CN111461857A - Personal online credit method, device, system, equipment and medium for small and medium-sized banks - Google Patents
Personal online credit method, device, system, equipment and medium for small and medium-sized banks Download PDFInfo
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Abstract
The invention provides a method, a device, equipment and a medium for on-line credit of a small and medium-sized bank person, wherein the method comprises the following steps: s1, accepting a loan application initiated by a borrower; s2, providing an electronic credit investigation authorization book for the borrower to confirm, and initiating the preposed inquiry of the bank credit investigation information; s3, checking the application of the borrower, and judging whether the borrower is a inline white list borrower according to a white list mechanism; s4, providing an electronic loan contract for the borrower to sign; s5, pushing the electronic loan contract signed by the borrower to a CA signing system to complete CA signing; s6, the current credit management system and the loan accounting system accept the debit person' S request for payment and complete automatic payment, and the loan transaction is automatically completed; and S7, after successful loan placement, regularly and in batch, carrying out early warning on the internal and external related risk information of the borrower. The invention provides the on-line credit function for the middle and small banks and gradually improves the financial credit environment in rural areas.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a personal online credit method, a personal online credit device, personal online credit equipment and personal online credit media for small and medium-sized banks.
Background
Today, with the rapid development of internet finance, pure online loan service has begun to gradually replace traditional offline loans, and various commercial banks successively released respective network loan products from 15 years ago, such as the bank E loan of the middle lines, the fast loan of the construction lines, and the lightning loan of the recruitment lines. The nationally owned banks and the large commercial banks perfect the construction of the online loan system and the wind control system through the self scale and the capital advantages. However, regional small and medium banks such as agricultural and commercial businesses, city and commercial businesses, etc., are often served in rural areas and bear the responsibility of building financial credit systems in rural areas, and due to policy restrictions, the scale is small, the capital is limited, the start is slow in the development of network credit products, and the existing network credit platform of a large bank is not suitable for the small and medium banks.
The current patents related to network credit products are specifically as follows:
the Chinese invention with the publication number of CN105550927A and the publication number of 20160504 discloses a bank credit system risk assessment method and a device. By disclosing a bank credit system risk assessment method and device, when enterprise credit risk assessment is carried out, not only are the profitability and assets of enterprises considered, but also the business traffic activity degree and fund flow condition among enterprises are comprehensively considered. And by utilizing mass data, potential useful new evaluation indexes are mined, and the current novel technologies such as data mining, social networks and the like are integrated into the evaluation process, so that the accuracy of the evaluation result is improved.
China invention with publication number CN206921102U, publication number 20180123, discloses an intelligent internet credit terminal based on big data cloud. The touch screen is fixed on the front side of the shell, the main circuit board is fixed in the shell on the rear side of the touch screen, and the SIM card socket and the WIFI module are arranged on the main circuit board.
The invention discloses a small-amount personal loan system based on a L AOP platform, which is disclosed by China with the publication number of CN107945014A being 20180420 and comprises an application layer, a base layer and a framework technology layer, wherein the base layer is used for maintaining the base information of the system, the framework technology layer is used for providing an operation platform for an application program of the system, the application layer is used for the business operation of the system, and the application layer comprises a loan acceptance module, a borrower loan data module, a guarantee data module, an investigation condition module, a loan approval module, a loan contract management module, a loan issuance module, a post-loan investigation module, a recovery condition module and a bad property processing module.
The Chinese invention with the publication number of CN108062710A as 20160504 discloses a small amount personal loan system and method based on J2 EE. The system comprises: the system comprises a pre-loan management module, a core module and a loan application module, wherein the pre-loan management module is used for managing borrower information and comprises a partner management unit, a borrower management unit and a borrower attention management unit; the core module is used for establishing and maintaining the number of the borrower and storing and maintaining the basic information of the borrower, wherein the basic information of the borrower comprises: the name of the borrower, the type of the borrower certificate and the number of the borrower certificate; the loan application module is used for loan application, loan maintenance, loan uploading, loan examination and approval, loan approval, contract signing and loan administration, and comprises: the loan application unit, the loan approval unit and the loan issuance unit.
Chinese invention published as CN108711103A, published as 20181026, discloses a method, an apparatus, a computer device and a medium for predicting repayment risk of personal loans. Wherein the method comprises the following steps: acquiring personal data to be detected; preprocessing the personal data to be detected; extracting multi-dimensional characteristic information from the processed personal data to be detected, and constructing a training set according to the extracted multi-dimensional characteristic information; training the training set by adopting a decision tree algorithm to generate a decision tree; and acquiring personal data of the borrower to construct a test set, and predicting the test set by using the decision tree so as to obtain a prediction result of the loan repayment risk of the borrower.
Disclosure of Invention
The invention aims to solve the technical problem of providing a personal online credit method, a device, equipment and a medium for medium and small banks, which provide online credit functions for the medium and small banks and enable borrowers to know the importance of good credit by establishing a white list mechanism and effective loan risk control rules, thereby gradually perfecting the financial credit environment in rural areas.
In a first aspect, the invention provides a personal online credit method for small and medium-sized banks, which is used for an online credit platform and comprises the following steps:
s1, accepting a loan application initiated by the borrower, judging whether the borrower is the self, if so, carrying out the next step, otherwise, ending the process;
s2, providing an electronic credit investigation authorization book to be confirmed by the borrower, initiating the preposed inquiry of the information of the personal credit investigation, acquiring the key information of the personal credit investigation of the borrower, and ending the process if the borrower refuses the confirmation;
s3, checking the application of the borrower, judging whether the borrower is a inline white list borrower or not according to a white list mechanism, and if so, directly checking and approving through rules to give the borrower a relevant amount; if not, judging the related information of the borrower through a preset approval rule, if the judgment is not passed, refusing the borrower to apply, and if the judgment is passed, giving a credit line to the borrower through a credit model;
s4, providing an electronic loan contract for the borrower to sign;
s5, the electronic loan contract signed by the borrower is pushed to a CA signing system to complete CA signing, the legality and validity of the loan contract are guaranteed, and the electronic loan contract signed by the CA is pushed to an image platform to be stored;
s6, when the credit management system and the loan accounting system accept the loan application and complete the automatic accounting, receiving the elements required by the loan sent by the credit management system and the loan accounting system, and automatically completing the loan transaction;
and S7, after successful loan placement, regularly and in batch, carrying out early warning on the internal and external related risk information of the borrower, and if the related information of the borrower triggers a risk early warning rule, informing the personnel in the loan to process in time.
