is stated, and according to the installation file in described first the application list, is obtained every
A 2nd P2P network loan platform wraps name correspondingly；
4th obtains module, and for obtaining second the application list, described second the application list includes that terminal has been installed
The packet name of application program, it is a pair of according to described second the application list and each 2nd P2P network loan platform one
The packet name answered judges whether the installation file for having installed each 2nd P2P network loan platform；
Module is installed, the 2nd P2P is then installed for the installation file of uninstalled 2nd P2P network loan platform if it exists
The installation file of network loan platform.
9. a kind of terminal characterized by comprising
Processor；
Memory；And
Computer program；
Wherein, the computer program is stored in the memory, and is configured as being executed by the processor, described
Computer program includes the instruction for executing as the method according to claim 1 to 6.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has computer journey
Sequence, the computer program make server perform claim require the described in any item methods of 1-6.
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