CN111199389A - Entrepreneurship guarantee loan online system based on government affair big data - Google Patents

Entrepreneurship guarantee loan online system based on government affair big data Download PDF

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CN111199389A
CN111199389A CN201911380660.6A CN201911380660A CN111199389A CN 111199389 A CN111199389 A CN 111199389A CN 201911380660 A CN201911380660 A CN 201911380660A CN 111199389 A CN111199389 A CN 111199389A
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沈超锋
陈勇
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Anhui Kexun Jinfu Technology Co Ltd
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Anhui Kexun Jinfu Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/01Customer relationship services
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

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Abstract

The invention discloses an entrepreneurial guarantee online system based on government affair big data, and particularly relates to the technical field of online systems. The invention can process the application on line from the application to the approval, the signing, the loan, the mortgage and the guarantee, reduces the application process and the application cost, rapidly screens the application conditions of the applicant and the enterprise by using government affair data, filters out the users which do not accord with the application conditions and informs the reasons of the users, reduces the workload of auditors of the human and social offices, and improves the speed and the quality of business processing.

Description

Entrepreneurship guarantee loan online system based on government affair big data
Technical Field
The invention relates to the technical field of online systems, in particular to an entrepreneurship guarantee loan online system based on government affair big data.
Background
The entrepreneurship guarantee loan is a loan service for the government to encourage and support the lower-duty unemployer and college students to wait for the employment group to carry out the job and create the independently, the government finance department provides interest, entrusts a guarantee institution to provide loan guarantee, and a commercial bank issues loans to solve the problem that the mobile funds of the entrepreneur are insufficient in the operation process.
The business handling mode under the current traditional line provides too much and tedious data, and needs to submit application materials including original documents and copy materials such as business licenses, employment entrepreneurship certificates, marriage certificates and account books to streets and township undertaking units where entrepreneurship projects are located, for example, small and micro enterprises need to provide paper materials such as employee rosters, labor contracts signed with newly recruited employees, social security payment records and enterprise wage payment certificates. The handling process and the handling period are too long and high in cost, the people and the security companies and the banks need to go back and forth for many times to carry out data submission, qualification verification and the like, the process is complicated, the whole process is expected to take about 30 days after the completion of the handling, and the application cost is high.
In the current era of rapid artificial intelligence, internet and big data development, the traditional backward business application and handling mode is definitely eliminated by the era. From the development trend of the times, a simpler, more convenient, more intelligent, more efficient and safer internet application mode can be received by people. From the view of the entrepreneur who applies for loan, the entrepreneur can utilize the mobile phone Internet to initiate application, sign a contract, use credit and repayment on line to realize on-line operation, reduce the time cost of preparation, provision and manual participation of data of the applicant and effectively improve the application experience.
Disclosure of Invention
In order to overcome the above defects of the prior art, the embodiment of the invention provides an entrepreneurial guarantee loan online system based on government affairs big data.
In order to achieve the purpose, the invention provides the following technical scheme: an entrepreneurial guarantee lending online system based on government affair big data comprises a mobile application end, a business approval end and a bank credit end, wherein the mobile application end comprises a registration and login module, an authorization application module, a face recognition module, a data confirmation module, a guarantee mode selection module and an approval progress module, the business approval end comprises an application data generation module, a government affair data screening module, a guarantee display module, a bank approval module and a post-loan early warning module, and the bank credit end comprises an online signing module and an online payment module;
the system comprises a registration login module, an authorization application module, a data acquisition module and a data acquisition module, wherein the registration login module is connected with the authorization application module, the registration login module is used for registering an identity pass for a user to enter a system and providing a login path for the user to enter the system, the user logs in and enters the system through the registration login module, the authorization application module is connected with the application data generation module, and the authorization application module is used for authorizing personal information inquiry and providing a request for collecting application data of the user;
the system comprises an application data generation module, a face recognition module, a data acquisition module, a government affair big data system, a loan application module, a mobile application end and a face verification module, wherein the application data generation module is connected with the face recognition module and used for receiving a data acquisition request sent by an authorization application module and accessing the government affair big data system to automatically inquire and collect borrower and spouse data information, loan application information and human credit investigation authorization information;
the government affair data screening module is connected with the data confirmation module, the government affair data screening module utilizes government affair data index processing and government affair index admission to screen the user application data generated by the application data generation module for government affairs, the data confirmation module is connected with the guarantee mode selection module, and the data confirmation module is used for finally confirming the application data after the government affair screening according to a command input by a user;
the system comprises an online security examination and approval module, an online security examination and approval module and an online security examination and approval module, wherein the online security examination and approval module is connected with the online security examination and approval module and is used for carrying out policy data admission, online examination and approval and anti-security contract signing on a security person, acquiring spouse authorization of the security person online and carrying out government data screening on security conditions of the security person;
the system comprises a bank approval module, an on-line contract signing module and an approval progress module, wherein the bank approval module is connected with the on-line contract signing module and the approval progress module, the bank approval module is used for completing system and manual approval of credit investigation reports and application data of users, generating borrowing contract signing and completing security contract signing on line, the on-line contract signing module is used for completing signing of loan contracts on line, and the approval progress module is used for acquiring the accuracy of business handling approval in a business approval end in real time and is actually arranged on a mobile application end;