In a second aspect, the invention provides a personal online credit method for small and medium-sized banks, which is used for an online credit platform and comprises the following steps:
s1, the bank channel system or the third-party cooperation platform receives a loan application initiated by the borrower, forwards the loan application to the network loan platform, and judges whether the borrower is the borrower or not by the network loan platform, if so, the next step is carried out, and if not, the flow is ended;
s2, the network credit platform provides the electronic credit investigation authorization book to the bank channel system or the third-party cooperation platform to confirm by the borrower, the network credit platform initiates the preposed inquiry of the bank credit investigation information to obtain the key information of the bank credit investigation of the borrower, and if the borrower refuses to confirm the electronic credit investigation authorization book, the flow is ended;
s3, the online loan platform checks the application of the borrower, judges whether the borrower is an inline white list borrower or not according to a white list mechanism, and gives the borrower a relevant amount through rule approval if the borrower is the inline white list borrower; if not, judging the related information of the borrower through a preset approval rule, if the judgment is not passed, refusing the borrower to apply, and if the judgment is passed, giving a credit line to the borrower through a credit model;
s4, the network loan platform provides the electronic loan contract to the bank channel system or the third party cooperation platform for the borrower to sign;
s5, the online loan platform pushes the electronic loan contract signed by the borrower to a CA signing system to complete CA signing, the legality and validity of the loan contract are guaranteed, and the electronic loan contract signed by the CA is pushed to an image platform to be stored;
s6, when the bank channel system or the third-party cooperation platform receives the expenditure application initiated by the borrower, the expenditure application is forwarded to the credit management system and the loan accounting system by the online loan platform, the expenditure application is received by the credit management system and the loan accounting system and the automatic expenditure is completed, the elements required by the loan are pushed to the online loan platform, and the loan transaction is automatically completed;
and S7, after the loan is successfully placed, the network loan platform periodically carries out early warning on the internal and external related risk information of the borrower in batches, and if the related information of the borrower triggers a risk early warning rule, the online loan is timely notified to process the loan.
In a third aspect, the present invention provides an online credit device for a small and medium-sized bank, which is an online credit platform, and comprises:
the receiving module is used for receiving a loan application initiated by a borrower, judging whether the borrower is the self, if so, carrying out the next step, and if not, ending the flow;
the preposed credit investigation module is used for providing an electronic credit investigation authorization book to ensure that a borrower confirms the electronic credit investigation authorization book, initiating the preposed inquiry of the information of the credit investigation of the borrower, acquiring the key information of the credit investigation of the borrower, and ending the flow if the borrower refuses the confirmation;
the verifying module is used for verifying the application of the borrower, judging whether the borrower is a inline white list borrower or not according to a white list mechanism, and giving the borrower a relevant amount through rule approval if the borrower is the inline white list borrower; if not, judging the related information of the borrower through a preset approval rule, if the judgment is not passed, refusing the borrower to apply, and if the judgment is passed, giving a credit line to the borrower through a credit model;
the signing module is used for providing an electronic loan contract to sign for a borrower;
the pushing module is used for pushing the electronic loan contract signed by the borrower to the CA signing system to complete CA signing, guarantee the legality and validity of the loan contract and pushing the electronic loan contract signed by the CA to the image platform for storage;
the loan accounting system is used for receiving elements required by loan payment sent by the credit management system and the loan accounting system and automatically completing loan transaction;
and the early warning module is used for regularly and batch early warning the internal and external related risk information of the borrower after successful loan placement, and timely notifying the personnel in the line to process the loan if the risk early warning rule is triggered by the related information of the borrower.
In a fourth aspect, the present invention provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method of the first aspect when executing the program.
In a fifth aspect, the invention provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the method of the first aspect.
One or more technical solutions provided in the embodiments of the present invention have at least the following technical effects or advantages: the method, the device, the equipment and the medium for the personal online credit of the medium and small banks integrate an online credit platform in the existing bank system, and complement the disadvantage that the medium and small banks lack key information of borrowers; the online credit platform can be in friendly butt joint with each branch system of the bank, can also be in butt joint with a third party system, and cooperates with the third party in an online credit scene, so that the credit using scene of a borrower can be effectively expanded, the credit demand of the borrower is mined, and the income of the bank is promoted; the loan application and approval process and the risk control scheme of the bank personal online loan service are realized, and the direct operation of the bank is facilitated; the method provides a bank offline loan pre-investigation white list mechanism combined with online loan, which is used for complementing and perfecting the credit risk of information loss of personal borrowers of small and medium banks.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
The invention will be further described with reference to the following examples with reference to the accompanying drawings.
FIG. 1 is a schematic block diagram of the system of the present invention;
FIG. 2 is a flow chart of a method according to one embodiment of the present invention;
FIG. 3 is a diagram illustrating a white list mechanism according to an embodiment of the present invention;
FIG. 4 is a flowchart of a method according to a second embodiment of the present invention;
FIG. 5 is a schematic structural diagram of an apparatus according to a third embodiment of the present invention;
fig. 6 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present invention;
fig. 7 is a schematic structural diagram of a medium according to a fifth embodiment of the present invention.
