WO2015010243A1

WO2015010243A1 - Loan inspecting method and system

Info

Publication number: WO2015010243A1
Application number: PCT/CN2013/079837
Authority: WO
Inventors: Huafeng Wang
Original assignee: Huafeng Wang
Priority date: 2013-07-22
Filing date: 2013-07-22
Publication date: 2015-01-29

Abstract

This invention provides a system and method for inspecting a loan (e.g., credit loan, mortgage, etc.) almost instantaneously after checking some operation track records of debtors. According to an aspect of this invention, bank account data associated with an debtor will be extracted from his operation track records. Advantageously, the computer-based data collecting system is intellective, so that the account operation track records can be compared with the basic value which reflects the requirements of the contract between lenders and debtors. Also advantageously, the decision system indicates normal, doubtful or a pending decision.

Description

Loan Inspecting Method and System

Technical Field

This invention relates to the field of the inspection of a loan (e.g., credit loan, mortgage, etc.), and, more specifically, to a system and method that makes the time period of the discovery of abnormal operation of debtor practically instantaneous.

Background Art

Lenders(e.g., business banks, folk debit and credit companies, etc.) are worried about crisis from credit loan and loan on collateral. For credit loan, lenders are not able to get any repayment form a debtor if he defaults. And banks are often cheated by guaranteed loan through fake mortgage.

Technical Problem

On the other hand, there are many situations in which a person with good credit is unlikely to get a loan because lenders(e.g., business banks, folk debit and credit companies, etc.) are afraid of default crisis. Therefore inspecting a loan cannot be done swiftly and efficiently, causing the sparing loan of commercial banks and the lack of lenders for folk debit and credit companies in Wenzhou China.

Technical Solution

This invention provides a system and method for inspecting a loan (e.g., credit loan, mortgage, etc.) almost instantaneously after checking some operation track records of debtors. According to an aspect of this invention, bank account data associated with an debtor will be extracted from his operation track records .

Advantageous Effects

Advantageously, the computer-based data collecting system is intellective, so that the account operation track records can be compared with the basic value which reflects the requirements of the contract between lenders and debtors. Also advantageously, the decision system indicates normal, doubtful or a pending decision.

Description of Drawings

FIG. 1 is a block diagram of an exemplary embodiment of this invention;

FIGS. 2 is a flow chart of processing about what operation data of debtors'bank account is collected in the context of FIG. 1;

FIGS. 3-a and 3-b illustrate how the deciding system compares the bank account data with the basic value according to different categories of loan, namely credit loan and guaranteed loan.

Best Mode

A more complete understanding of this invention may be obtained from a study of this specification taken in conjunction with the drawings. The instruction of best mode is attached to the drawings.

Claims

A data processing system for inspecting a loan, comprising the steps of: collecting bank account data associated with a debtor; comparing the account operation track records with the contract of the debtor, at a deciding system, whether the debtor deals the loan in an inappropriate way which may lead to default.
The data processing system of claim 1, wherein the loan includes credit loan and loan on collateral.
The data processing system of claim 2, wherein the bank account track records of a credit loan comprise the balance, the consumption track records and the position of fictitious assets of the debtor.
The data processing system of claim 3, wherein the bank account track records are comprised with a series of basic rule by the method of cluster analysis and discriminant analysis.
The data processing system of claim 2, wherein the bank account track records of a guaranteed loan comprise the balance, the remitter of the debtor’s account and the interval of remittance from the same remitter.
The data processing system of claim 5,if the remitter is another bank or the same person for several times, then the option of the debtor is doubtful.
The data processing system of claim 5,in the case that the balance of the debtor increases in a short time then the account is doubtful.
The data processing system of claim 5, wherein there exists three different intervals:t1,t2,t3, t1<t2<t3.The interval is normal if it is longer than t3,concerned if between t1 and t2,doubtful if shorter than t1.