CN114418739A

CN114418739A - Credit granting evaluation method, device, equipment and medium for individual industrial and commercial tenant loan

Info

Publication number: CN114418739A
Application number: CN202210042175.3A
Authority: CN
Inventors: 许卫; 欧阳张鹏; 赵彦晖; 耿心伟; 曾源
Original assignee: Shenzhen Weizhong Credit Technology Co ltd
Current assignee: Shenzhen Weizhong Credit Technology Co ltd
Priority date: 2022-01-14
Filing date: 2022-01-14
Publication date: 2022-04-29

Abstract

The application provides a credit granting evaluation method, a device, equipment and a medium for individual industrial and commercial customer loan, wherein the method comprises the following steps: receiving a loan application; acquiring the operation condition information of target individual industrial and commercial customers, and determining the operation condition score of the target individual industrial and commercial customers according to the operation condition information; if the operation condition score of the target individual industrial and commercial company is larger than a first preset score, acquiring the geographical position information of the target individual industrial and commercial company; determining business objects of the target individual industrial and commercial enterprises according to the geographical position information of the target individual industrial and commercial enterprises; and determining a feedback result of the loan application according to the business object of the target individual business entity. By adopting the method of the embodiment of the application, under the condition that the operating condition score of the target individual industrial and commercial tenant is larger than the first preset score, the feedback result of loan application is determined according to the business object of the target individual industrial and commercial tenant, so that credit granting evaluation is accurately carried out on the loan of the individual industrial and commercial tenant, and the loan risk is avoided.

Description

Credit granting evaluation method, device, equipment and medium for individual industrial and commercial tenant loan

Technical Field

The application relates to the technical field of data processing, in particular to a credit granting evaluation method, device, equipment and medium for individual industrial and commercial customer loans.

Background

With the rapid development of social economy and the continuous improvement of productivity level, the market operation activity is increasingly active, and loan guarantee behaviors conditioned on repayment and payment are also explosively increased in number in order to promote further development of economy to meet the demand of each business entity on the market for expanding productivity to funds.

According to the economic nature of the loan body, in a large amount of loan guarantee behaviors, a plurality of different loan types exist, and the loan of an individual working company is one of the loan types. When an individual industrial and commercial company loans, because the tax payment amount is usually a fixed amount, the tax information of the individual industrial and commercial company cannot provide enough reference value when the individual industrial and commercial company is subjected to credit assessment. This makes it difficult for the financial institution to perform accurate credit assessment for the individual industrial and commercial customers, so that the financial institution has a certain loan risk when issuing a secured loan to the individual industrial and commercial customers.

Disclosure of Invention

The embodiment of the application provides a credit granting evaluation method, device, equipment and medium for individual industrial and commercial customers loan, and the method of the embodiment of the application is implemented to accurately perform credit granting evaluation on the individual industrial and commercial customers loan.

In a first aspect, an embodiment of the present application provides a credit granting and evaluating method for individual tradesman and merchant loans, where the method includes:

receiving a loan application, wherein the loan application is used for obtaining guarantee loan for a request of a target individual tradesman and merchant;

acquiring the operation condition information of target individual industrial and commercial customers, and determining the operation condition score of the target individual industrial and commercial customers according to the operation condition information;

if the operation condition score of the target individual industrial and commercial company is larger than a first preset score, acquiring the geographical position information of the target individual industrial and commercial company;

determining business objects of the target individual industrial and commercial enterprises according to the geographical position information of the target individual industrial and commercial enterprises, wherein the business objects comprise online users or offline users;

and determining a feedback result of the loan application according to the business object of the target individual business entity.

In one possible example, the determining the operation condition score of the target individual industrial and commercial business according to the return transaction object proportion and the invoice data of the target individual industrial and commercial business within the second preset time includes:

if the ratio of the return transaction objects is larger than a second preset ratio, determining the average transaction frequency of the target individual industrial and commercial company and at least one return downstream transaction object within a second preset time according to the invoice data of the target individual industrial and commercial company within the second preset time, and determining the operation condition score of the target individual industrial and commercial company according to the ratio of the return transaction objects and the average transaction frequency;

and if the back transaction object proportion is less than or equal to a second preset proportion, determining the profit capacity value of the target individual industrial and commercial company within a second preset time according to the invoice data of the target individual industrial and commercial company within the second preset time, and determining the operation condition score of the target individual industrial and commercial company according to the back transaction object proportion and the profit capacity value within the second preset time.

In one possible example, the determining the business condition score of the target individual industrial business according to the business condition information includes:

analyzing the time-administration information within the third preset time, and determining the benign information proportion of the time-administration information within the third preset time, wherein the benign information proportion is the proportion of the time-administration information which is favorable information for the operation range of the target individual industrial and commercial business in the time-administration information within the third preset time;

and if the benign information proportion is greater than the third preset proportion, determining the operation condition score of the target individual industrial and commercial company according to the benign information proportion, wherein the benign information proportion is positively correlated with the operation condition score of the target individual industrial and commercial company.

In a second aspect, an embodiment of the present application provides a credit granting and evaluating device for individual tradesman and merchant loans, where the device includes:

the receiving unit is used for receiving a loan application, and the loan application is used for requesting to obtain a loan guarantee for a target individual business;

the scoring unit is used for acquiring the operation condition information of the target individual industrial and commercial customers and determining the operation condition score of the target individual industrial and commercial customers according to the operation condition information;

the acquisition unit is used for acquiring the geographical position information of the target individual industrial and commercial company if the operation condition score of the target individual industrial and commercial company is larger than a first preset score;

the determining unit is used for determining business objects of the target individual industrial and commercial enterprises according to the geographical position information of the target individual industrial and commercial enterprises, and the business objects comprise online users or offline users;

and the feedback unit is used for determining a feedback result of the loan application according to the business object of the target individual business entity.

In a third aspect, embodiments of the present application provide an electronic device, which includes a processor, a memory, and computer executable instructions stored on the memory and executable on the processor, and when the computer executable instructions are executed, the electronic device is caused to perform some or all of the steps described in any one of the methods of the first aspect of the embodiments of the present application.

In a fourth aspect, embodiments of the present application provide a computer-readable storage medium having stored thereon computer instructions, which, when executed on a communication apparatus, cause the communication apparatus to perform some or all of the steps as described in any one of the methods of the first aspect of the embodiments of the present application.

In a fifth aspect, the present application provides a computer program product, where the computer program product includes a computer program operable to cause a computer to perform some or all of the steps as described in any one of the methods of the first aspect of the embodiments of the present application. The computer program product may be a software installation package.

It can be seen that in the embodiment of the application, a loan application is received, and the loan application is used for requesting to obtain a guarantee loan for a target individual business; acquiring the operation condition information of target individual industrial and commercial customers, and determining the operation condition score of the target individual industrial and commercial customers according to the operation condition information; if the operation condition score of the target individual industrial and commercial company is larger than a first preset score, acquiring the geographical position information of the target individual industrial and commercial company; determining business objects of the target individual industrial and commercial enterprises according to the geographical position information of the target individual industrial and commercial enterprises, wherein the business objects comprise online users or offline users; and determining a feedback result of the loan application according to the business object of the target individual business entity. By adopting the method of the embodiment of the application, the current operating condition is determined to be good according to the condition score of the target individual industrial and commercial company being larger than the first preset score, the business object of the target individual industrial and commercial company is further determined, whether the good condition of the target individual industrial and commercial company has sustainability is judged, and then the feedback result of the loan application of the target individual industrial and commercial company is finally determined.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a diagram of the structural deployment of a loan credit assessment system;

fig. 2 is a flowchart of a trust evaluation method for individual tradesman and merchant loans according to an embodiment of the present disclosure;

fig. 3 is a deployment diagram of a credit granting evaluation system for individual tradesman and merchant loans provided in the embodiment of the present application;

fig. 4 is a schematic diagram illustrating a method for evaluating credit granted to an individual tradesman loan according to an embodiment of the present application;

fig. 5 is a structural diagram of a credit granting evaluation apparatus for individual tradesman loan provided in the embodiment of the present application;

fig. 6 is a schematic structural diagram of a server in a hardware operating environment of an electronic device according to an embodiment of the present application.

Detailed Description

In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

The terms "first," "second," and the like in the description and claims of the present application and in the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps is not limited to only those steps recited, but may alternatively include other steps not recited, or may alternatively include other steps inherent to such process, method, article, or apparatus.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.

The following describes an application scenario related to an embodiment of the present application with reference to the drawings.

Fig. 1 is a structural deployment diagram of a loan credit granting evaluation system. As shown in fig. 1, the loan credit assessment system is connected at a first end to a user terminal and at a second end to a financial institution terminal, wherein,

the user terminal is used as a fund demand party and used for submitting loan application to the loan credit assessment system, the fund demand party aims at obtaining the role of guarantee loan from a financial institution, and the loan application comprises tax information of the fund demand party;

the loan credit granting evaluation system is used for receiving loan applications from the user terminal, analyzing tax information of a fund demand party, granting credit to the loan applications to evaluate to obtain feedback results of the loan applications, and sending the feedback results of the loan applications to the financial institution terminal;

and the financial institution terminal refers to terminal equipment used by financial institution personnel for receiving the feedback result of the loan application from the loan credit granting evaluation system, and the financial institution personnel determines whether to release the role of guaranteeing the loan to the fund demand party according to the feedback result of the loan application.

In the process of credit granting evaluation by the system, the loan credit granting evaluation system analyzes the tax information of the fund demand party to obtain the feedback result of the loan application, however, the economic nature types of the loan body of the current fund demand party are increasingly abundant, more and more individual industrial and commercial customers also provide the demand of the loan application to financial institutions, and the tax amount of the individual industrial and commercial customers is usually a fixed amount during loan, so that the tax information of the individual industrial and commercial customers cannot provide enough reference value during credit granting evaluation. Therefore, the traditional credit granting evaluation method cannot accurately grant credit to the individual industrial and commercial customers, and obviously, a financial institution which uses the system to grant credit to the individual industrial and commercial customers has a larger loan risk.

Based on this, an embodiment of the present application provides a method for assessing credit granting of an individual tradesman loan, please refer to fig. 2, fig. 2 is a flowchart of the method for assessing credit granting of an individual tradesman loan according to the embodiment of the present application, and as shown in fig. 2, the method includes the following steps:

101: and receiving a loan application, wherein the loan application is used for obtaining guarantee loan for the request of the target individual business entity.

The loan application may include invoice data of the target individual business entity within a certain time, tax information within a certain time, and the like, and may further include a guarantee loan amount requested by the target individual business entity.

The individual industrial and commercial enterprises refer to an economic form that production data belong to private owners, and the labor results are owned by individual workers on the basis of personal labor. The individual industrial and commercial enterprises are natural persons or families engaged in industrial and commercial operation, and the natural persons or the natural persons are engaged in the industrial and commercial operation by taking individuals as units or the families as units, and are the individual industrial and commercial enterprises.

The guarantee loan is a loan which is provided by the target individual industrial and commercial company according to law and issued to the fund demand party by the financial institution. The guarantee loan includes guarantee loan, mortgage loan, and pledge loan.

102: and acquiring the operation condition information of the target individual industrial and commercial customers, and determining the operation condition score of the target individual industrial and commercial customers according to the operation condition information.

The management condition information of the target individual industrial and commercial enterprises may include invoice data of the target individual industrial and commercial enterprises in a certain time, tax information in a certain time, and the like.

For example, if the operation condition information of the target individual industrial and commercial entity is invoice data within a certain period of time, the operation condition information of the target individual industrial and commercial entity is obtained, in a specific implementation, the target individual industrial and commercial entity performs an authorization operation on the financial institution, where the authorization operation is used to indicate that the target individual industrial and commercial entity agrees to obtain the invoice data of the financial institution for credit assessment, so that a financial institution server corresponding to the financial institution can obtain the operation condition information of the target individual industrial and commercial entity.

The operation condition score of the target individual industrial and commercial business is determined according to the operation condition information, in the specific implementation, the operation condition information can be analyzed to determine whether the condition corresponding to the operation condition information is good or not, if the condition is good, the operation condition score is correspondingly higher, otherwise, the operation condition score is correspondingly lower.

For example, if the operation condition information of the target individual industrial and commercial business is invoice data in the past 1 year, the operation condition score of the target individual industrial and commercial business is determined according to the operation condition information, in a specific implementation, the invoice data in the past 1 year is analyzed, the profit margin of the target individual industrial and commercial business in the past 1 year is determined, the operation condition score of the target individual industrial and commercial business is determined according to the profit margin, and the higher the profit margin is, the higher the operation condition score is.

103: and if the operation condition score of the target individual industrial and commercial company is greater than the first preset score, acquiring the geographical position information of the target individual industrial and commercial company.

Wherein, the first preset score can be 80 points, 90 points or other values.

If the operating condition score of the target individual industrial and commercial company is less than or equal to the first preset score, the target individual industrial and commercial company is not allowed to obtain the guarantee loan or the target individual industrial and commercial company is not allowed to obtain the guarantee loan of a certain amount, and whether the guarantee loan amount which can be obtained by the target individual industrial and commercial company is reduced or not can be determined according to the difference value between the operating condition score of the target individual industrial and commercial company and the first preset score.

The geographical location information of the target individual industrial and commercial business may include the business place information of the target individual industrial and commercial business.

For example, if the geographic location information is the business place information of the target individual industrial and commercial entity, the geographic location information of the target individual industrial and commercial entity is obtained, in a specific implementation, the business place information may be obtained by extracting the "business place" information from a business license of the individual industrial and commercial entity, or may be obtained by connecting with a national enterprise credit information public system.

104: and determining business objects of the target individual industrial and commercial enterprises according to the geographical position information of the target individual industrial and commercial enterprises, wherein the business objects comprise online users or offline users.

The business object of the target individual industrial and commercial business is determined according to the geographical position information of the target individual industrial and commercial business, in the concrete implementation, the geographical position information of the target individual industrial and commercial business is analyzed, whether the commercial environment corresponding to the geographical position information is good or not is determined, and if the commercial environment is good, the business object of the target individual industrial and commercial business is determined to be an offline user; otherwise, if the operator environment is general or not good, the business object of the target individual industrial and commercial company is determined to be the online user because the operation condition score of the target individual industrial and commercial company is determined to be larger than the first preset score.

If the business object of the target individual industrial and commercial business is determined to be the online user, the main sales group of the target individual industrial and commercial business is indicated to be the online shopping user or the user who knows the existence of the target individual industrial and commercial business online and consumes in the entity store in the future, that is, the main sales channel or the main propaganda channel of the target individual industrial and commercial business is located in the online network.

If the business object of the target individual industrial and commercial store is determined to be the offline user, the fact that the main sales group of the target individual industrial and commercial store is the user consumed in the previous physical store is not that the existence of the target individual industrial and commercial store is known online, namely that the main sales channel or the main propaganda channel of the target individual industrial and commercial store is located in the offline physical store.

105: and determining a feedback result of the loan application according to the business object of the target individual business entity.

The feedback result of the loan application may be that the target individual merchant agrees to obtain the guarantee loan or that the target individual merchant agrees to obtain the guarantee loan in a certain amount, and in a specific implementation, the feedback result may be presented in a form of pop-up text notification of "the assessment of the credit is passed" or "the target individual merchant agrees to obtain the guarantee loan/the guarantee loan in a certain amount".

Illustratively, the credit granting evaluation method for the individual business entity loan provided by the embodiment of the application is applied to a credit granting evaluation system for the individual business entity loan, and is implemented by a receiving module, a credit granting evaluation module and a feedback module together. Referring to fig. 3, fig. 3 is a deployment diagram of a credit granting evaluation system for loan of an individual industrial and commercial business provided in an embodiment of the present application, and as shown in fig. 3, the operation condition information of a target individual industrial and commercial business is invoice data in past 1 year, the first preset score is 80 scores, and the geographic location information is business place information of the target individual industrial and commercial business. The target user registers a target individual industrial and commercial company under the name, and hopes to obtain loan application of guarantee loan of a target amount from a target financial institution in order to enlarge the operation scale of the target individual industrial and commercial company, therefore, the target user uses user equipment to send the loan application to a credit granting evaluation system for loan of the individual industrial and commercial company, a receiving module receives the loan application, a credit granting evaluation module acquires the operation condition information of the target individual industrial and commercial company, because the operation condition of the target individual industrial and commercial company is good, the credit granting evaluation module determines that the operation condition score of the target individual industrial and commercial company is 90 to 80 according to the operation condition information, namely is more than a first preset score, the credit granting evaluation module performs the next operation to acquire the operation place information of the target individual industrial and commercial company, after the operation place information of the target individual industrial and commercial company is analyzed, the credit granting evaluation module determines that the business object of the target individual industrial and commercial tenant is an offline user and informs the feedback module of the information if the business environment of the business corresponding to the business information is good, the feedback module determines that the feedback result of the loan application is the guarantee loan for agreeing the target individual industrial and commercial tenant to obtain the target amount according to the information that the business object of the target individual industrial and commercial tenant is the offline user, the feedback module sends the feedback result of the loan application to the financial institution server, and the financial institution personnel determine to issue the guarantee loan of the target amount to the target individual industrial and commercial tenant after receiving the notification of the feedback result of the loan application on the financial institution server.

In one possible example, if it is determined that the business object of the target individual business entity is an offline user, the determining the feedback result of the loan application according to the business object of the target individual business entity includes: and determining that the feedback result of the loan application is that the target individual worker-merchant agrees to obtain the guarantee loan or the target individual worker-merchant agrees to obtain the guarantee loan of the first amount.

The first amount may be a guarantee loan amount requested by the target individual business entity in the loan application, or may be a guarantee loan amount approved by the financial institution receiving the loan application to the target individual business entity after the financial institution performs credit assessment on the target individual business entity.

It can be seen that, in the embodiment of the application, when the operation condition score of the target individual industrial and commercial tenant is greater than the first preset score and the business object of the target individual industrial and commercial tenant is determined to be the offline user, the feedback result of the loan application is determined to be that the target individual industrial and commercial tenant is allowed to obtain the guarantee loan or the target individual industrial and commercial tenant is allowed to obtain the guarantee loan of the first amount. The business condition of the target individual industrial and commercial tenant is scored better, the business object is an offline user, the online income and inflow water condition of the target individual industrial and commercial tenant is better, and the possibility that factors influencing the business condition change violently in a short time is low for the offline business object, so that the current better business condition of the target individual industrial and commercial tenant can be judged to have certain sustainability, and then the target individual industrial and commercial tenant can be judged to have certain repayment capacity, and therefore the target individual industrial and commercial tenant can be agreed to obtain the guarantee loan or the target individual industrial and commercial tenant can be agreed to obtain the guarantee loan of a first amount, wherein the loan guarantee of the first amount can be an amount applied when the target individual industrial and commercial tenant submits loan application, and can also be an amount actively provided by a loan assessment system for the target individual industrial and commercial tenant.

In one possible example, if it is determined that the business object of the target individual business entity is an online user, the determining the feedback result of the loan application according to the business object of the target individual business entity includes: acquiring network evaluation of target individual industrial and commercial businesses; analyzing the network evaluation of the target individual industrial and commercial customers, and determining the network evaluation level of the target individual industrial and commercial customers; and if the network evaluation level of the target individual industrial and commercial tenant is higher than a first preset level, determining that the feedback result of the loan application is to agree with the target individual industrial and commercial tenant to obtain the guarantee loan or agree with the target individual industrial and commercial tenant to obtain the guarantee loan of a first amount.

In a specific implementation, the network evaluation of the target individual industrial and commercial customer may be obtained by determining a main operation service of the target individual industrial and commercial customer and obtaining the network evaluation of the target individual industrial and commercial customer on a network platform closely associated with the main operation service of the target individual industrial and commercial customer.

For example, please refer to fig. 4, fig. 4 is a schematic diagram of a trust evaluation method for an individual industrial and commercial customer loan provided in an embodiment of the present application, and as shown in fig. 4, the trust evaluation method for an individual industrial and commercial customer loan provided in an embodiment of the present application is applied to a financial institution server, in order to obtain a network evaluation of a target individual industrial and commercial customer, the financial institution server determines that a home business to the target individual industrial and commercial customer is a food takeout service, and a network platform closely associated with the food takeout service is a takeout platform, so the financial institution server searches the target individual industrial and commercial customer on the takeout platform to obtain the network evaluation of the target individual industrial and commercial customer.

The network evaluation of the target individual industrial and commercial enterprises is analyzed to determine the network evaluation level of the target individual industrial and commercial enterprises, and in the specific implementation, the evaluation in the network evaluation of the target individual industrial and commercial enterprises can be analyzed, and the network evaluation level of the target individual industrial and commercial enterprises is determined according to the evaluation rate.

The network evaluation level may be 5 levels including level 1 and level 2 … … 5, where level 1 is the lowest level and level 5 is the highest level, or may be presented in a form of setting to 1-100.

