TWM613486U - System for approving amount and interest rate for enterprise online loan application - Google Patents

Abstract

An enterprise online loan application amount and interest rate verification system. The bank server imports the corresponding joint application data based on the enterprise change registration information, industrial and commercial certificates, and natural person certificates. The tax return and income tax information reported in the past N years are converted into score ratio, sales to tax ratio, and report information ratio. The bank server calculates the loan application amount and/or loan interest rate multiplied by the score ratio and sales amount in the basic information of the application. To calculate the loan amount and/or loan interest rate separately from the tax ratio and the declaration information ratio, the special bank server can also import the corresponding fee payment data for the recent N years from the external server, and the fee payment data for the nearly N years corresponds to Converted to an adjustment ratio, and then adjusted based on the adjustment ratio multiplied by the approved loan amount and/or approved loan interest rate, so as to achieve the technical effect of providing intelligent enterprise online loan amount and/or interest rate approval.

Description

Amount and interest rate verification system for enterprise online loan application

An online loan application verification system, in particular, refers to a bank server that converts various data into corresponding ratios to calculate the loan amount and/or the loan interest rate based on each ratio. Interest rate approval system.

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

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

In view of the problems in the prior art that it is not easy to verify the loan amount and the loan interest rate for online loan application, this creation reveals a system for checking the amount and interest rate of enterprise online loan application, including:

The amount and interest rate verification system for corporate online loan applications disclosed in this creation includes: corporate servers and bank servers, and corporate servers further include: corporate information receiving module, corporate information transmitting module, and data display module; The bank server further includes: a server receiving module, an external information receiving module, a data conversion module, a loan calculation module, and a server sending module.

The enterprise information receiving module of the enterprise server is used to receive basic application information, enterprise change registration information, businessperson’s sales and tax return, and income tax return information for the past N years, where N is an integer greater than or equal to 3, and receive The loan amount and the 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 return information for the past N years, as well as industry and commerce Certificates and natural person certificates; and the data display module of the enterprise server is used to display the loan amount, the loan interest rate and the loan period in the basic information of the application.

The server receiving module of the bank server is used to receive basic application information, enterprise change registration information, businessperson’s sales and tax return and income tax return information for the past N years from the enterprise information transmission module, and to 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 according to the enterprise change registration information, business certificate and natural person certificate self-enterprise financial credit management system; the data conversion module of the bank server is used Convert the credit scoring range in the credit scoring basis conversion table imported into the joint collection data into the scoring ratio, and convert the taxable amount of the sales and tax declaration form of the business person into the sales and taxable amount range in the conversion table. Tax amount ratio, the income tax amount of each year in the income tax information for nearly N years 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 income tax amount. Ratio; the bank server's loan calculation module is used to multiply the loan application amount in the basic information of the application by the score ratio, the sales to tax ratio, and the reporting information ratio to calculate the loan amount, and/or the loan interest rate Multiply the score ratio, the sales to tax ratio, and the reporting information ratio to calculate the loan interest rate; and the server transmission module of the bank server is used to send the loan amount and the loan interest rate to the corporate information receiving module.

The system disclosed in this creation is as above, and the difference between it and the previous technology is that the enterprise server provides basic application information, enterprise change registration information, business person sales and tax returns, income tax return information for the past N years, business certificates, and natural persons The certificate is sent to the bank server, and the bank server imports the corresponding joint collection data based on the enterprise change registration information, industrial and commercial certificate and natural person certificate from the enterprise fund credit management system. The bank server will jointly collect the data, the business person’s sales and tax declarations , The income tax information declared in the past N years is converted into score ratio, sales to tax ratio and declaration information ratio. The bank server multiplies the loan application amount in the basic information of the application by the score ratio, sales to tax ratio and declaration information ratio 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 reporting information ratio to calculate the approved loan interest rate, and the approved loan amount and the approved loan interest rate are sent to the enterprise server.

Through the above technical means, this creation can achieve the technical effect of providing intelligent enterprise online loan amount and/or interest rate approval.

The following will describe the implementation of this creation in detail with the drawings and embodiments, so as to fully understand and implement the implementation process of how this creation uses technical means to solve technical problems and achieve technical effects.

The following first explains the amount and interest rate verification system of the enterprise online loan application disclosed in this creation, and please refer to "Figure 1A". "Figure 1A" shows the amount and interest rate verification of the online loan application for this creative enterprise. System block diagram of the system.

The system for determining the amount and interest rate of corporate online loan applications disclosed in this creation includes: a corporate server 10 and a bank server 20. The corporate server 10 further includes: a corporate information receiving module 11, a corporate information transmitting module 12, and 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 transmission module 25.

The corporate server 10 and the bank server 20 are different presentation forms of computing devices. The corporate server 10 and the bank server 20 tend to focus on the computing performance of computing devices, data analysis, data security protection, and mass storage of data... etc. , This is just an example to illustrate, not to limit the scope of application of this creation.

Please refer to "Figure 1B". "Figure 1B" shows a schematic diagram of the components of the system proposed for this creation.

The computing device mentioned in this creation includes, but is not limited to, one or more processors 401, one or more memory modules 402, and hardware components such as a bus 403, where the bus 403 can be connected to different hardware components . Through the included multiple hardware components, the computing device can load and execute the operating system, make the operating system run on the computing device, and can also execute software or programs. The computing device also includes a housing 409, and the above-mentioned hardware components are arranged in the housing.

The bus 403 of the computing device mentioned in this creation can include one or more types, such as data bus, address bus, control bus, and extended function bus. (Expansion bus), and/or local bus (local bus) and other types of bus. The bus of computing equipment includes, but is not limited to, parallel industry standard architecture (ISA) bus, peripheral component interconnect (PCI) bus, Video Electronics Standards Association (VESA) local bus, and serial universal serial bus (USB), PCI-E bus, etc.

The processor 401 of the computing device mentioned in this creation is coupled to the bus 403. The processor 401 includes a register group or register space. The register group or register space can be completely set on the processing chip, or all or part of it can be set outside the processing chip and passed through dedicated electrical Connected and/or coupled to the processor via the bus. The processor 401 may be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the processors included in the computing device are all the same or similar, and they are coupled and communicated through a bus. The processor 401 can interpret a series of multiple instructions to perform specific operations or operations, such as mathematical operations, logical operations, data comparison, copy/move data, etc., to run the operating system or execute various programs, modules, and/ Or components.

The processor 401 of the computing device may be coupled to the chipset or electrically connected to the chipset through the bus 403. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and peripheral input/output (I/O) controllers, that is to say, the memory controller and peripheral input/output controllers can be included in In an integrated circuit, two or more integrated circuits can also be used. Chipsets usually provide I/O and memory management functions, as well as multiple general-purpose and/or special-purpose registers, timers, etc., among which the aforementioned general-purpose and/or special-purpose registers and timers can be coupled or One or more processors electrically connected to the chipset are accessed or used.

The processor 401 of the computing device can also access the data in the memory module 402 and the mass storage area installed on the computing device through the memory controller. The aforementioned memory module 402 includes any type of volatile memory (volatile memory) and/or non-volatile (non-volatile memory, NVRAM) memory, such as static random access memory (SRAM), dynamic random access memory (SRAM), Take memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The above-mentioned large-capacity storage area can include any type of storage device or storage medium, such as hard disk drives, optical discs, flash drives (flash memory), memory cards, and solid state disks (Solid State Disk, SSD), or any other storage device, etc. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard disk drives, and solid state drives.