the online loan-paying module is connected with the online signing module and the post-loan early warning module, the online loan-paying module is used for completing loan issuance on line, and the post-loan early warning module is in seamless deep butt joint with the bank credit system, the core system, the credit investigation system and the wind power control system to provide post-loan risk monitoring and risk processing.
In a preferred embodiment, the guaranty means specifically includes credit, house mortgage, guarantor and deposit book.
In a preferred embodiment, the loan application types include personal applications and partner enterprise applications.
In a preferred embodiment, the application material generation module is also connected to a smart city system to acquire the information of the business license, the identity card, the residence permit and the marriage certificate of the user.
The invention has the technical effects and advantages that:
1. by utilizing government affair data to carry out rapid screening on the applicant and enterprise application conditions, users who do not accord with the application conditions are filtered out and informed of the reasons, the workload of auditors of the human and social offices is reduced, and the service handling speed and quality are improved;
2. by arranging the application data generation module accessed to the government affair big data system and the smart city system, the application data and the certificate information are automatically arranged and generated, the data required to be provided by an applicant is reduced, and the checking time of the transacting personnel on the authenticity and the correctness of the data and the cost of arranging and keeping the document are greatly reduced;
3. the user transacts the application online from the whole process of application to approval, signing, depositing, mortgage and guarantee, the application process and the application cost are reduced, the risk early warning after loan can utilize government affair big data to detect personal and enterprise risks in time, and the risks and losses of banks and guarantee companies are reduced.
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FIG. 1 is a schematic diagram of the system framework of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The entrepreneurial guarantee lending online system based on the government affair big data comprises a mobile application end, a business approval end and a bank credit end, wherein the mobile application end comprises a registration and login module, an authorization application module, a face recognition module, a data confirmation module, a guarantee mode selection module and an approval progress module, the business approval end comprises an application data generation module, a government affair data screening module, a guarantee display module, a bank approval module and a post-lending early warning module, and the bank credit end comprises an online signing module and an online paying module;
the system comprises a registration login module, an authorization application module and a data acquisition module, wherein the registration login module is connected with the authorization application module, the registration login module is used for registering an identity pass for a user to enter a system and providing a login path for the user to enter the system, the user logs in and enters the system through the registration login module, the authorization application module is connected with the application data generation module, and the authorization application module is used for authorizing personal information inquiry and providing a request for collecting application data of the user;
the application data generation module is connected with the face recognition module, the application data generation module is used for receiving a data collection request sent by the authorization application module, accessing a government affair big data system, automatically inquiring and collecting borrower and spouse data information, loan application information and human credit investigation authorization information, the face recognition module is connected with the government affair data screening module, the face recognition module sends a face recognition request to the mobile application end after the application data generation module generates application data of a user, and the user completes face verification and recognition through the face recognition module at the mobile application end to confirm identity;
the government affair data screening module is connected with the data confirmation module, the government affair data screening module carries out government affair screening on the user application data generated by the application data generation module by utilizing government affair data index processing and government affair index admission, the data confirmation module is connected with the guarantee mode selection module, and the data confirmation module carries out final confirmation on the application data after the government affair screening according to a command input by a user;
the online security examination and approval module is used for performing government data admission, online examination and approval and signing of anti-guarantee contracts of the guarantors, acquiring spouse authorization of the guarantors online and screening the government data of the guarantors guarantee conditions;
the bank approval module is connected with the online signing module and the approval progress module, the bank approval module is used for completing system and manual examination and verification of credit investigation reports and application data of the user, generating borrowing contract signing and completing security contract signing on line, the online signing module is used for completing signing of loan contracts on line, and the approval progress module is used for acquiring the accuracy of business handling approval in the business approval end in real time and is actually arranged on the mobile application end;
the online loan module is connected with the online signing module and the post-loan early warning module, the online loan module is used for completing loan issuance on line, and the post-loan early warning module is in seamless deep butt joint with the bank credit system, the core system, the credit investigation system and the wind control system to provide post-loan risk monitoring and risk processing.
A user enters the system through a registration login module and authorizes personal information inquiry, then sends a request for data collection to the system, an application data generation module generates data required by user loan, after face identity verification, the applicant and enterprise application conditions are screened rapidly by using government data, users who do not conform to the application conditions are filtered and informed of the reason, after qualified users select a guarantee mode, security data admission, online audit and anti-guarantee contract subscription are carried out on a guarantor, spouse authorization of the guarantor is obtained online, government data screening is carried out on the guarantor guarantee conditions, then online audit is carried out on the data by a bank, online audit of the loan contract is completed after qualification, the approval progress is displayed on an approval progress module of a mobile application end in real time in the whole approval process, after loan, an early warning module and a bank credit system are shown after loan, The core system, the credit investigation system and the wind control system are in seamless deep butt joint, post-credit risk monitoring and risk processing are provided, personal and enterprise risks are detected in time by using government affair big data, and risks and losses of banks and guarantee companies are reduced.
And finally: the above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that are within the spirit and principle of the present invention are intended to be included in the scope of the present invention.

