TWM597928U - Overdue factor analysis system - Google Patents

Abstract

An overdue factor analysis system is connected to an Internet in communication. The overdue factor analysis system includes a list database, a server host, and a bank system group. The list database stores multiple borrower data, which is suitable for generating an overdue list based on an overdue criterion. The server host communicates with the list database. The server host collects multiple reference data from the Internet, and generates multiple analysis result data based on the borrower's data and the reference data. The banking system group communication is connected to the server host, and is suitable for receiving the analysis result data. The banking system group also includes a plurality of banking business subsystems. The list database receives the analysis result data, regenerates the overdue list, and generates an expected list, and the overdue list will be sent to the bank system group.

Description

Overdue Factor Analysis System

An analysis system, especially an overdue factor analysis system.

Non-performing loans from banks, in accordance with Article 7 of the “Measures for the Settlement of Bank Asset Assessment Loss Preparations and the Collection of Bad Debts for Overdue Loans” formulated by the FSC, refer to bank loans and borrowers’ debts The payment or interest exceeds three months, or although it does not exceed three months, the bank has sued the principal or slave debtor or disposes of the collateral loan. The bank units of these debtors are usually listed for management. However, the modern economy is changing rapidly, various new types of economic activities are increasing, and the frequency of economic, political, cultural, geographical and other factors cross-influenced has increased. E-commerce, electronic money and various online financial platforms have emerged and other factors, traditional risk management The elements are unusable, and management is only started when the overdue period occurs. It is no longer possible to prevent the overdue increase and deterioration. In summary, how to overcome the above problems is worth considering for those with ordinary knowledge in this field.

This creation provides an overdue factor analysis system that automatically collects data through the Internet and compares borrower data to analyze possible overdue factors. This creation provides an overdue factor analysis system communication connection to an Internet, the overdue factor analysis system includes a list database, a server host and a bank system group. The list database stores multiple borrower data, which is suitable for generating an overdue list based on an overdue criterion. The server host communicates with the list database, and the server host includes a data collection module and an analysis module. The data collection module is suitable for collecting multiple reference data from the Internet. The analysis module is adapted to receive the borrower's data and the reference data corresponding to the overdue list, and generate multiple analysis result data based on the borrower's data and the reference data. The bank system group communication is connected to the server host and is suitable for receiving the analysis result data, and the bank system group also includes a plurality of bank business subsystems. Among them, the list database receives the analysis result data, regenerates the overdue list, and generates an expected list, and the overdue list will be sent to the bank system group. In the above-mentioned overdue factor analysis system, the server host is connected to a plurality of external information websites through the Internet, and the data collection module collects the reference data from the information website. In the above-mentioned overdue factor analysis system, the analysis module compares the borrower's data with the reference data, and associates the borrower's data with matching content with the reference data. In the above-mentioned overdue factor analysis system, several of the bank's business subsystems are credit information system, management system, review and early warning system, credit granting system, interest rate system, customer information system or risk management system. In the above-mentioned overdue factor analysis system, the information of the borrower includes name, identification code, residential area, nationality, age, occupation, income, loan amount and interest rate.