Detailed Description
The embodiment of the application provides an online credit method, device, system, equipment and medium for medium and small banks, so that the online credit function is provided for the medium and small banks, the online loan risk of the medium and small banks is effectively reduced, the bad loan loss of the medium and small banks is reduced, and the borrower can know the importance of good credit, thereby gradually improving the financial credit environment in rural areas.
The technical scheme in the embodiment of the application has the following general idea: the borrower initiates a loan application through a bank channel system or a third-party cooperation platform, and forwards the application to the network loan platform, and the network loan platform judges whether the borrower is the borrower or not; then, providing an electronic credit investigation authorization book for the borrower to confirm, then initiating the advance inquiry of the information of the personal credit investigation to acquire the key information of the personal credit investigation of the borrower; checking the application of the borrower, judging whether the borrower is an inline white list borrower or not according to a white list mechanism, and if so, directly checking and approving through rules to give the borrower a relevant amount; if not, judging the relevant information of the borrower according to a preset examination and approval rule, and if not, refusing the borrower to apply; when a borrower signs an expenditure application initiated by an electronic loan contract, a credit management system and a loan accounting system accept the expenditure application and complete automatic expenditure, elements required by loan payment are pushed to a network loan platform, and loan transaction is automatically completed; and after successful loan placement, the online lending platform periodically and in batch carries out early warning on the internal and external related risk information of the borrower. The online and offline related risk information of the borrowers is pre-warned regularly in batches, so that the financial credit environment of rural areas is gradually improved, and guarantee is provided for the online credit function of small and medium banks.
Before describing the specific embodiment, a system framework corresponding to the method of the embodiment of the present application is described, and as shown in fig. 1, the system is roughly divided into the following parts:
and the online loan platform is responsible for the rule checking and approval process of online loan. The network loan platform completes real-time online transaction through an ESB (enterprise bus), a loan accounting system, a credit management system, an ECIF (borrower information management system), an identity verification system, a CRM (borrower relationship management system) and the like, and receives loan accounts of the loan accounting system at night in batch.
The channel system is a transaction system for the borrower to independently initiate loan application, such as an in-line system of a mobile banking and an internet bank. The channel system transmits the loan application information to the online loan platform in real time when initiating the loan application transaction, and transmits the electronic contract to the CA signing system and the image platform in real time.
Other related systems in the row further comprise a loan accounting system, a credit management system, an ECIF system, an identity verification system, a CRM system, a CA tagging system, an image platform, a data warehouse, a risk monitoring system, an anti-money laundering system and a short message platform.
The third-party platform, a third-party platform cooperating with the bank, such as a specific consumption credit scene of an e-commerce platform, can provide related channels for loan application initiation.
And the off-line system, such as a people credit system, is used for providing credit information of the borrower for the online credit platform.
Wherein:
the loan accounting system: providing the functions of loan product allocation and loan accounting. And receiving a loan application pushed by the credit management system during loan, and returning a loan result to the online loan platform through the ESB.
And the network loan platform pushes the network loan content to the credit management system through the ESB system and synchronizes the credit standing accounts of the network loan platform at night in batch.
ECIF system: and the system is responsible for uniformly storing the data of the borrowers in the rows. And the system is responsible for providing borrower information data stored in the ECIF system through real-time online transaction when loan application is carried out.
The identity verification system comprises: and the identity checking system connected with the public security network is used for checking the validity of the personal identity information of the borrower. And receiving the borrower information checking application through real-time online transaction during loan application, and returning the result to the online loan platform for rule approval.
The CRM system comprises: it is responsible for giving the borrower a rating during the credit process. Inline rating information for the borrower is provided via an online transaction at the time of loan application.
CA signing system: the electronic contract CA signing system ensures the legality of the electronic contract of the online loan. And after the channel system pushes the electronic contract to the CA signing system, the signing is finished and a signing result is returned in real time.
An image platform: and the system is responsible for storing the electronic authorization book and the electronic contract and receiving images such as the electronic contract, the electronic authorization book and the like pushed by a channel system through real-time online transaction.
A data warehouse: for storing the post-correlation data. And the data warehouse synchronizes the blacklist data of the blacklist system in batches at night and provides risk monitoring indexes required by the risk monitoring system in batches at night.
Risk monitoring system: and (4) taking charge of risk early warning and monitoring after the loan. After loan payment, the after-loan risk of the loan is judged in batches at night, and the result is pushed to a network loan platform.
Anti-money laundering system: an anti-money laundering blacklist is provided for loan approval.
A short message platform: the function can also be replaced by pushing of APP messages of a WeChat public number or a mobile banking.
Example one
The embodiment provides an online credit method for a small and medium-sized bank personal, which is used for an online credit platform, and as shown in fig. 2, the method comprises the following steps:
s1, accepting a loan application initiated by a borrower, initiating the loan application from a bank channel, such as a mobile phone bank APP or an internet banking channel of a bank, or from a channel of a third-party platform according to the cooperation condition with the third party, such as a specific consumption credit scene of an e-commerce platform, then judging whether the borrower is the borrower, if so, performing the next step, otherwise, ending the flow; the method for judging whether the borrower is the self is as follows: carrying out face recognition and living body recognition examination on the borrower, and comparing the face recognition and living body recognition examination with the inventory photo of the borrower in the line or the photo of the public security system so as to judge whether the borrower is the borrower;
s2, providing an electronic credit investigation authorization book for the borrower to confirm, initiating the preposed inquiry of the personal credit investigation information, and acquiring the key information of the personal credit investigation of the borrower, such as credit card approval information, overdue times of the credit card, total loan amount, overdue times of the loan and the like, wherein the information is used for loan application approval in the next step, and if the borrower refuses to confirm, the flow is ended;
s3, checking the application of the borrower, judging whether the borrower is a inline white list borrower according to a white list mechanism, and if so, directly checking and approving the borrower according to rules to give the borrower a relevant amount; if not, judging the related information (such as credit investigation information, inline loan condition, court sanction information, industrial and commercial information and the like of the client) of the borrower through a preset approval rule, if the judgment fails, refusing the borrower to apply, and if the judgment passes, giving the borrower a credit line through a credit model; the trust model can be referred to as the following example: the credit line is trade line + a business duration + b MAX (average income in about three months, average income in about half a year, average income in about one year) + c month average social security payment transaction line + d month public deposit payment transaction line + e tax payment transaction line + f financial product purchase share + g intra-row business contract number. Wherein: a. b, c, d, e, f and g are respectively related coefficients, the bank can adjust the average income of the customers according to the requirements, and the average income of the customers is the highest value of the average value of nearly three months, only half a year and nearly one year. The credit line does not exceed the consumption line of the credit scene.