Claims (4)

1. An entrepreneurial guarantee lending online system based on government affair big data is characterized by comprising a mobile application end, a business approval end and a bank credit end, wherein the mobile application end comprises a registration login module, an authorization application module, a face recognition module, a data confirmation module, a guarantee mode selection module and an approval progress module;
the system comprises a registration login module, an authorization application module, a data acquisition module and a data acquisition module, wherein the registration login module is connected with the authorization application module, the registration login module is used for registering an identity pass for a user to enter a system and providing a login path for the user to enter the system, the user logs in and enters the system through the registration login module, the authorization application module is connected with the application data generation module, and the authorization application module is used for authorizing personal information inquiry and providing a request for collecting application data of the user;
the system comprises an application data generation module, a face recognition module, a data acquisition module, a government affair big data system, a loan application module, a mobile application end and a face verification module, wherein the application data generation module is connected with the face recognition module and used for receiving a data acquisition request sent by an authorization application module and accessing the government affair big data system to automatically inquire and collect borrower and spouse data information, loan application information and human credit investigation authorization information;
the government affair data screening module is connected with the data confirmation module, the government affair data screening module utilizes government affair data index processing and government affair index admission to screen the user application data generated by the application data generation module for government affairs, the data confirmation module is connected with the guarantee mode selection module, and the data confirmation module is used for finally confirming the application data after the government affair screening according to a command input by a user;
the system comprises an online security examination and approval module, an online security examination and approval module and an online security examination and approval module, wherein the online security examination and approval module is connected with the online security examination and approval module and is used for carrying out policy data admission, online examination and approval and anti-security contract signing on a security person, acquiring spouse authorization of the security person online and carrying out government data screening on security conditions of the security person;
the system comprises a bank approval module, an on-line contract signing module and an approval progress module, wherein the bank approval module is connected with the on-line contract signing module and the approval progress module, the bank approval module is used for completing system and manual approval of credit investigation reports and application data of users, generating borrowing contract signing and completing security contract signing on line, the on-line contract signing module is used for completing signing of loan contracts on line, and the approval progress module is used for acquiring the accuracy of business handling approval in a business approval end in real time and is actually arranged on a mobile application end;
the online loan-paying module is connected with the online signing module and the post-loan early warning module, the online loan-paying module is used for completing loan issuance on line, and the post-loan early warning module is in seamless deep butt joint with the bank credit system, the core system, the credit investigation system and the wind power control system to provide post-loan risk monitoring and risk processing.
2. The entrepreneurial guarantee lending online system based on government affair big data according to claim 1, wherein: the guaranty means specifically include credit, house mortgage, guarantor, and deposit book.
3. The entrepreneurial guarantee lending online system based on government affair big data according to claim 1, wherein: the loan application types include personal applications and partner enterprise applications.
4. The entrepreneurial guarantee lending online system based on government affair big data according to claim 1, wherein: the application data generation module is also accessed into the smart city system to acquire the information of the business license, the ID card, the residence permit and the marriage certificate of the user.
CN201911380660.6A 2019-12-27 2019-12-27 Entrepreneurship guarantee loan online system based on government affair big data Pending CN111199389A (en)

