CN114240100A

CN114240100A - Loan assessment method, loan assessment device, loan assessment computer equipment and loan assessment storage medium

Info

Publication number: CN114240100A
Application number: CN202111460946.2A
Authority: CN
Inventors: 李雯; 陶涛; 徐静; 刘英华; 韩宇宁
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-12-02
Filing date: 2021-12-02
Publication date: 2022-03-25

Abstract

The application relates to a loan assessment method, apparatus, computer device, storage medium and computer program product, applied to a loan assessment server, the method comprising: acquiring a plurality of initial auditing indexes of an enterprise user and index data corresponding to each auditing index in the plurality of initial auditing indexes; screening the plurality of initial auditing indexes according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes to obtain a plurality of target auditing indexes; and determining whether the enterprise user meets the loan requirement or not according to the index data corresponding to the target auditing indexes. The loan assessment method provided by the application can avoid the problems that the loan application passing rate of the small and micro enterprise users is low and the applied loan amount is low due to the assessment of the loan qualification of all the small and micro enterprise users by a cutting credit granting admission standard passed by a credit agency.

Description

Loan assessment method, loan assessment device, loan assessment computer equipment and loan assessment storage medium

Technical Field

The present application relates to the field of big data analysis technologies, and in particular, to a loan assessment method, apparatus, computer device, storage medium, and computer program product.

Background

The small and micro enterprises are the basic cells of national economy, and are small and micro in activity, vigorous in employment and good in economy. In order to strengthen the support of small and medium enterprises and support enterprise innovation, a batch of 'smart and special new' small and medium enterprises are cultivated. The method provides the small loan service for short-term production and operation turnover for small and micro enterprises.

The traditional small-micro credit granting model is generally based on credit rating indexes such as personal credit, enterprise credit, scoring cards and the like as a cutting credit granting admission standard, a certain credit granting amount is provided for a client according to a simple and single data source, and the credit granting reference dimension is monotonous, so that the loan application passing rate of a small-micro enterprise is lower, and the applied loan amount is lower.

Disclosure of Invention

Loan assessment methods, apparatus, computer devices, computer-readable storage media, and computer program products are provided. The method can avoid the problems that the loan application passing rate of the small and micro enterprise users is low and the applied loan amount is low because all the small and micro enterprise users are evaluated by the credit agency through the one-time credit granting admission standard.

In a first aspect, the present application provides a loan assessment method applied to a loan assessment server, the method comprising:

acquiring a plurality of initial auditing indexes of an enterprise user and index data corresponding to each auditing index in the plurality of initial auditing indexes;

screening the plurality of initial auditing indexes according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes to obtain a plurality of target auditing indexes; the correlation between the target auditing index and the performance capability is greater than a preset threshold value;

and determining whether the enterprise user meets the loan requirement or not according to the index data corresponding to the target auditing indexes.

In a second aspect, the present application also provides a loan assessment apparatus comprising:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring a plurality of initial auditing indexes of an enterprise user and index data corresponding to each auditing index in the plurality of initial auditing indexes;

the screening module is used for screening the plurality of initial auditing indexes according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes to obtain a plurality of target auditing indexes; the correlation between the target auditing index and the performance capability is greater than a preset threshold value;

and the determining module is used for determining whether the enterprise user meets the loan requirement according to the index data corresponding to the target auditing indexes.

In a third aspect, the present application provides a computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the steps of the method of any one of the above when executing the computer program:

in a fourth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the method of any one of the above.

In a fifth aspect, the present application provides a computer program product comprising a computer program which, when executed by a processor, performs the steps of the method of any one of the above.

The loan assessment method, device, computer equipment, storage medium and computer program product provided by the application are applied to a loan assessment server, and the method comprises the following steps: acquiring a plurality of initial auditing indexes of an enterprise user and index data corresponding to each auditing index in the plurality of initial auditing indexes; screening the plurality of initial auditing indexes according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes to obtain a plurality of target auditing indexes; the correlation between the target auditing index and the performance capability is greater than a preset threshold value; and determining whether the enterprise user meets the loan requirement or not according to the index data corresponding to the target auditing indexes. The loan assessment method provided by the application is used for screening out the auditing indexes which have strong correlation with the performance capability of the small and micro enterprise users from the auditing indexes so as to audit whether the small and micro enterprise users meet the loan requirements, and can avoid the problems that the loan application passing rate of the small and micro enterprise users is low and the applied loan amount is low because the loan qualification is assessed on all the small and micro enterprise users by a cutting credit granting admission standard passed by a credit agency.

Drawings

FIG. 1 is a diagram of an exemplary loan assessment method;

FIG. 2 is a flow diagram illustrating a method of loan assessment, in accordance with one embodiment;

FIG. 3 is a schematic flow chart of a loan assessment method in another embodiment;

FIG. 4 is a schematic flow chart of a loan assessment method in another embodiment;

FIG. 5 is a schematic flow chart of a loan assessment method in another embodiment;

FIG. 6 is a schematic flow chart of a loan assessment method in another embodiment;

FIG. 7 is a schematic flow chart of a loan assessment method in another embodiment;

FIG. 8 is a block diagram of the structure of a loan assessment apparatus in one embodiment;

FIG. 9 is a diagram illustrating an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The loan assessment method provided by the embodiment of the application can be applied to the application environment shown in fig. 1. Wherein the small micro business user's terminal 102 communicates with the credit agency's loan assessment server 104 over a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the credit agency's loan assessment server 104, or may be located on the cloud or other network server. The method comprises the steps that a small and micro enterprise user sends a loan application to a loan evaluation server 104 of a credit institution through a terminal 102, the loan application comprises a plurality of auditing indexes for loan qualification evaluation of the loan evaluation server 104 of the credit institution, after the loan evaluation server 104 of the credit institution receives the loan application of the small and micro enterprise user, the auditing indexes with strong correlation with performance capability of the small and micro enterprise user are screened out from the auditing indexes so as to audit whether the small and micro enterprise user meets loan requirements, and the problems that the loan application passing rate of the small and micro enterprise user is low and the applied loan amount is low due to the fact that the loan application passing rate of the small and micro enterprise user is evaluated by a cutting credit admission standard passed by the credit institution for all the small and micro enterprise users can be avoided. The terminal 102 may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices. The portable wearable device can be a smart watch, a smart bracelet, a head-mounted device, and the like. The loan evaluation server 104 may be implemented as a stand-alone server or as a server cluster of multiple servers.

In one embodiment, as shown in FIG. 2, a loan assessment method is provided, which is illustrated by applying the method to the loan assessment server in FIG. 1, and comprises the following steps:

step S202, a plurality of initial auditing indexes of the enterprise user and index data corresponding to each auditing index in the plurality of initial auditing indexes are obtained.

The enterprise users are small and micro enterprise users, and the small and micro enterprises have the characteristics of small scale, small capital pool, insufficient fund liquidity, weak loan repayment capacity and the like, so that the small and micro enterprises are difficult to suffer from high bad loan occurrence rate, long collection time, high cost, large capital risk and the like compared with large enterprise loans, and many credit institutions are reluctant to provide loan services or loan services with extremely small limits for the small and micro enterprises. However, small and micro enterprises are basic cells of national economy, and are small and micro living, employment prosperous and economic, so that the healthy development of the small and micro enterprises needs to be greatly supported, the loan support of the small and micro enterprises is improved, the healthy development of the small and micro enterprises is promoted, and the prosperous development of social economy is promoted.

When a small and micro enterprise user needs to apply for a loan, sending a loan application to a loan evaluation server of a credit institution through a terminal, wherein the loan application comprises a plurality of auditing indexes of the small and micro enterprise user, and the auditing indexes can be auditing indexes specified by the credit institution or all auditing indexes which can be provided by the small and micro enterprise user and are used for loan qualification auditing. In order to facilitate the loan assessment server of the credit agency to carry out loan qualification audit on the small and micro enterprise user, the loan application of the small and micro enterprise user also comprises index data corresponding to each audit index. The index data may be obtained by the loan assessment server of the credit agency from other system servers according to the information of the small and micro-business, or may be provided by the user of the small and micro-business, which is not limited in the present application.

After the loan evaluation server of the credit agency obtains the initial auditing indexes for evaluating the loan qualification of the small and micro enterprise user, each auditing index can be preprocessed so as to facilitate the unified identification and calculation of the subsequent loan evaluation server. The pre-processing of the audit metrics may include: conversion data format, data sampling, conversion metric, etc., which are not limited in this application.

Step S204, screening the plurality of initial auditing indexes according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes to obtain a plurality of target auditing indexes; the correlation between the target auditing index and the performance capability is larger than a preset threshold value.

According to the above, after receiving the multiple initial audit indexes sent by the small and micro enterprise user through the terminal, the loan assessment server of the credit agency needs to screen the multiple initial audit indexes to obtain multiple target audit indexes. Because different small and micro enterprises have differences of different capital scales, different business operations, different AUM values, different financial transaction information, different anti-money laundering basic information and the like, the screening aims to audit the loan application of the small and micro enterprise users through a plurality of audit indexes which influence the performance capability of the small and micro enterprise users from the audit indexes of the small and micro enterprise users. The method can carry out differentiated loan qualification evaluation standards on different small and micro enterprise users, and avoids the problems that the small and micro enterprise users are difficult to apply for loans and the applied loan amount is low due to a simple loan qualification evaluation method. The performance capability represents the timely repayment capability of the small and micro enterprise user after applying for the loan, and the strength of the performance capability of the small and micro enterprise user is related to the correlation between a plurality of initial auditing indexes of the small and micro enterprise and the performance capability. The correlation between the audit index and the performance capability may be determined by the contribution degree of the audit index to the performance capability, or may be determined according to the preset corresponding relationship information between the audit index and the performance capability, which is not limited in this application.

Exemplary auditing indicators required by a credit agency's loan assessment server in assessing loan eligibility for small business users include: the method comprises the following steps of establishing an enterprise age limit, the industry of the enterprise, the public credit line of the enterprise, the historical credit record of the enterprise, the foreign exchange transaction record of the enterprise, the international settlement transaction record of the enterprise, the historical bad credit record of the enterprise, the classification of the external network of the enterprise, the age of the actual controller of the enterprise, whether the actual controller of the enterprise has a record of classifying loan risks into secondary and lower levels in 2 years, the state of the debt items which are not settled by the enterprise in the same industry, the basic information of the anti-money laundering of the enterprise, whether the enterprise has a rating, the credit line, the credit balance and other auditing indexes. The industry to which the small micro enterprise user A belongs is a first-class industry which meets the requirements of a credit agency, the establishment age of the enterprise is greater than the reference age set by the credit agency, the historical credit records of the enterprise are greater than the reference number of the credit agency, the enterprise has foreign exchange transaction records related to the credit agency, the historical bad credit records of the enterprise are greater than the reference number of the credit agency, and the like; if the loan evaluation server of the credit agency evaluates the loan qualification of the small and micro enterprise user A through the enterprise establishment period, the industry to which the small and micro enterprise user B belongs and the foreign exchange transaction record of the enterprise, the probability that the small and micro enterprise user A meets the requirement of the loan is greatly improved. Similarly, for the small-sized enterprise user B, if the loan assessment server of the credit agency assesses the loan qualification of the small-sized enterprise user B through the historical credit records of the enterprise, the historical bad credit records of the enterprise and the public credit line of the enterprise, the probability that the small-sized enterprise user B meets the loan requirement is greatly improved.

And step S206, determining whether the enterprise user meets the loan requirement according to the index data corresponding to the target auditing indexes.

After a plurality of target audit indexes are screened from a plurality of initial audit indexes according to the screening rule, the index data corresponding to the target audit indexes can be input into the corresponding loan assessment model to determine whether the enterprise user meets the loan requirement; the index data corresponding to the target auditing index can be evaluated one by one according to loan evaluation rules preset by a credit agency to determine whether the enterprise user meets the loan requirement; the method may further include calculating index data corresponding to the target audit index according to a preset algorithm, and determining whether the enterprise user meets the loan requirement or not according to a calculation result, which is not limited in the present application.

The loan assessment method provided by the application is applied to a loan assessment server and comprises the following steps: acquiring a plurality of initial auditing indexes of an enterprise user and index data corresponding to each auditing index in the plurality of initial auditing indexes; screening the plurality of initial auditing indexes according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes to obtain a plurality of target auditing indexes; the correlation between the target auditing index and the performance capability is greater than a preset threshold value; and determining whether the enterprise user meets the loan requirement or not according to the index data corresponding to the target auditing indexes. The loan assessment method provided by the application is used for screening out the auditing indexes which have strong correlation with the performance capability of the small and micro enterprise users from the auditing indexes so as to audit whether the small and micro enterprise users meet the loan requirements, and can avoid the problems that the loan application passing rate of the small and micro enterprise users is low and the applied loan amount is low because the loan qualification is assessed on all the small and micro enterprise users by a cutting credit granting admission standard passed by a credit agency.

In one embodiment, as shown in fig. 3, this embodiment is an alternative method embodiment for determining the correlation between the initial audit trail and the performance capability, and the method embodiment includes:

step S302, determining the correlation between the initial auditing indexes and the performance capability according to the contribution degrees of the initial auditing indexes to the performance capability; the contribution degree characterizes the influence degree of the auditing indexes on the performance capability.

Step S304, determining the initial auditing index with the correlation with the performance capability larger than a preset threshold value in the plurality of initial auditing indexes as a target auditing index.

The contribution degree represents the degree of influence of a dependent variable on the change of an independent variable, namely, a dependent variable has a great influence on the change of an independent variable, and then the contribution degree of the dependent variable on the independent variable is larger. Here, the dependent variable is a plurality of initial auditing indexes of the small and micro enterprise user, and the independent variable is the performance capability of the small and micro enterprise user. The method comprises the steps of determining the correlation between the initial auditing indexes and the performance capability according to the single contribution degree of each initial auditing index to the performance capability; determining the correlation between the initial auditing indexes and the performance capability according to the joint contribution degree of the initial auditing indexes to the performance capability; the method may further include preliminarily screening a plurality of initial audit indexes according to the single contribution degree of each initial audit index to the performance capability to obtain a plurality of intermediate audit indexes, determining the correlation between the intermediate audit indexes and the performance capability according to the joint contribution degree of the plurality of intermediate audit indexes to the performance capability, screening a target audit index from the plurality of intermediate audit indexes, and the like, without limitation.

Then, the loan evaluation server may determine the correlation between the initial audit indicator and the performance capability according to the method for determining the correlation between the initial audit indicator and the performance capability, and then determine the initial audit indicator, which is greater than a preset threshold value in the correlation between the initial audit indicator and the performance capability, as a target audit indicator. The preset values may be determined from historical relevance data.

According to the loan assessment method, the relevance between the initial auditing indexes and the performance ability is determined according to the contribution degree of the initial auditing indexes to the performance ability, and the contribution degree of the dependent variable and the independent variable can represent the influence degree of the dependent variable on the independent variable, so that the relevance is determined according to the contribution degree, the relevance is determined to have evaluation significance, and meanwhile, the relevance is determined more accurately.

In one embodiment, as shown in fig. 4, this embodiment is an optional method embodiment for determining the correlation between the initial review indicators and the performance capability according to the contribution degrees between the initial review indicators and the performance capability, where the method embodiment includes:

step S402, determining a single contribution degree of each initial auditing index in the plurality of initial auditing indexes to the performance ability through a univariate analysis method according to index data corresponding to each initial auditing index in the plurality of initial auditing indexes, wherein the single contribution degree represents the influence degree of the single auditing index to the performance ability;

step S404, determining the correlation between the initial auditing indexes and the performance capability according to the single contribution degree of each initial auditing index in the plurality of initial auditing indexes to the performance capability.

Optionally, if the single contribution degree of the initial auditing index to the performance capability is greater than or equal to a preset threshold, determining that the correlation between the initial auditing index and the performance capability is greater than the preset threshold;

and if the single contribution degree of the initial auditing index to the performance capability is smaller than a preset threshold value, determining that the correlation between the initial auditing index and the performance capability is smaller than the preset threshold value.

The univariate analysis method is a method for analyzing the influence degree of a single dependent variable on an independent variable, namely analyzing the influence degree of each initial auditing index in a plurality of initial auditing indexes on the performance capability. The correlation between the initial review index and the performance capability is determined according to the single contribution degree of each initial review index to the performance capability, for example, the correlation between the initial review index and the performance capability may be determined to be strong when the single contribution degree of each initial review index to the performance capability is greater than a preset threshold.

By way of example, the single contribution degree to the performance capability can be calculated through data corresponding to the enterprise establishment age of the small micro enterprise user A, the industry of the enterprise, the enterprise to public credit line, the enterprise historical credit record, the enterprise foreign exchange transaction record, the enterprise international settlement transaction record, the enterprise historical bad credit record, the enterprise external classification, the age of the enterprise actual controller, whether the loan risk of the enterprise actual controller is classified into secondary and below 2 years, the state of the enterprise in the same industry without clearing up debt items, the enterprise cashback basic information, whether the enterprise has rating, the credit line and the credit balance, if the single contribution degree to the performance capability is 30% in the enterprise establishment age, 60% in the industry to the performance capability, 70% in the enterprise to the public credit line, 40% in the enterprise historical record, The single contribution degree of the enterprise foreign exchange transaction record to the performance capability is 80%, the single contribution degree of the enterprise international settlement transaction record to the performance capability is 10%, and the like. If the preset threshold of the single contribution degree is set to 50%, it may be determined that the single contribution degree of the auditing indexes of the industry to which the enterprise belongs, the public credit line of the enterprise and the foreign exchange transaction record to the performance capability is greater than or equal to the preset threshold, that is, the correlation between the auditing indexes and the performance capability is greater than the preset threshold. Otherwise, the correlation between the establishment age of the enterprise, the historical credit records of the enterprise and the international settlement transaction records of the enterprise and the performance capability is less than the preset threshold value.

According to the loan assessment method, the single contribution degree of the plurality of initial auditing indexes to the performance capability is obtained through a univariate analysis method, the correlation between the initial auditing indexes and the performance capability is analyzed according to the single contribution degree, the calculation method of the single contribution degree is simple, and a complex process is not needed, so that the loan assessment server can be helped to quickly determine the correlation between the auditing indexes and the performance capability, and the loan assessment efficiency of the loan assessment server to enterprise users is improved.

In one embodiment, as shown in fig. 5, this embodiment is an optional method embodiment for determining the correlation between the initial review indicators and the performance capability according to the contribution degrees between the initial review indicators and the performance capability, where the method embodiment includes:

step S502, determining the joint contribution degree of the plurality of initial auditing indexes to the performance ability through a multivariate analysis method according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes, wherein the joint contribution degree characterizes the influence degree of the plurality of auditing indexes on the performance ability;

step S504, determining the correlation between the initial auditing indexes and the performance ability according to the joint contribution degree of the initial auditing indexes to the performance ability.

Optionally, if the joint contribution degree of the plurality of initial auditing indexes to the performance capability is greater than or equal to a preset threshold, determining that the correlation between the initial auditing indexes and the performance capability is greater than the preset threshold;

and if the joint contribution degree of the plurality of initial auditing indexes to the performance capability is smaller than a preset threshold value, determining that the correlation between the initial auditing indexes and the performance capability is smaller than the preset threshold value.

The multivariate analysis method is a method for analyzing the influence degree of a plurality of dependent variables on independent variables, namely analyzing the influence degree of a plurality of initial auditing indexes on the performance capability. The correlation between the initial review indicators and the performance capability is determined according to the joint contribution degree of the plurality of initial review indicators to the performance capability, for example, the correlation between the initial review indicators with the joint contribution degree of the plurality of initial review indicators to the performance capability larger than a preset threshold value is determined as strong.

The multivariate analysis method comprises the following steps:

firstly, screening a plurality of initial auditing indexes by a univariate analysis method to obtain a plurality of intermediate auditing indexes, wherein the single contribution degree of the intermediate auditing indexes to the performance capability is greater than a preset threshold value.

Then, the intermediate audit indexes are sorted according to the single contribution degree of the intermediate audit indexes to the performance capability, wherein the intermediate audit indexes can be arranged from large to small, can be sorted from small to small, and can be sorted in parallel by the intermediate audit indexes with the same single contribution degree.

And finally, if the obtained intermediate audit indexes are 5, and the 5 intermediate audit indexes are arranged from large to small according to the single contribution degree to the performance capability, calculating a first joint contribution degree to the performance capability according to index data corresponding to the first intermediate audit index and the second intermediate audit index, wherein if the first joint contribution degree is greater than the single contribution degree of the first intermediate audit index to the performance capability, the second intermediate audit index increases the contribution degree to the performance capability, and otherwise, the second intermediate audit index reduces the contribution degree to the performance capability. And (4) continuing calculation according to the principle of reducing elimination and increasing reservation.

Then, calculating a second joint contribution degree to the performance capability according to the index data corresponding to the first middle audit index, the second middle audit index and the third middle audit index, if the first joint contribution degree is larger than the second joint contribution degree, the third middle audit index reduces the contribution degree to the performance capability, eliminating the third middle audit index, and calculating a third joint contribution degree to the performance capability according to the index data corresponding to the first middle audit index, the second middle audit index and the fourth middle audit index; if the first joint contribution degree is smaller than the second joint contribution degree, the contribution degree of the third intermediate auditing index to the performance capability is increased, the third intermediate auditing index is reserved, and the fourth joint contribution degree to the performance capability is calculated according to the index data corresponding to the first intermediate auditing index, the second intermediate auditing index, the third intermediate auditing index and the fourth intermediate auditing index. And screening out the target audit indexes according to the judgment rules.

It should be noted that, the plurality of intermediate audit indexes are screened according to the analysis method, or further screening may be continuously performed according to a set threshold, and if a fourth joint contribution degree of the first intermediate audit index, the second intermediate audit index, the third intermediate audit index and the fourth intermediate audit index to the performance capability is greater than the third joint contribution degree, but the fourth joint contribution degree is less than a preset threshold, the fourth intermediate audit index may also be eliminated.

According to the loan assessment method, joint contribution degrees of a plurality of initial audit indexes to performance capability are obtained through a multivariate analysis method, the correlation between the initial audit indexes and the performance capability is analyzed according to the joint contribution degrees, the initial audit indexes are preliminarily screened through a single contribution degree in the process of calculating the joint contribution degrees, and then the intermediate audit indexes are screened to obtain target audit indexes. The method and the system can more accurately determine the correlation between the auditing indexes and the performance capability, and improve the accurate determination of the loan assessment server on the loan assessment of the enterprise user.

In an embodiment, as shown in fig. 6, this embodiment is an optional method embodiment for determining whether an enterprise user meets a loan requirement according to index data corresponding to a plurality of target audit indexes, where the method embodiment includes:

step S602, inputting the index data corresponding to the target audit indexes into the corresponding grading model to obtain a plurality of grading values, wherein the grading values are determined by the loan measuring and calculating server according to the index data corresponding to the target audit indexes and are used for representing the risk of the target enterprise user after the loan;

and step S604, determining whether the enterprise user meets the loan requirement according to the plurality of scoring values.

The scoring model is a model which is trained in advance by the loan assessment server and is used for performing post-loan risk assessment on the target auditing indexes. The scoring model may be trained based on historical index data. The scoring model can be different scoring models set according to different types of auditing indexes, so that the loan assessment server can perform multidimensional scoring according to different auditing indexes and assess the loan admission qualification of the enterprise user from multiple dimensions. The scoring model includes, for example: the loan assessment server only needs to input index data corresponding to the screened target auditing indexes into the corresponding scoring model, and a plurality of scoring values can be obtained. Whether the enterprise user meets the loan requirement can then be determined according to the sum of the multiple credit values, the weighted values of the multiple credit values after integration, and the like, which is not limited in the application.

According to the loan assessment method, index data corresponding to a plurality of target auditing indexes are input into corresponding scoring models to obtain a plurality of scoring values, whether an enterprise user meets loan requirements or not is determined according to the scoring values, the target auditing indexes screened out by the loan assessment server are all auditing indexes with strong correlation with performance capability of the enterprise user, so that the score obtained by a single auditing index based on the corresponding scoring model is high, and whether the enterprise user meets the loan requirements or not is determined according to the scoring values, so that the passing rate of loan applications of the enterprise user can be improved.

In one embodiment, as shown in fig. 7, this embodiment is an alternative method embodiment for determining whether an enterprise user meets loan requirements based on a plurality of credit values, the method embodiment comprising:

step S702, summing a plurality of scoring values to obtain a total scoring value;

step S704, determining whether the enterprise user meets the loan requirement according to the total score; if the total score value is greater than or equal to the preset score threshold value, executing step S706; if the total score value is smaller than the preset score threshold, step S708 is executed;

step S706, determining that the enterprise user meets the loan requirement;

step S708, it is determined that the enterprise user does not meet the loan requirement.

According to the multiple scoring values obtained in the previous step, the method selected by the application can sum the multiple scoring values, and then the total scoring value obtained by summing the multiple scoring values is compared with a preset scoring threshold value to determine whether the enterprise user meets the loan requirement.

According to the loan assessment method, whether the enterprise user meets the loan requirement or not is determined by comparing the total score value obtained by summing the plurality of score values with the preset score threshold value, the calculation method is simple, and the loan assessment efficiency of the loan assessment server to the enterprise user can be further improved.

In an embodiment, this embodiment is an optional method embodiment of determining multiple initial audit metrics, where the method embodiment includes:

and determining a plurality of initial auditing indexes according to the basic information of the enterprise user, the financial transaction information and the anti-money laundering basic information.

The basic information of the enterprise user is, for example: the method comprises the following steps of (1) establishing the service life of an enterprise, the industry to which the enterprise belongs, the corporate-to-corporate credit line, historical loan records of the enterprise, historical bad credit records of the enterprise, the number of the enterprises having credit in the same industry, external enterprise classification, the age of an actual enterprise controller, the nationality of the actual enterprise controller, whether the enterprise belongs to a group client member, whether the actual enterprise controller has a record that loan risk is classified into secondary and following in 2 years, the AUM value of the enterprise and the like; the financial transaction information is, for example, foreign exchange transaction information, international settlement transaction information, and the like.

It should be noted that most of information used for carrying out loan qualification assessment on enterprise users at present is basic information and anti-money laundering basic information of the enterprise users, and very few financial transaction information of enterprises are used for carrying out loan qualification assessment on the enterprise users.

In one embodiment, this embodiment is an alternative method embodiment after determining that the enterprise user satisfies the loan requirement, the method embodiment comprising:

and if the enterprise user meets the loan requirement, carrying out loan amount measurement and calculation on the enterprise user based on index data corresponding to the target auditing indexes according to a preset loan amount measurement and calculation model.

After determining that the enterprise user meets the loan requirement of the credit institution through the method, the loan evaluation server can send a notification message to the loan measuring and calculating server and send the screened target auditing index and the index data corresponding to the target auditing index to the loan measuring and calculating server, so that the loan measuring and calculating server measures and calculates the loan amount and the loan interest rate of the enterprise user according to a preset amount measuring and calculating model. The credit calculation model may be, for example: the credit line is min { upper limit, max { business scale @ dollar exchange rate fluctuation rate $ exchange rate RMB exchange rate, lower limit } }, wherein the business scale ═ (sales settlement amount + international collection amount)/2. If one is missing, the other is selected. If both are missing, the traffic size is 0. The upper limit and the lower limit are parameterized and configured according to loan business rules.

