CN110458693A - A kind of automatic measures and procedures for the examination and approval of business loan, device, storage medium and electronic equipment - Google Patents
A kind of automatic measures and procedures for the examination and approval of business loan, device, storage medium and electronic equipment Download PDFInfo
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- CN110458693A CN110458693A CN201910730386.4A CN201910730386A CN110458693A CN 110458693 A CN110458693 A CN 110458693A CN 201910730386 A CN201910730386 A CN 201910730386A CN 110458693 A CN110458693 A CN 110458693A
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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
Abstract
The embodiment of the present application discloses a kind of automatic measures and procedures for the examination and approval of business loan, device, storage medium and electronic equipment.This method comprises: determining the initial accrediting amount of Target Enterprise according to the reference information of Target Enterprise；Wherein, reference information includes at least one of average daily deposit, corporate tax, payroll credit and accounts receivable；The verifying reference information for acquiring Target Enterprise, determines the accurate portrait of Target Enterprise；The reference information of Target Enterprise and accurate portrait are examined using the examination & approval rule base of training in advance；If carrying out risk assessment to Target Enterprise using risk evaluation model by examination & approval；If assessment meets preset standard, it is determined that allowance is provided a loan according to the initial accrediting amount.By executing the technical program, the effect offered loans by way of examining automatically for enterprise may be implemented, solve the economic problems in enterprise development, while also having accomplished stringent risk management and control, promote economic stable development.
Description
Technical field
The invention relates to electronic information processing technology field more particularly to a kind of business loan sides of examination & approval automatically
Method, device, storage medium and electronic equipment.
Background technique
With economic rapid emergence, small micro- enterprise development in China is rapid, and quantity increases severely in a short time, while small micro-
An important factor for development of enterprise also becomes the national economic development.Wherein, little Wei enterprise is small business, minuscule-type-enterprise, family
The general designation of the workshop-based enterprise in front yard, self-employed entrepreneur etc..Little Wei enterprise has a substantial amounts, type multiplicity, investment subject and all
The polynary feature of structure processed.
For little Wei enterprise, most scabrous is also most to be related to what whether enterprise can survive, and exactly financing is asked
Topic.Traditional bank credit mode, is more adapted to large and medium-sized enterprise's service, carries out stringent credit project according to related statements
It examines, this mode is difficult to respond the demand for loan of little Wei enterprise.Little Wei enterprise have disparate development, advantage area concentration,
With apparent region cluster characteristics, and it is located at the bottom of the entire ecosystem, it is sensitive fragile, change shadow vulnerable to external environment
It rings, the ability to ward off risks is poor, is typical disadvantaged group.Small micro- business capital characteristics of demand is " short, small, frequency, urgency ", the number of enterprise
It measures huge, stringent credit project is carried out based on financial statement according to traditional mode and is examined, a large amount of little Wei enterprise is more difficult to get access
The basic credit threshold of bank.Banking has the little Wei enterprise of Jin Zhan the administration for industry and commerce, little Wei enterprise registration of credit service at present
10% or so, it is difficult to meet the demand of quickly spending money of little Wei enterprise, and the research cost that bank pays is also excessively high.Little Wei enterprise
Credit extending channel are limited, and it is the problem of real economy that finance costs are high.
To sum up, a kind of financing services for being suitble to small micro- enterprises characteristics how are provided, at influence national economy hair
The major issue of exhibition.
Summary of the invention
The embodiment of the present application provides a kind of automatic measures and procedures for the examination and approval of business loan, device, storage medium and electronic equipment, can be with
It realizes the effect offered loans by way of examining automatically for enterprise, solves the economic problems in enterprise development, while
Accomplish stringent risk management and control, promotes economic stable development.
In a first aspect, the embodiment of the present application provides a kind of automatic measures and procedures for the examination and approval of business loan, this method comprises:
According to the reference information of Target Enterprise, the initial accrediting amount of the Target Enterprise is determined；Wherein, the reference letter
Breath includes at least one of average daily deposit, corporate tax, payroll credit and accounts receivable；
The verifying reference information for acquiring Target Enterprise, determines the accurate portrait of Target Enterprise；Wherein, the verifying is with reference to letter
Breath includes: at least one of administrative penalty, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas and internal control list；
The reference information of the Target Enterprise and accurate portrait are examined using the examination & approval rule base of training in advance；
If carrying out risk assessment to Target Enterprise using risk evaluation model by examination & approval；
If assessment meets preset standard, it is determined that allowance is provided a loan according to the initial accrediting amount.
Further, before determining the initial accrediting amount of the Target Enterprise, the method also includes:
Obtain the reference information of the corporate boss of Target Enterprise；Wherein, the reference information of the corporate boss includes: AUM value, deposits
Measure at least one of housing loan, common reserve fund and clearing flowing water；
Correspondingly, determining the initial accrediting amount of the Target Enterprise according to the reference information of Target Enterprise, comprising:
According to the reference information of Target Enterprise and the reference information of corporate boss, the initial credit of the Target Enterprise is determined
Amount；
Correspondingly, using training in advance examination & approval rule base to the reference information of the Target Enterprise and it is accurate draw a portrait into
Row examination & approval, comprising:
Using the examination & approval rule base of training in advance to the reference information of the corporate boss, the reference information of the Target Enterprise
And precisely portrait is examined.
Further, according to the reference information of Target Enterprise and the reference information of corporate boss, the Target Enterprise is determined
The initial accrediting amount, comprising:
It is daily deposited according to Target Enterprise in preset time period and the AUM value of corporate boss determines the first credit line；
The second credit line is determined according to the storage housing loan of corporate boss；
Third credit line is determined according to the corporate tax of Target Enterprise in preset time period；
The 4th credit line is determined according to the payroll credit of Target Enterprise in preset time period；
The 5th credit line is determined according to the accounts receivable of Target Enterprise；
According to first credit line, the second credit line, third credit line, the 4th credit line and the 5th letter
The initial accrediting amount is determined using preset rules with amount.
Further, according to first credit line, the second credit line, third credit line, the 4th credit line
And the 5th credit line determine the initial accrediting amount using preset rules, comprising:
According to first credit line, the second credit line, third credit line, the 4th credit line and the 5th letter
With the maximum value in amount, the product with default adjustment factor is as the initial accrediting amount.
Further, the reference information using the examination & approval rule base of training in advance to the corporate boss, the Target Enterprise
Reference information and precisely portrait examined, comprising:
It determines the reference information of the corporate boss, the reference information of the Target Enterprise and precisely whether portrait meets just
Begin rule, if so, determination is rejected loans；
If it is not, then using according to the historical data obtained neural network of training to the reference information of the corporate boss, described
The reference information of Target Enterprise and accurate portrait are examined.
Further, risk assessment is carried out to the Target Enterprise using risk evaluation model, comprising:
According to the basic information of Target Enterprise and the basic information of corporate boss, data-driven evaluation index is determined；
According to the reference information of the Target Enterprise and the reference information of corporate boss, expert opinion index is determined；
Credit risk is determined according to the data-driven evaluation index and the expert opinion index.
Further, the result of the data-driven evaluation index includes high sublevel and low segmentation；The expert opinion refers to
Target result includes high risk and low-risk；
Correspondingly, determining credit risk according to the data-driven evaluation index and the expert opinion index, comprising:
If the result of the data-driven evaluation index is low segmentation, and the result of the expert opinion index is high wind
Danger, it is determined that reject loans；
If not, it is determined that permit loan.
Second aspect, the embodiment of the present application provide a kind of business loan and examine device automatically, which includes:
Initial accrediting amount determining module determines the first of the Target Enterprise for the reference information according to Target Enterprise
The beginning accrediting amount；Wherein, the reference information include in average daily deposit, corporate tax, payroll credit and accounts receivable extremely
Few one kind；
Precisely portrait determining module determines the accurate picture of Target Enterprise for acquiring the verifying reference information of Target Enterprise
Picture；Wherein, the verifying reference information include: environmentally friendly administrative penalty, industrial and commercial verifications, judicial decision, customs, water power coal gas and
At least one of internal control list；
Risk evaluation module, for the examination & approval rule base using training in advance to the reference information of the Target Enterprise and
Precisely portrait is examined；If carrying out risk assessment to Target Enterprise using risk evaluation model by examination & approval；
Loan permits module, if meeting preset standard for assessing, it is determined that allowance is borrowed according to the initial accrediting amount
Money.
The third aspect, the embodiment of the present application provide a kind of computer readable storage medium, are stored thereon with computer journey
Sequence realizes the business loan automatic measures and procedures for the examination and approval as described in the embodiment of the present application when the program is executed by processor.
Fourth aspect, the embodiment of the present application provide a kind of electronic equipment, including memory, processor and are stored in storage
It can realize on device and when the computer program of processor operation, the processor execute the computer program as the application is real
Apply the automatic measures and procedures for the examination and approval of business loan described in example.
Technical solution provided by the embodiment of the present application determines the Target Enterprise according to the reference information of Target Enterprise
The initial accrediting amount；Wherein, the reference information includes in average daily deposit, corporate tax, payroll credit and accounts receivable
At least one；The verifying reference information for acquiring Target Enterprise, determines the accurate portrait of Target Enterprise；Wherein, the verifying ginseng
Examining information includes: at least one in administrative penalty, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas and internal control list
Kind；The reference information of the Target Enterprise and accurate portrait are examined using the examination & approval rule base of training in advance；If logical
Examination & approval are crossed, then risk assessment are carried out to Target Enterprise using risk evaluation model；If assessment meets preset standard, it is determined that permit
It provides a loan according to the initial accrediting amount.By using technical solution provided herein, may be implemented by examining automatically
Mode be the effect offered loans of enterprise, solve the economic problems in enterprise development, while also having accomplished stringent risk
Control promotes economic stable development.
Detailed description of the invention
Fig. 1 is the flow chart for the automatic measures and procedures for the examination and approval of business loan that the embodiment of the present application one provides；
Fig. 2 is the automatic examination & approval schematic illustration that the embodiment of the present application two provides；
Fig. 3 is the structural schematic diagram that the business loan that the embodiment of the present application three provides examines device automatically；
Fig. 4 is the structural schematic diagram for a kind of electronic equipment that the embodiment of the present application five provides.
Specific embodiment
The application is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining the application, rather than the restriction to the application.It also should be noted that in order to just
Part relevant to the application is illustrated only in description, attached drawing rather than entire infrastructure.
It should be mentioned that some exemplary embodiments are described as before exemplary embodiment is discussed in greater detail
The processing or method described as flow chart.Although each step is described as the processing of sequence by flow chart, many of these
Step can be implemented concurrently, concomitantly or simultaneously.In addition, the sequence of each step can be rearranged.When its operation
The processing can be terminated when completion, it is also possible to have the additional step being not included in attached drawing.The processing can be with
Corresponding to method, function, regulation, subroutine, subprogram etc..
Embodiment one
Fig. 1 is the flow chart for the automatic measures and procedures for the examination and approval of business loan that the embodiment of the present application one provides, and the present embodiment is suitable for
In examined automatically to business loan the case where, this method can the business loan as provided by the embodiment of the present application examine automatically
It criticizes device to execute, which can be realized by the mode of software and/or hardware, and can be integrated in the electronic equipments such as intelligent terminal
In.
As shown in Figure 1, the automatic measures and procedures for the examination and approval of business loan include:
S110, the reference information according to Target Enterprise, determine the initial accrediting amount of the Target Enterprise；Wherein, described
Reference information includes at least one of average daily deposit, corporate tax, payroll credit and accounts receivable.
Wherein Target Enterprise can be the enterprise of application loan, can be little Wei enterprise, but medium-and-large-sized enterprise is come
It says, loan examination & approval can also be realized using this programme.Wherein the initial accrediting amount can be determines initially according to reference information
The amount of examination & approval, such as can determine that the initial accrediting amount is 2,000,000 yuans according to the reference information of enterprise, then it can be into
And whether norms of lending is met to enterprise's other conditions and is judged, if complying with standard, it can authorize the enterprise 2,000,000 yuan of people
The loan of people's coin.Shortcoming if it exists can be adjusted on the basis of the initial accrediting amount.For example, can be by 2,000,000
Member reduces to 1,000,000 yuan.