Illustratively, the network evaluation of the target individual industrial and commercial business is analyzed, the network evaluation level of the target individual industrial and commercial business is determined, in a specific implementation, if the network evaluation level is 1-5, level 1 is the lowest level, level 5 is the highest level, and the first preset level is level 4, assuming that 10 network evaluations of the target individual industrial and commercial business are obtained, the network evaluation of the target individual industrial and commercial business is analyzed, and 6 network evaluations are obtained, 3 network evaluations are 3 levels, and 1 network evaluation is 2 levels, the average level of the 10 network evaluations is (6 + 5+ 3+ 1+ 2)/10.1, the average level is determined as the network evaluation level of the target individual industrial and commercial business, the network evaluation level of the target individual industrial and commercial business is determined to be level 4.1, and since 4.1 > 4, the network evaluation level of the target individual industrial and commercial business is higher than the first preset level, and determining that the feedback result of the loan application is that the target individual worker-merchant agrees to obtain the guarantee loan or the target individual worker-merchant agrees to obtain the guarantee loan of the first amount.

It can be seen that, in the embodiment of the present application, when the operation condition score of the target individual industrial and commercial tenant is greater than the first preset score and it is determined that the business object of the target individual industrial and commercial tenant is an online user, the network evaluation of the target individual industrial and commercial tenant is obtained and analyzed, the network evaluation level of the target individual industrial and commercial tenant is determined, and under the condition that the network evaluation level of the target individual industrial and commercial tenant is higher than the first preset level, the feedback result of the loan application is determined to be the target individual industrial and commercial tenant agreement to obtain the guarantee loan or the target individual industrial and commercial tenant agreement to obtain the guarantee loan of the first amount. When the operating condition of the target individual industrial and commercial tenant is scored well and the business object is an online user, the main factor influencing the operating condition sustainability of the target individual industrial and commercial tenant is probably network evaluation, and the network evaluation grade of the target individual industrial and commercial tenant is higher, which shows that the online income running of the target individual industrial and commercial tenant is better in sustainability, and the target individual industrial and commercial tenant has certain repayment capability, so that the target individual industrial and commercial tenant can be agreed to obtain the guarantee loan or the target individual industrial and commercial tenant can be agreed to obtain the guarantee loan of the first amount.

In one possible example, the determining the business object of the target individual industrial business according to the geographic location information of the target individual industrial business includes: determining a plurality of peripheral enterprises according to the information of the business place of the target individual industrial and commercial enterprises, wherein the peripheral enterprises are enterprises within a first preset distance range from the target individual industrial and commercial enterprises; acquiring the operation range of a target individual industrial and commercial company and the operation range of each peripheral enterprise in a plurality of peripheral enterprises; matching the operation range of the target individual industrial and commercial company with the operation range of each peripheral enterprise in a plurality of peripheral enterprises, and determining the occupation ratio of the same-row enterprises, wherein the occupation ratio of the same-row enterprises is the ratio of the number of the peripheral enterprises with the operation ranges successfully matched with the target individual industrial and commercial company to the number of the plurality of peripheral enterprises; if the occupation ratio of the same-row enterprises is smaller than a first preset occupation ratio, determining the business objects of the target individual industrial and commercial enterprises as online users; and/or if the occupation ratio of the same-row enterprise is greater than or equal to a first preset occupation ratio, determining the business object of the target individual industrial and commercial business as an offline user.

The business place information refers to "business place" information on the business license of the target individual industrial and commercial business, and in specific implementation, the business place information can be presented as "street D, way E number in district C in city a, district B" or other forms, and is specifically determined by the actual business place of the target individual industrial and commercial business.

The first preset distance may be 20m, 50m or other distances.

The operation range of the target individual industrial and commercial business and the operation range of each peripheral enterprise in the plurality of peripheral enterprises are obtained by connecting with a national enterprise credit information publicity system in specific implementation.

The first predetermined ratio may be 60%, 80% or other ratios.

If the business proportion of the same-row enterprise is smaller than the first preset proportion, the business place of the target individual industrial and commercial company is not a gathering place of the business range, and few consumers consuming the business around the previous business place for the business range are needed, so that the business object of the target individual industrial and commercial company is determined to be an online user; on the contrary, if the occupation ratio of the enterprises in the same row is larger than or equal to the first preset occupation ratio, the operation place of the target individual industrial and commercial company is the gathering place of the operation range, and more consumers are consumed around the operation place for the operation range, and the business object of the target individual industrial and commercial company is determined to be the offline user.

It can be seen that, in the embodiment of the present application, a plurality of peripheral enterprises are determined according to the information of the business place of the target individual industrial and commercial enterprise, the business range of the target individual industrial and commercial enterprise and the business range of each peripheral enterprise in the plurality of peripheral enterprises are obtained, and the business range of the target individual industrial and commercial enterprise and the business range of each peripheral enterprise in the plurality of peripheral enterprises are matched. Therefore, when the occupation ratio of the same-row enterprise is determined to be smaller than the first preset occupation ratio, the influence that most of the operation income of the target individual industrial and commercial company is probably not from the position of the shop area can be deduced, the business object of the target individual industrial and commercial company can be determined to be the on-line user, and when the occupation ratio of the same-row enterprise is determined to be larger than or equal to the first preset occupation ratio, the business object of the target individual industrial and commercial company is determined to be the off-line user. The business objects of the target individual industrial and commercial enterprises are determined by the business proportion of the same-party enterprises according to the information of the business places of the target individual industrial and commercial enterprises, so that the data processing accuracy in determining the business objects of the target individual industrial and commercial enterprises is improved, the loan risk is avoided, and the sustainable development of the loan service is ensured.

In one possible example, the method further includes: acquiring the business years of each peripheral enterprise; determining the median of the business years of a plurality of peripheral enterprises according to the business years of each peripheral enterprise; if the occupation ratio of the same-row enterprises is smaller than a first preset occupation ratio, determining the business objects of the target individual industrial and commercial enterprises as online users; and/or if the business proportion of the same-row enterprise is greater than or equal to a first preset proportion, determining that the business object of the target individual industrial and commercial business is an offline user, and the method comprises the following steps: if the occupation ratio of the same-row enterprises is smaller than a first preset occupation ratio and the median of the business years is smaller than a first preset median, determining the business objects of the target individual industrial and commercial enterprises as online users; and/or if the occupation ratio of the same-row enterprises is greater than or equal to a first preset occupation ratio and the median of the business years is greater than or equal to a first preset median, determining the business object of the target individual industrial and commercial business as an offline user.

In a specific implementation, the business years of each peripheral enterprise are acquired by connecting with a national enterprise credit information bulletin system.

The business age median represents a numerical value in the business age set of each peripheral enterprise in a plurality of peripheral enterprises, the business age set can be divided into an upper part and a lower part which are equal in number, and the size of the business age median is not influenced by the maximum value or the minimum value of the business age. Determining the median of the business years of a plurality of peripheral enterprises, wherein in the concrete implementation, the business years of each peripheral enterprise are sequenced according to the high and low order, and then one business year in the middle is determined as the median; if the number of peripheral enterprises is even, the average of two business years arranged at the middle is used as the median of business years.

If the occupation ratio of the enterprises in the same bank is smaller than the first preset occupation ratio and the median of the business years is smaller than the first preset median, the situation that the business place of the target individual industrial and commercial enterprises is not a gathering place of the business range of the enterprise, the survival difficulty of the peripheral enterprises is higher, the number of consumers consuming the periphery of the previous business place for the business range is smaller, and the enterprises operating the business range can not generally go to the periphery of the business place for business, namely, the profit difficulty is higher under the line of the business range of the business place, so that the business object of the target individual industrial and commercial enterprises is determined to be the online user; on the contrary, if the percentage of business in the same business is greater than or equal to the first preset percentage and the median of business life is greater than or equal to the first preset median, it indicates that the business place of the target individual industrial and commercial business is the gathering place of the business range, the difficulty of survival of the peripheral enterprises is low, more consumers are in the periphery of the business place for the business range, and more enterprises are in the periphery of the business place for business, that is, the profit capacity is good under the line of the business place in the business range, and the target is indicated to determine that the business object of the target individual industrial and commercial business is the offline user.

If the occupation ratio of the same-row enterprise is smaller than a first preset occupation ratio and the middle number of the business years is larger than or equal to a first preset middle number, calculating an age limit error (the middle number of the business years-the first preset middle number)/the first preset middle number) according to the middle number of the business years and the first preset middle number, and if the age limit error is smaller than the preset error, determining that the business object of the target individual industrial and commercial company is the online user; and if the occupation ratio of the enterprises in the same row is larger than or equal to a first preset occupation ratio and the middle number of the business years is smaller than a first preset middle number, calculating the year error (the first preset middle number-the middle number of the business years)/the first preset middle number according to the middle number of the business years and the first preset middle number, and if the year error is smaller than the preset error, determining the business object of the target individual industrial and commercial company as the off-line user.

It can be seen that in the embodiment of the application, the business years of each peripheral enterprise are obtained, the business years median of a plurality of peripheral enterprises are determined, and if the occupation ratio of the same-row enterprise is smaller than a first preset occupation ratio and the business years median is smaller than the first preset median, the business object of the target individual industrial and commercial business is determined to be the online user; and/or if the occupation ratio of the same-row enterprises is greater than or equal to a first preset occupation ratio and the median of the business years is greater than or equal to a first preset median, determining the business object of the target individual industrial and commercial business as an offline user. According to the information of the business place of the target individual industrial and commercial company, whether the profit condition of the target individual industrial and commercial company is suitable for the business place or not is determined through the occupation ratio of the same enterprise and the business year median of peripheral enterprises, and then the business object of the target individual industrial and commercial company is determined, so that the data processing accuracy in determining the business object of the target individual industrial and commercial company is improved, the loan risk is avoided, and the sustainable development of the loan service is ensured.

In one possible example, the determining the business condition score of the target individual industrial and commercial company according to the business condition information includes: acquiring a plurality of upstream transaction objects of the target individual industrial and commercial customers according to the invoice data in the first preset time, wherein the upstream transaction objects are sellers corresponding to the target individual industrial and commercial customers as buyers in the invoice data in the first preset time; calculating to obtain the transaction proportion mean square error between the target individual industrial and commercial company and the plurality of upstream transaction objects according to invoice data corresponding to each upstream transaction object in the plurality of upstream transaction objects; and determining the operation condition score of the target individual industrial and commercial business according to the transaction proportion mean square error, wherein the transaction proportion mean square error is in negative correlation with the operation condition score.

When the operation condition information comprises invoice data of the target individual industrial and commercial company in first preset time, before obtaining the invoice data of the target individual industrial and commercial company in the first preset time, authorization operation of the target individual industrial and commercial company needs to be obtained, wherein the authorization operation is used for indicating that the target individual industrial and commercial company agrees to obtain own invoice data for processing loan guarantee affairs by a financial institution.

The first preset time may be within the past 1 year, within the past 2 years, or other time.

The upstream transaction object is a seller corresponding to the target individual industrial and commercial entity as a buyer in the invoice data within the first preset time, that is, the upstream transaction object is a supplier of the target individual industrial and commercial entity on a certain commodity or technical service.

The trade proportion mean square error refers to the average of the distances of the trade proportion between the target individual industrial and commercial customer and a plurality of upstream trade objects from the trade proportion average, and is the root of the trade proportion after the trade proportion is averaged from the mean square error sum. The mean square error can reflect the discrete degree of the transaction proportion between the target individual industrial and commercial customer and a plurality of upstream transaction objects. The larger the mean square deviation of the transaction proportion is, the more unevenly distributed the supply selection of the target individual industrial and commercial company for a certain commodity is, the more often the target individual industrial and commercial company depends on a certain upstream transaction object, which is not favorable for the operational stability of the target individual industrial and commercial company, therefore, the mean square deviation of the transaction proportion is inversely related to the operational condition score.

Illustratively, the sum of the transaction proportion mean square error and the business condition score of the target individual industrial and commercial company is assumed to be 100, so that the condition that the transaction proportion mean square error and the business condition score are in negative correlation is met. Obtaining 3 upstream transaction objects including an upstream transaction object 1, an upstream transaction object 2 and an upstream transaction object 3 of the target individual industrial business, obtaining the transaction proportion of the target individual industrial business to the upstream transaction object 1 as 15%, the transaction proportion of the target individual business to the upstream transaction object 2 as 30% and the transaction proportion of the target individual business to the upstream transaction object 3 as 55% according to invoice data corresponding to each upstream transaction object in the plurality of upstream transaction objects, obtaining the average value of the transaction proportions between the target individual industrial business and the 3 upstream transaction objects as 100/3 ≈ 33.3, and calculating the average variance of the transaction proportions between the target individual industrial business and the plurality of upstream transaction objects as { [ (|15-33.3|)²+(|30-33.3|)²⁺(|55-33.3|)²]/3}^1/2＝[(334.89+10.89+470.89)/3]^1/2And (5) completing calculation of the trade proportion mean square error, and determining that the business condition score of the target individual industrial and commercial business is 100-the trade proportion mean square error is 100-16.5-83.5 according to the trade proportion mean square error.

It can be seen that, in the embodiment of the present application, when the operation condition information includes invoice data of the target individual industrial and commercial customer within the first preset time, according to the invoice data within the first preset time, multiple upstream transaction objects of the target individual industrial and commercial customer are obtained, and according to the invoice data corresponding to each upstream transaction object in the multiple upstream transaction objects, a transaction proportion mean square error between the target individual industrial and commercial customer and the multiple upstream transaction objects is obtained through calculation, and according to the transaction proportion mean square error, an operation condition score of the target individual industrial and commercial customer is determined, and the transaction proportion mean square error is negatively correlated with the operation condition score. The operation condition score of the target individual industrial and commercial company is determined through the transaction proportion mean square deviation between the target individual industrial and commercial company and a plurality of upstream transaction objects according to the invoice data of the target individual industrial and commercial company in the first preset time, so that the data processing accuracy when the operation condition score of the target individual industrial and commercial company is determined according to the operation condition information is improved, the loan risk is avoided, and the sustainable development of the loan service is ensured.