S4, providing an electronic loan contract for the borrower to sign; after the borrower obtains the credit line, the electronic contract signing is completed on the channel system, including that the borrower confirms the contract content and provides a hand-written signature;
s5, the electronic loan contract signed by the borrower is pushed to a CA signing system to complete CA signing, the legality and validity of the loan contract are guaranteed, and the electronic loan contract signed by the CA is pushed to an image platform to be stored; the CA signing process comprises the following steps: generating a PDF format for the electronic loan contract, adding a handwritten signature of a borrower at a specific position, and then performing CA signature to generate a secret key, wherein if the electronic contract is subsequently modified, the secret key cannot be matched, so that the irreparable modification after the electronic contract is generated is ensured;
s6, when the credit management system and the loan accounting system accept the loan application and complete the automatic accounting, receiving the elements required by the loan sent by the credit management system and the loan accounting system, and automatically completing the loan transaction; the elements required for the deposit include: authorization number, loan subject, currency, guarantee mode, contract number, contract amount, loan start date, loan end date, contract interest rate, interest rate floating ratio, penalty ratio, interest rate adjusting mode, interest mark, loan application and repayment account number.
And S7, after successful loan placement, regularly and in batch, carrying out early warning on the internal and external related risk information of the borrower, and if the related information of the borrower triggers a risk early warning rule, informing the personnel in the loan to process in time. The post-loan risk early warning rule is used for examining related information of online loan clients in batches at regular time by the risk monitoring system after the clients put money, if the clients trigger the related risk rule, the related risk is pushed to a network loan system for recording, and in time, a local credit responsible person is notified, and the loan is subjected to on-site loan inspection or treatment of being withdrawn in advance. The specific post-loan risk early warning rules are shown in the following table:
the early warning rules after loan are processed in batches at night according to the number of months, and each bank can perform online loan service for the bank
The feature additionally adds relevant rules.
In the step S3, the white list mechanism is to record the information of the borrower collected and perfected offline into the system, the system automatically judges whether the recorded information meets the credit admission requirement, if yes, the system obtains the credit line and the validity period of the credit line according to the credit model, and then adds the credit line into the white list, if not, the system transfers the process into a manual approval process. The white list mechanism is a measure for directly giving credit amount to the borrower without judging online loan rules when the borrower applies for loan within the valid period of the pre-credit amount by utilizing the fact that the client collects and perfects the relevant information of the borrower online through the management and giving the borrower the pre-credit amount in advance. As shown in fig. 3, the specific implementation steps are as follows:
1. the intra-row client manager registers the information of the borrower to the borrower operation department or the borrower home by using the CRM system, wherein the registration information comprises the asset level, the operation condition, the required loan application and the like of the borrower, so that the problem of the shortage of the key risk information of the borrower in the online loan is solved.
2. The credit demand of the borrower is verified to be real, the credit qualification is excellent, the grading work of the borrower is completed, and the borrower is given a pre-credit line. After information is input and photographed, whether the input information is real and meets credit admission requirements can be judged according to the admission model, if the input information is not real, data is converted into manual approval, and after approval is passed, the data is given to borrowers according to the automatic credit granting model. The credit line of the borrower is obtained according to the element information of the borrower, the inline personnel can adjust the credit line, and the credit line model is optimized according to the adjustment result of each time. After the credit granting is completed, the borrower becomes a white list borrower. The rating and the pre-granted credit limit have a certain period, and the period of validity can be set to be 3 months, 6 months and the like according to the self requirement in the row. The logging information admission checking model is as follows:
3. the customer manager registers the white name information to the CRM system and calls the white name information when the borrower initiates a loan application.
4. The white list borrower applies for loan in an in-line channel, and loan application rules are not needed to be judged by matching the white list borrower information of the in-line CRM system, so that loan payment of pre-granted credit amount can be directly given.
The white list mechanism has the advantages that the deficiency of online loan rule judgment is compensated by using on-site investigation under the management line of customers, meanwhile, the online loan system of small and medium-sized banks is not as good as that of large-sized banks in China in the aspects of performance and big data analysis, and the disadvantage in the aspect can be effectively compensated by using the white list mechanism.
The approval rules include:
black list rule: the system automatically refuses the application when the borrower or the spouse thereof is in the blacklist and within the validity period;
controlling repeated loan application rules: only one record of approval, approval passing or effective loan amount is allowed to exist in the online loan platform at the same time, and when the borrower applies more than one record, the borrower refuses subsequent loan application;
age control rules: the borrower's age is required to be more than or equal to 18 years old and the sum of the current age and the loan application period is not more than 60 years old;
the overdue condition rule of the borrower: the method comprises the following steps that when a borrower has a current overdue condition or the historical overdue times are more than or equal to 5 times in an in-line credit management system and pedestrian credit investigation data, the borrower refuses loan application;
rules for the borrower to guarantee the overdue condition: the method comprises the following steps that when a loan of an in-line credit management system of a borrower is overdue currently, the borrower refuses the loan application;
excessive credit total: when the total amount of credit and guarantee loan on the human credit investigation record of the borrower exceeds 100 ten thousand, refusing the loan application of the borrower;
group credit rules: the in-line credit management system of the borrower belongs to one member of the trust of a conspiracy group, and refuses the loan application of the borrower when the total credit amount of the in-line credit of the group exceeds 1000 ten thousand yuan;
credit card expiration rules: the borrower refuses the loan application when the credit card in the line or the credit card held on the data of the people's bank credit is overdue at present or the historical overdue times exceed 5 times;
other people's bank credit record rules: the borrower refuses the loan application of the borrower when the borrower has debt records, compensation, loan balance and executed targets in the mandatory execution records as all the transaction information which is not fulfilled on the human credit investigation record;
credit rating rules of the borrower: and when the credit rating level in the row of the borrower is too low, the borrower refuses the loan application.