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Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112163860A (en) * 2020-09-21 2021-01-01 中国建设银行股份有限公司 Financial leasing service system
CN112446685A (en) * 2020-12-01 2021-03-05 深圳市中博科创信息技术有限公司 Second batch business operation and maintenance monitoring and management method and system
CN112734556A (en) * 2020-12-31 2021-04-30 重庆银行股份有限公司 Multifunctional interactive terminal based on internet
CN112734557A (en) * 2020-12-31 2021-04-30 重庆银行股份有限公司 Intelligent network credit management system based on big data
CN113034267A (en) * 2021-03-26 2021-06-25 广东中盈盛达数字科技有限公司 Electronic letter protection system based on supply chain
CN113177849A (en) * 2021-04-07 2021-07-27 安徽科讯金服科技有限公司 Tax integration online system based on government affair big data
CN113177833A (en) * 2021-04-07 2021-07-27 安徽科讯金服科技有限公司 Big data-based guarantee decision-making system
CN113298618A (en) * 2021-05-21 2021-08-24 天津智农科技有限公司 Rural property right transaction system
CN113902547A (en) * 2021-10-09 2022-01-07 郑州市不动产登记中心 Electronic bank-climbing cooperation system for real estate loan and mortgage registration
CN113902548A (en) * 2021-10-09 2022-01-07 郑州市不动产登记中心 Paperless bank-climbing cooperation system for real estate registration

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Cited By (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112163860A (en) * 2020-09-21 2021-01-01 中国建设银行股份有限公司 Financial leasing service system
CN112446685A (en) * 2020-12-01 2021-03-05 深圳市中博科创信息技术有限公司 Second batch business operation and maintenance monitoring and management method and system
CN112446685B (en) * 2020-12-01 2024-05-28 深圳市中博科创信息技术有限公司 Second batch service operation and maintenance monitoring management method and system
CN112734556A (en) * 2020-12-31 2021-04-30 重庆银行股份有限公司 Multifunctional interactive terminal based on internet
CN112734557A (en) * 2020-12-31 2021-04-30 重庆银行股份有限公司 Intelligent network credit management system based on big data
CN113034267A (en) * 2021-03-26 2021-06-25 广东中盈盛达数字科技有限公司 Electronic letter protection system based on supply chain
CN113177833A (en) * 2021-04-07 2021-07-27 安徽科讯金服科技有限公司 Big data-based guarantee decision-making system
CN113177849A (en) * 2021-04-07 2021-07-27 安徽科讯金服科技有限公司 Tax integration online system based on government affair big data
CN113298618A (en) * 2021-05-21 2021-08-24 天津智农科技有限公司 Rural property right transaction system
CN113902547A (en) * 2021-10-09 2022-01-07 郑州市不动产登记中心 Electronic bank-climbing cooperation system for real estate loan and mortgage registration
CN113902548A (en) * 2021-10-09 2022-01-07 郑州市不动产登记中心 Paperless bank-climbing cooperation system for real estate registration
CN113902547B (en) * 2021-10-09 2022-05-17 郑州市不动产登记中心 Electronic bank-climbing cooperation system for real estate loan and mortgage registration
CN113902548B (en) * 2021-10-09 2023-02-03 郑州市不动产登记中心 Paperless bank-climbing cooperation system for real estate registration

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Application publication date: 20200526