CN113450201A

CN113450201A - Rapid credit granting application security verification system and method

Info

Publication number: CN113450201A
Application number: CN202010217353.2A
Authority: CN
Inventors: 陈然; 杨凌; 陆宇峰; 罗锐; 季勇; 周纬; 刘丙申
Original assignee: Shanghai Ouye Finance Information Service Co ltd
Current assignee: Shanghai Ouye Finance Information Service Co ltd
Priority date: 2020-03-25
Filing date: 2020-03-25
Publication date: 2021-09-28

Abstract

The invention discloses a system and a method for fast credit granting application security verification, wherein the method comprises the following steps: submitting credit application information; checking customer data information; checking the service investigation report information; according to the verified customer information and the service survey report information, the customer information is conformed; calculating a customer rating; calculating an advice amount; risk control auditing calculation; and (4) checking the quota. The invention can analyze and calculate the risk coefficient in the credit business through the system, and apply the calculation result to the credit business, thereby guaranteeing the credit safety and improving the effectiveness and reliability of the credit risk control.

Description

Rapid credit granting application security verification system and method

Technical Field

The invention relates to a verification method, in particular to a system and a method for quickly granting credit and applying for security verification.

Background

Risk control refers to the risk manager taking various measures and methods to eliminate or reduce the various possibilities of occurrence of a risk event, or the risk controller reducing the losses incurred when a risk event occurs. There are always things that cannot be controlled and risks always exist. The prior art takes various measures to reduce the possibility of occurrence of the risk event or control the possible loss within a certain range so as to avoid the loss which is hard to bear when the risk event occurs. The four basic technical schemes of risk control are: risk avoidance, loss control, risk transfer, and risk preservation.

Risk management is the core of credit services, and with the emergence of various intelligent financial applications, financial science and technology has greatly promoted the development of credit intelligent wind control. At present, different pain points exist in links such as pre-shipment audit, in-shipment monitoring and after-shipment management, and in the link of landing wind control of financial science and technology, the technology base and credit process of traditional wind control are optimized or even overturned, so that the intelligent wind control application landing is realized, and the limitation and the spatiality of the traditional wind control which is controlled by experience in a manual mode are broken through.

Disclosure of Invention

Aiming at the problems in the prior art, the invention aims to provide a system and a method for quickly granting credit and applying for security verification.

In order to achieve the purpose, the invention adopts the following technical scheme:

a quick credit granting application security verification method comprises the following steps: submitting credit application information; checking customer data information; checking the service investigation report information; judging whether the information accords with the customer information according to the verified customer information and the service survey report information; calculating a customer rating; calculating an advice amount; risk control auditing calculation; and (4) checking the quota.

Further, verifying the customer profile information includes: importing client data information; judging whether the client data information is complete according to the credit granting application information; and judging whether the credit admission rule is met.

Further, calculating the quota of advice includes: checking the basic information of the client; calculating and correcting the credit line and the credit product information according to the verified matching degree; and generating a wind control audit report.

Further, the risk control audit calculation includes: risk control initial review calculation; adjusting the credit line; and (5) risk control review calculation.

In order to achieve the purpose, the invention also adopts the following technical scheme:

a quick credit granting application security verification system comprises a client, a financial database, a scoring model, a risk management module and a switching calculation module, wherein the client submits credit granting application information; the financial database checks the customer data information, further checks the business investigation report information, and finally judges whether the customer information is met according to the checked customer data information and the business investigation report information; calculating the customer rating by the rating model; the risk management module calculates the suggestion limit; and the switching calculation module executes risk control auditing calculation.

Further, the financial database also performs the following operations: importing client data information; judging whether the client data information is complete according to the credit granting application information; and judging whether the credit admission rule is met.

Further, the risk management module also performs the following operations: checking the basic information of the client; calculating and correcting the credit line and the credit product information according to the verified matching degree; and generating a wind control audit report.

Further, the fusion calculation module performs the following operations: risk control initial review calculation; adjusting the credit line; and (5) risk control review calculation.

In the technical scheme, the risk coefficient in the credit business can be analyzed and calculated through the system, and the calculation result is applied to the credit business, so that the credit safety is guaranteed, and the effectiveness and the reliability of credit risk control are improved.

Drawings

FIG. 1 is a flow chart of the method of the present invention;

fig. 2 is an architectural diagram of the system of the present invention.

Detailed Description

The technical scheme of the invention is further explained by combining the drawings and the embodiment.

Referring to fig. 1, the invention discloses a fast credit granting application security verification system, which mainly comprises the following processes:

step 1: and submitting the credit application information.