After the loan amount measuring and calculating server measures and calculates the loan amount and the loan interest rate of the enterprise user, the loan amount measuring and calculating server can send a message to the terminal of the enterprise user to inform the measured and calculated loan amount and loan interest rate and instruct the enterprise user to confirm, if the enterprise user confirms, the loan amount measuring and calculating server can generate an electronic loan contract based on the measured and calculated loan amount and loan interest rate and send the electronic loan contract to the terminal of the enterprise user so that the enterprise user can carry out online signature confirmation, and after the enterprise user returns the signed electronic loan contract to the loan amount measuring and calculating server through the terminal, the loan relationship between the enterprise user and a credit institution is established. The subsequent credit agency may transfer loan funds to the target account funds provided by the enterprise user through the payment server, i.e., complete the loan process for the enterprise user.

It should be understood that, although the steps in the flowcharts related to the embodiments as described above are sequentially displayed as indicated by arrows, the steps are not necessarily performed sequentially as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a part of the steps in the flowcharts related to the embodiments described above may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the execution order of the steps or stages is not necessarily sequential, but may be rotated or alternated with other steps or at least a part of the steps or stages in other steps.

Based on the same inventive concept, the embodiment of the application also provides a loan assessment device for realizing the loan assessment method. The solution provided by the device is similar to the solution described in the above method, so the specific limitations in one or more embodiments of the loan assessment device provided below can be referred to the limitations in the loan assessment method above, and are not described herein again.

In one embodiment, as shown in fig. 8, there is provided a loan assessment apparatus 800 applied to a loan assessment server, including: an obtaining module 802, a screening module 804, and a determining module 806, wherein:

an obtaining module 802, configured to obtain multiple initial audit indicators of an enterprise user and indicator data corresponding to each audit indicator in the multiple initial audit indicators;

the screening module 804 is configured to screen the multiple initial audit indexes according to the index data corresponding to each of the multiple initial audit indexes to obtain multiple target audit indexes; the correlation between the target auditing index and the performance capability is greater than a preset threshold value;

the determining module 806 is configured to determine whether the enterprise user meets the loan requirement according to the index data corresponding to the multiple target auditing indexes.

In an embodiment, the determining module 806 is further configured to determine a correlation between the initial review indicators and the performance capability according to the contribution degrees of the initial review indicators to the performance capability; the contribution degree characterizes the influence degree of the auditing indexes on the performance capability; and determining the initial auditing indexes with the correlation with the performance capability larger than a preset threshold value in the plurality of initial auditing indexes as target auditing indexes.

In an embodiment, the determining module 806 is further configured to determine, by using a univariate analysis method, a single contribution degree of each of the multiple initial audit indicators to the performance capability according to the indicator data corresponding to each of the multiple initial audit indicators, where the single contribution degree represents an influence degree of the single audit indicator on the performance capability; and determining the correlation between the initial auditing indexes and the performance capability according to the single contribution degree of each initial auditing index in the plurality of initial auditing indexes to the performance capability.

In an embodiment, the determining module 806 is further configured to determine that the correlation between the initial review indicator and the performance capability is greater than a preset threshold if the single contribution of the initial review indicator to the performance capability is greater than or equal to the preset threshold; and if the single contribution degree of the initial auditing index to the performance capability is smaller than a preset threshold value, determining that the correlation between the initial auditing index and the performance capability is smaller than the preset threshold value.

In an embodiment, the determining module 806 is further configured to determine, by using a multivariate analysis method, a joint contribution degree of the multiple initial audit indicators to the performance capability according to indicator data corresponding to each of the multiple initial audit indicators, where the joint contribution degree characterizes an influence degree of the multiple audit indicators on the performance capability; and determining the correlation between the initial auditing indexes and the performance capability according to the joint contribution degree of the initial auditing indexes to the performance capability.

In an embodiment, the determining module 806 is further configured to determine that the correlation between the initial review indicators and the performance capability is greater than a preset threshold if the joint contribution of the initial review indicators to the performance capability is greater than or equal to the preset threshold; and if the joint contribution degree of the plurality of initial auditing indexes to the performance capability is smaller than a preset threshold value, determining that the correlation between the initial auditing indexes and the performance capability is smaller than the preset threshold value.

In an embodiment, the determining module 806 is specifically configured to input the index data corresponding to the multiple target audit indexes into the corresponding scoring model to obtain multiple scoring values, where the scoring values are determined by the loan measurement and calculation server according to the index data corresponding to the multiple target audit indexes, and are used to represent the post-loan risk of the target enterprise user; and determining whether the enterprise user meets the loan requirement according to the plurality of scoring values.

In an embodiment, the determining module 806 is further configured to sum the plurality of score values to obtain a total score value; determining whether the enterprise user meets the loan requirement or not according to the total score; if the total score value is greater than or equal to a preset score threshold value, determining that the enterprise user meets the loan requirement; and if the total score value is smaller than the preset score threshold value, determining that the enterprise user does not meet the loan requirement.

In one embodiment, the determining module 806 is further configured to determine a plurality of initial audit metrics according to the basic information of the enterprise user, the financial transaction information, and the anti-money laundering basic information.

In one embodiment, the above apparatus further comprises: and the limit measuring and calculating module is used for carrying out credit limit measuring and calculating on the enterprise user based on index data corresponding to the target auditing indexes according to a preset credit limit measuring and calculating model if the enterprise user is determined to meet the credit requirement.

The various modules in the loan assessment apparatus described above may be implemented in whole or in part by software, hardware, and combinations thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 9. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used to store the XX data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements a loan assessment method.

Those skilled in the art will appreciate that the architecture shown in fig. 9 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having a computer program stored therein, the processor implementing the following steps when executing the computer program:

In one embodiment, the processor, when executing the computer program, further performs the steps of: determining the correlation between the initial auditing indexes and the performance capability according to the contribution degrees of the initial auditing indexes to the performance capability; the contribution degree characterizes the influence degree of the auditing indexes on the performance capability;

and determining the initial auditing indexes with the correlation with the performance capability larger than a preset threshold value in the plurality of initial auditing indexes as target auditing indexes.

