CN110443694A - Financing method and device on little Wei enterprise line - Google Patents
Financing method and device on little Wei enterprise line Download PDFInfo
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- CN110443694A CN110443694A CN201910699420.6A CN201910699420A CN110443694A CN 110443694 A CN110443694 A CN 110443694A CN 201910699420 A CN201910699420 A CN 201910699420A CN 110443694 A CN110443694 A CN 110443694A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The present invention provides financing method and device on a kind of little Wei enterprise line, and method includes: to receive the first financing request for the target financing user for belonging to small micro- type of business, and the first financing request includes the risk portrait and management data information of target financing user；The amount of money of financing of target financing user is determined based on risk portrait, management data information and the pre-stored credit model of target financing user；The amount of money that can finance is sent to target financing user and receives the second financing request of target financing user, the second financing request includes the financing element information of target financing user；The financing element information, target financing consumer's risk portrait and management data information of target financing user are assessed, and determine whether to allow to make loans to the target financing user of the financing request of sending second according to the assessment result, if so, exporting the corresponding information of making loans of target financing user.The present invention can effectively improve the efficiency of financing, so that the operation of financing is more convenient.
Description
Technical field
The present invention relates to financial technology fields, and in particular to financing method and device on a kind of little Wei enterprise line.
Background technique
Little Wei enterprise is the general designation of small business, minuscule-type-enterprise, family workshop type enterprise, also refers to while meeting and answers in year
Incomes from taxes volume is no more than 3,000,000 yuan, number of employees is no more than 300 people and total assets are no more than 50,000,000 yuan of three conditions
Enterprise.The financing of little Wei enterprise is Present Global finance hot spot and difficult point project, and financing difficulties, expensive problem still protrude, finance
Problem, which seriously affects enterprise development and even results in medium-sized and small enterprises, faces bankruptcy.
Under the line of tradition financing in business model, loan process is cumbersome, written material of submitting to a higher level for approval or revision is more, the artificial examination & approval time is superfluous
The reasons such as long cause little Wei enterprise to be unable to get satisfaction to the urgent demand of capital turnover timeliness.
Therefore financing method on a kind of line by the online application of little Wei enterprise is needed.
Summary of the invention
For the problems of the prior art, the present invention provides financing method and device on a kind of little Wei enterprise line, Neng Gouyou
Effect improves the efficiency of financing, so that the operation of financing is more convenient.
In order to solve the above technical problems, the present invention the following technical schemes are provided:
In a first aspect, the present invention provides financing method on a kind of little Wei enterprise line, comprising:
The the first financing request for belonging to the target financing user of small micro- type of business is received, the first financing request includes
The risk portrait and management data information of target financing user；
The mesh is determined based on risk portrait, management data information and the pre-stored credit model of target financing user
The amount of money of financing of mark financing user；Wherein, the credit model is a kind of to belong to small micro- type of business based on multiple
The historical risk portrait of financing user, management data information and corresponding the history user that amount of money training obtains that can finance classify mould
Type；
The amount of money of financing is sent to target financing user and receives the second financing request of target financing user,
The second financing request includes the financing element information of target financing user；
To the financing element information of target financing user, the risk of target financing user is drawn a portrait and management data
Information is assessed, and is determined whether to allow the user that finances to the target for issuing the second financing request according to the assessment result
It makes loans, if so, exporting the corresponding information of making loans of target financing user.
Wherein, described to draw a portrait to the financing element information of target financing user, the risk of target financing user
It is assessed with management data information, comprising:
Financing element information, target financing user using pre-stored examination & approval model to target financing user
Risk portrait and management data information are assessed；Wherein, the examination & approval model is a kind of history financing based on financing user
The overall merit that element information, the historical risk portrait for the user that finances, history financing result and the training of management data information obtain
Model.
Wherein, in the amount of money of financing is sent to target financing user and receives target financing user the
After two financing requests, further includes:
The risk portrait of target financing user is screened；
It is corresponding, it is described to the target financing user financing element information, the target financing user risk
Portrait and management data information are assessed, comprising:
Number is drawn a portrait and managed to the target financing consumer's risk after the target financing financing element information of user, screening
It is believed that breath is assessed.
Further, it is described by the amount of money of financing be sent to target financing user and receive the target financing user
Second financing request after, further includes:
The financing element information of the target financing user is periodically acquired, and periodically judges that the financing of acquisition is wanted
Whether prime information reaches preset early-warning conditions, if so, issuing the warning message for prompting risk.
Further, after the corresponding information of making loans of described output target financing user, further includes:
If the financing element information of acquisition reaches preset early-warning conditions, the mesh is obtained in the preset database
Mark financing user location accepts requirement, and transfers according to the requirement that accepts of acquisition and require corresponding number with described accept
According to；
It is wherein, described that accept request include that notarial office accepts requirement and/or law court accepts requirement；In the presetting database
Various regions notarial office and/or law court is stored in advance accepts requirement.
Wherein, the information of the target financing user, comprising: Customs Assigned Number, title, address, certificate, passport NO., connection
It is at least one of mode and financing application scenarios.
Wherein, the financing element information of the target financing user, comprising: the amount of the loan, interest rate, is made loans at the length of maturity
At least one of account, refund account and payment funding object.
Second aspect, the present invention provide device of financing on a kind of little Wei enterprise line, comprising:
First receiving unit, for receiving the first financing request for belonging to the target financing user of small micro- type of business, institute
State the risk portrait and management data information that the request of the first financing includes target financing user；
Credit unit, for based on target financing user risk portrait, management data information and pre-stored award
Letter model determines the amount of money of financing of target financing user；Wherein, the credit model is a kind of based on described in multiple belong to
The historical risk portrait of the financing user of small micro- type of business, management data information and corresponding the history amount of money that can finance are trained
The user's disaggregated model arrived；
Second receiving unit is used for the amount of money of financing to be sent to target financing user and receives target financing
The second financing request at family, the second financing request include the financing element information of target financing user；
Financing unit, the risk for financing element information, target financing user to target financing user
Portrait and management data information are assessed, and are determined whether to allow the second financing request described to sending according to the assessment result
Target financing user make loans, if so, exporting the corresponding information of making loans of target financing user.
Wherein, the financing unit includes:
Assess subelement, for using pre-stored examination & approval model to the financing element information of target financing user,
The risk portrait and management data information of the target financing user is assessed；Wherein, the examination & approval model is that one kind is based on
The history financing element information of financing user, the historical risk portrait for the user that finances, history financing result and management data information
The comprehensive evaluation model that training obtains.
Further, further includes:
Screening unit is screened for the risk portrait to target financing user；
Corresponding, the financing unit is also used to the financing element information to target financing user, after screening
The risk portrait and management data information of target financing user is assessed.
Further, further includes:
Prewarning unit, for periodically acquiring the financing element information of the target financing user, and periodically judgement is adopted
Whether the financing element information of collection reaches preset early-warning conditions, if so, issuing the warning message for prompting risk.
Further, further includes:
Unit is transferred, if the financing element information for acquisition reaches preset early-warning conditions, in preset data
It obtains the requirement that accepts in target financing user location in library, and transfers and wanted with described accept according to the requirement that accepts of acquisition
Seek corresponding data；
It is wherein, described that accept request include that notarial office accepts requirement and/or law court accepts requirement；In the presetting database
Various regions notarial office and/or law court is stored in advance accepts requirement.
Wherein, the information of the target financing user, comprising: Customs Assigned Number, title, address, certificate, passport NO., connection
It is at least one of mode and financing application scenarios.
Wherein, the financing element information of the target financing user, comprising: the amount of the loan, interest rate, is made loans at the length of maturity
At least one of account, refund account and payment funding object.
The third aspect, the present invention provides a kind of electronic equipment, including memory, processor and storage are on a memory and can
The computer program run on a processor is realized when the processor executes described program and is financed on the little Wei enterprise line
The step of method.
Fourth aspect, the present invention provide a kind of computer readable storage medium, are stored thereon with computer program, the calculating
The step of financing method on the little Wei enterprise line is realized when machine program is executed by processor.
As shown from the above technical solution, the present invention provides financing method and device on a kind of little Wei enterprise line, passes through reception
Belong to small micro- type of business target financing user first financing request, it is described first financing request include target finance user
Risk portrait and management data information；Risk portrait, management data information based on target financing user and pre-stored
Credit model determine the target financing user the amount of money of financing；Wherein, the credit model is that one kind is belonged to based on multiple
The user that amount of money training that the historical risk of the financing user of small micro- type of business is drawn a portrait and corresponding history can finance obtains
Disaggregated model；The amount of money of financing is sent to target financing user and the second financing for receiving target financing user is asked
It asks, the second financing request includes the financing element information of target financing user；The financing of target financing user is wanted
Prime information, the risk portrait of target financing user and management data information are assessed, and are determined according to the assessment result
Whether allow to make loans to the target financing user for issuing the second financing request, be used if so, exporting target financing
The corresponding information of making loans in family, can be improved the efficiency of financing, and make the operation of financing more convenient.
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 the present invention
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.
Fig. 1 be the embodiment of the present invention in little Wei enterprise line on financing method the first flow diagram.
Fig. 2 be the embodiment of the present invention in little Wei enterprise line on financing method second of flow diagram.
Fig. 3 be the embodiment of the present invention in little Wei enterprise line on financing method the third flow diagram.
Fig. 4 be the embodiment of the present invention in little Wei enterprise line on financing method the 4th kind of flow diagram.
Fig. 5 be the embodiment of the present invention in little Wei enterprise line on finance device structural schematic diagram.
Fig. 6 is the structural schematic diagram of the electronic equipment in the 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, the 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.
The present invention provides the embodiment of financing method on a kind of little Wei enterprise line, referring to Fig. 1, melts on little Wei enterprise line
Capital's method specifically includes following content:
S101: receiving the first financing request for belonging to the target financing user of small micro- type of business, and first financing is asked
Ask risk portrait and management data information including target financing user；
In this step, the target financing user of small micro- type of business, which can register on line and carry out identity, recognizes
Card, the relevant information of available little Wei enterprise after authenticating successfully, including but not limited to essential information, operation and financial situation,
Social collecting funds situation, water power heat consumption situation, transaction details, enterprise are honoured an agreement evaluation.
The first financing request that the target financing user of small micro- type of business issues includes that the risk of target financing user is drawn
Picture, the information of target financing user, comprising: Customs Assigned Number, title, address, certificate, passport NO., contact method and financing are answered
With at least one of scene.
Wherein, financing application scenarios include but is not limited to that account settlement is borrowed, payroll credit is borrowed, life is paid the fees and financial asset
It borrows.
S102: risk portrait, management data information and pre-stored credit model based on target financing user are true
The amount of money of financing of fixed target financing user；Wherein, the credit model is a kind of to belong to the little Wei enterprise based on multiple
User's disaggregated model that amount of money training that the historical risk of the financing user of type is drawn a portrait and corresponding history can finance obtains；
In this step, after getting the first financing request of target financing user, according in the first financing request
Target financing user risk portrait analyze, determine the target financing user the amount of money of financing.
It, should again when it is implemented, being the amount of money of financing for determining target financing user according to pre-stored credit model
Credit model is to carry out Fundamental Analysis and operation situation analysis by the risk portrait to target financing user, to determine target
The credit scoring of financing user.Wherein, credit scoring can show that the trusted degree of target financing user, and credit scoring is got over
Height shows that the trusted degree of target financing user is higher, and the amount of money of financing of acquisition is higher.
It should be noted that the credit model is a kind of based on multiple financing users for belonging to small micro- type of business
Historical risk portrait and corresponding history can finance the obtained user's disaggregated model of amount of money training.
S103: being sent to target financing user for the amount of money of financing and receives the second financing of target financing user
Request, the second financing request include the financing element information of target financing user；
In this step, the amount of money of financing of target financing user is sent to target financing user, target financing user
It judges whether to finance, when target financing user finances, target financing user sends the second financing request,
In, the second financing request includes at least one in the financing element information and existing customer credit risk portrait of target financing user
Kind；Target financing user financing element information include: the amount of the loan, the length of maturity, interest rate, account of making loans, refund account and
At least one of payment funding object.
If receiving the second financing request of target financing user, show that target financing user applies for financing.
S104: to the financing element information of target financing user, the risk of target financing user is drawn a portrait and warp
Battalion's data information is assessed, and determines whether to allow to melt the target for issuing the second financing request according to the assessment result
Available family is made loans, if so, exporting the corresponding information of making loans of target financing user.
In this step, the first financing request and the second financing request of target financing user are determined, and respectively corresponding
Risk portrait and financing element information, to the risk portrait and the financing element information check.Carrying out audit process
In both can use the data of third-party related target financing user, can also melting about target in combination with itself storage
The data at available family.If checking corresponding risk in the first financing request and the second financing request of target financing user to draw
Picture and financing element information are correct, then assessment passes through；If checking the first financing request and the second financing of target financing user
Any one of corresponding risk portrait and financing element information are incorrect in request, then assess and do not pass through.
It should be noted that if assessment pass through, then allow to issue it is described second financing request target finance user into
Row is made loans, and exports the corresponding information of making loans of target financing user to server of making loans, so that this is made loans, server is according to silver
The preset process of making loans of row is made loans.
If assessment does not pass through, do not allow to make loans to the target financing user for issuing the second financing request.
As can be seen from the above description, the embodiment of the present invention provides financing method on a kind of little Wei enterprise line, belonged to by receiving
The first financing request of the target financing user of small micro- type of business, the first financing request include the wind of target financing user
Danger portrait and management data information；It risk portrait, management data information based on target financing user and pre-stored awards
Letter model determines the amount of money of financing of target financing user；Wherein, the credit model is a kind of based on described in multiple belong to
The historical risk portrait of the financing user of small micro- type of business, management data information and corresponding the history amount of money that can finance are trained
The user's disaggregated model arrived；The amount of money of financing is sent to target financing user and receives the second of target financing user
Financing request, the second financing request include the financing element information of target financing user；To target financing user's
Financing element information, the risk portrait of target financing user and management data information are assessed, and according to the assessment knot
Fruit determines whether to allow to make loans to the target financing user for issuing the second financing request, if so, exporting the target
The corresponding information of making loans of financing user, can be improved the efficiency of financing, and make the operation of financing more convenient.
The embodiment of the present invention is provided in the step S104 of above-described embodiment, believes the financing element of target financing user
A kind of implementation that breath, the risk portrait of target financing user and management data information are assessed, specifically includes:
Financing element information, target financing user using pre-stored examination & approval model to target financing user
Risk portrait and management data information assessed；Wherein, it is described examination & approval model be it is a kind of based on financing user history melt
The synthesis that money element information, the historical risk portrait for the user that finances, management data information and history financing result training obtain is commented
Valence model.
In the specific implementation, the historical risk of the history financing element information, the user that finances that are in advance based on financing user is drawn
The comprehensive evaluation model that picture, management data information and history financing result training obtain, which is to examine mould
Type.
After the risk portrait of the financing element information and target financing user that determine target financing user, by examining mould
Type is assessed, and can be improved the efficiency of assessment, and then is enhanced financing efficiency, and reduces the operating procedure of target financing user simultaneously
The time is saved.