The basic credit information is input from the client, and the necessary parameters of the basic credit information comprise an application limit and related data matched with the application limit.

Step 2: and checking the client data information.

Presetting a data template in a financial database, wherein the data template comprises credit basic information corresponding to different types of credits. The financial database imports customer data information from a client, compares the data template with the credit application information, thereby judging whether the customer data information and the credit basic information input from the client are complete or not, and prompting missing information through the comparison of the data template.

And after the financial database judges that all the information is completely input, the financial database generates confirmation information for judging whether the information accords with the credit admission regulation.

And step 3: and checking the service investigation report information.

And (3) after the operation of the step (2) is finished, generating and storing a credit authorization information record by the financial database, wherein the data contained in the financial database comprises two necessary fields of a credit authorization application and a credit authorization material.

And 4, step 4: and judging whether the information conforms to the customer information according to the verified customer information and the service survey report information.

The financial database automatically checks all credit granting data according to the matching keywords of the input content, and the necessary fields contained in the keywords comprise: credit approval information, customer ratings, and other relevant information. And after the system completes automatic verification according to keyword matching, the system generates a service survey report according to the template.

And 5: a customer rating is calculated.

And the scoring model calculates the rating score and the suggestion limit of the corresponding client according to the business survey report, and transmits the information of the rating score and the suggestion limit to the risk management module.

Step 6: and calculating the suggestion amount.

And the risk management module calls the passed credit application from the scoring model, checks related data including checking customer basic information, and calculates and corrects credit limit and credit product information according to the matching degree of the check. After the verification is completed, the risk management module generates a wind control audit report and transmits the wind control audit report to the switching calculation module.

And 7: and (5) risk control auditing calculation.

And the switching calculation module firstly performs risk control preliminary review calculation and performs online fuzzy matching according to specific limits. After the matching is passed, the switching calculation module adjusts the credit line calculation, and adjusts the corresponding credit line and the corresponding product information according to the confirmed credit line and the product information. The switching calculation module is provided with an artificial port and can be used for risk control review calculation, and after the review is successful, the switching calculation module sends an approval completion signal to the risk control review module.

And 8: and (4) checking the quota.

And after the approval is finished, the current approval application is approved, and the system informs the service system of the credit granting result.

On the other hand, as shown in fig. 2, the invention also discloses a fast credit application security verification system, the main modules of which include a client 1, a financial database 2, a scoring model 3, a risk management module 4 and a convergence calculation module 5. The system modules respectively execute the corresponding processes of the method.

Wherein, the client 1 submits the credit application information. The financial database 2 checks the customer data information, further checks the business investigation report information, and finally judges whether the customer information is met according to the checked customer data information and the business investigation report information. The scoring model 3 calculates a customer rating. The risk management module 4 calculates the recommendation amount. And the switching calculation module 5 executes risk control auditing calculation.

It should be understood by those skilled in the art that the above embodiments are only for illustrating the present invention and are not to be used as a limitation of the present invention, and that changes and modifications to the above described embodiments are within the scope of the claims of the present invention as long as they are within the spirit and scope of the present invention.

Claims

1. A quick credit granting application security verification method is characterized by comprising the following steps:

submitting credit application information;

checking customer data information;

checking the service investigation report information;

judging whether the information accords with the customer information according to the verified customer information and the service survey report information;

calculating a customer rating;

calculating an advice amount;

risk control auditing calculation;

and (4) checking the quota.

2. The fast trust application security verification method of claim 1, wherein the verifying the client profile information comprises:

importing client data information;

judging whether the client data information is complete according to the credit granting application information;

and judging whether the credit admission rule is met.

3. The fast trust application security verification method of claim 1, wherein calculating the quota of advice includes:

checking the basic information of the client;

calculating and correcting the credit line and the credit product information according to the verified matching degree;

and generating a wind control audit report.

4. The fast trust application security verification method of claim 1, wherein the risk control audit calculation comprises:

risk control initial review calculation;

adjusting the credit line;

and (5) risk control review calculation.

5. A fast credit granting application security verification system is characterized by comprising:

the system comprises a client, a financial database, a scoring model, a risk management module and a convergence calculation module;

wherein, the client side submits credit application information; the financial database checks the customer data information, further checks the business investigation report information, and finally judges whether the customer information is met according to the checked customer data information and the business investigation report information; calculating the customer rating by the rating model; the risk management module calculates the suggestion limit; and the switching calculation module executes risk control auditing calculation.

6. The fast trust application security verification system of claim 5, wherein the financial database further performs the following operations: