TWI818220B - Amount and interest rate approval system for enterprise online loan application and method thereof - Google Patents

Abstract

An amount and interest rate approval system for enterprise online loan application and a method thereof are provided. Joint credit information is imported from corporate finance credit management system according to enterprise change registration information, industrial and commercial certificate and natural person certificate by bank server. Score ratio, sales to tax ratio, and report information ratio are transformed respectively from joint credit information, sales and tax returns of business owners, income tax return information for the past N years. Approved loan amount and/or approved loan interest rate are calculated from loan application amount of application basic information and/or loan interest rate multiply by score ratio, sales to tax ratio, and report information ratio by bank server. Fee payment information for the recent N years is imported from external server by bank server. Adjustment ratio is transformed from fee payment information for the recent N years. Approved loan amount and/or approved loan interest rate are calculated and adjusted through multiply by adjustment ratio. Therefore, the efficiency of enterprise online loan amount and/or interest rate approval intelligently may be achieved.

Description

System and method for determining the amount and interest rate of corporate online loan applications

An online loan application and loan application system and its method, in particular, refers to an enterprise online loan application for a bank server to convert various data into corresponding ratios to calculate the loan amount and/or loan interest rate based on each ratio. Amount and interest rate assessment system and method.

In response to the trend of financial digitization and the implementation of inclusive finance, providing companies with online loan applications will be the current development direction. In loan applications, how to verify the loan amount and loan interest rate has always been the focus of the loan business. The amount of the loan and the interest rate will affect the willingness to apply for a loan, but banks must also consider the problem of bad debts. Therefore, how to determine the loan amount and interest rate when applying for a loan online? The focus of this invention.

In summary, it can be seen that there is a problem in the previous technology that it is difficult to verify the loan amount and loan interest rate when applying for an online loan. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem in the prior art that it is difficult to determine the loan amount and loan interest rate when applying for an online loan, the present invention discloses a system and method for determining the amount and interest rate of an enterprise's online loan application, wherein:

The enterprise online loan application amount and interest rate determination system disclosed by the present invention includes: an enterprise server and a bank server; the enterprise server further includes: an enterprise information receiving module, an enterprise information transmitting module and a data display module; The bank server also includes: server receiving module, external information receiving module, data conversion module, loan calculation module and server transmission module.

The enterprise information receiving module of the enterprise server is used to receive basic application information, enterprise change registration information, business sales and tax declarations, and income tax declaration information in the past N years, where N is an integer greater than or equal to 3, and receive Approved loan amount and approved loan interest rate; the enterprise information transmission module of the enterprise server is used to transmit basic application information, enterprise change registration information, business person sales and tax returns, and income tax declaration information in the past N years, as well as transmit industrial and commercial information Certificates and natural person certificates; and the data display module of the enterprise server are used to display the approved loan amount, approved loan interest rate, and loan period in the basic application information.

The server receiving module of the bank server is used to receive basic application information, enterprise change registration information, business person sales and tax returns, and income tax declaration information for the past N years from the enterprise information transmission module, as well as receive industrial and commercial certificates and Natural person certificate; the external information receiving module of the bank server is used to import the corresponding joint data from the enterprise financial credit management system based on the enterprise change registration information, industrial and commercial certificates and natural person certificates; the data conversion module of the bank server is used The credit score of the imported joint tax data is converted into a score ratio based on the credit score range in the conversion table, and the tax payable in the business person's sales and tax declaration is converted into a sales and tax payable based on the tax range in the conversion table. Tax amount ratio, the income tax amount of each year in the nearly N years of income tax declaration information is converted into the income tax amount ratio of each year according to the income tax amount range in the conversion table, and then the income tax amount ratio of each year is averaged to calculate the declaration information Ratio; the loan calculation module of the bank server is used to multiply the loan application amount in the basic application information by the score ratio, sales and tax ratio, and declaration information ratio to calculate the loan amount, and/or the loan interest rate Multiply the score ratio, sales to tax ratio and declaration information ratio to calculate the approved loan interest rate; and the server transmission module of the bank server is used to send the approved loan amount and approved loan interest rate to the enterprise information receiving module.

The method for determining the amount and interest rate of an enterprise's online loan application disclosed by the present invention includes the following steps:

First, the enterprise server receives basic application information, enterprise change registration information, business sales and tax returns, and income tax declaration information for the past N years, where N is an integer greater than or equal to 3; then, the enterprise server sends the basic application information , enterprise change registration information, business person sales and tax declarations, and income tax declaration information in the past N years to the bank server; then, the enterprise server sends the industrial and commercial certificate and natural person certificate to the bank server; then, the bank server sends the business certificate to the bank server according to the enterprise Change the registration item information, industrial and commercial certificates, and natural person certificates and import the corresponding joint data from the credit management system; then, the bank server converts the credit score imported into the joint data into a score ratio based on the credit score range in the conversion table. The tax payable amount in the sales and tax amount declaration of the business person is converted into the sales and tax amount ratio according to the tax payable amount range in the conversion table. The income tax amount for each year in the income tax information reported in the past N years is based on the income tax amount in the conversion table. The range is converted into the income tax amount ratio for each year, and then the income tax amount ratio for each year is averaged to calculate the declaration information ratio; then, the bank server multiplies the loan application amount in the basic application information by the score ratio, sales volume and The tax ratio and the declared information ratio are used to calculate the approved loan amount, and/or the loan interest rate is multiplied by the score ratio, the sales to tax ratio and the declared information ratio to calculate the approved loan interest rate; then, the bank server sends the approved loan amount And the approved loan interest rate is sent to the enterprise server; finally, the enterprise server displays the approved loan amount, approved loan interest rate, and loan period in the basic application information.

The system and method disclosed by the present invention are as above. The difference between them and the prior art is that the enterprise server provides basic application information, enterprise change registration information, business sales and tax declarations, income tax declaration information in the past N years, and industrial and commercial certificates. and natural person certificates to the bank server. The bank server imports the corresponding joint collection data from the enterprise credit management system based on the company's change registration information, industrial and commercial certificates, and natural person certificates. The bank server will import the joint collection data, business person's sales volume, and tax amount. The declaration form and income tax information reported in the past N years are correspondingly converted into score ratio, sales to tax amount ratio and declaration information ratio. The bank server multiplies the loan application amount in the basic application information by the score ratio, sales to tax amount ratio and declaration information ratio. Calculate the approved loan amount, and/or multiply the loan interest rate by the score ratio, the sales to tax ratio and the declaration information ratio to calculate the approved loan interest rate, and transmit the approved loan amount and the approved loan interest rate to the enterprise server.

Through the above technical means, the present invention can achieve the technical effect of providing intelligent enterprise online loan amount and/or interest rate assessment.

The embodiments of the present invention will be described in detail below with reference to the drawings and examples, so that the implementation process of how to apply technical means to solve technical problems and achieve technical effects of the present invention can be fully understood and implemented accordingly.

The following will first describe the amount and interest rate assessment system for corporate online loan applications disclosed in the present invention. Please refer to "Figure 1". "Figure 1" illustrates the amount and interest rate assessment system for corporate online loan applications according to the present invention. System block diagram of the system.

The amount and interest rate determination system for enterprise online loan applications disclosed by the present invention includes: an enterprise server 10 and a bank server 20. The enterprise server 10 further includes: an enterprise information receiving module 11, an enterprise information transmitting module 12 and The data display module 13; the bank server 20 further includes: a server receiving module 21, an external information receiving module 22, a data conversion module 23, a credit calculation module 24 and a server transmitting module 25.

The enterprise server 10 and the bank server 20 establish a connection through wired transmission or wireless transmission. The aforementioned wired transmission method is, for example, a cable network, an optical fiber network, etc., and the aforementioned wireless transmission method is, for example, Wi-Fi. Fi, mobile communication network (for example: 3G, 4G, 5G, etc.), etc. are only used as examples and do not limit the application scope of the present invention.