In one embodiment, the processor, when executing the computer program, further performs the steps of: determining a single contribution degree of each initial auditing index in the plurality of initial auditing indexes to the performance ability by a univariate analysis method according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes, wherein the single contribution degree represents the influence degree of each single auditing index on the performance ability;

and determining the correlation between the initial auditing indexes and the performance capability according to the single contribution degree of each initial auditing index in the plurality of initial auditing indexes to the performance capability.

In one embodiment, the processor, when executing the computer program, further performs the steps of: if the single contribution degree of the initial auditing index to the performance capability is greater than or equal to a preset threshold value, determining that the correlation between the initial auditing index and the performance capability is greater than the preset threshold value;

In one embodiment, the processor, when executing the computer program, further performs the steps of: determining the joint contribution degree of the plurality of initial auditing indexes to the performance ability by a multivariate analysis method according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes, wherein the joint contribution degree characterizes the influence degree of the plurality of auditing indexes on the performance ability;

and determining the correlation between the initial auditing indexes and the performance capability according to the joint contribution degree of the initial auditing indexes to the performance capability.

In one embodiment, the processor, when executing the computer program, further performs the steps of: if the joint contribution degree of the plurality of initial auditing indexes to the performance capability is greater than or equal to a preset threshold value, determining that the correlation between the initial auditing indexes and the performance capability is greater than the preset threshold value;

In one embodiment, the processor, when executing the computer program, further performs the steps of: inputting index data corresponding to the target auditing indexes into corresponding grading models to obtain a plurality of grading values, wherein the grading values are determined by the loan measuring and calculating server according to the index data corresponding to the target auditing indexes and are used for representing the risk of the enterprise user after loan;

and determining whether the enterprise user meets the loan requirement according to the plurality of scoring values.

In one embodiment, the processor, when executing the computer program, further performs the steps of: summing the plurality of scoring values to obtain a total scoring value;

determining whether the enterprise user meets the loan requirement or not according to the total score;

if the total score value is greater than or equal to a preset score threshold value, determining that the enterprise user meets the loan requirement;

in one embodiment, the processor, when executing the computer program, further performs the steps of: and determining a plurality of initial auditing indexes according to the basic information of the enterprise user, the financial transaction information and the anti-money laundering basic information.

In one embodiment, the processor, when executing the computer program, further performs the steps of: and if the enterprise user meets the loan requirement, carrying out loan amount measurement and calculation on the enterprise user based on index data corresponding to the target auditing indexes according to a preset loan amount measurement and calculation model.

In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:

In one embodiment, the computer program when executed by the processor further performs the steps of: determining the correlation between the initial auditing indexes and the performance capability according to the contribution degrees of the initial auditing indexes to the performance capability; the contribution degree characterizes the influence degree of the auditing indexes on the performance capability;

In one embodiment, the computer program when executed by the processor further performs the steps of: determining a single contribution degree of each initial auditing index in the plurality of initial auditing indexes to the performance ability by a univariate analysis method according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes, wherein the single contribution degree represents the influence degree of each single auditing index on the performance ability;

In one embodiment, the computer program when executed by the processor further performs the steps of: if the single contribution degree of the initial auditing index to the performance capability is greater than or equal to a preset threshold value, determining that the correlation between the initial auditing index and the performance capability is greater than the preset threshold value; and if the single contribution degree of the initial auditing index to the performance capability is smaller than a preset threshold value, determining that the correlation between the initial auditing index and the performance capability is smaller than the preset threshold value.

In one embodiment, the computer program when executed by the processor further performs the steps of: determining the joint contribution degree of the plurality of initial auditing indexes to the performance ability by a multivariate analysis method according to the index data corresponding to each initial auditing index in the plurality of initial auditing indexes, wherein the joint contribution degree characterizes the influence degree of the plurality of auditing indexes on the performance ability; and determining the correlation between the initial auditing indexes and the performance capability according to the joint contribution degree of the initial auditing indexes to the performance capability.

In one embodiment, the computer program when executed by the processor further performs the steps of:

if the joint contribution degree of the plurality of initial auditing indexes to the performance capability is greater than or equal to a preset threshold value, determining that the correlation between the initial auditing indexes and the performance capability is greater than the preset threshold value;

In one embodiment, the computer program when executed by the processor further performs the steps of: inputting index data corresponding to the target auditing indexes into corresponding grading models to obtain a plurality of grading values, wherein the grading values are determined by the loan measuring and calculating server according to the index data corresponding to the target auditing indexes and are used for representing the risk of the enterprise user after loan;

In one embodiment, the computer program when executed by the processor further performs the steps of: summing the plurality of scoring values to obtain a total scoring value; determining whether the enterprise user meets the loan requirement or not according to the total score; if the total score value is greater than or equal to a preset score threshold value, determining that the enterprise user meets the loan requirement;

In one embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, performs the steps of:

It should be noted that the enterprise user information (including but not limited to enterprise user device information, enterprise user information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by various parties.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high-density embedded nonvolatile Memory, resistive Random Access Memory (ReRAM), Magnetic Random Access Memory (MRAM), Ferroelectric Random Access Memory (FRAM), Phase Change Memory (PCM), graphene Memory, and the like. Volatile Memory can include Random Access Memory (RAM), external cache Memory, and the like. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others. The databases referred to in various embodiments provided herein may include at least one of relational and non-relational databases. The non-relational database may include, but is not limited to, a block chain based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic devices, quantum computing based data processing logic devices, etc., without limitation.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.

Claims

1. A loan assessment method applied to a loan assessment server, the method comprising:

and determining whether the enterprise user meets the loan requirement according to the index data corresponding to the target auditing indexes.