The embodiment of the present invention provides the embodiment of financing method on a kind of little Wei enterprise line, referring to fig. 2, in above-mentioned small micro- enterprise
After step S103 on industry line in financing method embodiment, further includes:
S105: the risk portrait of target financing user is screened；
In this step, according to target financing user manages location and is distributed to branch bank's system to the wind of target financing user
Danger portrait is verified or is screened online, the error message in the risk portrait of delete target financing user.
It should be noted that can also carry out target financing user reference, industrial and commercial registration, supreme people's court breaks one's promise and third party
The inside and outside data check rule of the rows such as negative public sentiment, accomplishes to carry out system-level overall risk screening while batch obtains visitor.
It is corresponding, step S104: the target financing user described in the financing element information to target financing user
Risk portrait and management data information when being assessed, to the mesh after the financing element information screening of target financing user
The risk portrait and management data information of mark financing user is assessed.The standard of the risk portrait of target financing user can be improved
True property reduces financing risk.
The embodiment of the present invention provides the embodiment of financing method on a kind of little Wei enterprise line, referring to Fig. 3, in above-mentioned small micro- enterprise
After step S103 on industry line in financing method embodiment, further includes:
S106: the financing element information of the target financing user is periodically acquired, and periodically judges the described of acquisition
Whether financing element information reaches preset early-warning conditions, if so, issuing the warning message for prompting risk.
In this step, it provides a loan the duration, periodically acquires the financing element information of target financing user, and periodically
The variation and fluctuation of the financing element information of judgement acquisition, can from qualitative and quantitation dimension dynamic adjustment customer lending qualification and
The accrediting amount realizes that the financing to target financing user is monitored and adjusted.Meanwhile if the variation and fluctuation of financing element information are led
It causes the financing element information of target financing user to reach preset early-warning conditions, then triggers alarm and issue for prompting risk
Warning message realizes the risk control to the target financing user of little Wei enterprise, the further risk for reducing financing.
On the basis of this implementation, referring to fig. 4, further includes:
S107: it if the financing element information of acquisition reaches preset early-warning conditions, obtains in the preset database
Target financing user location accepts requirement, and according to acquisition accept requirement transfer with it is described accept require it is corresponding
Data；
It is wherein, described that accept request include that notarial office accepts requirement and/or law court accepts requirement；In the presetting database
Various regions notarial office and/or law court is stored in advance accepts requirement.
In this step, if if the financing element information of acquisition reaches preset early-warning conditions or target financing is used
It is not closed normally after the expiring of family, then obtains the requirement that accepts in target financing user location in the preset database, and according to
The requirement that accepts obtained is transferred and requires corresponding data with accepting, accomplish evidence save from damage or actio finium regundorum it is convenient.
In conclusion financing method on little Wei enterprise provided by the invention line, it is multiple can to alleviate target financing user
The inconvenience of material is submitted by round-trip bank, and the automatic examination & approval on line of going forward side by side greatly improve the speed that target financing user obtains loan
The efficiency of degree and the processing of bank end has also taken precautions against operational risk when providing a loan examination & approval under line to a certain extent；In addition, loan is deposited
It renews interior according to business datum change conditions, based on the monitoring policy disposed in advance, supports qualitative, quantitative system decision-making tune
Whole and support early warning step landing is verified.And bank can be on the basis of financing method on little Wei enterprise provided by the invention line
The business model for further increasing guarantee, mortgaging, pledging has preferable business development adaptation prospect, can be little Wei enterprise
Not only the online financing services for standardizing but also having scene personal characteristics are provided.
The embodiment of the present invention, which provides, a kind of can be realized on little Wei enterprise line the small micro- of full content in financing method
The specific embodiment of financing device on enterprise's line, device of financing referring to Fig. 5, on little Wei enterprise line specifically include in following
Hold:
First receiving unit 10, for receiving the first financing request for belonging to the target financing user of small micro- type of business,
The first financing request includes the risk portrait of target financing user；
Credit unit 20, the credit model for being drawn a portrait and being pre-stored based on the risk of target financing user determines should
The amount of money of financing of target financing user；Wherein, the credit model is a kind of to belong to small micro- type of business based on multiple
Financing user historical risk portrait and corresponding history can finance the obtained user's disaggregated model of amount of money training；
Second receiving unit 30, for the amount of money of financing to be sent to target financing user and receives target financing
The second financing request of user, the second financing request include the financing element information of target financing user；
Financing unit 40, the wind for financing element information and target financing user to target financing user
Danger portrait is assessed, and determines whether to allow to use the target financing for issuing the second financing request according to the assessment result
Family is made loans, if so, exporting the corresponding information of making loans of target financing user.
Wherein, the financing unit includes:
Assess subelement, for using pre-stored examination & approval model to the financing element information of target financing user and
The risk portrait of the target financing user is assessed；Wherein, the examination & approval model is a kind of history based on financing user
The comprehensive evaluation model that financing element information, the historical risk portrait for the user that finances and history financing result training obtain.
Further, further includes:
Screening unit 50 is screened for the risk portrait to target financing user；
Corresponding, the financing unit is also used to after the financing element information of target financing user and screening
Target financing user risk portrait assess.