When the enterprise server 10 connects to the bank server 20 for online loan application, the enterprise server 10 first inputs communication information on the user page provided by the bank server 20. The aforementioned communication information is, for example: email address, mobile phone Number...etc. are only used as examples here and do not limit the application scope of the present invention. The bank server 20 will then use the corresponding transmission method (i.e. email transmission method, SMS transmission method...etc.) based on the communication information. This is for illustration only and does not limit the application scope of the present invention.) Provide verification codes to corresponding electronic devices. The aforementioned electronic devices are, for example, general computers, laptops, tablets, smart phones, etc. , are only used as examples and do not limit the application scope of the present invention.

The enterprise server 10 can log in and verify the bank server 20 through the verification code. Then, the enterprise server 10 can input the basic application information through the user page provided by the bank server 20. The aforementioned basic application information includes: : The name of the company, the unified number of the company, the amount of the loan applied for, the loan period, etc. are only used as examples and do not limit the application scope of the present invention. When the company server 10 chooses to transfer the credit guarantee fund, the bank server The enterprise name, enterprise unified number, etc. in the basic application information can be transferred to the Credit Guarantee Fund through the tool 20.

The enterprise information receiving module 11 of the enterprise server 10 can receive the basic application information from the user page. The enterprise information receiving module 11 of the enterprise server 10 can then receive the enterprise change registration matter information and business information from the user page in the form of an attached file. Personal sales and tax returns and income tax information reported in the past N years, where N is an integer greater than or equal to 3.

When the enterprise information receiving module 11 of the enterprise server 10 receives the basic application information, enterprise change registration information, business person sales and tax returns, and income tax declaration information in the past N years, the enterprise information of the enterprise server 10 can be received The transmission module 12 transmits basic application information, enterprise change registration information, business person sales and tax declarations, and income tax declaration information for the past N years to the bank server 20 .

The enterprise server 10 can pre-store the enterprise's industrial and commercial certificate and the natural person's certificate responsible for the enterprise, or the enterprise server 10 obtains the enterprise's industrial and commercial certificate and the natural person's certificate responsible for the enterprise through an external reading device, and the enterprise information of the enterprise server 10 The transmission module 12 can also transmit industrial and commercial certificates and natural person certificates to the bank server 20 .

The server receiving module 21 of the bank server 20 can receive basic application information, enterprise change registration information, business person sales and tax returns, and income tax returns for the past N years from the enterprise information transmission module 12 of the enterprise server 10 Information, the server receiving module 21 of the bank server 20 will also receive industrial and commercial certificates and natural person certificates from the enterprise information transmission module 12 of the enterprise server 10, and receive basic application information and enterprise change registration information on the bank server 20 , business person's sales and tax declaration, and income tax information declaration in the past N years, you can further transmit it through email, SMS transmission, etc. This is only an example and does not limit the scope of application of the present invention. A notification is sent to the corresponding electronic device to let the enterprise applying for a loan know the bank's basic application confirmation information, enterprise change registration information, business owner sales and tax declarations, and income tax declaration information in the past N years.

And the bank server 20 will conduct a Know Your Customer (KYC) call with the applicant company based on the basic application information, company change registration information, business sales and tax returns, and income tax declaration information for the past N years. operations, and conduct on-site visits when necessary to verify the uploaded information.

Then, the external information receiving module 22 of the bank server 20 can import corresponding joint data from the enterprise financial credit management system based on the company's change registration information, industrial and commercial certificates, and natural person certificates. The data obtained by the Joint Financial Credit Information Center, the Judicial Yuan, the Money Laundering Prevention Center, etc. are only used as examples here, and do not limit the scope of application of the present invention. The bank server 20 can further determine based on the joint data. The approval of the enterprise's loan application, that is, when the credit score in the joint collection data is lower than the threshold, the bank server 20 can directly reject the enterprise's loan application. This is only an example and does not limit this article. Scope of application of the invention.

Next, the data conversion module 23 of the bank server 20 converts the credit score range in the imported joint tax data conversion table into a score ratio, and converts the sales amount of the business person to the tax payable amount in the tax declaration according to the conversion table. Convert the taxable amount range in the sales to tax amount ratio, convert the income tax amount for each year in the income tax declaration information of the past N years into the income tax amount ratio for each year according to the income tax amount range in the conversion table, and then convert the income tax amount for each year The income tax amount ratios are averaged to calculate the filing information ratio.

Please refer to "Figure 2". "Figure 2" illustrates the conversion diagram of the amount and interest rate assessment of the online loan application of the enterprise of the present invention.

Specifically, assume that the credit score of the imported joint loan data is 85, and the credit score range in the conversion table 31 is the score ratio corresponding to 80 to 89 (the loan score ratio is used as an example here, not the Limiting the application scope of the present invention) is 1.1, the data conversion module 23 of the bank server 20 can convert the credit score of 85 imported into the linked data into a score ratio based on the credit score range of 80 to 89 in the conversion table 31 1.1, which is only used as an example and does not limit the application scope of the present invention.

Specifically, it is assumed that the tax payable in the sales and tax return of the business person is 100,000, and the tax payable range in the conversion table 31 is the sales and tax ratio corresponding to 100,000 to 500,000 (herein based on As an example, the ratio of loan sales to tax amount does not limit the application scope of the present invention) is 1.05. The data conversion module 23 of the bank server 20 can convert the business person's sales amount to the tax payable amount in the tax declaration form as 100,000 is converted into a sales to tax ratio of 1.05 based on the tax payable range in the conversion table 31 of 100,000 to 500,000. This is only an example and does not limit the application scope of the present invention.

Specifically, assuming that the income tax amounts for each year in the income tax information reported for the next three years are 250,000, 300,000, and 150,000 respectively, the income tax amount in the conversion table 31 ranges from 100,000 to less than 200,000. The ratio (the loan income tax ratio is used as an example here, but does not limit the application scope of the present invention) is 0.9. The income tax range in the conversion table 31 is the income tax ratio corresponding to 200,000 to less than 300,000. is 1, the income tax amount in the conversion table 31 ranges from 300,000 to less than 400,000, and the corresponding income tax amount ratio is 1.05. The data conversion module 23 of the bank server 20 can convert the income tax amount to 250,000 according to the conversion table. The income tax amount in 31 ranges from 200,000 to less than 300,000 and is converted into an income tax amount ratio of 1. The data conversion module 23 of the bank server 20 can convert the income tax amount to 300,000 according to the conversion table 31. The income tax amount range is The conversion ratio of 300,000 to less than 400,000 into income tax amount is 1.05. The data conversion module 23 of the bank server 20 can convert the income tax amount to 150,000. According to the income tax amount in the conversion table 31, the range of income tax amount is 100,000 to less than 200,000. Converted to an income tax amount ratio of 0.9, the data conversion module 23 of the bank server 20 will average the income tax amount ratios of 1, 1.05 and 0.9 for each year to calculate a declaration information ratio of 0.983, which is only The examples are given for illustration and do not limit the scope of application of the present invention.

Next, the loan approval calculation module 24 of the bank server 20 is used to multiply the loan application amount in the basic application information by the score ratio, the sales and tax ratio, and the declaration information ratio to calculate the loan amount, and/or The loan interest rate is multiplied by the score ratio, the sales to tax ratio and the declaration information ratio to calculate the approved loan interest rate. That is, the loan approval calculation module 24 of the bank server 20 can independently adjust the loan application amount or the approved loan interest rate. The loan approval calculation module 24 of the bank server 20 can also adjust the loan application amount and the loan approval interest rate at the same time.

Following the above example, assuming that the loan application amount in the basic application information is 5 million, the loan approval calculation module 24 of the bank server 20 can multiply the loan application amount in the basic application information to 5 million by the scoring ratio (which is the corresponding The loan score ratio) is 1.1 and then multiplied by the sales to tax ratio (here is the corresponding loan sales to tax ratio) is 1.05 and then multiplied by the declaration information ratio (here is the corresponding loan declaration information ratio) is 0.983 is used to calculate the approved loan amount to 5,676,825. This is only an example and does not limit the application scope of the present invention.

Following the above example, assuming that the application loan interest rate is 1.6%, the loan approval calculation module 24 of the bank server 20 can multiply the application loan interest rate of 1.6% by the score ratio (here, the corresponding interest rate score ratio) to 0.9. Multiply by the sales to tax ratio (here is the corresponding interest rate sales to tax ratio) is 0.95 and then multiply by the declaration information ratio (here is the corresponding interest rate declaration information ratio) to be 1.017 to calculate the approved loan interest rate: 1.391 is only used as an example and does not limit the application scope of the present invention.