2. The method of claim 1, further comprising:

determining the correlation between the initial auditing indexes and the performance according to the contribution degrees of the plurality of initial auditing indexes to the performance; the contribution degree represents the influence degree of the auditing indexes on the performance capability;

and determining the initial auditing indexes with the correlation with the performance capability larger than a preset threshold value in the plurality of initial auditing indexes as the target auditing indexes.

3. The method of claim 2, wherein determining the relevance of the initial review metrics to the performance capability based on the contribution between the plurality of initial review metrics and the performance capability comprises:

determining a single contribution degree of each initial auditing index in the plurality of initial auditing indexes to the performance ability by a univariate analysis method according to index data corresponding to each initial auditing index in the plurality of initial auditing indexes, wherein the single contribution degree represents the influence degree of each single auditing index to the performance ability;

4. The method of claim 3, wherein determining the relevance of the initial review indicators to the performance capability based on a single contribution of each of the plurality of initial review indicators to the performance capability comprises:

if the single contribution degree of the initial auditing index to the performance capability is greater than or equal to a preset threshold value, determining that the correlation between the initial auditing index and the performance capability is greater than a preset threshold value;

and if the single contribution degree of the initial auditing index to the performance capability is smaller than a preset threshold value, determining that the correlation between the initial auditing index and the performance capability is smaller than a preset threshold value.

5. The method of claim 2, wherein determining the relevance of the initial review metrics to the performance capability based on the contribution between the plurality of initial review metrics and the performance capability comprises:

determining a joint contribution degree of the plurality of initial auditing indexes to the performance capability through a multivariate analysis method according to index data corresponding to each of the plurality of initial auditing indexes, wherein the joint contribution degree represents the influence degree of the plurality of auditing indexes on the performance capability;

6. The method of claim 5, wherein determining the relevance of the initial review metrics to the performance capability based on the joint contribution of the plurality of initial review metrics to the performance capability comprises:

if the joint contribution degree of the plurality of initial auditing indexes to the performance capability is greater than or equal to a preset threshold value, determining that the correlation between the initial auditing indexes and the performance capability is greater than a preset threshold value;

and if the joint contribution degree of the plurality of initial auditing indexes to the performance capability is smaller than a preset threshold value, determining that the correlation between the initial auditing indexes and the performance capability is smaller than a preset threshold value.

7. The method of claim 1, wherein determining whether the enterprise user meets loan requirements based on the index data corresponding to the plurality of target audit indexes comprises:

inputting the index data corresponding to the target auditing indexes into corresponding grading models to obtain a plurality of grading values, wherein the grading values are determined by the loan measuring and calculating server according to the index data corresponding to the target auditing indexes and are used for representing the post-loan risk of the enterprise user;

8. The method of claim 7, wherein said determining whether the enterprise user meets loan requirements based on the plurality of scoring values comprises:

summing the plurality of scoring values to obtain a total scoring value;

determining whether the enterprise user meets loan requirements according to the total score;

and if the total score value is smaller than a preset score threshold value, determining that the enterprise user does not meet the loan requirement.

9. The method of claim 1, further comprising:

and determining the plurality of initial auditing indexes according to the basic information of the enterprise user, the financial transaction information and the anti-money laundering basic information.

10. The method of claim 1, further comprising:

and if the enterprise user is determined to meet the loan requirement, carrying out loan amount measurement and calculation on the enterprise user based on index data corresponding to the target auditing indexes according to a preset loan amount measurement and calculation model.

11. A loan assessment apparatus applied to a loan assessment server, the apparatus comprising:

12. The apparatus of claim 11,

the determining module is further configured to determine a correlation between the initial auditing indicators and the performance capability according to the contribution degrees of the initial auditing indicators to the performance capability; the contribution degree represents the influence degree of the auditing indexes on the performance capability;

13. The apparatus of claim 12,

the determining module is further configured to determine, according to the index data corresponding to each of the plurality of initial audit indexes, a single contribution degree of each of the plurality of initial audit indexes to the performance capability through a univariate analysis method, where the single contribution degree represents an influence degree of a single audit index on the performance capability;

14. The apparatus of claim 13,

the determining module is further configured to determine that the correlation between the initial audit indicator and the performance capability is greater than a preset threshold if the single contribution degree of the initial audit indicator to the performance capability is greater than or equal to the preset threshold;

15. The apparatus of claim 11,

the determining module is further configured to determine, according to the index data corresponding to each of the plurality of initial audit indexes, a joint contribution degree of the plurality of initial audit indexes to the performance capability through a multivariate analysis method, where the joint contribution degree represents an influence degree of the plurality of audit indexes on the performance capability;

16. The apparatus of claim 15,

the determining module is further configured to determine that the correlation between the initial auditing indicators and the performance capability is greater than a preset threshold if the joint contribution of the initial auditing indicators to the performance capability is greater than or equal to a preset threshold;

17. The apparatus of claim 11,

the determining module is specifically further configured to determine whether the enterprise user meets loan requirements according to a total score obtained by summing the plurality of score values;

18. The apparatus of claim 11,

the determining module is further used for determining the plurality of initial auditing indexes according to the basic information of the enterprise user, the financial transaction information and the anti-money laundering basic information.

19. The apparatus of claim 11, further comprising:

and the credit measurement module is used for carrying out credit measurement and calculation on the enterprise user based on the index data corresponding to the target auditing indexes according to a preset credit measurement and calculation model if the enterprise user is determined to meet the loan requirement.

20. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor realizes the steps of the method of any one of claims 1 to 10 when executing the computer program.

21. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 10.

22. A computer program product comprising a computer program, characterized in that the computer program realizes the steps of the method of any one of claims 1 to 10 when executed by a processor.