Summarized in the following table:
the specific numbers in the rules can be configured in the background of the online loan system, and online loan examination rules which accord with the business characteristics of the online loan examination rules can be added according to the requirements.
Based on the same inventive concept, the application also provides a method which is applied to the system shown in fig. 1 and corresponds to the method in the first embodiment, and the details are shown in the second embodiment.
Example two
In the embodiment, a personal online credit method for small and medium-sized banks is provided, as shown in fig. 1 and 4, including the steps of:
s1, the bank channel system or the third-party cooperation platform receives a loan application initiated by the borrower, forwards the loan application to the network loan platform, and judges whether the borrower is the borrower or not by the network loan platform, if so, the next step is carried out, and if not, the flow is ended; the method for judging whether the borrower is the self is as follows: carrying out face recognition and living body recognition examination on the borrower, and comparing the face recognition and living body recognition examination with the inventory photo of the borrower in the line or the photo of the public security system so as to judge whether the borrower is the borrower;
s2, the network credit platform provides the electronic credit investigation authorization book to the bank channel system or the third-party cooperation platform to confirm by the borrower, the network credit platform initiates the preposed inquiry of the bank credit investigation information to obtain the key information of the bank credit investigation of the borrower, and if the borrower refuses to confirm the electronic credit investigation authorization book, the flow is ended;
s3, the online loan platform checks the application of the borrower, judges whether the borrower is an inline white list borrower or not according to a white list mechanism, and gives the borrower a relevant amount through rule approval if the borrower is the inline white list borrower; if not, judging the related information of the borrower through a preset approval rule, if the judgment is not passed, refusing the borrower to apply, and if the judgment is passed, giving a credit line to the borrower through a credit model; for the specific situations of the white list mechanism and the approval rule, please refer to the description in the first embodiment;
s4, the network loan platform provides the electronic loan contract to the bank channel system or the third party cooperation platform for the borrower to sign;
s5, the online loan platform pushes the electronic loan contract signed by the borrower to a CA signing system to complete CA signing, the legality and validity of the loan contract are guaranteed, and the electronic loan contract signed by the CA is pushed to an image platform to be stored; the CA signing process adopted by the CA signing system comprises the following steps: generating a PDF format for the electronic loan contract, adding a handwritten signature of a borrower at a specific position, and then carrying out CA signature to generate a secret key to ensure that the electronic loan contract is not modifiable after being generated;
s6, when the bank channel system or the third-party cooperation platform receives the expenditure application initiated by the borrower, the expenditure application is forwarded to the credit management system and the loan accounting system by the online loan platform, the expenditure application is received by the credit management system and the loan accounting system and the automatic expenditure is completed, the elements required by the loan are pushed to the online loan platform, and the loan transaction is automatically completed; the elements required for the deposit include: authorization number, loan subject, currency, guarantee mode, contract number, contract amount, loan start date, loan end date, contract interest rate, interest rate floating ratio, penalty ratio, interest rate adjusting mode, interest mark, loan application and repayment account number.
And S7, after the loan is successfully placed, the network loan platform periodically carries out early warning on the internal and external related risk information of the borrower in batches, and if the related information of the borrower triggers a risk early warning rule, the online loan is timely notified to process the loan. For details of the risk pre-warning rule, please refer to the description in the first embodiment.
Based on the same inventive concept, the application also provides a device corresponding to the method in the first embodiment, which is detailed in the third embodiment.
EXAMPLE III
In this embodiment, there is provided an online credit device for a small and medium-sized bank, as shown in fig. 5, the device is an online credit platform, including:
the receiving module is used for receiving a loan application initiated by a borrower, judging whether the borrower is the self, if so, carrying out the next step, and if not, ending the flow; the method comprises the following steps of carrying out face recognition and living body recognition examination on a borrower, and comparing the face recognition and living body recognition examination with a storage photo of the borrower in a line or a photo of a public security system so as to judge whether the borrower is the person or not;
the preposed credit investigation module is used for providing an electronic credit investigation authorization book to ensure that a borrower confirms the electronic credit investigation authorization book, initiating the preposed inquiry of the information of the credit investigation of the borrower, acquiring the key information of the credit investigation of the borrower, and ending the flow if the borrower refuses the confirmation;
the verifying module is used for verifying the application of the borrower, judging whether the borrower is a inline white list borrower or not according to a white list mechanism, and giving the borrower a relevant amount through rule approval if the borrower is the inline white list borrower; if not, judging the related information of the borrower through a preset approval rule, if the judgment is not passed, refusing the borrower to apply, and if the judgment is passed, giving a credit line to the borrower through a credit model;
the signing module is used for providing an electronic loan contract to sign for a borrower;
the pushing module is used for pushing the electronic loan contract signed by the borrower to the CA signing system to complete CA signing, guarantee the legality and validity of the loan contract and pushing the electronic loan contract signed by the CA to the image platform for storage; the CA signing process adopted by the CA signing system comprises the following steps: generating a PDF format for the electronic loan contract, adding a handwritten signature of a borrower at a specific position, and then carrying out CA signature to generate a secret key to ensure that the electronic loan contract is not modifiable after being generated;
the loan accounting system is used for receiving elements required by loan payment sent by the credit management system and the loan accounting system and automatically completing loan transaction; the elements required for the deposit include: authorization number, loan subject, currency, guarantee mode, contract number, contract amount, loan start date, loan end date, contract interest rate, interest rate floating ratio, penalty ratio, interest rate adjusting mode, interest mark, loan application and repayment account number.