The processor 401 of the computing device can also connect and communicate with peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers and other peripheral devices or interfaces through the peripheral I/O controller via the bus 403. The peripheral input device can be any type of input device, such as a keyboard, mouse, trackball, touchpad, joystick, etc. The peripheral output device can be any type of output device, such as a display, a printer, etc., a peripheral input device It can also be the same device as the peripheral output device, such as a touch screen. The communication interface can include a wireless communication interface and/or a wired communication interface. The wireless communication interface can include a mobile communication network that supports Wi-Fi, Zigbee and other wireless local area networks, Bluetooth, infrared, near field communication (NFC), 3G/4G/5G, etc. The wired communication interface can be an Ethernet device, Asynchronous Transfer Mode (ATM) device, DSL modem, cable modem, etc. The processor 401 can periodically poll various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device having the above-described components .

The modules mentioned in the enterprise server 10 and the bank server 20 are usually generated after the processor 401 in the respective computing device executes a specific program loaded into the memory module 402, or is included in the processor 401 .

Please refer to "Figure 1A" again. The enterprise server 10 and the bank server 20 establish a connection through a wired transmission method or a wireless transmission method. The aforementioned wired transmission method is, for example, a cable network, an optical fiber network, etc. , The aforementioned wireless transmission methods are, for example: Wi-Fi, mobile communication network (for example: 3G, 4G, 5G... etc.), etc. This is only an example for illustration and does not limit the application scope of this creation.

When the enterprise server 10 connects to the bank server 20 for online loan application, the enterprise server 10 first enters the communication information on the user page provided by the bank server 20. The aforementioned communication information is, for example, email address, mobile phone The number... etc. are for illustration only, and the application scope of this creation is not limited by this. The bank server 20 will then use the corresponding transmission method (ie e-mail transmission method, short message transmission method... etc., according to the communication information). This is just an example, and does not limit the application scope of this creation) Provide verification code to the corresponding electronic device. The aforementioned electronic device is for example: general computer, notebook computer, tablet computer, smart phone... etc. , This is just an example to illustrate, not to limit the scope of application of this creation.

The enterprise server 10 can use the verification code to log in and verify the bank server 20. Then, the enterprise server 10 can enter 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 company’s uniform number, the loan amount applied for, and the loan period... etc., are just examples for illustration, and do not limit the application scope of this creation. When the corporate server 10 chooses to transfer the credit guarantee fund, the bank server The device 20 can then transfer the enterprise name, enterprise uniform number... etc. in the basic information of the application to the credit guarantee fund.

The enterprise information receiving module 11 of the enterprise server 10 can receive basic application information from the user page, and the enterprise information receiving module 11 of the enterprise server 10 can then receive the enterprise change registration information and business information from the user page in the form of additional files. Personal sales and tax returns and income tax information for 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, the enterprise change registration information, the sales and tax return of the business person, and the income tax return information in the past N years, you can use the enterprise information of the enterprise server 10 The sending module 12 sends basic application information, business change registration information, business person sales and tax declaration forms, and income tax declaration information for the past N years to the bank server 20.

The business server 10 can pre-store the business certificate of the business and the natural person responsible for the business, or the business server 10 can obtain the business certificate of the business and the natural person responsible for the business through an external reading device, and the business information of the business server 10 The transmitting module 12 can also transmit the industrial and commercial certificate and the natural person certificate to the bank server 20.

The server receiving module 21 of the bank server 20 can receive the basic application information, the enterprise change registration information, the sales and tax declaration form of the business person, and the income tax declaration 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 the industrial and commercial certificate and the natural person certificate from the enterprise information transmission module 12 of the enterprise server 10. The bank server 20 receives the basic application information and enterprise change registration information , Sales and tax declarations of business persons, and income tax information for the past N years can be further transmitted through e-mail, text messaging... etc. This is only an example, and does not limit the application scope of this creation. A notification is issued to the corresponding electronic device to let the enterprise applying for the loan know the bank confirms the basic information of the application, the information of the enterprise change registration, the sales and tax return of the business person, and the income tax return information for the past N years.

And the bank server 20 will know your customer (Know Your Customer, KYC) by talking to the applicant company based on the basic application information, business change registration information, business person’s sales and tax return, and income tax return information for the past N years. Work, and check the uploaded data when necessary, take on-the-spot visits.

Then, the external information receiving module 22 of the bank server 20 can import the corresponding joint collection data according to the enterprise change registration information, the business certificate and the natural person certificate. The information obtained by the Financial Joint Credit Investigation Center, the Judicial Yuan, the Money Laundering Prevention Center, etc., is only an example here, and does not limit the application scope of this creation. The bank server 20 can further determine through joint information The approvability of the corporate loan application, that is, when the credit score in the joint information is lower than the threshold, the bank server 20 can directly reject the corporate loan application. This is just an example for illustration and does not limit the cost. The scope of application of the creation.

Then, the data conversion module 23 of the bank server 20 converts the credit scoring range in the credit scoring basis conversion table imported into the joint collection data into a scoring ratio, and converts the sales amount of the business person to the taxable amount basis conversion table of the tax return The range of taxable amount in is converted to the ratio of sales to tax amount. The income tax amount of each year in the income tax information for nearly N years is converted to the income tax amount ratio of each year according to the income tax amount range in the conversion table. The income tax amount ratio is averaged to calculate the reporting information ratio.

Please refer to "Picture 2", "Picture 2" is a schematic diagram of the conversion table of the amount and interest rate approved for the online loan application of this creative enterprise.

Specifically, suppose that the credit score of the imported joint data is 85, and the credit score in the conversion table 31 ranges from 80 to 89. The corresponding score ratio (the loan score ratio is taken as an example here, and it is not used here. Limited to the application scope of this creation) is 1.1, the data conversion module 23 of the bank server 20 can convert the credit score of the imported joint data to 85 according to the credit score range of the conversion table 31 from 80 to 89 into a score ratio It is 1.1, which is only an example here, and does not limit the scope of application of this creation.

Specifically, suppose that the taxable amount of the sales and tax return of the business person is 100,000, and the taxable amount in the conversion table 31 ranges from 100,000 to 500,000 corresponding to the sales to tax ratio (here The ratio of loan sales to tax amount is taken as an example, not to limit the application scope of this creation) is 1.05, and the data conversion module 23 of the bank server 20 can calculate the taxable amount of the sales and tax return of the business person as The taxable range of 100,000 to 500,000 in the conversion table 31 of 100,000 basis is converted into a sales-to-tax ratio of 1.05. This is just an example and does not limit the application scope of this creation.

Specifically, assuming that the income tax amount of each year in the income tax information for the next three years is 250,000, 300,000 and 150,000, 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 taken as an example here, not to limit the application scope of this creation) is 0.9, and the income tax ratio in the conversion table 31 ranges from 200,000 to less than 300,000. If the income tax amount in the conversion table 31 ranges from 300,000 to less than 400,000, the corresponding income tax ratio is 1.05. The data conversion module 23 of the bank server 20 can convert the income tax to 250,000 according to the conversion table The income tax amount in 31 ranges from 200,000 to less than 300,000, which is converted to an income tax rate of 1. The data conversion module 23 of the bank server 20 can convert the income tax amount to 300,000. According to the income tax amount in the conversion table 31, the range is 300,000 to less than 400,000 is converted to an income tax rate of 1.05. The data conversion module 23 of the bank server 20 can convert the income tax to 150,000. According to the conversion table 31, the income tax amount ranges from 100,000 to less than 200,000. Converted to an income tax ratio of 0.9, the data conversion module 23 of the bank server 20 then averages the income tax ratios of each year as 1, 1.05, and 0.9 to calculate that the reporting information ratio is 0.983, which is only To illustrate, it does not limit the application scope of this creation.

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

Continuing the above example, assuming that the loan application amount in the basic application information is 5 million, the loan calculation module 24 of the bank server 20 can multiply the loan application amount in the basic application information as 5 million times the score ratio (here 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, the corresponding loan declaration information ratio) is The calculated loan amount of 0.983 is 5.676825. This is just an example, and it does not limit the scope of application of this creation.