In the present embodiment, optionally, the reference information of the corporate boss of Target Enterprise is obtained；Wherein, the corporate boss
Reference information includes: at least one of AUM value, storage housing loan, common reserve fund and clearing flowing water.Correspondingly, being looked forward to according to target
The reference information of industry determines the initial accrediting amount of the Target Enterprise, comprising: according to the reference information of Target Enterprise and enterprise
The reference information of owner determines the initial accrediting amount of the Target Enterprise
Wherein, AUM value is a mark for measuring client to credit agency's contribution degree.AUM includes client in financial institution
Deposit and the enterprises such as various investment products that are bought by financial institution enter assets and personal finance assets.The main packet of investment
Include fund, national debt, insurance and investment and financing products of financial institution's distribution etc..
Client apply small micro- business loan when, first according to the financial asset of little Wei enterprise and corporate boss, clearing flowing water, melt
Money situation, sincerity such as are paid taxes at data and the inside and outside credit situation, establish client's Unified Authority system, it is pre- to carry out amount for client
Credit.Using big data analysis technology, depth excavates little Wei enterprise reference, settles accounts, pays taxes, the data such as industry and commerce and corporate boss's gold
The data such as financing production, security, credit standing, by taking methodological standardization levels of clients amount that is high, being superimposed between group to calculate in group
Mode establishes comprehensive client's Unified Authority system, carries out difference credit to client.
S120, the verifying reference information for acquiring Target Enterprise, determine the accurate portrait of Target Enterprise；Wherein, the verifying
Reference information include: environmentally friendly administrative penalty, industrial and commercial verifications, judicial decision, customs, in water power coal gas and internal control list at least
It is a kind of.
In conjunction with the administrative penalty of little Wei enterprise and corporate boss, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas, interior
The various dimensions information such as list and reference information is controlled, is verified by data cross, realizes that client is accurate using big data analysis technology
Change portrait.By checking administrative penalty, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas, internal control list, enterprise's reference
It with the various dimensions information such as corporate boss individual's reference, is verified by data cross, effectively solves Asymmetry information between bank and client
The problem of title, can exclude ineligible client early, reduce credit risk and examination & approval cost.
S130, the reference information of the Target Enterprise and accurate portrait are carried out using the examination & approval rule base of training in advance
Examination & approval；If carrying out risk assessment to Target Enterprise using risk evaluation model by examination & approval.
In the present embodiment, optionally, the reference information of the corporate boss of Target Enterprise is obtained；Wherein, the corporate boss
Reference information includes: at least one of AUM value, storage housing loan, common reserve fund and clearing flowing water；Correspondingly, utilizing instruction in advance
Experienced examination & approval rule base examines the reference information of the Target Enterprise and accurate portrait, comprising: utilizes training in advance
Examination & approval rule base to the reference information of the corporate boss, the reference information of the Target Enterprise and precisely portrait examine
Batch.
According to examination & approval rule base loan application is examined, the evaluation result of ultimate risk evaluation model decide whether by
Manage loan application.In addition, nerual network technique is utilized to examination & approval rule base, according to the historical data pair of small micro- business loan examination & approval
Rule base carries out knowledge refining, improves the accuracy rate of examination & approval rule；Using in detecting early warning mechanism after loan for dangerous client and being included in
Control name menu manager.
Nerual network technique refers to artificial neural network.It is a kind of operational model, by phase between a large amount of neuron
It is mutually coupled with composition.Each neuron represents a kind of specific output function, referred to as excitation function.The interneuronal connection of every two
A weighted value for passing through the connection signal, referred to as weight are all represented, this is equivalent to the memory of artificial neural network.Net
The output of network then according to the connection type of network, the difference of weighted value and excitation function and it is different.And network itself is usually all pair
Certain algorithm of nature or function approach, it is also possible to the expression to a kind of logic strategy.
Public and private joint-action mechanism refers to realizing public and private linkage by channel and security sharing mode, integrates corporate boss and infinitely believe
With the limited credit with enterprise, hypothecated assets and accredited credit source can be supported to enterprise and corporate boss by expanding, and reduce little Wei enterprise
Finance costs and risk.
Risk evaluation model refers to credit risk assessment model, is a kind of typical credit rating means.Risk assessment
Model is by the application materials of client, people's row reference, industry and commerce and the relevant informations such as pay taxes, according to the warp of analysis of calculation models client
Battalion's situation, contractual capacity, Behavior preference and risk information carry out effective access and evaluation to client automatically, according to evaluation result
Decision passes through or refuses the loan application of client, or the loan application of client is turned to examine under line.
If S140, assessment meet preset standard, it is determined that allowance is provided a loan according to the initial accrediting amount.
If risk assessment complies with standard, it is determined that allowance is provided a loan according to the initial accrediting amount.And it can be reserved
The program of loan.Its enterprise's main application of small micro- business licenses loan signs a contract and draws loan, and loaning bill main body is small micro- enterprise
Industry, corporate boss are that small micro- business loan undertakes personal joint liability guarantee, are realized by channel and security sharing mode public and private
It is dynamic, the limited credit of the unlimited credit of corporate boss and enterprise is integrated, expands to enterprise and corporate boss can support hypothecated assets and credit be awarded
Believe source, risk is reduced while providing higher line of credit for top-tier customer.