And the early warning module is used for regularly and batch early warning the internal and external related risk information of the borrower after successful loan placement, and timely notifying the personnel in the line to process the loan if the risk early warning rule is triggered by the related information of the borrower.
For the white list mechanism and the examination and approval rule adopted by the examination and approval module, please refer to the related description in the first embodiment.
Since the apparatus described in the second embodiment of the present invention is an apparatus used for implementing the method of the first embodiment of the present invention, based on the method described in the first embodiment of the present invention, a person skilled in the art can understand the specific structure and the deformation of the apparatus, and thus the details are not described herein. All the devices adopted in the method of the first embodiment of the present invention belong to the protection scope of the present invention.
Based on the same inventive concept, the application provides an electronic device embodiment corresponding to the first embodiment, which is detailed in the fourth embodiment.
Example four
The present embodiment provides an electronic device, as shown in fig. 6, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, any implementation manner of the first embodiment may be implemented.
Since the electronic device described in this embodiment is a device used for implementing the method in the first embodiment of the present application, based on the method described in the first embodiment of the present application, a specific implementation of the electronic device in this embodiment and various variations thereof can be understood by those skilled in the art, and therefore, how to implement the method in the first embodiment of the present application by the electronic device is not described in detail herein. The equipment used by those skilled in the art to implement the methods in the embodiments of the present application is within the scope of the present application.
Based on the same inventive concept, the application provides a storage medium corresponding to the fifth embodiment, which is described in detail in the fifth embodiment.
EXAMPLE five
The present embodiment provides a computer-readable storage medium, as shown in fig. 7, on which a computer program is stored, and when the computer program is executed by a processor, any one of the embodiments can be implemented.
The technical scheme provided in the embodiment of the application at least has the following technical effects or advantages: the method, the device, the system, the equipment and the medium provided by the embodiment of the application integrate an online credit platform in the existing bank system, and complement the disadvantage that the information key information of small and medium banks is lost in borrowers; the online credit platform can be in friendly butt joint with each branch system of the bank, can also be in butt joint with a third party system, and cooperates with the third party in an online credit scene, so that the credit using scene of a borrower can be effectively expanded, the credit demand of the borrower is mined, and the income of the bank is promoted; the loan application and approval process and the risk control scheme of the bank personal online loan service are realized, and the direct operation of the bank is facilitated; the method provides a bank offline loan pre-investigation white list mechanism combined with online loan, which is used for complementing and perfecting the credit risk of information loss of personal borrowers of small and medium banks.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus or system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
Although specific embodiments of the invention have been described above, it will be understood by those skilled in the art that the specific embodiments described are illustrative only and are not limiting upon the scope of the invention, and that equivalent modifications and variations can be made by those skilled in the art without departing from the spirit of the invention, which is to be limited only by the appended claims.
Claims (8)
1. A personal online credit method for small and medium-sized banks is characterized in that: the network loan platform comprises the following steps:
s1, accepting a loan application initiated by the borrower, judging whether the borrower is the self, if so, carrying out the next step, otherwise, ending the process;
s2, providing an electronic credit investigation authorization book to be confirmed by the borrower, initiating the preposed inquiry of the information of the personal credit investigation, acquiring the key information of the personal credit investigation of the borrower, and ending the process if the borrower refuses the confirmation;
s3, checking the application of the borrower, judging whether the borrower is a inline white list borrower or not according to a white list mechanism, and if so, directly checking and approving through rules to give the borrower a relevant amount; if not, judging the related information of the borrower through a preset approval rule, if the judgment is not passed, refusing the borrower to apply, and if the judgment is passed, giving a credit line to the borrower through a credit model;
s4, providing an electronic loan contract for the borrower to sign;
s5, the electronic loan contract signed by the borrower is pushed to a CA signing system to complete CA signing, the legality and validity of the loan contract are guaranteed, and the electronic loan contract signed by the CA is pushed to an image platform to be stored;
s6, when the credit management system and the loan accounting system accept the loan application and complete the automatic accounting, receiving the elements required by the loan sent by the credit management system and the loan accounting system, and automatically completing the loan transaction;
and S7, after successful loan placement, regularly and in batch, carrying out early warning on the internal and external related risk information of the borrower, and if the related information of the borrower triggers a risk early warning rule, informing the personnel in the loan to process in time.
2. The method of claim 1, wherein the method comprises the following steps:
in step S1, the method of accepting a loan application initiated by the borrower and determining whether the borrower is the self is: carrying out face recognition and living body recognition examination on the borrower, and comparing the face recognition and living body recognition examination with the inventory photo of the borrower in the line or the photo of the public security system so as to judge whether the borrower is the borrower;
in the step S3, the white list mechanism is to record the information related to the offline collected perfect borrower into the system, the system automatically judges whether the recorded information meets the credit admission requirement, if yes, the system obtains the credit line and the validity period of the credit line according to the credit model, then adds the credit line into the internal white list, if not, the system converts the operation into a manual approval process;
the approval rules include:
black list rule: the system automatically refuses the application when the borrower or the spouse thereof is in the blacklist and within the validity period;
controlling repeated loan application rules: only one record of approval, approval passing or effective loan amount is allowed to exist in the online loan platform at the same time, and when the borrower applies more than one record, the borrower refuses subsequent loan application;
age control rules: the borrower's age is required to be more than or equal to 18 years old and the sum of the current age and the loan application period is not more than 60 years old;
the overdue condition rule of the borrower: the method comprises the following steps that when a borrower has a current overdue condition or the historical overdue times are more than or equal to 5 times in an in-line credit management system and pedestrian credit investigation data, the borrower refuses loan application;
rules for the borrower to guarantee the overdue condition: the method comprises the following steps that when a loan of an in-line credit management system of a borrower is overdue currently, the borrower refuses the loan application;
excessive credit total: when the total amount of credit and guarantee loan on the human credit investigation record of the borrower exceeds 100 ten thousand, refusing the loan application of the borrower;
group credit rules: the in-line credit management system of the borrower belongs to one member of the trust of a conspiracy group, and refuses the loan application of the borrower when the total credit amount of the in-line credit of the group exceeds 1000 ten thousand yuan;
credit card expiration rules: the borrower refuses the loan application when the credit card in the line or the credit card held on the data of the people's bank credit is overdue at present or the historical overdue times exceed 5 times;
other people's bank credit record rules: the borrower refuses the loan application of the borrower when the borrower has debt records, compensation, loan balance and executed targets in the mandatory execution records as all the transaction information which is not fulfilled on the human credit investigation record;
credit rating rules of the borrower: and when the credit rating level in the row of the borrower is too low, the borrower refuses the loan application.