Further, further includes:
Prewarning unit 60 for periodically acquiring the financing element information of the target financing user, and periodically judges
Whether the financing element information of acquisition reaches preset early-warning conditions, if so, issuing the alarm signal for prompting risk
Breath.
Further, further includes:
Unit 70 is transferred, if the financing element information for acquisition reaches preset early-warning conditions, in present count
It transfers and is accepted with described according to the requirement that accepts for obtaining target financing user location in library, and according to the requirement that accepts of acquisition
It is required that corresponding data；
It is wherein, described that accept request include that notarial office accepts requirement and/or law court accepts requirement；In the presetting database
Various regions notarial office and/or law court is stored in advance accepts requirement.
Wherein, the information of the target financing user, comprising: Customs Assigned Number, title, address, certificate, passport NO., connection
It is at least one of mode and financing application scenarios.
Wherein, the financing element information of the target financing user, comprising: the amount of the loan, interest rate, is made loans at the length of maturity
At least one of account, refund account and payment funding object.
The embodiment of financing device specifically can be used for executing in above-described embodiment on little Wei enterprise provided by the invention line
Little Wei enterprise line on financing method embodiment process flow, details are not described herein for function, is referred to the above method
The detailed description of embodiment.
As can be seen from the above description, device of financing on little Wei enterprise provided in an embodiment of the present invention line, is belonged to small by reception
The first financing request of the target financing user of micro- type of business, the first financing request include the risk of target financing user
Portrait and management data information；Risk portrait, management data information and pre-stored credit based on target financing user
Model determines the amount of money of financing of target financing user；Wherein, the credit model be it is a kind of based on it is multiple belong to it is described small
User's classification mould that amount of money training that the historical risk of the financing user of micro- type of business is drawn a portrait and corresponding history can finance obtains
Type；The amount of money of financing is sent to target financing user and receives the second financing request of target financing user, it is described
Second financing request includes the financing element information of target financing user；To the target financing user financing element information,
The risk portrait and management data information of the target financing user is assessed, and determines whether to allow according to the assessment result
It makes loans the target financing user for issuing the second financing request, if so, it is corresponding to export target financing user
It makes loans information, can be improved the efficiency of financing, and make the operation of financing more convenient.
The application provides a kind of electricity for realizing all or part of the content in financing method on little Wei enterprise line
Electronic equipment described in the embodiment of sub- equipment specifically includes following content:
Processor (processor), memory (memory), communication interface (Communications Interface) and
Bus；Wherein, the processor, memory, communication interface complete mutual communication by the bus；The communication interface
For realizing the information transmission between relevant device；The electronic equipment can be desktop computer, tablet computer and mobile terminal
Deng the present embodiment is without being limited thereto.In the present embodiment, which is referred to embodiment for realizing the little Wei enterprise
The embodiment of financing method and the embodiment for realizing device of financing on little Wei enterprise line are implemented on line, content
It is incorporated in this, overlaps will not be repeated.
Fig. 6 is the schematic block diagram that the system of the electronic equipment 9600 of the embodiment of the present application is constituted.As shown in fig. 6, the electronics
Equipment 9600 may include central processing unit 9100 and memory 9140；Memory 9140 is coupled to central processing unit 9100.Value
It obtains it is noted that the Fig. 6 is exemplary；Other kinds of structure can also be used, to supplement or replace the structure, to realize
Telecommunications functions or other function.
In one embodiment, financing function can be integrated into central processing unit 9100 on little Wei enterprise line.Wherein, central
Processor 9100, which can be configured as, to carry out control as follows: receive the target financing user for belonging to small micro- type of business first is melted
Money request, the first financing request include the risk portrait and management data information of target financing user；Based on the target
Risk portrait, management data information and the pre-stored credit model of financing user determine the gold of financing of target financing user
Volume；Wherein, the credit model is a kind of historical risk picture based on multiple financing users for belonging to small micro- type of business
As and corresponding history can finance the obtained user's disaggregated model of amount of money training；The amount of money of financing is sent to target financing
User and the second financing request for receiving target financing user, the second financing request includes the financing of target financing user
Element information；To the financing element information of target financing user, the risk portrait of target financing user and manage number
It is believed that breath is assessed, and determine whether to allow to use the target financing for issuing the second financing request according to the assessment result
Family is made loans, if so, exporting the corresponding information of making loans of target financing user.
As can be seen from the above description, the electronic equipment that embodiments herein provides, belongs to small micro- type of business by receiving
Target financing user first financing request, it is described first financing request include target financing user risk portrait and manage
Data information；It should based on the risk portrait of target financing user, management data information and pre-stored credit model determination
The amount of money of financing of target financing user；Wherein, the credit model is a kind of to belong to small micro- type of business based on multiple
Financing user historical risk portrait and corresponding history can finance the obtained user's disaggregated model of amount of money training；It can by described in
The financing amount of money is sent to target financing user and receives the second financing request of target financing user, the second financing request
Financing element information including target financing user；Financing element information, target financing to target financing user
The risk portrait and management data information of user is assessed, and is determined whether to allow according to the assessment result to issuing described the
The target financing user of two financing requests makes loans, if so, the corresponding information of making loans of target financing user is exported, it can
The efficiency of financing is improved, and makes the operation of financing more convenient.