In the present embodiment, optionally, according to the reference information of Target Enterprise and the reference information of corporate boss, institute is determined
State the initial accrediting amount of Target Enterprise, comprising: daily deposit according to Target Enterprise in preset time period and the AUM of corporate boss
It is worth and determines the first credit line；The second credit line is determined according to the storage housing loan of corporate boss；According to target in preset time period
The corporate tax of enterprise determines third credit line；The 4th credit is determined according to the payroll credit of Target Enterprise in preset time period
Amount；The 5th credit line is determined according to the accounts receivable of Target Enterprise；According to first credit line, the second line of credit
Degree, third credit line, the 4th credit line and the 5th credit line determine the initial accrediting amount using preset rules.Its
In, it is comprehensive using the average daily balance of deposits of nearly M month enterprise of little Wei enterprise and the corporate boss nearly N number of month monthly AUM value of individual as radix
Consideration enterprise daily deposits and the stability and Long-term change trend situation of individual's AUM value, provides AUM value credit line A.With corporate boss
Storage housing loan collateral value be radix, comprehensively consider mortgage rate coefficient, house property value-added coefficient, city adjustment factor and storage
Housing loan remaining sum etc. provides client's storage housing loan credit line B.Using the nearly N month national tax of little Wei enterprise and the total value of paying taxes of land tax as base
Number comprehensively considers the time of paying taxes, should pay taxes kind, the information such as the deduction and exemption tax category, the deduction and exemption amount of tax to be paid, taxpaying credit grade, provides client enterprise
Industry taxpaying credit amount C.Using little Wei enterprise, only N number of month payroll credit or payment on behalf common reserve fund comprehensively consider Dai Fagong as radix
Money issue, payroll credit stroke count, common reserve fund pays ratio, common reserve fund pays issue, provides Client Enterprise payroll credit amount D.
Using little Wei enterprise access core enterprise accounts receivable as radix, comprehensively consider core enterprise's credit grade, risk mitigation
Measure, upstream and downstream supplier, core enterprise the information such as order flowing water, provide Client Enterprise accounts receivable amount E.It can use
Preset rules, which carry out operation to A, B, C, D and E, illustratively can be accumulating operation etc., obtain the initial accrediting amount.
In the present embodiment, optionally, according to first credit line, the second credit line, third credit line,
Four credit lines and the 5th credit line use preset rules to determine the initial accrediting amount, comprising: according to first credit
Maximum value in amount, the second credit line, third credit line, the 4th credit line and the 5th credit line, and it is default
The product of adjustment factor is as the initial accrediting amount.
Wherein, comprehensive merger, final output amount are carried out to above-mentioned A-E three classes amount are as follows:
Credit line=Max (A, B, C, D, E) * adjustment factor.
Adjustment factor is suitably to increase amount when there are multiple indexs.When there are the credit lines of 3 and the above dimension
When, then adjustment factor is 1.2；There are when the credit line of 2 dimensions, then adjustment factor is 1.1；Only deposit the credit of 1 dimension
Amount, then adjustment factor is 1.0.
In the present embodiment, optionally, the reference information using the examination & approval rule base of training in advance to the corporate boss, institute
It states the reference information of Target Enterprise and precisely portrait is examined, comprising: determine the reference information of the corporate boss, the mesh
It marks the reference information of enterprise and precisely whether portrait meets initial rules, if so, determination is rejected loans；If it is not, then using basis
The neural network that historical data training obtains is to the reference information of the corporate boss, the reference information of the Target Enterprise and essence
Quasi- portrait is examined.Wherein it is possible to be acquired and learn to historical data in the way of machine learning, obtain opposite
More accurate and objective neural network, and then to the reference information of corporate boss, the reference information of Target Enterprise and accurate picture
As being examined, the benefit being arranged in this way is the accuracy that can be improved in automatic approval process.
In the present embodiment, optionally, risk assessment is carried out to the Target Enterprise using risk evaluation model, comprising:
According to the basic information of Target Enterprise and the basic information of corporate boss, data-driven evaluation index is determined；According to the target
The reference information of enterprise and the reference information of corporate boss, determine expert opinion index；According to the data-driven evaluation index
Credit risk is determined with the expert opinion index.Wherein it is possible to according to data-driven evaluation index and expert opinion index, two
Whether a dimension determines the risk problem of the loan, may be implemented before loan to permitting loan and carry out more accurate wind
Danger assessment, to improve the safety of loan.
In the present embodiment, optionally, the result of the data-driven evaluation index includes high sublevel and low segmentation；It is described
The result of expert opinion index includes high risk and low-risk；Correspondingly, according to the data-driven evaluation index and it is described specially
Family's evaluation index determines credit risk, comprising: if the result of the data-driven evaluation index is low segmentation, and the expert comments
The result of valence index is high risk, it is determined that is rejected loans；If not, it is determined that permit loan.Wherein it is possible to be low wind by evaluation index
Danger or in the case where high sublevel, to be determined as permitting loan, and evaluation index is all determined as that there are high risks, and is low segmentation
In the case where, refusal loan.In this way setting can either loan on guarantee safety, and the growth requirement of little Wei enterprise can be met,
It can smoothly provide a loan in the case where its is eligible.
Technical solution provided by the embodiment of the present application determines the Target Enterprise according to the reference information of Target Enterprise
The initial accrediting amount；Wherein, the reference information includes in average daily deposit, corporate tax, payroll credit and accounts receivable
At least one；The verifying reference information for acquiring Target Enterprise, determines the accurate portrait of Target Enterprise；Wherein, the verifying ginseng
Examining information includes: at least one in administrative penalty, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas and internal control list
Kind；The reference information of the Target Enterprise and accurate portrait are examined using the examination & approval rule base of training in advance；If logical
Examination & approval are crossed, then risk assessment are carried out to Target Enterprise using risk evaluation model；If assessment meets preset standard, it is determined that permit
It provides a loan according to the initial accrediting amount.By using technical solution provided herein, may be implemented by examining automatically
Mode be the effect offered loans of enterprise, solve the economic problems in enterprise development, while also having accomplished stringent risk
Control promotes economic stable development.
Embodiment two
In order to allow those skilled in the art more accurately to understand technical solution provided herein, the application is also
Provide a kind of preferred embodiment.
Fig. 2 is the automatic examination & approval schematic illustration that the embodiment of the present application two provides.As shown in Fig. 2, small micro- business loan is certainly
The working principle of the dynamic measures and procedures for the examination and approval is as follows: when client applies for small micro- business loan, first according to little Wei enterprise and the gold of corporate boss
Financing produces, settles accounts data and the inside and outside credit situations such as flowing water, financing situation, establishes client's Unified Authority system, is client
Carry out the pre- credit of amount.Then using the administrative penalty of little Wei enterprise and corporate boss, industrial and commercial verifications, judicial decision, customs it is environmentally friendly,
The multi-dimensional datas such as water power coal gas, internal control list carry out cross validation to customer data, realize client's precision portrait.Herein
On the basis of combine client's reference information, according to examination & approval rule base loan application is examined, finally by risk evaluation model
Evaluation result decides whether to accept loan application.In addition, utilizing nerual network technique to examination & approval rule base, borrowed according to little Wei enterprise
The historical data of money examination & approval carries out knowledge refining to rule base, improves the accuracy rate of examination & approval rule；Using detecting early warning plane after loan
Dangerous client is included in internal control name menu manager by system.
Wherein credit module has made more detailed elaboration in above content, and details are not described herein again.
Cross validation and precisely portrait module, for after carrying out the pre- credit of amount to little Wei enterprise, client can be with Shen
It please be no more than the amount of the loan of the pre- accrediting amount.After client proposes loan application, first with the administrative penalty of client, industry and commerce
The various dimensions information such as verification, judicial decision, customs's environmental protection, water power coal gas and internal control list, are verified by data cross, check visitor
Name in an account book claims, industrial and commercial business license, Enterprise Business Management State, business income, closes down and the information such as freezes, and solves to believe between bank and client
Cease asymmetric problem, realize that client accurately draws a portrait, exclude ineligible client early, reduce credit risk and examination & approval at
This.Little Wei enterprise and corporate boss are reexamined whether in internal control list, artificial discovery under risk warning model or line is deposited
In the client of potential risk, internal control list need to be included in and carry out corresponding operating.Internal control list data format is as follows:
The small automatic measures and procedures for the examination and approval of micro- business loan are all needed when client proposes loan application and draws loan by client identity
Three elements are matched with internal control list, client are such as found in internal control list, and according to client's access suggestion in internal control list
Judgement directly shows that the page of rejecting loans, payment report an error or automatic flow is in next step.For the internal control list imported by hand, import
Personnel should should write the reason of client is included in internal control list exactly on " import reason " column, in case reject loans the official communication of client to this part in the future
Answer is carried out in inquiry.
Regular library module is examined, for the loan application in client by cross validation with after precisely portrait, utilization is existing
Examination & approval rule decide whether to accept loan.When the small micro- business loan of enterprise's main application, the approving authority that need to agree to provide a loan is extracted
Its Ren Hang enterprise reference and personal reference information.If the overdue record of corporate boss's personal loan, corporate boss's personal loan classification grade,
Corporate boss's credit card and quasi- credit card it is overdue record, enterprise be settled debt risk record, enterprise do not close debt risk record,
Enterprise's co-operative credit business bank quantity, enterprise he manage it credit operation total value, meet any one rule of rejecting loans, then directly refuse
It borrows.All standards are each configured to parameter in rule of rejecting loans, and can be moved according to indexs such as the fraction defectives of small micro- business loan
State adjustment.
In general, credit agency can establish initial examination & approval rule base.It is incomplete that initial rules library is usually present knowledge
Or the problems such as inconsistent, it is difficult to which the variation for adapting to practical credit environment needs to modify to it according to practical credit environment.It is small
The initial rules library of micro- business loan examination & approval is as follows:
| Number | Initial rules |
| 1 | If corporate boss's age is greater than 60 years old, reject loans |
| 2 | If corporate boss's age less than 18 years old, rejects loans |
| 3 | If the non-Chinese nationality of corporate boss, rejects loans |
| 4 | If applying, the payback period is greater than 12 months, rejects loans |
| 5 | If applying, the payback period less than 1 month, rejects loans |
| 6 | If applying, the amount of the loan less than 10,000 yuan, is rejected loans |
| 7 | If applying, the amount of the loan is greater than 2,000,000 yuan, rejects loans |
| 8 | The affiliated industry of little Wei enterprise is forbidding industry, rejects loans |
| 9 | Little Wei enterprise and corporate boss's long-distance authorizing, reject loans |
| 10 | Small micro- enterprise practical control people is inconsistent with corporate boss, rejects loans |
| 11 | Small micro- scope of the enterprise does not meet admittable regulation, rejects loans |
Knowledge refining is carried out to it using small micro- business loan history examination & approval data.History examines data, and only there are two types of knots
By: agree to loan and disagrees loan.Refinement is carried out to it using loan history overdue data simultaneously, by examining for overdue loan
Batch conclusion, which is set to, disagrees loan, and the examination & approval conclusion for the loan normally refunded is set to agreement and provides a loan.To Shen in history examination & approval data
Please person's information and loan application conclusion carry out encoding respectively it is as follows:
| Number | Data item title | Data encoding |
| 1 | Working condition | 0 unemployment 1 is not unemployed |
| 2 | Gender | 0 women, 1 male |
| 3 | Marital status | 0 unmarried 1 is married |
| 4 | Applicant's age | 0<18 1>60 2>=18&≤60 |
| 5 | Applicant's length of service | 0<31>10 2>=3&≤10 |
| 6 | Whether problem provinces and cities are in | 0 no 1 is |
| 7 | Applicant's fund account remaining sum | 0<10,000 1>=10000 |
| 8 | Apply for the payback period | 0<12 1>=12 |
| 9 | Loan examination & approval conclusion | 0 refusal 1 passes through |
| … | … | … |
According to the coding situation of Rule Information and training data in initial rules library, an initial nerve net is obtained
Network.The structure of neural network is adjusted using history loan examination & approval data, when neural network can be by all training datas
After correct classification, that is, reach expected training effect.Then beta pruning is carried out to network structure using pruning algorithms, removes and does not weigh
The connection wanted or node, to simplify the structure of neural network.Finally using Subset II algorithm from the neural network after trimming
Extract new examination & approval rule.Refinement can simplify rule base, reduce the complexity of rule, while can also be improved rule base
Reasoning accuracy rate.It can be examined according to recent personal loan using new examination & approval rule and be adjusted in time with refund data,
Effectively raise the accuracy of small micro- business loan examination & approval.
Risk evaluation model utilizes the incoming small enterprise's application materials of system, corporate boss's proof of identification data, people's row reference
Information, credit card Behavior preference, industrial and commercial information and data of paying taxes relevant information, manage shape according to analysis of calculation models client
Condition, contractual capacity, Behavior preference and risk information, client is evaluated automatically (approval application client, refuse an application client and
Artificial examination & approval client), while exporting each score and system recommendations result for participating in evaluation client.
Risk evaluation model is divided into data-driven model evaluation and expert adjusts variable evaluation.Data-driven model evaluation is pressed
It is divided into " high sublevel ", " low segmentation " according to the score value rule of little Wei enterprise；Expert adjusts variable evaluation and is divided into " height according to score height
Risk ", " low-risk ".
1. data-driven evaluation index
Data-driven model evaluation is the small enterprise's application materials being passed to using system, corporate boss's proof of identification data, root
Score is calculated according to evaluation index and corresponding score value.Data-driven evaluation index is as follows:
2. expert opinion index
Expert adjust variable evaluation be using people's row reference information of little Wei enterprise and corporate boss, credit card Behavior preference,
The relevant information of industrial and commercial information and data of paying taxes calculates score according to evaluation index and corresponding score value.Expert opinion index is such as
Following table:
The evaluation result that data-driven model is evaluated is divided into two sections: high sublevel and low point according to calculation formula
Section；The evaluation result that expert adjusts variable evaluation is also divided into two sections: high risk and low-risk.System is according to every Shen
Please client evaluation score, judge that customer risk evaluates locating section according to data-driven index and expert's index respectively, and press
It is corresponding that bivariate table is carried out according to following table, is divided into two kinds of " it is recommended that passing through " and " suggesting refusing automatically ".
It is located at different evaluation intervals according to evaluation result, the loan application of client is done respectively and directly passes through and directly refuses
Exhausted processing.Signing is transferred to for the loan application directly passed through to make loans module, for the loan application refusal directly rejected loans by
The loan application of client is turned to examine under line by reason loan.
Technical solution provided by the present invention, for small micro- number of the enterprise, huge, credit requirement has " short, small, frequency, urgency "
Feature, the feature of little Wei enterprise and corporate boss's data rich carry out data mining to small micro- business loan application, provide a set of visitor
The small micro- automatic measures and procedures for the examination and approval of loan seen, reduce the threshold that little Wei enterprise enters the basic credit of bank, avoid examining customer manager
The experience of criticizing is depended on unduly with personal quality, and the risk and cost of examination & approval is effectively reduced.Examination & approval mode on all fronts can be timely
Loan application life cycle is shortened in the demand for loan of customer in response, is truly realized and allows " data run away more, and client runs errands less ",
Effectively improve customer experience and service level.Comprehensively consider the financial asset, clearing flowing water, financing feelings of little Wei enterprise and corporate boss
The data such as condition and inside and outside credit situation, are calculated by data model, comprehensive client's Unified Authority system are established, to client
Carry out difference credit.Public and private linkage is realized by channel and security sharing mode, integrates the unlimited credit of corporate boss and enterprise
Limited credit, hypothecated assets and accredited credit source can be supported to enterprise and corporate boss by expanding, and provide higher letter for top-tier customer
Risk is reduced while borrowing amount.Using the administrative penalty of client, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas,
The various dimensions information such as internal control list, enterprise's reference and corporate boss individual's reference, are verified by data cross, effectively solve bank with
Between client the problem of information asymmetry, ineligible client can be excluded early, reduce credit risk and examination & approval cost.
Using the loan application of small micro- business loan examination & approval rule base examination & approval client, and nerual network technique is used, according to little Wei enterprise
The historical data examined of providing a loan carries out knowledge refining to rule base, can effectively improve the accuracy rate of examination & approval rule.
By using above scheme, following effect may be implemented:
(1) comprehensively consider little Wei enterprise reference, settle accounts, pay taxes, the data such as industry and commerce and corporate boss's financial asset, security,
The data such as credit standing are established comprehensive by taking methodological standardization levels of clients amount calculation that is high, being superimposed between group in group
Client's Unified Authority system, to client carry out difference credit.
(2) using the loan application of small micro- business loan examination & approval rule base examination & approval client, and nerual network technique, root are used
Knowledge refining is carried out to rule base according to the historical data of small micro- business loan examination & approval, can effectively improve the accurate of examination & approval rule
Rate.
(3) by risk evaluation model according to client's application materials, people's row reference information, industrial and commercial information and data of paying taxes etc.
Information solves customer evaluation according to the management state of analysis of calculation models client, contractual capacity, Behavior preference and risk information
Difficult problem realizes the loan Shen for determining to pass through or refuse client according to evaluation result to the effective access of client and automatic Evaluation
Please, or by the loan application of client turn to examine under line.
(4) public and private linkage is realized by channel and security sharing mode, integrates the limited of the unlimited credit of corporate boss and enterprise
Credit, hypothecated assets and accredited credit source can be supported to enterprise and corporate boss by expanding, and provide higher line of credit for top-tier customer
Risk is reduced while spending.
Embodiment three
Fig. 3 is the structural schematic diagram that the business loan that the embodiment of the present application three provides examines device automatically.As shown in figure 3,
The business loan examines device automatically, comprising:
Initial accrediting amount determining module 310, for the reference information according to Target Enterprise, determines the Target Enterprise
The initial accrediting amount；Wherein, the reference information includes in average daily deposit, corporate tax, payroll credit and accounts receivable
It is at least one；
Precisely portrait determining module 320 determines the accurate of Target Enterprise for acquiring the verifying reference information of Target Enterprise
Portrait；Wherein, the verifying reference information include: administrative penalty, industrial and commercial verifications, judicial decision, customs be environmentally friendly, water power coal gas with
And at least one of internal control list；
Risk evaluation module 330, for the examination & approval rule base using training in advance to the reference information of the Target Enterprise
And precisely portrait is examined；If carrying out risk assessment to Target Enterprise using risk evaluation model by examination & approval；
Loan permits module 340, if meeting preset standard for assessing, it is determined that permits carrying out according to the initial accrediting amount
Loan.