In step S5, the CA signing process includes: generating a PDF format for the electronic loan contract, adding a handwritten signature of a borrower at a specific position, and then carrying out CA signature to generate a secret key to ensure that the electronic loan contract is not modifiable after being generated;
in step S6, the elements required for deposit include: authorization number, loan subject, currency, guarantee mode, contract number, contract amount, loan start date, loan end date, contract interest rate, interest rate floating ratio, penalty ratio, interest rate adjusting mode, interest mark, loan application and repayment account number.
3. A personal online credit method for small and medium-sized banks is characterized in that: the method comprises the following steps:
s1, the bank channel system or the third-party cooperation platform receives a loan application initiated by the borrower, forwards the loan application to the network loan platform, and judges whether the borrower is the borrower or not by the network loan platform, if so, the next step is carried out, and if not, the flow is ended;
s2, the network credit platform provides the electronic credit investigation authorization book to the bank channel system or the third-party cooperation platform to confirm by the borrower, the network credit platform initiates the preposed inquiry of the bank credit investigation information to obtain the key information of the bank credit investigation of the borrower, and if the borrower refuses to confirm the electronic credit investigation authorization book, the flow is ended;
s3, the online loan platform checks the application of the borrower, judges whether the borrower is an inline white list borrower or not according to a white list mechanism, and gives the borrower a relevant amount through rule approval if the borrower is the inline white list borrower; if not, judging the related information of the borrower through a preset approval rule, if the judgment is not passed, refusing the borrower to apply, and if the judgment is passed, giving a credit line to the borrower through a credit model;
s4, the network loan platform provides the electronic loan contract to the bank channel system or the third party cooperation platform for the borrower to sign;
s5, the online loan platform pushes the electronic loan contract signed by the borrower to a CA signing system to complete CA signing, the legality and validity of the loan contract are guaranteed, and the electronic loan contract signed by the CA is pushed to an image platform to be stored;
s6, when the bank channel system or the third-party cooperation platform receives the expenditure application initiated by the borrower, the expenditure application is forwarded to the credit management system and the loan accounting system by the online loan platform, the expenditure application is received by the credit management system and the loan accounting system and the automatic expenditure is completed, the elements required by the loan are pushed to the online loan platform, and the loan transaction is automatically completed;
and S7, after the loan is successfully placed, the network loan platform periodically carries out early warning on the internal and external related risk information of the borrower in batches, and if the related information of the borrower triggers a risk early warning rule, the online loan is timely notified to process the loan.
4. The method of claim 1, wherein the method comprises the following steps:
in step S1, the method of accepting a loan application initiated by the borrower and determining whether the borrower is the self is: carrying out face recognition and living body recognition examination on the borrower, and comparing the face recognition and living body recognition examination with the inventory photo of the borrower in the line or the photo of the public security system so as to judge whether the borrower is the borrower;
in the step S3, the white list mechanism is to record the information related to the offline collected perfect borrower into the system, the system automatically judges whether the recorded information meets the credit admission requirement, if yes, the system obtains the credit line and the validity period of the credit line according to the credit model, then adds the credit line into the internal white list, if not, the system converts the operation into a manual approval process;
the approval rules include:
black list rule: the system automatically refuses the application when the borrower or the spouse thereof is in the blacklist and within the validity period;
controlling repeated loan application rules: only one record of approval, approval passing or effective loan amount is allowed to exist in the online loan platform at the same time, and when the borrower applies more than one record, the borrower refuses subsequent loan application;
age control rules: the borrower's age is required to be more than or equal to 18 years old and the sum of the current age and the loan application period is not more than 60 years old;
the overdue condition rule of the borrower: the method comprises the following steps that when a borrower has a current overdue condition or the historical overdue times are more than or equal to 5 times in an in-line credit management system and pedestrian credit investigation data, the borrower refuses loan application;
rules for the borrower to guarantee the overdue condition: the method comprises the following steps that when a loan of an in-line credit management system of a borrower is overdue currently, the borrower refuses the loan application;
excessive credit total: when the total amount of credit and guarantee loan on the human credit investigation record of the borrower exceeds 100 ten thousand, refusing the loan application of the borrower;
group credit rules: the in-line credit management system of the borrower belongs to one member of the trust of a conspiracy group, and refuses the loan application of the borrower when the total credit amount of the in-line credit of the group exceeds 1000 ten thousand yuan;
credit card expiration rules: the borrower refuses the loan application when the credit card in the line or the credit card held on the data of the people's bank credit is overdue at present or the historical overdue times exceed 5 times;
other people's bank credit record rules: the borrower refuses the loan application of the borrower when the borrower has debt records, compensation, loan balance and executed targets in the mandatory execution records as all the transaction information which is not fulfilled on the human credit investigation record;
credit rating rules of the borrower: refusing the loan application when the credit rating level of the borrower in the line is too low;
in step S5, the CA signing process includes: generating a PDF format for the electronic loan contract, adding a handwritten signature of a borrower at a specific position, and then carrying out CA signature to generate a secret key to ensure that the electronic loan contract is not modifiable after being generated;
in step S6, the elements required for deposit include: authorization number, loan subject, currency, guarantee mode, contract number, contract amount, loan start date, loan end date, contract interest rate, interest rate floating ratio, penalty ratio, interest rate adjusting mode, interest mark, loan application and repayment account number.