In another embodiment, on little Wei enterprise line finance device can with 9100 separate configuration of central processing unit,
Such as the chip connecting with central processing unit 9100 can be configured by financing on little Wei enterprise line, pass through the control of central processing unit
System is to realize financing function on little Wei enterprise line.
As shown in fig. 6, the electronic equipment 9600 can also include: communication module 9110, input unit 9120, audio processing
Device 9130, display 9160, power supply 9170.It is worth noting that, electronic equipment 9600 is also not necessary to include institute in Fig. 6
All components shown；In addition, electronic equipment 9600 can also include the component being not shown in Fig. 6, the prior art can be referred to.
As shown in fig. 6, central processing unit 9100 be otherwise referred to as controller or operational controls, may include microprocessor or
Other processor devices and/or logic device, the central processing unit 9100 receive input and controlling electronic devices 9600 it is each
The operation of component.
Wherein, memory 9140, such as can be buffer, flash memory, hard disk driver, removable medium, volatile memory, non-
One of volatile memory or other appropriate devices or more.Above-mentioned information related with failure can be stored, additionally
The program executed for information about can be stored.And the program of the memory 9140 storage can be performed in central processing unit 9100, with
Realize information storage or processing etc..
Input unit 9120 provides input to central processing unit 9100.The input unit 9120 is, for example, key or touches defeated
Enter device.Power supply 9170 is used to provide electric power to electronic equipment 9600.Display 9160 is for carrying out the display such as image and text
The display of object.The display may be, for example, LCD display, and but it is not limited to this.
The memory 9140 can be solid-state memory, for example, read-only memory (ROM), random access memory
(RAM), SIM card etc..The memory that may also is that, saves information when power is off, can be selectively erased
And more data are equipped with, the example of the memory is sometimes referred to as EPROM etc..Memory 9140 can also be some other type
Device.Memory 9140 includes buffer storage 9141 (sometimes referred to as buffer).Memory 9140 may include using/
Function storage unit 9142, the applications/functions storage unit 9142 is for storing application program and function program or for passing through center
Processor 9100 executes the process of the operation of electronic equipment 9600.
Memory 9140 can also include data store 9143, the data store 9143 for storing data, such as
Contact person, numerical data, picture, sound and/or any other data used by electronic equipment.The driving journey of memory 9140
Sequence storage unit 9144 may include electronic equipment for communication function and/or other function for executing electronic equipment (such as
Messaging application, address list application etc.) various drivers.
Communication module 9110 is the transmitter receiver 9110 sent and received signal via antenna 9111.Communicate mould
Block (transmitter receiver) 9110 is coupled to central processing unit 9100, and to provide input signal and receive output signal, this can be with
The case where with normal mobile communication terminal, is identical.
Based on the different communication technologys, in same electronic equipment, multiple communication modules 9110 can be set, such as honeycomb
Network module, bluetooth module and/or Wireless LAN module etc..Communication module (transmitter receiver) 9110 is also via audio
Processor 9130 is coupled to loudspeaker 9131 and microphone 9132, to provide audio output via loudspeaker 9131, and receives and
From the audio input of microphone 9132, to realize common telecommunications functions.Audio processor 9130 may include any suitable
Buffer, decoder, amplifier etc..In addition, audio processor 9130 is additionally coupled to central processing unit 9100, so that can
Can record in the machine by microphone 9132, and allow to play the sound stored in the machine by loudspeaker 9131
Sound.
The embodiment of the present invention also provides whole in financing method on the little Wei enterprise line that can be realized in above-described embodiment
A kind of computer readable storage medium of step is stored with computer program on the computer readable storage medium, the calculating
Machine program realizes the Overall Steps of financing method on the little Wei enterprise line in above-described embodiment when being executed by processor, for example, institute
It states when processor executes the computer program and realizes following step: receiving the target financing user's for belonging to small micro- type of business
First financing request, the first financing request include the risk portrait and management data information of target financing user；Based on institute
What risk portrait, management data information and the pre-stored credit model for stating target financing user determined target financing user can
The financing amount of money；Wherein, the credit model is a kind of history based on multiple financing users for belonging to small micro- type of business
User's disaggregated model that amount of money training that risk is drawn a portrait and corresponding history can finance obtains；The amount of money of financing is sent to mesh
Mark financing user and receive the target financing user second financing request, it is described second financing request include target finance user
Financing element information；To the target financing user financing element information, the target financing user risk portrait and
Management data information is assessed, and is determined whether to allow the target to the second financing request is issued according to the assessment result
Financing user makes loans, if so, exporting the corresponding information of making loans of target financing user.
As can be seen from the above description, computer readable storage medium provided in an embodiment of the present invention, is belonged to small micro- by reception
The first financing request of the target financing user of the type of business, the first financing request include that the risk of target financing user is drawn
Picture and management data information；Risk portrait, management data information and pre-stored credit mould based on target financing user
Type determines the amount of money of financing of target financing user；Wherein, the credit model be it is a kind of based on it is multiple belong to it is described small micro-
User's disaggregated model that amount of money training that the historical risk of the financing user of the type of business is drawn a portrait and corresponding history can finance obtains；
The amount of money of financing is sent to target financing user and receives the second financing request of target financing user, described second
Financing request includes the financing element information of target financing user；To the financing element information, described of target financing user
The risk portrait and management data information of target financing user is assessed, and determines whether to allow to hair according to the assessment result
The target financing user of the second financing request makes loans out, if so, exporting target financing, user is corresponding makes loans
Information, can be improved the efficiency of financing, and make the operation of financing more convenient.
