CN112734247A - Method, system, storage medium and electronic device for automatic approval of guarantee and credit - Google Patents
Method, system, storage medium and electronic device for automatic approval of guarantee and credit Download PDFInfo
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Abstract
The invention discloses a method, a system, a storage medium and an electronic device for automatic approval of guarantee and credit, wherein the method for automatic approval of guarantee and credit comprises the following steps: and the data platform of the service system receives the customer information data and stores the customer information data in a classified manner. And checking the basic information data of the client, and inquiring the blacklist matching result and processing the inquiry result if the basic information data of the client passes the checking. And if the client does not hit the blacklist, entering a credit worthiness node to check the credit worthiness of the client. And if the credit worthiness check is passed, calling the income model and the scoring model to perform automatic decision scoring operation on the customer. And entering a rejection stage if the customer score does not meet the admission condition. And if the customer score meets the admission condition, performing credit line calculation and decision strategy calculation to obtain the customer credit line, and performing pricing decision and credit contract creation operation. Therefore, the invention realizes the full automation of wind control in the auditing process, the configurable strategy of the wind control system, low cost and high execution efficiency.
Description
Technical Field
The invention relates to a method, a system, a storage medium and electronic equipment for automatic approval of guarantee and trust.
Background
For the traditional approval process, system audit and manual audit are included, certain limitation exists on the technical level, the circulation parameters are not controllable, if parameters are changed in the requirement, process nodes need to be modified, and the process parameters cannot be customized and configured conveniently and rapidly. The more complicated process change band probability needs to re-customize the node configuration parameters, and then needs to be re-customized or developed. Not only the labor cost is increased, but also the time consumption of the approval process is increased, the cost is higher, and the execution efficiency is lower.
Enterprise-level warranty audits in the market currently mainly require manual intervention to investigate the credit worthiness. For the internet era with priority on efficiency, time consumption and cost are very important. Conventional warranty auditing systems all suffer from this drawback.
The information disclosed in this background section is only for enhancement of understanding of the general background of the invention and should not be taken as an acknowledgement or any form of suggestion that this information forms the prior art already known to a person skilled in the art.
Disclosure of Invention
The invention aims to provide a method, a system, a storage medium and electronic equipment for automatic approval of guarantee and credit, which realize wind control full automation in an auditing process, and have low cost and high execution efficiency.
In order to achieve the above object, in one aspect, the present invention provides a method, a system, a storage medium, and an electronic device for automatic approval of a guarantee and credit, wherein the method for automatic approval of a guarantee and credit includes: and the data platform of the service system receives the customer information data and stores the customer information data in a classified manner. And checking the basic information data of the client, and inquiring the blacklist matching result and processing the inquiry result if the basic information data of the client passes the checking. And if the client does not hit the blacklist, entering a credit worthiness node to check the credit worthiness of the client. And if the credit worthiness check is passed, calling the income model and the scoring model to perform automatic decision scoring operation on the customer. And entering a rejection stage if the customer score does not meet the admission condition. And if the customer score meets the admission condition, performing credit line calculation and decision strategy calculation to obtain the customer credit line, and performing pricing decision and credit contract creation operation. The business system can flexibly modify the credit worthiness node, the credit line and the decision strategy.
In one embodiment of the present invention, the client basic information data includes: and (4) the age, the area and the address, and if the basic information data of the client fails to be verified, entering verification rejection.
In an embodiment of the present invention, a customer who has unclear customer credit information or cannot perform credit standing check in the credit standing check enters a manual verification stage, and is manually verified.
In one embodiment of the present invention, a customer who is unable to perform automatic decision scoring enters a manual review phase.
The invention provides an automatic approval system for guarantee credit, which comprises a server and a client. The server is internally provided with a data platform. The client is in communication connection with the server. The data platform of the service system receives the client information data sent by the client and stores the client information data in a classified manner. And checking the basic information data of the client, and inquiring the blacklist matching result and processing the inquiry result if the basic information data of the client passes the checking. And if the client does not hit the blacklist, entering a credit worthiness node to check the credit worthiness of the client. And if the credit worthiness check is passed, calling the income model and the scoring model to perform automatic decision scoring operation on the customer. And entering a rejection stage if the customer score does not meet the admission condition. And if the customer score meets the admission condition, performing credit line calculation and decision strategy calculation to obtain the customer credit line, and performing pricing decision and credit contract creation operation. The business system can flexibly modify the credit worthiness node, the credit line and the decision strategy.