This creation provides an overdue factor analysis system, through collecting network data to analyze possible overdue lists, so that banking units can further prevent possible overdue cases. Please refer to Figure 1. Figure 1 shows the overdue factor analysis system for this creation. The overdue factor analysis system 100 is communicatively connected to an Internet 10. The overdue factor analysis system 100 includes a list database 110, a server host 120, and a banking system group 130. The list database 110 stores multiple pieces of borrower data, which is suitable for generating an overdue list based on an overdue criterion. In other words, the list database 110 is a database for storing borrower information in a bank. The stored borrower information includes name, identification code, residential area, nationality, age, occupation, income, loan amount, interest rate and other information. The overdue standard is the standard for determining whether the borrower is included in the overdue management. In this embodiment, the overdue standard is for those who owe principal or interest for more than 3 months, or those who have not exceeded 3 months but have been paid to the master or slave. The debtor pursues or disposes of the collateral. The overdue list includes information on borrowers that meet the overdue criteria. The server host 120 is the computing center of the overdue factor analysis system 100. The server host 120 is communicatively connected to the list database 110 and the banking system group 120. The server host 120 includes a data collection module 121 and an analysis module 122. The data collection module 121 collects multiple reference data from the Internet 10. In this embodiment, the data collection module 121 can be a kind of web crawler, and the data collection module 121 is connected to the outside through the Internet 10 A number of information websites collect reference data, such as the company's public information website, joint credit center, government department public information website, court announcement information, news website or raw material price quotation website, etc. Furthermore, different types of reference materials can be collected from these information websites. For example, you can obtain reference materials for company investment ratings from the company's public information website, and you can obtain borrowers' credit information from the United Credit Information Center. These different reference materials will be analyzed by the analysis module 122. The analysis module 122 is adapted to receive borrower data and reference data corresponding to the overdue list, and generate multiple pieces of analysis result data based on the borrower data and reference data. In other words, the analysis module 122 uses the data obtained from the information website by the data collection module 121 to analyze the overdue factors. The analysis module 122 can use artificial intelligence computing models such as neural networks to perform analysis, and further use different types of reference data to calculate the overdue factor, such as judging the company's overdue probability from the company's investment evaluation. The calculated overdue factor is the generated analysis result data, and these data analysis result data will be sent to the bank system group 130 and the list database 110. In addition, in one embodiment, the analysis module 122 is further adapted to compare the borrower data with the reference data, and to associate the borrower data with the content of the reference data. That is, if the obtained reference data is related to the borrower's data, for example, the case of a certain borrower is compared with the data announced by the court, and the court-announced data will be associated with the borrower's data for further analysis This is the overdue factor of the borrower. The banking system group 130 is communicatively connected to the server host 120, and the banking system group 130 includes multiple banking subsystems. In other words, the banking system group 130 is a system for different purposes within the bank but involving customer information. Therefore, the banking subsystem is, for example, a credit investigation system, a management system, a review and early warning system, a credit granting system, an interest rate system, a customer information system, or a risk management system. Similarly, after these systems obtain the analysis result data, they can be used for different purposes. For example, the interest rate system can adjust the interest rate according to the content of the analysis result information to avoid possible risks. After receiving the analysis result data, the list database 110 regenerates the overdue list and generates an expected list, and the overdue list is sent to the bank system group. Among them, the list database 110 re-selects borrowers that meet the overdue criteria to generate an overdue list based on the analysis result data. In addition, the list database 110 selects the information of borrowers who may be overdue based on the analysis result data, and compiles the expected list. The prospective list is sent to the bank system group 130 for different units in the bank to apply the borrower information in the prospective list. In the overdue factor analysis system 100 of this creation, the server host 120 collects different reference data from the Internet 10 through the data collection module 121, and analyzes these reference data through the analysis module 122 of the server host 120, and then compares them. The borrower data is used to calculate the overdue factor to further achieve the prediction of the overdue borrower, and send it to different departments of the bank for further disposal, so that the bank can better grasp the objects that may be overdue and react in advance to prevent overdue addition and deterioration. This creation is illustrated above with examples, but they are not used to limit the scope of patent rights claimed by this creation. The scope of its patent protection shall be determined by the attached scope of patent application and its equivalent fields. Any person with ordinary knowledge in the field, without departing from the spirit or scope of this patent, makes changes or modifications that are equivalent changes or designs completed under the spirit of this creation, and should be included in the following patent scope Inside.

10: Internet 100: Overdue factor analysis system 110: List Database 120: Servo host 121: Data Collection Module 122: Analysis Module 130: Banking System Group

Figure 1 shows the overdue factor analysis system for this creation.

10: Internet

100: Overdue factor analysis system

110: List Database

120: Servo host

121: Data Collection Module

122: Analysis Module

130: Banking System Group

Claims (5)

An overdue factor analysis system, which is communicatively connected to an Internet, the overdue factor analysis system includes: A list database, which stores multiple borrower data, suitable for generating an overdue list based on an overdue standard; A server host, communicatively connected to the list database, the server host includes: A data collection module suitable for collecting multiple reference data from the Internet; and An analysis module adapted to receive the borrower information and the reference data corresponding to the overdue list, and generate multiple analysis results data based on the borrower information and the reference data; and A banking system group, which is communicatively connected to the server host, and is suitable for receiving the analysis result data. The banking system group also includes a plurality of banking subsystems; Among them, the list database receives the analysis result data, regenerates the overdue list, and generates an expected list, and the overdue list will be sent to the bank system group. For example, in the overdue factor analysis system described in item 1 of the scope of patent application, the server host is connected to multiple external information websites through the Internet, and the data collection module collects the reference data from the information website. For example, the overdue factor analysis system described in item 1 of the scope of patent application, wherein the analysis module compares the borrower's data with the reference data, and associates the borrower's data with the reference data with matching content. For example, the overdue factor analysis system described in item 1 of the scope of patent application, wherein multiple of the banking business subsystems are credit information system, management system, review and early warning system, credit system, interest rate system, customer information system or risk management system . For example, the overdue factor analysis system described in item 1 of the scope of patent application, wherein the borrower's information includes name, identification code, residential area, nationality, age, occupation, income, loan amount and interest rate.

Images