In one possible example, the determining the business condition score of the target individual industrial and commercial company according to the business condition information includes: acquiring a plurality of downstream transaction objects of the target individual industrial and commercial customers according to the invoice data in the second preset time, wherein the downstream transaction objects are corresponding buyers in the invoice data in the second preset time when the target individual industrial and commercial customers are sellers; determining at least one return downstream transaction object, wherein the return downstream transaction object is a downstream transaction object of which the transaction times with a target individual industrial and commercial customer are greater than a first preset time; determining a return transaction object ratio according to the quantity of the at least one return downstream transaction object and the quantity of the plurality of downstream transaction objects, wherein the return transaction object ratio is the quantity of the at least one return downstream transaction object/the quantity of the plurality of downstream transaction objects; and determining the operation condition score of the target individual industrial and commercial company according to the return transaction object proportion and the invoice data of the target individual industrial and commercial company in the second preset time.

In one possible example, the determining the operation condition score of the target individual industrial and commercial business according to the return transaction object proportion and the invoice data of the target individual industrial and commercial business within the second preset time includes: if the ratio of the return transaction objects is larger than a second preset ratio, determining the average transaction frequency of the target individual industrial and commercial company and at least one return downstream transaction object within a second preset time according to the invoice data of the target individual industrial and commercial company within the second preset time, and determining the operation condition score of the target individual industrial and commercial company according to the ratio of the return transaction objects and the average transaction frequency; and if the back transaction object proportion is less than or equal to a second preset proportion, determining the profit capacity value of the target individual industrial and commercial company within a second preset time according to the invoice data of the target individual industrial and commercial company within the second preset time, and determining the operation condition score of the target individual industrial and commercial company according to the back transaction object proportion and the profit capacity value within the second preset time.

The second preset time may be within the past 1 year, within the past 2 years, or other time, or may be equal to the first preset time.

The downstream transaction object is a buyer corresponding to the target individual business entity as a seller in the invoice data within the second preset time, that is, the downstream transaction object is a buyer of the target individual business entity on a certain commodity or technical service.

The first preset number of times may be 2 times, 3 times or other numbers.

The second predetermined ratio may be 30%, 50% or other ratios.

When the proportion of the return transaction objects is greater than the second preset proportion, the average transaction frequency of the target individual industrial and commercial tenant and at least one return downstream transaction object within the second preset time is determined according to the invoice data of the target individual industrial and commercial tenant within the second preset time.

The operation condition score of the target individual industrial and commercial business is determined according to the back-end transaction object ratio and the average transaction frequency, and in specific implementation, the operation condition score may be the back-end transaction ratio 100.

When the return transaction object occupation ratio is less than or equal to a second preset occupation ratio, the profit value of the target individual industrial and commercial customer within a second preset time is determined according to invoice data of the target individual industrial and commercial customer within the second preset time.

The operation condition score of the target individual industrial and commercial company is determined according to the return transaction object ratio and the profit capacity value within the second preset time, and in specific implementation, the operation condition score may be the profit capacity value (1+ return transaction object ratio).

Illustratively, according to invoice data in a second preset time, 100 downstream transaction objects of the target individual industrial and commercial business are obtained, wherein the transaction times between 20 downstream transaction objects and the target individual industrial and commercial business are greater than the first preset time, that is, 20 back-to-back downstream transaction objects are determined, so that the back-to-back transaction object ratio is determined to be 20/100-0.2, (1) if the second preset ratio is 0.15, the back-to-back transaction object ratio is greater than the second preset ratio, the back-to-back transaction object ratio is greater, which indicates that the main water of the target individual industrial and commercial business comes from consumption of the back-to-back customers, and therefore, according to the invoice data of the target individual industrial and commercial business in the second preset time, assuming that the average transaction times of the target individual industrial and at least one back-to-back downstream transaction object in the second preset time are determined to be 4, the commercial business score to the target individual industrial and commercial business is determined according to the back-to-back transaction object ratio and the average transaction frequency Trade proportion 100 average trade frequency 0.2 100 4 80; (2) if the second preset occupation ratio is 0.25, the returning transaction object occupation ratio is smaller than the second preset occupation ratio, the returning transaction object occupation ratio is smaller, and it is indicated that the returning customers of the target individual industrial and commercial company are fewer, so the profit capacity of the target individual industrial and commercial company in operation needs to be considered heavily, and if the profit capacity value of the target individual industrial and commercial company in the second preset time is obtained to be 0.6 according to the invoice data of the target individual industrial and commercial company in the second preset time, the operation condition score of the target individual industrial and commercial company is determined to be 0.6 (1+ returning transaction object occupation ratio) and 0.6 (1+0.2) and 72 according to the returning transaction object occupation ratio and the profit capacity value in the second preset time.

It can be seen that, in the embodiment of the present application, when the operation condition information includes invoice data of the target individual industrial and commercial tenant within the second preset time, a plurality of downstream transaction objects of the target individual industrial and commercial tenant are obtained, a back transaction object proportion is determined according to the number of back downstream transaction objects and the number of downstream transaction objects, and when the back transaction object proportion is greater than the second preset proportion, an average transaction frequency of the target individual industrial and commercial tenant and at least one back downstream transaction object within the second preset time is determined according to the invoice data of the target individual industrial and commercial tenant within the second preset time, and an operation condition score of the target individual industrial and commercial tenant is determined according to the back transaction object proportion and the average transaction frequency; and when the return transaction object proportion is less than or equal to a second preset proportion, determining the profit capacity value of the target individual industrial and commercial company within a second preset time according to the invoice data of the target individual industrial and commercial company within the second preset time, and determining the operation condition score of the target individual industrial and commercial company according to the return transaction object proportion and the profit capacity value within the second preset time. The operation condition score of the target individual industrial and commercial tenant is determined through the back transaction object proportion and the invoice data of the target individual industrial and commercial tenant in the second preset time, so that the data processing accuracy when the operation condition score of the target individual industrial and commercial tenant is determined according to the operation condition information is improved, the loan risk is avoided, and the sustainable development of the loan service is ensured.

In one possible example, the determining the business condition score of the target individual industrial business according to the business condition information includes: analyzing the time-administration information within the third preset time, and determining the benign information proportion of the time-administration information within the third preset time, wherein the benign information proportion is the proportion of the time-administration information which is favorable information for the operation range of the target individual industrial and commercial business in the time-administration information within the third preset time; and if the benign information proportion is greater than the third preset proportion, determining the operation condition score of the target individual industrial and commercial company according to the benign information proportion, wherein the benign information proportion is positively correlated with the operation condition score of the target individual industrial and commercial company.

The third preset time may be within 3 months, within 6 months or other time.

In a specific implementation, the time-administration information in the third preset time is classified according to preset keywords, for example, if a keyword included in policy information related to the operation range of a target individual industrial and commercial business is a resistant word eye such as "forbid", "limit", "stop", and the like, the policy information is determined to be not the benign information, and if the keyword included in the policy information is a positive word eye such as "support", "assist", "encourage", and the like, the policy information is determined to be the benign information.

The third predetermined proportion may be 60%, 80% or other proportions.