Taking the above example, assuming that the loan application interest rate is 1.6%, the loan calculation module 24 of the bank server 20 can multiply the loan application interest rate of 1.6% by the score ratio (here, the corresponding interest rate score ratio) to 0.9 and then Multiply the sales to tax ratio (here, the corresponding interest rate sales to tax ratio) to 0.95 and then multiply by the declaration information ratio (here, the corresponding interest rate declaration information ratio) to 1.017 to calculate the loan interest rate as 1.391, this is just an example, not to limit the scope of application of this creation.

When the verification calculation module 24 of the bank server 20 calculates the verification loan amount and/or the verification interest rate, the bank server 20 may further use email transmission methods, SMS transmission methods, etc., which are only examples for illustration Therefore, it does not limit the application scope of this creation to notify the corresponding electronic device to let the enterprise applying for the loan know that the loan verification procedure is required, that is, attach an over-limit to the insurance zone in the email or text message. Link, so that the enterprise applying for the loan can connect to the guarantee area through the electronic device to complete the guarantee procedure.

The guarantee procedure is to create a complete electronic document of loan application and agreement to be sent to the enterprise applying for a loan by e-mail transmission, and to save it on the bank server 20 for review. The complete loan application and agreement electronic document Documents include documents, audio files, track record ip... etc. This is only an example, and does not limit the scope of application of this creation. The guarantee procedure is to create and combine business certificates, natural person certificates, and video files. Complete the guarantee.

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

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

The data conversion module 23 of the bank server 20 further includes the usage degree/payment fee/number of applicants in each year in the fee payment data for nearly N years, according to the conversion table 31, the usage range/paying fee range/the number of insured persons is converted into The data ratio for 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 just an example here, and it does not limit the application scope of this creation.

Specifically, assuming that the three-year fee payment data is electricity fee payment data and the usage data of the fee payment data for each year are 1500, 800, and 650, respectively, the usage power range in the conversion table 31 is the data corresponding to 401 to 700 The ratio (the loan data ratio is taken as an example here, and the application scope of this creation is not limited by this) is 0.9. The usage range in the conversion table 31 is 701 to 1000, and the corresponding data ratio is 1, in the conversion table The data ratio corresponding to the usage degree range in 31 above 1001 is 1.1. The data conversion module 23 of the bank server 20 can convert the usage degree to 1500 respectively according to the usage degree in the conversion table 31 to be 1001 or more into the data ratio. Is 1.1, the data conversion module 23 of the bank server 20 can convert the use degree of 800 according to the use degree of 701 to 1000 in the conversion table 31 to a data ratio of 1, and the data conversion module 23 of the bank server 20 is The usage degree is 650 and the data ratio is 0.9 according to the usage degree in the conversion table 31 from 401 to 700, and the data conversion module 23 of the bank server 20 then converts the data ratio for each year to 1.1, 1 and respectively. The average of 0.9 is used to calculate the adjustment ratio to 1. This is only an example, and does not limit the application scope of this creation.

Specifically, assuming that the three-year fee payment data is labor insurance premium payment data and the number of insured persons of the fee payment data for each year are 1250, 1000, and 1050, respectively, the range of insured persons in the conversion table 31 is 801 to 1000. The data ratio (the loan data ratio is taken as an example here, and the application scope of this creation is not limited by this) is 0.9. The number of insured persons in the conversion table 31 ranges from 1001 to 1200, and the corresponding data ratio is 1. The data ratio corresponding to the number of insured persons in the range of 1201 to 1400 in Table 31 is 1.1, and the data conversion module 23 of the bank server 20 can convert the number of insured persons to 1150 respectively. According to the conversion table 31, the degree of use is 1201 to 1400. For the data ratio to be 1.1, the data conversion module 23 of the bank server 20 can convert the number of insured persons to 1000 according to the usage number in the conversion table 31 from 801 to 1000 to a data ratio of 0.9, and the data conversion module of the bank server 20 Group 23 can convert the number of insured persons to 1050 according to the number of insured persons in the conversion table 31 from 1001 to 1200 to a data ratio of 1, and the data conversion module 23 of the bank server 20 will then change the data ratio for each year to 1.1. , 0.9 and 1 are averaged to calculate the adjustment ratio to 1. This is only an example, and does not limit the application scope of this creation.