When the loan calculation module 24 of the bank server 20 calculates the loan amount and/or the loan interest rate, the bank server 20 can further transmit it through email, SMS transmission, etc. This is only an example. However, this does not limit the application scope of the present invention. It sends a notification to the corresponding electronic device to let the enterprise applying for a loan know that it needs to carry out the loan verification process, that is, attaching the super guarantee area in the email or text message. Link, so that enterprises applying for loans can connect to the guarantee area through electronic devices to complete the guarantee process.

The guarantee procedure is to create a complete electronic document of the loan application and contract and provide it to the enterprise applying for the loan by e-mail transmission, and save it in the bank server 20 for review. The electronic document of the complete loan application and contract is Files include documents, voice files, magnetic track recording IP, etc. This is only an example, and does not limit the scope of application of the present invention. The guarantee program is established through industrial and commercial certificates, natural person certificates and video files. Complete the guarantee.

When the loan calculation module 24 of the bank server 20 calculates the loan amount and/or the loan interest rate, the server transmission module 25 of the bank server 20 can send the loan amount and the loan interest rate to The enterprise server 10, the enterprise information receiving module 11 of the enterprise server 10 can receive the approved loan amount and the approved loan interest rate from the server transmission module 25 of the bank server 20, and then display the approved loan amount through the data display module of the enterprise server 10 13 Displays the approved loan amount, approved loan interest rate and loan period in the basic application information.

It is worth noting that the external information receiving module 22 of the bank server 20 further includes the corresponding fee payment data for the past N years imported from the external server through the API based on the basic application information, industrial and commercial certificates and natural person certificates.

The data conversion module 23 of the bank server 20 further includes converting the usage frequency/payment fee/number of insured persons in each year in the nearly N years of fee payment data according to the usage degree range/payment fee range/number of insured persons in the conversion table 31. The data ratio of each year is then averaged to calculate the adjustment ratio. The aforementioned fee payment information is selected from electricity fee payment information, water fee payment information, telecommunications fee payment information, labor insurance premium payment information and health insurance. The combination of fee payment information is only illustrated here, and does not limit the scope of application of the present invention.

Specifically, assuming that the fee payment data for the next three years is electricity fee payment data and the usage degrees of the fee payment data for each year are 1500, 800 and 650 respectively, the usage degree range in the conversion table 31 is the data corresponding to 501 to 700. The ratio (the loan data ratio is used as an example here, but this does not limit the application scope of the present invention) is 0.9. The usage degree range in the conversion table 31 is 701 to 1000, and the corresponding data ratio is 1. In the conversion table 31 The usage degree range in 31 is 1001 or more, and the corresponding data ratio is 1.1. The data conversion module 23 of the bank server 20 can convert the usage degree range of 1500 into a data ratio according to the usage degree range in the conversion table 31 is 1001 or above. is 1.1, the data conversion module 23 of the bank server 20 can convert the usage degree of 800 into a data ratio of 1 according to the usage degrees of 701 to 1000 in the conversion table 31, and the data conversion module 23 of the bank server 20 is The usage degree of 650 can be converted into a data ratio of 0.9 according to the usage degrees of 501 to 700 in the conversion table 31. The data conversion module 23 of the bank server 20 will then convert the data ratios of each year into 1.1, 1 and 1 respectively. 0.9 is averaged to calculate the adjustment ratio as 1. This is only an example and does not limit the application scope of the present invention.