5. The utility model provides a personal on-line credit device of middle and small-sized bank which characterized in that: the device is a network loan platform, comprising:
the receiving module is used for receiving a loan application initiated by a borrower, judging whether the borrower is the self, if so, carrying out the next step, and if not, ending the flow;
the preposed credit investigation module is used for providing an electronic credit investigation authorization book to ensure that a borrower confirms the electronic credit investigation authorization book, initiating the preposed inquiry of the information of the credit investigation of the borrower, acquiring the key information of the credit investigation of the borrower, and ending the flow if the borrower refuses the confirmation;
the verifying module is used for verifying the application of the borrower, judging whether the borrower is a inline white list borrower or not according to a white list mechanism, and giving the borrower a relevant amount through rule approval if the borrower is the inline white list borrower; if not, judging the related information of the borrower through a preset approval rule, if the judgment is not passed, refusing the borrower to apply, and if the judgment is passed, giving a credit line to the borrower through a credit model;
the signing module is used for providing an electronic loan contract to sign for a borrower;
the pushing module is used for pushing the electronic loan contract signed by the borrower to the CA signing system to complete CA signing, guarantee the legality and validity of the loan contract and pushing the electronic loan contract signed by the CA to the image platform for storage;
the loan accounting system is used for receiving elements required by loan payment sent by the credit management system and the loan accounting system and automatically completing loan transaction;
and the early warning module is used for regularly and batch early warning the internal and external related risk information of the borrower after successful loan placement, and timely notifying the personnel in the line to process the loan if the risk early warning rule is triggered by the related information of the borrower.
6. The on-line credit facility for small and medium sized banks as claimed in claim 5 wherein:
the method for judging whether the borrower is the borrower or not by the receiving module is as follows: carrying out face recognition and living body recognition examination on the borrower, and comparing the face recognition and living body recognition examination with the inventory photo of the borrower in the line or the photo of the public security system so as to judge whether the borrower is the borrower;
the white list mechanism employed by the audit module is: inputting the relevant information of the borrower which is collected and perfected offline into the system, automatically judging whether the input information meets the credit admission requirement by the system, if so, obtaining a credit line and a validity period of the credit line according to a credit model, then adding a inline white list, and if not, converting into a manual approval process;
the approval rule adopted by the auditing module comprises:
black list rule: the system automatically refuses the application when the borrower or the spouse thereof is in the blacklist and within the validity period;
controlling repeated loan application rules: only one record of approval, approval passing or effective loan amount is allowed to exist in the online loan platform at the same time, and when the borrower applies more than one record, the borrower refuses subsequent loan application;
age control rules: the borrower's age is required to be more than or equal to 18 years old and the sum of the current age and the loan application period is not more than 60 years old;
the overdue condition rule of the borrower: the method comprises the following steps that when a borrower has a current overdue condition or the historical overdue times are more than or equal to 5 times in an in-line credit management system and pedestrian credit investigation data, the borrower refuses loan application;
rules for the borrower to guarantee the overdue condition: the method comprises the following steps that when a loan of an in-line credit management system of a borrower is overdue currently, the borrower refuses the loan application;
excessive credit total: when the total amount of credit and guarantee loan on the human credit investigation record of the borrower exceeds 100 ten thousand, refusing the loan application of the borrower;
group credit rules: the in-line credit management system of the borrower belongs to one member of the trust of a conspiracy group, and refuses the loan application of the borrower when the total credit amount of the in-line credit of the group exceeds 1000 ten thousand yuan;
credit card expiration rules: the borrower refuses the loan application when the credit card in the line or the credit card held on the data of the people's bank credit is overdue at present or the historical overdue times exceed 5 times;
other people's bank credit record rules: the borrower refuses the loan application of the borrower when the borrower has debt records, compensation, loan balance and executed targets in the mandatory execution records as all the transaction information which is not fulfilled on the human credit investigation record;
credit rating rules of the borrower: refusing the loan application when the credit rating level of the borrower in the line is too low;
the CA signing process adopted by the CA signing system comprises the following steps: generating a PDF format for the electronic loan contract, adding a handwritten signature of a borrower at a specific position, and then carrying out CA signature to generate a secret key to ensure that the electronic loan contract is not modifiable after being generated;
the elements required for the deposit received by the deposit module include: authorization number, loan subject, currency, guarantee mode, contract number, contract amount, loan start date, loan end date, contract interest rate, interest rate floating ratio, penalty ratio, interest rate adjusting mode, interest mark, loan application and repayment account number.
7. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method according to claim 1 or 2 when executing the program.
8. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method of claim 1 or 2.
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| CN112734247A (en) * | 2021-01-14 | 2021-04-30 | 上海尧信惠达信息科技有限公司 | Method, system, storage medium and electronic device for automatic approval of guarantee and credit |
| CN113327159A (en) * | 2021-04-23 | 2021-08-31 | 福建省农村信用社联合社 | Bank end loan transaction system and method thereof |
| CN113327159B (en) * | 2021-04-23 | 2022-06-10 | 福建省农村信用社联合社 | Bank end loan transaction system and method thereof |
| CN113554503A (en) * | 2021-05-17 | 2021-10-26 | 广西安怡臣信息技术有限公司 | Small microgrid loan bad asset disposal method |
| CN113962796A (en) * | 2021-10-18 | 2022-01-21 | 蔷薇大树科技有限公司 | Wind control data processing method and system based on user information and electronic equipment |
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Application publication date: 20200728 |