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

Next, the following will explain the operation of this creation, and please refer to "Figure 3A" and "Figure 3B". "Figure 3A" and "Figure 3B" show the amount and amount of online loan application for this creative enterprise Flow chart of the method of interest rate approval.

First, the enterprise server receives the basic information of the application, the information on the registration of changes to the enterprise, the sales and tax return of the business person, and the income tax return 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, business change registration information, business person sales and tax return, and income tax return information for the past N years to the bank server (step 102); then, the enterprise server sends the business certificate and natural person certificate to the bank server (Step 103); Next, the bank server imports the corresponding joint collection data from the enterprise fund 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 taxable amount of the sales and tax declaration form of the business person is converted into the sales and tax ratio in the conversion table, and it is reported for nearly N years The income tax amount of each year in the income tax 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 (step 105); , The bank server calculates the loan amount by multiplying the loan application amount in the basic information of the application by the score ratio, sales to tax ratio, and reporting information ratio, and/or multiplies the loan interest rate by the score ratio, sales to tax ratio And report the information ratio to calculate the loan interest rate (step 106); then, the bank server sends the loan amount and loan interest rate to the enterprise server (step 107); finally, the enterprise server displays the loan amount and interest rate And the loan term in the basic information of the application (step 108).

To sum up, it can be seen that the difference between this creation and the previous technology is that the enterprise server provides basic application information, enterprise change registration information, business person sales and tax returns, income tax return information for the past N years, business certificates, and natural persons The certificate is sent to the bank server, and the bank server imports the corresponding joint collection data based on the enterprise change registration information, industrial and commercial certificate and natural person certificate from the enterprise fund credit management system. The bank server will jointly collect the data, the business person’s sales and tax declarations , The income tax information declared in the past N years is converted into score ratio, sales to tax ratio and declaration information ratio. The bank server multiplies the loan application amount in the basic information of the application by the score ratio, sales to tax ratio and declaration information ratio 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 reporting information ratio to calculate the approved loan interest rate, and the approved loan amount and the approved loan interest rate are sent to the enterprise server.

This technical means can solve the problem of the prior art that it is difficult to verify the loan amount and the loan interest rate for online loan application, and then achieve the technical effect of providing intelligent enterprise online loan amount and/or interest rate verification.

Although the implementation methods disclosed in this creation are as above, the content described is not used to directly limit the scope of patent protection of this creation. Any person with ordinary knowledge in the technical field to which this creation belongs can make some changes in the form and details of the implementation without departing from the spirit and scope of this creation. The scope of patent protection for this creation shall still be subject to the scope of the attached patent application.

10: Enterprise server 11: Corporate 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: Nuclear loan calculation module 25: Server transmission module 31: Conversion table 401: processor 402: Memory Module 403: Bus 409: Shell Step 101: The enterprise server receives the basic information of the application, the information of the enterprise change registration items, the sales and tax return of the business person, and the income tax information of the recent N years, where N is an integer greater than or equal to 3 Step 102: The enterprise server sends the basic application information, enterprise change registration information, the sales and tax return of the business person, and the income tax return information for the past N years to the bank server Step 103: The corporate server sends the industrial and commercial certificate and the natural person certificate to the bank server Step 104: The bank server imports the corresponding joint information from the enterprise fund 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 scoring range in the credit scoring basis conversion table imported into the joint collection data into a scoring ratio, and converts the taxable amount of the sales and tax return of the business person according to the taxable amount range in the conversion table Converted to the ratio of sales to tax amount, the income tax amount of each year in the income tax information for nearly N years 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 reporting information ratio Step 106: The bank server calculates the loan amount by multiplying the loan application amount in the basic information of the application by the score ratio, sales to tax ratio, and reporting information ratio, and/or multiplies the loan interest rate by the score ratio, sales and Tax ratio and declaration information ratio to calculate the loan interest rate Step 107: The bank server sends the approved loan amount and the approved loan interest rate to the corporate server Step 108: The enterprise server displays the approved loan amount, the approved loan interest rate, and the loan period in the basic information of the application