It can be seen that, in the embodiment of the present application, when the operation condition information includes time administration information within a third preset time, the time administration information within the third preset time is analyzed, and if it is determined that a benign information proportion of the time administration information within the third preset time is greater than a third preset proportion, the operation condition score of the target individual industrial and commercial business is determined according to the benign information proportion, and the benign information proportion is positively correlated with the operation condition score of the target individual industrial and commercial business. The operation condition score of the target individual industrial and commercial business is determined through the benign information proportion of the temporal information in the third preset time, so that the data processing accuracy when the operation condition score of the target individual industrial and commercial business is determined according to the operation condition information is improved, the loan risk is avoided, and the sustainable development of the loan service is ensured.

Referring to fig. 5, in accordance with the embodiment shown in fig. 2, fig. 5 is a structural diagram of a credit granting and evaluating apparatus for individual industry and business loan according to an embodiment of the present application, as shown in fig. 5:

an individual traded merchant loan credit granting assessment device, said device comprising:

301: the receiving unit is used for receiving a loan application, and the loan application is used for requesting to obtain guarantee loan for a target individual business;

302: the scoring unit is used for acquiring the operation condition information of the target individual industrial and commercial customers and determining the operation condition score of the target individual industrial and commercial customers according to the operation condition information;

303: the acquisition unit is used for acquiring the geographical position information of the target individual industrial and commercial company if the operation condition score of the target individual industrial and commercial company is larger than a first preset score;

304: the determining unit is used for determining business objects of the target individual industrial and commercial enterprises according to the geographical position information of the target individual industrial and commercial enterprises, and the business objects comprise online users or offline users;

305: and the feedback unit is used for determining a feedback result of the loan application according to the business object of the target individual business entity.

It can be seen that, in the apparatus provided in the embodiment of the present application, a loan application is received by the receiving unit, and the loan application is used for requesting to obtain a guarantee loan for a target individual business entity; obtaining the operation condition information of the target individual industrial and commercial customers through a scoring unit, and determining the operation condition score of the target individual industrial and commercial customers according to the operation condition information; through the acquisition unit, if the operation condition score of the target individual industrial and commercial customer is greater than a first preset score, acquiring the geographical position information of the target individual industrial and commercial customer; determining business objects of the target individual industrial and commercial enterprises according to the geographical position information of the target individual industrial and commercial enterprises through a determining unit, wherein the business objects comprise online users or offline users; and determining a feedback result of the loan application according to the business object of the target individual industrial and commercial company through a feedback unit. By adopting the device provided by the embodiment of the application, the current operating condition is determined to be good according to the condition score of the target individual industrial and commercial company being larger than the first preset score, the business object of the target individual industrial and commercial company is further determined, whether the good condition of the operating condition of the target individual industrial and commercial company has sustainability is judged, and then the feedback result of the loan application of the target individual industrial and commercial company is finally determined.

Specifically, in the embodiment of the present application, the credit granting and evaluating device for individual business entity loans may be divided into the functional units according to the above method example, for example, each functional unit may be divided according to each function, or two or more functions may be integrated into one processing unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit. It should be noted that the division of the unit in the embodiment of the present application is schematic, and is only a logic function division, and there may be another division manner in actual implementation.

In accordance with the embodiment shown in fig. 2, an electronic device is provided in an embodiment of the present application, please refer to fig. 6, fig. 6 is a schematic diagram illustrating a server structure of a hardware operating environment of an electronic device provided in an embodiment of the present application, and as shown in fig. 6, the electronic device includes a processor, a memory, and computer-executable instructions stored in the memory and operable on the processor, and when the computer-executable instructions are executed, the electronic device executes instructions including steps of a credit granting evaluation method for any one of the individual industrial and commercial customers' loans.

Wherein, the processor is a CPU (Central Processing Unit).

The memory may be a high-speed RAM memory, or may be a stable memory, such as a disk memory.

Those skilled in the art will appreciate that the configuration of the server shown in fig. 6 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.

As shown in fig. 6, the memory may include computer-implemented instructions for an operating system, a network communication module, and a method for credit assessment of individual merchant loans. The operating system is used for managing and controlling hardware and software resources of the server and supporting the operation of executing instructions by the computer. The network communication module is used for realizing communication between each component in the memory and communication with other hardware and software in the server, and the communication may use any communication standard or protocol, including but not limited to GSM (Global System of Mobile communication), GPRS (General Packet Radio Service), CDMA2000(Code Division Multiple Access 2000), WCDMA (Wideband Code Division Multiple Access), TD-SCDMA (Time Division-Synchronous Code Division Multiple Access), etc.

In the server shown in fig. 6, the processor is configured to execute computer-executable instructions for personnel management stored in the memory, and to implement the following steps: receiving a loan application, wherein the loan application is used for obtaining guarantee loan for a request of a target individual tradesman and merchant; acquiring the operation condition information of target individual industrial and commercial customers, and determining the operation condition score of the target individual industrial and commercial customers according to the operation condition information; if the operation condition score of the target individual industrial and commercial company is larger than a first preset score, acquiring the geographical position information of the target individual industrial and commercial company; determining business objects of the target individual industrial and commercial enterprises according to the geographical position information of the target individual industrial and commercial enterprises, wherein the business objects comprise online users or offline users; and determining a feedback result of the loan application according to the business object of the target individual business entity.

For specific implementation of the server related to the present application, reference may be made to the above embodiments of the credit granting evaluation method for individual business entity loans, which are not described herein again.

The embodiment of the application provides a computer-readable storage medium, in which computer instructions are stored, and when the computer instructions are run on a communication device, the communication device is caused to execute part or all of the steps of any one of the credit granting and evaluating methods for loan of individual industry and business entities as described in the above method embodiments. The computer includes an electronic device.

The electronic terminal equipment comprises a mobile phone, a tablet computer, a personal digital assistant, wearable equipment and the like.

The computer-readable storage medium may be an internal storage unit of the electronic device described in the above embodiments, for example, a hard disk or a memory of the electronic device. The computer readable storage medium may also be an external storage device of the electronic device, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, provided on the electronic device. Further, the computer-readable storage medium may also include both an internal storage unit and an external storage device of the electronic device. Computer-readable storage media are used to store computer-executable instructions and data as well as other computer-executable instructions and data needed by electronic devices. The computer-readable storage medium may also be used to temporarily store data that has been output or is to be output.

For specific implementation of the computer-readable storage medium related to the present application, reference may be made to the above embodiments of the credit granting evaluation method for individual business entity loans, which are not described herein again.

Embodiments of the present application provide a computer program product, wherein the computer program product comprises a computer program operable to cause a computer to perform some or all of the steps of any of the methods for credit assessment of individual industrial and commercial merchant loans as described in the above method embodiments, and the computer program product may be a software installation package.

It should be noted that any of the above embodiments of the credit granting and evaluating method for individual merchant loan is described as a series of actions for simplicity of description, but those skilled in the art should understand that the present application is not limited by the described action sequence, as some steps may be performed in other sequences or simultaneously according to the present application. Further, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred and that no particular act is required to implement the invention.