Specifically, assuming that the fee payment data for the next three years are labor insurance payment data and the number of insured persons in each year's fee payment data are 1250, 1000 and 1050 respectively, the range of the number of insured persons in conversion table 31 is 801 to 1000. The data ratio (the loan data ratio is used as an example here, but this does not limit the application scope of the present invention) is 0.9. The data ratio corresponding to the number of insured persons in the conversion table 31 is 1001 to 1200 and is 1. In the conversion table 31 The number of insured persons in Table 31 ranges from 1201 to 1400, and the corresponding data ratio is 1.1. The data conversion module 23 of the bank server 20 can convert the number of insured persons to 1150 according to the utilization ratio in the conversion table 31 to 1201 to 1400. If the data ratio is 1.1, the data conversion module 23 of the bank server 20 can convert the number of insured persons as 1,000 to a data ratio of 0.9 according to the usage numbers in the conversion table 31 as 801 to 1,000. The data conversion module of the bank server 20 can Group 23 can convert the number of insured persons of 1050 into a data ratio of 1 based on the number of insured persons from 1001 to 1200 in the conversion table 31. The data conversion module 23 of the bank server 20 will then convert the data ratio of each year to 1.1. , 0.9 and 1 are averaged to calculate the adjustment ratio of 1. This is only an example and does not limit the application scope of the present invention.

The loan approval calculation module 24 of the bank server 20 can make adjustments based on the adjustment ratio multiplied by the loan approval amount and/or the loan approval interest rate previously calculated by the loan approval calculation module 24 of the bank server 20 .

Next, the operation method of the present invention will be explained below, and please refer to "Figure 3A" and "Figure 3B". "Figure 3A" and "Figure 3B" illustrate the amount of online loan application for the company of the present invention. Method flow chart with interest rate determination method.

First, the enterprise server receives basic application information, enterprise change registration information, business sales and tax returns, and income tax declaration information for the past N years, where N is an integer greater than or equal to 3 (step 101); then, the enterprise server Send basic application information, enterprise change registration information, business person sales and tax returns, and income tax declaration information for the past N years to the bank server (step 102); then, the enterprise server sends the industrial and commercial certificates and natural person certificates to the bank server (Step 103); Then, the bank server imports the corresponding joint collection data from the enterprise financial credit management system based on the enterprise change registration information, industrial and commercial certificates, and natural person certificates (step 104); then, the bank server will import the joint collection data The credit score is converted into a score ratio based on the credit score range in the conversion table, and the tax payable in the business person's sales and tax declaration is converted into a sales and tax ratio based on the tax payable range in the conversion table. Reports for nearly N years The income tax amount for each year in the income tax information is converted into the income tax amount ratio for each year based on the income tax amount range in the conversion table, and then the income tax amount ratio for each year is averaged to calculate the declaration information ratio (step 105); then , the bank server multiplies the loan application amount in the basic application information by the score ratio, sales to tax ratio, and declaration information ratio to calculate the approved loan amount, and/or multiplies the loan interest rate by the score ratio, sales to tax ratio and the reported information ratio to calculate the approved loan interest rate (step 106); then, the bank server sends the approved loan amount and approved loan interest rate to the enterprise server (step 107); finally, the enterprise server displays the approved loan amount and approved loan interest rate And the loan period in the basic information of the application (step 108).

In summary, it can be seen that the difference between the present invention and the prior art is that the enterprise server provides basic application information, enterprise change registration information, business sales and tax declarations, income tax declaration information in the past N years, industrial and commercial certificates, and natural persons The certificate is sent to the bank server. The bank server imports the corresponding joint collection data from the enterprise credit management system based on the company's change registration information, industrial and commercial certificates, and natural person certificates. The bank server will import the joint collection data, business person's sales volume, and tax declaration form. , the income tax information reported in the past N years is correspondingly converted into the score ratio, the sales to tax ratio, and the declaration information ratio. The bank server multiplies the loan application amount in the basic application information by the score ratio, the sales to tax ratio, and the declaration information ratio to calculate Submit the approved loan amount, and/or multiply the loan interest rate by the score ratio, the sales to tax ratio, and the declaration information ratio to calculate the approved loan interest rate, and transmit the approved loan amount and the approved loan interest rate to the enterprise server.

This technical means can solve the problem of difficulty in verifying the loan amount and loan interest rate when applying for a loan online in the previous technology, thereby achieving the technical effect of providing intelligent enterprise online loan amount and/or interest rate verification.

Although the embodiments disclosed in the present invention are as above, the described contents are not used to directly limit the patent protection scope of the present invention. Anyone with ordinary knowledge in the technical field to which the present invention belongs may make slight changes in the form and details of the implementation without departing from the spirit and scope of the disclosure of the present invention. The patent protection scope of the present invention must still be defined by the attached patent application scope.