In one embodiment of the present invention, the client basic information data includes: and (4) the age, the area and the address, and if the basic information data of the client fails to be verified, entering verification rejection.
In an embodiment of the present invention, a customer who has unclear customer credit information or cannot perform credit standing check in the credit standing check enters a manual verification stage, and is manually verified.
In one embodiment of the present invention, a customer who is unable to perform automatic decision scoring enters a manual review phase.
Compared with the prior art, the method, the system, the storage medium and the electronic equipment for automatic approval of guarantee and credit according to the invention realize full automation of wind control in the auditing process, configurable strategy of a wind control system, low cost and high execution efficiency.
Drawings
FIG. 1 is a schematic flow diagram of a method for automated approval of a guarantee credit in accordance with one embodiment of the present invention;
FIG. 2 is a logic flow diagram of a method for automated approval of a guarantee credit in accordance with one embodiment of the present invention;
FIG. 3 is a block diagram representation of a system for automated approval of a guarantee credit in accordance with one embodiment of the present invention;
fig. 4 is a block diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The following detailed description of the present invention is provided in conjunction with the accompanying drawings, but it should be understood that the scope of the present invention is not limited to the specific embodiments.
Throughout the specification and claims, unless explicitly stated otherwise, the word "comprise", or variations such as "comprises" or "comprising", will be understood to imply the inclusion of a stated element or component but not the exclusion of any other element or component.
Fig. 1 is a flow diagram illustrating a method for automated approval of a guarantee credit according to an embodiment of the present invention. FIG. 2 is a logic flow diagram of a method for automated approval of a guarantee credit in accordance with an embodiment of the present invention.
In a first aspect, an embodiment of the present invention provides an automatic approval method for guarantee credit, as shown in fig. 1, including:
step 1, a data platform of a service system receives customer information data and stores the customer information data in a classified manner;
step 2, checking the basic information data of the client, and inquiring the blacklist matching result and processing the inquiry result if the basic information data of the client passes the checking;
step 3, if the client does not hit the blacklist, entering a credit worthiness node to check the credit worthiness of the client;
step 4, if credit worthiness check passes, calling a income model and a scoring model to perform automatic decision-making scoring operation on the customer;
step 5, entering a rejection stage if the customer score does not meet the admission condition;
and 6, if the customer score meets the admission condition, performing credit line calculation and decision strategy calculation to obtain the customer credit line, and performing pricing decision and credit contract creation operation.
The business system can flexibly modify the credit worthiness node, the credit line and the decision strategy.
In one embodiment of the present invention, the client basic information data includes: and (4) the age, the area and the address, and if the basic information data of the client fails to be verified, entering verification rejection. And (4) the customer whose credit information is unclear or the customer who can not carry out credit information inspection in the credit information inspection enters a manual verification stage and is manually verified. Customers who cannot perform automatic decision scoring enter the manual review phase.
In a second aspect, an embodiment of the present invention further provides an automatic approval system for guarantee and trust, as shown in fig. 3, including a server 1 and a client 2. The server 1 has a data platform built therein. The client 2 is connected with the server 1 in communication. The data platform of the service system receives the client information data sent by the client and stores the client information data in a classified manner. And checking the basic information data of the client, and inquiring the blacklist matching result and processing the inquiry result if the basic information data of the client passes the checking. And if the client does not hit the blacklist, entering a credit worthiness node to check the credit worthiness of the client. And if the credit worthiness check is passed, calling the income model and the scoring model to perform automatic decision scoring operation on the customer. And entering a rejection stage if the customer score does not meet the admission condition. And if the customer score meets the admission condition, performing credit line calculation and decision strategy calculation to obtain the customer credit line, and performing pricing decision and credit contract creation operation. The business system can flexibly modify the credit worthiness node, the credit line and the decision strategy.