Although the present invention provides the method operating procedure as described in embodiment or flow chart, based on conventional or noninvasive
The labour for the property made may include more or less operating procedure.The step of enumerating in embodiment sequence is only numerous steps
One of execution sequence mode, does not represent and unique executes sequence.It, can when device or client production in practice executes
To execute or parallel execute (such as at parallel processor or multithreading according to embodiment or method shown in the drawings sequence
The environment of reason).
It will be understood by those skilled in the art that the embodiment of this specification can provide as method, apparatus (system) or computer
Program product.Therefore, this specification embodiment can be used complete hardware embodiment, complete software embodiment or in conjunction with software and firmly
The form of embodiment in terms of part.Moreover, it wherein includes computer available programs generation that the present invention, which can be used in one or more,
The meter implemented in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of code
The form of calculation machine program product.
The present invention be referring to according to the method for the embodiment of the present invention, the flow chart of device (system) and computer program product
And/or block diagram describes.It should be understood that each process in flowchart and/or the block diagram can be realized by computer program instructions
And/or the combination of the process and/or box in box and flowchart and/or the block diagram.It can provide these computer programs to refer to
Enable the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to generate
One machine so that by the instruction that the processor of computer or other programmable data processing devices executes generate for realizing
The device for the function of being specified in one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.Herein, relational terms such as first and second and the like be used merely to an entity or
Operation is distinguished with another entity or operation, and without necessarily requiring or implying between these entities or operation, there are any
This actual relationship or sequence.Moreover, the terms "include", "comprise" or its any other variant be intended to it is non-exclusive
Property include so that include a series of elements process, method, article or equipment not only include those elements, but also
Further include other elements that are not explicitly listed, or further include for this process, method, article or equipment it is intrinsic
Element.The orientation or positional relationship of the instructions such as term " on ", "lower" be based on the orientation or positional relationship shown in the drawings, be only for
Convenient for the description present invention and simplify description, rather than the device or element of indication or suggestion meaning there must be specific side
Position is constructed and operated in a specific orientation, therefore is not considered as limiting the invention.Unless otherwise specific regulation and limit
Fixed, term " installation ", " connected ", " connection " shall be understood in a broad sense, for example, it may be being fixedly connected, be also possible to detachably connect
It connects, or is integrally connected；It can be mechanical connection, be also possible to be electrically connected；It can be directly connected, intermediate matchmaker can also be passed through
Jie is indirectly connected, and can be the connection inside two elements.It for the ordinary skill in the art, can be according to specific
Situation understands the concrete meaning of above-mentioned term in the present invention.It should be noted that in the absence of conflict, in the present invention
Feature in embodiment and embodiment can be combined with each other.The invention is not limited to any single aspects, are also not limited to
Any single embodiment is also not limited to any combination and/or displacement of these aspects and/or embodiment.Furthermore, it is possible to single
Solely using it is of the invention it is each for the use of and/or embodiment or make for the use of other and/or in conjunction with embodiment with one or more
With.
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 should all cover within the scope of the claims and the description of the invention.
Claims (16)
1. financing method on a kind of little Wei enterprise line characterized by comprising
The the first financing request for belonging to the target financing user of small micro- type of business is received, the first financing request includes target
The risk portrait and management data information of financing user；
Determine that the target is melted based on risk portrait, management data information and the pre-stored credit model of target financing user
The amount of money of financing at available family；Wherein, the credit model is a kind of based on multiple financings for belonging to small micro- type of business
The historical risk portrait of user, management data information and corresponding history can finance user's disaggregated model that amount of money training obtains；
The amount of money of financing is sent to target financing user and receives the second financing request of target financing user, it is described
Second financing request includes the financing element information of target financing user；
To the financing element information of target financing user, the risk of target financing user is drawn a portrait and management data information
It is assessed, and determines whether to allow to carry out the target financing user for issuing the second financing request according to the assessment result
It makes loans, if so, exporting the corresponding information of making loans of target financing user.
2. financing method on little Wei enterprise according to claim 1 line, which is characterized in that described finance to the target is used
The financing element information at family, the risk portrait of target financing user and management data information are assessed, comprising:
Financing element information, target financing consumer's risk using pre-stored examination & approval model to target financing user
Portrait and management data information are assessed；Wherein, the examination & approval model is a kind of history financing element based on financing user
The comprehensive evaluation model that information, the historical risk portrait for the user that finances, history financing result and the training of management data information obtain.
3. financing method on little Wei enterprise according to claim 1 line, which is characterized in that in the gold that can finance by described in
Volume be sent to target financing user and receive the target financing user second financing request after, further includes:
The risk portrait of target financing user is screened；
It is corresponding, it is described to draw a portrait to the financing element information of target financing user, the risk of target financing user
It is assessed with management data information, comprising:
To the target financing consumer's risk portrait and management data letter after finance element information, the screening of target financing user
Breath is assessed.