10:Enterprise server 11:Enterprise information receiving module 12:Enterprise information transmission module 13: Data display module 20:Bank server 21:Server receiving module 22: External information receiving module 23:Data conversion module 24: Loan calculation module 25:Server transmission module 31:Conversion table Step 101: The enterprise server receives basic application information, enterprise change registration information, business sales and tax returns, and income tax declaration information for the past N years, where N is an integer greater than or equal to 3 Step 102: The enterprise server transmits the basic application information, enterprise change registration information, business sales and tax declarations, and income tax declaration information for the past N years to the bank server Step 103: The enterprise server sends the industrial and commercial certificate and natural person certificate to the bank server Step 104: The bank server imports the corresponding joint data from the enterprise credit management system based on the enterprise change registration information, industrial and commercial certificates, and natural person certificates. Step 105: The bank server converts the credit score of the imported joint tax data into a score ratio based on the credit score range in the conversion table, and converts the business person's sales volume and tax payable amount in the tax declaration based on the tax payable range in the conversion table. Convert to the ratio of sales to tax amount, convert the income tax amount of each year in the nearly N years of income tax declaration information into the income tax amount ratio of each year according to the income tax amount range in the conversion table, and then average the income tax amount ratio of each year To calculate the declared information ratio Step 106: The bank server multiplies the loan application amount in the basic application information by the score ratio, sales to tax ratio, and declaration information ratio to calculate the approved loan amount, and/or multiplies the loan interest rate by the score ratio, sales to tax ratio, and declaration information ratio. The tax amount ratio and the declaration information ratio are used to calculate the approved loan interest rate Step 107: The bank server sends the approved loan amount and approved loan interest rate to the enterprise server Step 108: The enterprise server displays the approved loan amount, approved loan interest rate, and loan period in the basic application information

Figure 1 is a system block diagram of the amount and interest rate assessment system for enterprise online loan applications according to the present invention. Figure 2 shows the conversion diagram of the amount and interest rate assessment of the enterprise's online loan application according to the present invention. Figure 3A and Figure 3B are flowcharts of the method for determining the amount and interest rate of an enterprise's online loan application according to the present invention.

10:Enterprise server

11:Enterprise information receiving module

12:Enterprise information transmission module

13: Data display module

20:Bank server

21:Server receiving module

22: External information receiving module

23:Data conversion module

24: Loan calculation module

25:Server transmission module

Claims (6)