In one embodiment of the present invention, the client basic information data includes: and (4) the age, the area and the address, and if the basic information data of the client fails to be verified, entering verification rejection. And (4) the customer whose credit information is unclear or the customer who can not carry out credit information inspection in the credit information inspection enters a manual verification stage and is manually verified. Customers who cannot perform automatic decision scoring enter the manual review phase.
In a third aspect, an embodiment of the present invention further provides a storage medium, where the storage medium stores computer-executable instructions, and the computer-executable instructions are configured to execute the method for automatic approval of guarantee and trust.
The storage medium may be any available medium or data storage device that can be accessed by a computer, including but not limited to magnetic memory (e.g., floppy disks, hard disks, magnetic tape, magneto-optical disks (MOs), etc.), optical memory (e.g., CDs, DVDs, BDs, HVDs, etc.), and semiconductor memory (e.g., ROMs, EPROMs, EEPROMs, nonvolatile memory (NAND FLASH), Solid State Disks (SSDs)), etc.
In a fourth aspect, fig. 4 shows a block diagram of an electronic device according to another embodiment of the invention. The electronic device 1100 may be a host server with computing capability, a personal computer PC, or a portable computer or terminal that is portable, or the like. The specific embodiment of the present invention does not limit the specific implementation of the electronic device.
The electronic device 1100 includes at least one processor (processor)1110, a Communications Interface 1120, a memory 1130, and a bus 1140. The processor 1110, the communication interface 1120, and the memory 1130 communicate with each other via the bus 1140.
The communication interface 1120 is used for communicating with network elements including, for example, virtual machine management centers, shared storage, etc.
Processor 1110 is configured to execute programs. Processor 1110 may be a central processing unit CPU, or an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement embodiments of the present invention.
The memory 1130 is used for executable instructions. The memory 1130 may comprise high-speed RAM memory, and may also include non-volatile memory (non-volatile memory), such as at least one disk memory. The memory 1130 may also be a memory array. The storage 1130 may also be partitioned and the blocks may be combined into virtual volumes according to certain rules. The instructions stored in memory 1130 are executable by processor 1110 to enable processor 1110 to perform a method for vouching for an approval in any of the method embodiments described above.
In practical application, the method, the system, the storage medium and the electronic equipment for automatic approval of guarantee and credit are based on an automatic auditing process of a distributed system, and after a client submits a credit application, the system automatically scores the client. The credit granting system end is configured with stage nodes required by the credit granting process, and comprises (a basic information checking stage, a credit granting checking stage and a strategy limit pricing stage) that the wind control system is required to automatically check in each stage of circulation, and whether the checking result is circulated to the next stage is given by the risk strategy. The wind control system strategy adopts a configurable scheme, the strategy scheme can be flexibly modified, and systematic professional strategy opinions are given for different crowds. The basis for scoring the customer is the basic attributes (age, sex), social attributes (academic calendar, work), credit attributes (historical loan and repayment situation) and the like of the customer, the attributes of the customer are put into a scoring card model, and the scoring card model carries out scoring operation on the customer. The credit card model is used for scoring credit of the client by utilizing a certain credit scoring model according to various attributes and behavior data of the client, and accordingly determining whether credit is given or not and the amount and interest rate of the credit so as to identify and reduce transaction risks in financial transactions. And the automatic audit of the risk control system comprises the following steps: in the basic information checking stage, the basic information of the client including age, region, industry, mobile phone number, occupation and the like is automatically checked according to the wind control rule; a credit standing inspection stage, which is used for carrying out credit standing inspection on the client according to the internal credit standing and the accessed external credit standing and providing a credit standing inspection result according to the comprehensive credit standing inspection result; and in the strategy limit pricing stage, the user indexes are quantitatively graded facing the clients passing the admission rules and the credit worthiness inspection, the client information is input for grading and summarizing by setting weight, index values, namely corresponding scores, the score grades are divided by quantitatively grading, and limit pricing of the clients is determined.
The business system synchronously transmits application data of a current client to the wind control real-time engine in real time to obtain credit scoring and auditing suggestions of the current client, the wind control engine carries out risk assessment according to historical wind control data and third-party wind control data accumulated by a company, the wind control engine is built on a rule engine Drools basis, the rule engine is decoupled with the wind control system and rules, and wind control or auditing personnel can flexibly modify the rules, so that the strategy of the wind control system is flexibly modified.