The above embodiments of the present application are introduced in detail, and the principle and implementation of the method for assessing credit of individual business entity loan of the present application are explained herein by applying specific embodiments, and the description of the above embodiments is only used to help understand the method and the core ideas of the method; meanwhile, for those skilled in the art, according to the idea of the credit granting evaluation method for individual business loan of the present application, the specific implementation and application scope may be changed, and in summary, the content of the present specification should not be construed as a limitation to the present application.

While the present application has been described in connection with various embodiments, other variations to the disclosed embodiments can be understood and effected by those skilled in the art in practicing the claimed application, from a review of the drawings, the disclosure, and the appended claims. In the claims, the word "comprising" does not exclude other elements or steps, and the word "a" or "an" does not exclude a plurality. The mere fact that certain measures are recited in mutually different dependent claims does not indicate that a combination of these measures cannot be used to advantage.

It will be understood by those skilled in the art that all or part of the steps of the various methods of the method embodiments of any of the above described methods for credit assessment of individual merchant loans may be performed by associated hardware instructed by a program, which may be stored in a computer-readable memory, which may include: flash Memory disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.

It will be apparent to those skilled in the art that various modifications and variations can be made in the trust assessment method for individual business loan provided by the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.

Claims

1. A credit granting and evaluating method for individual industrial and commercial merchant loan, which is characterized in that the method comprises the following steps:

receiving a loan application, wherein the loan application is used for requesting to obtain a guarantee loan for a target individual business;

acquiring the operation condition information of the target individual industrial and commercial customers, and determining the operation condition score of the target individual industrial and commercial customers according to the operation condition information;

if the operation condition score of the target individual industrial and commercial customer is larger than a first preset score, acquiring the geographical position information of the target individual industrial and commercial customer;

2. The method according to claim 1, wherein if it is determined that the business object of the target individual industrial company is the offline user, the determining the feedback result of the loan application according to the business object of the target individual industrial company comprises:

and determining that the feedback result of the loan application is that the target individual business entity is agreed to obtain the guarantee loan or the target individual business entity is agreed to obtain the guarantee loan with the first amount.

3. The method according to claim 1 or 2, wherein if it is determined that the business object of the target individual industrial company is the online user, the determining the feedback result of the loan application according to the business object of the target individual industrial company comprises:

obtaining the network evaluation of the target individual industrial and commercial customers;

analyzing the network evaluation of the target individual industrial and commercial customers, and determining the network evaluation level of the target individual industrial and commercial customers;

and if the network evaluation level of the target individual industrial and commercial tenant is higher than a first preset level, determining that the feedback result of the loan application is to agree with the target individual industrial and commercial tenant to obtain a guarantee loan or agree with the target individual industrial and commercial tenant to obtain a guarantee loan of a first amount.

4. The method of claim 1, wherein the geographic location information comprises business place information of the target individual industrial business, and wherein determining business objects of the target individual industrial business according to the geographic location information of the target individual industrial business comprises:

determining a plurality of peripheral enterprises according to the information of the business place of the target individual industrial and commercial enterprises, wherein the peripheral enterprises are enterprises within a first preset distance range from the target individual industrial and commercial enterprises;

acquiring the operation range of the target individual industrial and commercial business and the operation range of each peripheral enterprise in the plurality of peripheral enterprises;

matching the operation range of the target individual industrial and commercial enterprises with the operation range of each peripheral enterprise in the plurality of peripheral enterprises to determine the occupation ratio of the same-row enterprises, wherein the occupation ratio of the same-row enterprises is the ratio of the number of the peripheral enterprises, the operation range of which is successfully matched with the target individual industrial and commercial enterprises, to the number of the plurality of peripheral enterprises;

if the occupation ratio of the same-row enterprise is smaller than a first preset occupation ratio, determining the business object of the target individual industrial and commercial business as the online user; and/or if the occupation ratio of the same-row enterprise is greater than or equal to the first preset occupation ratio, determining the business object of the target individual industrial and commercial business as the offline user.

5. The method of claim 4, further comprising:

acquiring the business years of each peripheral enterprise;

determining the median of the business years of the peripheral enterprises according to the business years of each peripheral enterprise;

if the occupation ratio of the same-row enterprise is smaller than a first preset occupation ratio, determining the business object of the target individual industrial and commercial business as the online user; and/or if the business proportion of the same-row enterprise is greater than or equal to the first preset proportion, determining that the business object of the target individual industrial and commercial business is the offline user, wherein the business object comprises the following steps:

if the occupation ratio of the same-row enterprise is smaller than the first preset occupation ratio and the median of the business years is smaller than the first preset median, determining the business object of the target individual industrial and commercial business as the online user; and/or if the occupation ratio of the same-row enterprise is greater than or equal to the first preset occupation ratio and the median of the business years is greater than or equal to the first preset median, determining the business object of the target individual industrial and commercial business as the offline user.

6. The method of claim 1, the business condition information comprising invoice data for the target individual industrial business within a first preset time, the determining a business condition score for the target individual industrial business from the business condition information comprising:

acquiring a plurality of upstream transaction objects of the target individual industrial and commercial customers according to the invoice data in the first preset time, wherein the upstream transaction objects are sellers corresponding to the target individual industrial and commercial customers as buyers in the invoice data in the first preset time;

calculating to obtain the transaction proportion mean square error between the target individual industrial and commercial customer and the plurality of upstream transaction objects according to invoice data corresponding to each upstream transaction object in the plurality of upstream transaction objects;

and determining the operation condition score of the target individual industrial and commercial business according to the transaction proportion mean square error, wherein the transaction proportion mean square error is in negative correlation with the operation condition score.

7. The method of claim 1, wherein the business situation information includes invoice data of the target individual industrial and commercial entity within a second preset time, and wherein determining the business situation score of the target individual industrial and commercial entity according to the business situation information includes:

acquiring a plurality of downstream transaction objects of the target individual industrial and commercial customers according to the invoice data in the second preset time, wherein the downstream transaction objects are corresponding buyers in the invoice data in the second preset time when the target individual industrial and commercial customers are sellers;

determining at least one return downstream transaction object, wherein the return downstream transaction object is the downstream transaction object of which the transaction times with the target individual industrial and commercial customer are greater than a first preset time;

determining a return transaction object ratio according to the number of the at least one return downstream transaction object and the number of the plurality of downstream transaction objects, wherein the return transaction object ratio is the number of the at least one return downstream transaction object/the number of the plurality of downstream transaction objects;

and determining the operation condition score of the target individual industrial and commercial company according to the return transaction object proportion and the invoice data of the target individual industrial and commercial company in second preset time.

8. An individual tradesman loan credit granting assessment device, said device comprising:

the system comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving a loan application, and the loan application is used for requesting to obtain a guarantee loan for a target individual business;

the acquisition unit is used for acquiring the geographical position information of the target individual industrial and commercial company if the operating condition score of the target individual industrial and commercial company is greater than a first preset score;

9. An electronic device comprising a processor, a memory, and computer-executable instructions stored on the memory and executable on the processor, which when executed cause the electronic device to perform the method of any of claims 1-7.

10. A computer readable storage medium having stored thereon computer instructions which, when run on a communication device, cause the communication device to perform the method of any one of claims 1-7.