Technical solution provided by the embodiment of the present application determines the Target Enterprise according to the reference information of Target Enterprise
The initial accrediting amount；Wherein, the reference information includes in average daily deposit, corporate tax, payroll credit and accounts receivable
At least one；The verifying reference information for acquiring Target Enterprise, determines the accurate portrait of Target Enterprise；Wherein, the verifying ginseng
Examining information includes: at least one in administrative penalty, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas and internal control list
Kind；The reference information of the Target Enterprise and accurate portrait are examined using the examination & approval rule base of training in advance；If logical
Examination & approval are crossed, then risk assessment are carried out to Target Enterprise using risk evaluation model；If assessment meets preset standard, it is determined that permit
It provides a loan according to the initial accrediting amount.By using technical solution provided herein, may be implemented by examining automatically
Mode be the effect offered loans of enterprise, solve the economic problems in enterprise development, while also having accomplished stringent risk
Control promotes economic stable development.
Method provided by the application any embodiment can be performed in the said goods, has the corresponding functional module of execution method
And beneficial effect.
Example IV
The embodiment of the present application also provides a kind of storage medium comprising computer executable instructions, and the computer is executable
Instruction is used to execute a kind of automatic measures and procedures for the examination and approval of business loan when being executed by computer processor, this method comprises:
According to the reference information of Target Enterprise, the initial accrediting amount of the Target Enterprise is determined；Wherein, the reference letter
Breath includes at least one of average daily deposit, corporate tax, payroll credit and accounts receivable；
The verifying reference information for acquiring Target Enterprise, determines the accurate portrait of Target Enterprise；Wherein, the verifying is with reference to letter
Breath includes: at least one of administrative penalty, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas and internal control list；
The reference information of the Target Enterprise and accurate portrait are examined using the examination & approval rule base of training in advance；
If carrying out risk assessment to Target Enterprise using risk evaluation model by examination & approval；
If assessment meets preset standard, it is determined that allowance is provided a loan according to the initial accrediting amount.
Storage medium --- any various types of memory devices or storage equipment.Term " storage medium " is intended to wrap
It includes: install medium, such as CD-ROM, floppy disk or magnetic tape equipment；Computer system memory or random access memory, such as
DRAM, DDR RAM, SRAM, EDO RAM, Lan Basi (Rambus) RAM etc.；Nonvolatile memory, such as flash memory, magnetic medium
(such as hard disk or optical storage)；Register or the memory component of other similar types etc..Storage medium can further include other
Memory of type or combinations thereof.In addition, storage medium can be located at program in the computer system being wherein performed, or
It can be located in different second computer systems, second computer system is connected to computer by network (such as internet)
System.Second computer system can provide program instruction to computer for executing.Term " storage medium " may include can
To reside in different location two or more storage mediums of (such as in the different computer systems by network connection).
Storage medium can store the program instruction (such as being implemented as computer program) that can be performed by one or more processors.
Certainly, a kind of storage medium comprising computer executable instructions, computer provided by the embodiment of the present application
The automatic review operation of the business loan that executable instruction is not limited to the described above can also be performed the application any embodiment and be mentioned
Relevant operation in the automatic measures and procedures for the examination and approval of the business loan of confession.
Embodiment five
The embodiment of the present application provides a kind of electronic equipment, and enterprise provided by the embodiments of the present application can be integrated in the electronic equipment
The automatic examination & approval device of industry loan.Fig. 4 is the structural schematic diagram for a kind of electronic equipment that the embodiment of the present application five provides.Such as Fig. 4 institute
Show, present embodiments provide a kind of electronic equipment 400 comprising: one or more processors 420；Storage device 410, is used for
One or more programs are stored, when one or more of programs are executed by one or more of processors 420, so that described
One or more processors 420 realize the automatic measures and procedures for the examination and approval of business loan provided by the embodiment of the present application, this method comprises:
According to the reference information of Target Enterprise, the initial accrediting amount of the Target Enterprise is determined；Wherein, the reference letter
Breath includes at least one of average daily deposit, corporate tax, payroll credit and accounts receivable；
The verifying reference information for acquiring Target Enterprise, determines the accurate portrait of Target Enterprise；Wherein, the verifying is with reference to letter
Breath includes: at least one of administrative penalty, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas and internal control list；
The reference information of the Target Enterprise and accurate portrait are examined using the examination & approval rule base of training in advance；
If carrying out risk assessment to Target Enterprise using risk evaluation model by examination & approval；
If assessment meets preset standard, it is determined that allowance is provided a loan according to the initial accrediting amount.
Certainly, it will be understood by those skilled in the art that processor 420 can also realize that the application any embodiment is provided
The automatic measures and procedures for the examination and approval of business loan technical solution.
The electronic equipment 400 that Fig. 4 is shown is only an example, should not function and use scope to the embodiment of the present application
Bring any restrictions.
As shown in figure 4, the electronic equipment 400 includes processor 420, storage device 410, input unit 430 and output dress
Set 440；The quantity of processor 420 can be one or more in electronic equipment, in Fig. 4 by taking a processor 420 as an example；Electronics
Processor 420, storage device 410, input unit 430 and output device 440 in equipment can pass through bus or other modes
It connects, in Fig. 4 for being connected by bus 450.
Storage device 410 is used as a kind of computer readable storage medium, and it is executable to can be used for storing software program, computer
Program and modular unit, such as the corresponding program instruction of the automatic measures and procedures for the examination and approval of business loan in the embodiment of the present application.
Storage device 410 can mainly include storing program area and storage data area, wherein storing program area can store operation
Application program needed for system, at least one function；Storage data area, which can be stored, uses created data etc. according to terminal.
In addition, storage device 410 may include high-speed random access memory, it can also include nonvolatile memory, for example, at least
One disk memory, flush memory device or other non-volatile solid state memory parts.In some instances, storage device 410
It can further comprise the memory remotely located relative to processor 420, these remote memories can pass through network connection.On
The example for stating network includes but is not limited to internet, intranet, local area network, mobile radio communication and combinations thereof.
Input unit 430 can be used for receiving number, character information or the voice messaging of input, and generation and electronic equipment
User setting and function control related key signals input.Output device 440 may include the equipment such as display screen, loudspeaker.
Electronic equipment provided by the embodiments of the present application may be implemented to be what enterprise offered loans by way of examining automatically
Effect solves the economic problems in enterprise development, while also having accomplished stringent risk management and control, promotes economic stablizing and sends out
Exhibition.