The method comprises the steps of grouping clients according to a grading rule, grading indexes of the clients quantitatively, for example, grading and summarizing user information by setting weights, wherein the index values are corresponding scores, such as ages, academic calendars, sexes and the like can be used as grading items, grading is carried out by index quantization, and the clients can be naturally layered after grading is finished, so that high-quality clients and common clients are identified, and corresponding auditing opinions and pricing opinions are given according to different layered clients.
And the basis for the wind control personnel to set rules can comprise: 1. policy supervision type mandatory supervision type stipulations; 2. company policy or business permission classes; 3. the blacklist category is mainly divided into an internal blacklist (a blacklist accumulated by a plurality of products inside a company), an external blacklist (an external third party blacklist or poor data) 4 and common debt categories (internal common debt and external common debt), and is generally obtained by data query of a third party; 5. anti-fraud class, mainly aimed at anti-fraud individuals or groups; 6. a rating rejection class, which is mainly customers rejected by the rating card model; 7. in addition to the above rules: and the wind control personnel can also carry out data analysis according to business experience and expert experience according to the historical data performance of the client so as to formulate a wind control rule. The rules are stored in a decision engine system, which is installed in the server. For storing rules and providing automated decision making and risk review. The wind control strategy of the final node is to formulate credit investigation rules according to past and current negative information (judicial enforcement, debt, administrative punishment and the like), overdue information, multi-debt sharing information, external guarantee and the like of an application client in the personal credit investigation. And identifying and judging the existing default risk by the liability condition and the credit overdue condition of the client.
In detail, as shown in fig. 2:
1. admission check phase
(1) The application service system uploads the client data to a data platform, and the data platform stores the client data in a classified manner;
(2) applying for checking the basic information of the client, wherein the checking comprises checking the basic age, the area and the address of the client;
(3) if the verification is not passed, entering verification rejection;
(4) if the verification is passed, inquiring the blacklist matching result and processing the inquiry result;
(5) if the client hits the blacklist, checking and rejecting;
(6) if the client does not hit the blacklist, the credit admission scoring inspection is executed to decide the client type;
2. credit investigation phase
(1) Executing a credit worthiness node to check the credit worthiness condition of a client;
(2) if the credit worthiness check is not passed, directly rejecting the credit worthiness check;
(3) the method comprises the following steps that a client who has unclear client credit information or can not carry out credit information examination enters a manual verification stage and is manually verified;
(4) if the credit investigation passes, entering into the grade limit strategy stage;
3. line scoring strategy stage
(1) Calling a income Model, a scoring card Model and a manual Model to score the client decision;
(2) if the customer score does not meet the admission condition, entering a rejection stage;
(3) if the customer who can not execute the automatic decision enters into the manual checking stage;
(4) if the customer score meets the admission condition, executing a credit line calculation decision strategy to calculate the credit line of the customer;
4. stage of artificial verification
(1) A manual auditing stage for the client with unclear or unclear information and no automatic decision making;
(2) the customer that the electric core passes enters the final stage of examining;
(3) the client refused by the electric core enters an auditing refusing stage;
5. final stage of examination
(1) If the electricity core passes through the customer which is manually checked, entering a final checking stage;
(2) the final-audited client enters an auditing passing stage;
(3) the final-audit rejected client enters an audit rejection stage;
6. passing through stage
(1) Performing pricing decision on the client passing the audit;
(2) creating a credit contract for the client passing the verification;
7. a rejection phase.
In a word, the method, the system, the storage medium and the electronic equipment for automatic approval of guarantee and credit of the invention realize wind control full automation in the auditing process, and have low cost and high execution efficiency. The problem that the traditional guarantee auditing process is strongly dependent on personnel is solved, and a large amount of labor cost is released. Through the automatic screening customer of system, very big reduction the wrong selection mistake selection probability that human error leads to. The automatic auditing process system is decoupled with the wind control system, so that the system maintenance cost is reduced, and the strategy scheme can be flexibly modified. And flexibly configuring auditing credit authorization workflow nodes and flexible online/offline wind control system rules.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. 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.