Figure 1A shows the system block diagram of the online loan application amount and interest rate verification system for this creative enterprise. Figure 1B shows a schematic diagram of the components of the system proposed in this creation. Figure 2 shows a schematic diagram of the conversion table between the amount and interest rate approved for the online loan application of this creative enterprise. Figure 3A and Figure 3B show the flow chart of the method for determining the amount and interest rate of the online loan application for this creative enterprise.

10: Enterprise server

11: Corporate 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: Nuclear loan calculation module

25: Server transmission module

Claims (4)

A system for checking the amount and interest rate of online loan applications for enterprises, which includes: An enterprise server, the enterprise server further includes: An enterprise information receiving module, used to receive basic application information, enterprise change registration information, a sales and tax return of a business person, and income tax return information for the past N years, where N is an integer greater than or equal to 3, and receive One-core loan amount and one-core loan interest rate; An enterprise information transmission module for transmitting the basic application information, the enterprise change registration information, the sales and tax return of the business person, and the income tax return information for the recent N years, as well as a business certificate and A natural person certificate; and A data display module for displaying the approved loan amount, the approved loan interest rate and the loan term in the basic information of the application; and A bank server, the bank server further includes: A server receiving module for receiving the basic application information, the enterprise change registration information, the sales and tax declaration form of the business person, and the income tax declaration for the recent N years from the enterprise information transmission module Information, and receiving the business certificate and the natural person certificate; An external information receiving module for importing corresponding joint collection data from an enterprise financial credit management system based on the enterprise change registration information, the industrial and commercial certificate, and the natural person certificate; A data conversion module for converting the credit scoring basis of the imported joint collection data into a scoring ratio in the credit scoring range in the conversion table, and converting the sales amount of the business person to the taxable amount of the tax declaration form according to the stated The taxable amount range in the conversion table is converted into a ratio of sales to tax amount, and the income tax amount of each year in the income tax return information for the recent N years is converted into the income tax amount of each year according to the income tax amount range in the conversion table Amount ratio, and then average the income tax amount ratio for each year to calculate a report information ratio; A verification loan calculation module for calculating a verification loan amount by multiplying the loan application amount in the basic application information by the score ratio, the sales to tax ratio, and the reporting information ratio, and/or It calculates a loan interest rate by multiplying the loan interest rate by the score ratio, the sales to tax ratio, and the declaration information ratio; and A server sending module is used to send the approved loan amount and the approved loan interest rate to the enterprise information receiving module. The system for determining the amount and interest rate of an online loan application for an enterprise as described in claim 1, wherein the external information receiving module further includes an API based on the basic information of the application, the business certificate, and the natural person certificate from an external server Import the corresponding fee payment data for the recent N years, and the data conversion module further includes the usage degree/payment fee/number of insured persons in each year in the fee payment data for the recent N years according to the usage degree range in the conversion table /Payment range/Insured number range is converted to the data ratio of each year, and then the data ratio of each year is averaged to calculate an adjustment ratio. The credit calculation module will multiply the adjustment ratio by the adjustment ratio. The approved loan amount and/or the approved loan interest rate can be adjusted. The amount and interest rate verification system for enterprise online loan application as described in claim 2, wherein the fee payment materials are selected from the group of electricity fee payment materials, water fee payment materials, telecommunication fee payment materials, labor insurance premium payment materials, and health insurance premium payment materials combination. The system for determining the amount and interest rate of an online loan application for an enterprise according to claim 1, wherein the enterprise server provides a communication information to the bank server, and the bank server uses the corresponding transmission method according to the communication information A verification code is provided to the corresponding electronic device, and the enterprise server performs login and verification of the bank server through the verification code.

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