The business loan provided in above-described embodiment examines device, storage medium and electronic equipment automatically can be performed the application
The automatic measures and procedures for the examination and approval of business loan provided by any embodiment have and execute the corresponding functional module of this method and beneficial to effect
Fruit.The not technical detail of detailed description in the above-described embodiments, reference can be made to business loan provided by the application any embodiment
The automatic measures and procedures for the examination and approval.
Note that above are only the preferred embodiment and institute's application technology principle of the application.It will be appreciated by those skilled in the art that
The application is not limited to specific embodiment described here, be able to carry out for a person skilled in the art it is various it is apparent variation,
The protection scope readjusted and substituted without departing from the application.Therefore, although being carried out by above embodiments to the application
It is described in further detail, but the application is not limited only to above embodiments, in the case where not departing from the application design, also
It may include more other equivalent embodiments, and scope of the present application is determined by the scope of the appended claims.
Claims (10)
1. a kind of automatic measures and procedures for the examination and approval of business loan characterized by comprising
According to the reference information of Target Enterprise, the initial accrediting amount of the Target Enterprise is determined；Wherein, the reference packet
Include at least one of average daily deposit, corporate tax, payroll credit and accounts receivable；
The verifying reference information for acquiring Target Enterprise, determines the accurate portrait of Target Enterprise；Wherein, the verifying reference information packet
It includes: at least one of administrative penalty, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas and internal control list；
The reference information of the Target Enterprise and accurate portrait are examined using the examination & approval rule base of training in advance；If logical
Examination & approval are crossed, then risk assessment are carried out to Target Enterprise using risk evaluation model；
If assessment meets preset standard, it is determined that allowance is provided a loan according to the initial accrediting amount.
2. the method according to claim 1, wherein the initial accrediting amount for determining the Target Enterprise it
Before, the method also includes:
Obtain the reference information of the corporate boss of Target Enterprise；Wherein, the reference information of the corporate boss includes: AUM value, stock buildings
At least one of loan, common reserve fund and clearing flowing water；
Correspondingly, determining the initial accrediting amount of the Target Enterprise according to the reference information of Target Enterprise, comprising:
According to the reference information of Target Enterprise and the reference information of corporate boss, the initial credit volume of the Target Enterprise is determined
Degree；
Correspondingly, the examination & approval rule base using training in advance examines the reference information of the Target Enterprise and accurate portrait
Batch, comprising:
Using in advance training examination & approval rule base to the reference information of the corporate boss, the reference information of the Target Enterprise and
Precisely portrait is examined.
3. according to the method described in claim 2, it is characterized in that, according to the reference information of Target Enterprise and the sign of corporate boss
Letter information determines the initial accrediting amount of the Target Enterprise, comprising:
It is daily deposited according to Target Enterprise in preset time period and the AUM value of corporate boss determines the first credit line；
The second credit line is determined according to the storage housing loan of corporate boss；
Third credit line is determined according to the corporate tax of Target Enterprise in preset time period；
The 4th credit line is determined according to the payroll credit of Target Enterprise in preset time period；
The 5th credit line is determined according to the accounts receivable of Target Enterprise；
According to first credit line, the second credit line, third credit line, the 4th credit line and the 5th line of credit
Degree determines the initial accrediting amount using preset rules.
4. according to the method described in claim 3, it is characterized in that, according to first credit line, the second credit line,
Three credit lines, the 4th credit line and the 5th credit line determine the initial accrediting amount using preset rules, comprising:
According to first credit line, the second credit line, third credit line, the 4th credit line and the 5th line of credit
Maximum value in degree, the product with default adjustment factor is as the initial accrediting amount.
5. according to the method described in claim 2, it is characterized in that, using examination & approval rule base trained in advance to the corporate boss
Reference information, the reference information of the Target Enterprise and precisely portrait examined, comprising:
It determines the reference information of the corporate boss, the reference information of the Target Enterprise and precisely whether portrait meets initial rule
Then, if so, determination is rejected loans；
If it is not, then training reference information, the target of the obtained neural network to the corporate boss using according to historical data
The reference information of enterprise and accurate portrait are examined.
6. the method according to claim 1, wherein carrying out wind to the Target Enterprise using risk evaluation model
Danger assessment, comprising:
According to the basic information of Target Enterprise and the basic information of corporate boss, data-driven evaluation index is determined；
According to the reference information of the Target Enterprise and the reference information of corporate boss, expert opinion index is determined；
Credit risk is determined according to the data-driven evaluation index and the expert opinion index.
7. according to the method described in claim 6, it is characterized in that, the result of the data-driven evaluation index includes high sublevel
With low segmentation；The result of the expert opinion index includes high risk and low-risk；
Correspondingly, determining credit risk according to the data-driven evaluation index and the expert opinion index, comprising:
If the result of the data-driven evaluation index is low segmentation, and the result of the expert opinion index is high risk, then
Determination is rejected loans；
If not, it is determined that permit loan.
8. a kind of business loan examines device automatically characterized by comprising
Initial accrediting amount determining module determines initially awarding for the Target Enterprise for the reference information according to Target Enterprise
Believe amount；Wherein, the reference information includes at least one in average daily deposit, corporate tax, payroll credit and accounts receivable
Kind；
Precisely portrait determining module determines the accurate portrait of Target Enterprise for acquiring the verifying reference information of Target Enterprise；Its
In, the verifying reference information includes: administrative penalty, industrial and commercial verification, judicial decision, customs's environmental protection, water power coal gas and internal control
At least one of list；
Risk evaluation module, for the examination & approval rule base using training in advance to the reference information of the Target Enterprise and precisely
Portrait is examined；If carrying out risk assessment to Target Enterprise using risk evaluation model by examination & approval；
Loan permits module, if meeting preset standard for assessing, it is determined that allowance is provided a loan according to the initial accrediting amount.
9. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the program is held by processor
Such as the business loan of any of claims 1-7 automatic measures and procedures for the examination and approval are realized when row.
10. a kind of electronic equipment, including memory, processor and storage are on a memory and can be in the computer of processor operation
Program, which is characterized in that the processor is realized when executing the computer program as of any of claims 1-7
The automatic measures and procedures for the examination and approval of business loan.
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