The foregoing descriptions of specific exemplary embodiments of the present invention have been presented for purposes of illustration and description. It is not intended to limit the invention to the precise form disclosed, and obviously many modifications and variations are possible in light of the above teaching. The exemplary embodiments were chosen and described in order to explain certain principles of the invention and its practical application to enable one skilled in the art to make and use various exemplary embodiments of the invention and various alternatives and modifications as are suited to the particular use contemplated. It is intended that the scope of the invention be defined by the claims and their equivalents.
Claims (10)
1. A method for automatic approval of guarantee credit, comprising:
a data platform of the service system receives the customer information data and stores the customer information data in a classified manner;
checking the basic information data of the client, and inquiring the blacklist matching result and processing the inquiry result if the checking is passed;
if the client does not hit the blacklist, entering a credit worthiness node to check the credit worthiness condition of the client;
if the credit worthiness check passes, calling a income model and a scoring model to perform automatic decision scoring operation on the customer;
if the customer score does not meet the admission condition, entering a rejection stage;
if the customer score meets the admission condition, the credit line calculation and the decision strategy calculation are executed, so that the customer credit line is obtained, and the pricing decision and the credit contract creating operation are executed;
the business system can flexibly modify credit worthiness nodes, credit lines and decision strategies.
2. The method of claim 1, wherein the customer base information data comprises: and (4) the age, the area and the address, and if the basic information data of the client fails to be verified, entering verification rejection.
3. The method of claim 1, wherein the customer whose credit information is unclear or whose credit information cannot be checked in the credit authorization check enters a manual verification stage and is manually verified.
4. The method of claim 1, wherein a customer unable to perform the automated decision scoring enters a manual review phase.
5. A system for automatic approval of guarantee and credit, comprising:
a server with a data platform inside; and
the client is in communication connection with the server;
the data platform of the service system receives the client information data sent by the client and stores the client information data in a classified manner;
checking the basic information data of the client, and inquiring the blacklist matching result and processing the inquiry result if the checking is passed;
if the client does not hit the blacklist, entering a credit worthiness node to check the credit worthiness condition of the client;
if the credit worthiness check passes, calling a income model and a scoring model to perform automatic decision scoring operation on the customer;
if the customer score does not meet the admission condition, entering a rejection stage; and
if the customer score meets the admission condition, the credit line calculation and the decision strategy calculation are executed, so that the customer credit line is obtained, and the pricing decision and the credit contract creating operation are executed;
the business system can flexibly modify credit worthiness nodes, credit lines and decision strategies.
6. The method of automated approval of a guaranty trust of claim 5, wherein the customer base information data comprises: and (4) the age, the area and the address, and if the basic information data of the client fails to be verified, entering verification rejection.
7. The method of claim 5, wherein the credit warranty verification is performed manually if the credit warranty information of the client in the credit warranty verification is unclear or the client who cannot perform the credit warranty verification enters a manual verification stage.
8. The method of claim 5, wherein a customer unable to perform the automated decision scoring enters a manual review phase.
9. A storage medium having stored thereon computer-executable instructions for performing the method of automated approval of a warranty claim of any one of claims 1-4.
10. An electronic device, comprising:
at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method for automated approval of a secured credit of any one of claims 1-4.
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113793132A (en) * | 2021-09-24 | 2021-12-14 | 上海通联金融服务有限公司 | Automatic approval method, system and terminal based on machine learning |
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| CN113793132A (en) * | 2021-09-24 | 2021-12-14 | 上海通联金融服务有限公司 | Automatic approval method, system and terminal based on machine learning |
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| CN114820170A (en) * | 2022-05-05 | 2022-07-29 | 中国农业银行股份有限公司 | Customer admission method and device |
| CN116452324A (en) * | 2023-06-14 | 2023-07-18 | 北京江融信科技有限公司 | Authorization check item parameterization configuration method and device based on transaction |
| CN116452324B (en) * | 2023-06-14 | 2023-09-15 | 北京江融信科技有限公司 | Authorization check item parameterization configuration method and device based on transaction |
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