An enterprise online loan application amount and interest rate assessment system, which includes: an enterprise server, and the enterprise server further includes: an enterprise information receiving module for receiving an application basic information, an enterprise change registration matter information, A business person's sales and tax declaration and income tax information reported in the past N years, where N is an integer greater than or equal to 3, and receives a verified loan amount and a verified loan interest rate; an enterprise information transmission module used to transmit the above Apply for basic information, the enterprise change registration information, the sales volume and tax declaration of the business person, and the income tax information reported in the past N years, and send an industrial and commercial certificate and a natural person certificate; and a data display module, using To display the approved loan amount, the approved loan interest rate and the loan period in the basic application information; and a bank server, the bank server further includes: a server receiving module for receiving data from the enterprise The information transmission module receives the basic application information, the enterprise change registration information, the sales and tax declarations of the business persons, and the income tax information reported in the past N years, and receives the industrial and commercial certificates and the natural person certificates. ; An external information receiving module for importing corresponding joint information from an enterprise finance credit management system based on the enterprise change registration information, the industrial and commercial certificates and the natural person certificates, and based on the basic application information, Place The above-mentioned industrial and commercial certificates and the above-mentioned natural person certificates are imported from the external server through API and the corresponding fee payment data of the past N years are imported; a data conversion module is used to convert the credit score of the imported joint data to the credit score range in a conversion table Convert into a score ratio, convert the tax payable in the business person's sales and tax declaration into a sales and tax ratio based on the tax payable range in the conversion table, and convert the income tax information reported in the past N years The income tax amount in each year is converted into the income tax amount ratio in each year according to the income tax amount range in the conversion table, and then the income tax amount ratio in each year is averaged to calculate a declaration information ratio, and the above-mentioned income tax amount ratio is calculated. The usage rate/fee paid/number of insured persons in each year in the fee payment data in the past N years is converted into the data ratio of each year based on the range of usage rate/fee paid/number of insured persons in the conversion table, and then each year The annual data ratio is averaged to calculate an adjustment ratio; a loan calculation module is used to multiply the loan application amount in the basic application information by the score ratio, the sales to tax ratio and the declaration The information ratio is used to calculate an approved loan amount, and/or the loan interest rate is multiplied by the score ratio, the sales to tax ratio and the declared information ratio to calculate an approved loan interest rate, based on the adjustment ratio Multiply the approved loan amount and/or the approved loan interest rate to make adjustments; and a server transmission module for transmitting the adjusted loan amount and the approved loan interest rate to the enterprise information Receive module. Such as the amount and interest rate assessment system for enterprise online loan applications as described in request item 1, wherein the fee payment information is selected from electricity bill payment information, water fee payment information, telecommunication fee payment information, labor insurance premium payment information, and health insurance premium payment information. combination. The enterprise online loan application amount and interest rate assessment system as described in claim 1, wherein the enterprise server provides a communication information to the bank server, and the bank server uses a corresponding transmission method based on the communication information. A verification code is provided to the corresponding electronic device, and the enterprise server uses the verification code to log in and verify the bank server. A method for determining the amount and interest rate of an enterprise's online loan application, which includes the following steps: an enterprise server receives an application basic information, an enterprise change registration information, a business person's sales and tax declaration, and income tax declaration information for the past N years , where N is an integer greater than or equal to 3; the enterprise server transmits the basic application information, the enterprise change registration information, the business person's sales and tax declaration, and the income tax information reported in the past N years to A bank server; the enterprise server transmits an industrial and commercial certificate and a natural person certificate to the bank server; the bank server obtains from a bank server based on the enterprise change registration information, the industrial and commercial certificate and the natural person certificate The enterprise finance credit management system imports the corresponding joint collection data; the bank server converts the credit score of the imported joint collection data into a score ratio based on the credit score range in a conversion table, and compares the business person's sales and tax The tax payable in the tax return is converted into a sales to tax ratio based on the tax payable range in the conversion table, and the income tax amount for each year in the income tax information reported in the past N years is based on the tax payable range in the conversion table. The income tax amount range is converted into an income tax amount ratio for each year, and then the income tax amount ratio for each year is averaged to calculate a declaration information ratio; the bank server bases the application basic information, the industrial and commercial certificate and all The above-mentioned natural person certificate imports the corresponding fee payment data of the past N years from the external server through the API; the bank server converts the number of usage/payment/number of insured persons in each year of the fee payment data of the last N years according to the above-mentioned conversion The usage range/fee payment range/number of insured people in the table are converted into data ratios for each year, and then the data ratios for each year are averaged to calculate an adjustment ratio; the bank server basically processes the application The loan application amount in the information is multiplied by the scoring ratio, the sales to tax ratio and the declaration information ratio to calculate an approved loan amount, and/or the loan interest rate is multiplied by the scoring ratio, the sales The ratio of the amount to the tax amount and the ratio of the reported information are used to calculate an approved loan interest rate, and then the adjustment is made based on the adjustment ratio multiplied by the loan amount and/or the loan interest rate; the bank server sends The adjusted loan amount and the loan interest rate are sent to the enterprise server; and the enterprise server displays the loan amount, the loan interest rate and the loan period in the basic application information. The method for determining the amount and interest rate of an enterprise's online loan application as described in request item 4, wherein the fee payment information is selected from electricity fee payment information, water fee payment information, telecommunications fee payment information, labor insurance premium payment information, and health insurance premium payment information. combination. The method for determining the amount and interest rate of an enterprise's online loan application as described in claim 4, wherein the method for determining the amount and interest rate of an enterprise's online loan application further includes the enterprise server providing communication information to the bank server, so The bank server provides a verification code to the corresponding electronic device in a corresponding transmission method based on the communication information, and the enterprise server performs the steps of logging in and verifying the bank server through the verification code.

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