4. financing method on little Wei enterprise according to claim 1 line, which is characterized in that in the gold that can finance by described in
Volume be sent to target financing user and receive the target financing user second financing request after, further includes:
The financing element information of the target financing user is periodically acquired, and periodically judges the financing element letter of acquisition
Whether breath reaches preset early-warning conditions, if so, issuing the warning message for prompting risk.
5. financing method on little Wei enterprise according to claim 4 line, which is characterized in that finance in described output target
After the corresponding information of making loans of user, further includes:
If the financing element information of acquisition reaches preset early-warning conditions, the target is obtained in the preset database and is melted
Available family location accepts requirement, and transfers according to the requirement that accepts of acquisition and require corresponding data with described accept；
It is wherein, described that accept request include that notarial office accepts requirement and/or law court accepts requirement；In the presetting database in advance
Storage various regions notarial office and/or law court accept requirement.
6. financing method on little Wei enterprise according to claim 1 line, which is characterized in that the letter of the target financing user
Breath, comprising: at least one of Customs Assigned Number, title, address, certificate, passport NO., contact method and financing application scenarios.
7. financing method on little Wei enterprise according to claim 1 line, which is characterized in that the target financing user's melts
Provide element information, comprising: in the amount of the loan, the length of maturity, interest rate, account of making loans, refund account and payment funding object extremely
Few one kind.
8. device of financing on a kind of little Wei enterprise line characterized by comprising
First receiving unit, for receiving the first financing request for belonging to the target financing user of small micro- type of business, described the
One financing request includes the risk portrait and management data information of target financing user；
Credit unit, for risk portrait, management data information and pre-stored credit mould based on target financing user
Type determines the amount of money of financing of target financing user；Wherein, the credit model be it is a kind of based on it is multiple belong to it is described small micro-
Historical risk portrait, management data information and the corresponding history of the financing user of the type of business can finance what amount of money training obtained
User's disaggregated model；
Second receiving unit, for the amount of money of financing to be sent to target financing user and receives target financing user's
Second financing request, the second financing request include the financing element information of target financing user；
Financing unit, the risk for financing element information, target financing user to target financing user are drawn a portrait
It is assessed with management data information, and is determined whether to allow the mesh to the second financing request is issued according to the assessment result
Mark financing user makes loans, if so, exporting the corresponding information of making loans of target financing user.
9. device of financing on little Wei enterprise according to claim 8 line, which is characterized in that the financing unit includes:
Assess subelement, for using pre-stored examination & approval model to the financing element information of target financing user, described
The risk portrait and management data information of target financing user is assessed；Wherein, the examination & approval model is a kind of based on financing
The history financing element information of user, the historical risk portrait for the user that finances, history financing result and the training of management data information
Obtained comprehensive evaluation model.
10. device of financing on little Wei enterprise according to claim 8 line, which is characterized in that further include:
Screening unit is screened for the risk portrait to target financing user；
It is corresponding, the financing unit, the target after finance element information, the screening of the user that is also used to finance to the target
The risk portrait and management data information of financing user is assessed.
11. device of financing on little Wei enterprise according to claim 8 line, which is characterized in that further include:
Prewarning unit for periodically acquiring the financing element information of the target financing user, and periodically judges acquisition
Whether the financing element information reaches preset early-warning conditions, if so, issuing the warning message for prompting risk.
12. device of financing on little Wei enterprise according to claim 11 line, which is characterized in that further include:
Unit is transferred, if the financing element information for acquisition reaches preset early-warning conditions, in the preset database
It obtains the requirement that accepts in target financing user location, and transfers according to the requirement that accepts of acquisition and require phase with described accept
Corresponding data；
It is wherein, described that accept request include that notarial office accepts requirement and/or law court accepts requirement；In the presetting database in advance
Storage various regions notarial office and/or law court accept requirement.
13. device of financing on little Wei enterprise according to claim 8 line, which is characterized in that the target financing user's
Information, comprising: at least one in Customs Assigned Number, title, address, certificate, passport NO., contact method and financing application scenarios
Kind.
14. device of financing on little Wei enterprise according to claim 8 line, which is characterized in that the target financing user's
Financing element information, comprising: in the amount of the loan, the length of maturity, interest rate, account of making loans, refund account and payment funding object
It is at least one.
15. a kind of electronic equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine program, which is characterized in that the processor realizes the described in any item small micro- enterprises of claim 1 to 8 when executing described program
On industry line the step of financing method.
16. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program quilt
The step of financing method on the described in any item little Wei enterprise lines of claim 1 to 8 is realized when processor executes.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910699420.6A CN110443694A (en) | 2019-07-31 | 2019-07-31 | Financing method and device on little Wei enterprise line |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910699420.6A CN110443694A (en) | 2019-07-31 | 2019-07-31 | Financing method and device on little Wei enterprise line |
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| CN201910699420.6A Pending CN110443694A (en) | 2019-07-31 | 2019-07-31 | Financing method and device on little Wei enterprise line |
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