CN103150672A - Bank quick credit granting system and method - Google Patents
Bank quick credit granting system and method Download PDFInfo
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- CN103150672A CN103150672A CN2013101211880A CN201310121188A CN103150672A CN 103150672 A CN103150672 A CN 103150672A CN 2013101211880 A CN2013101211880 A CN 2013101211880A CN 201310121188 A CN201310121188 A CN 201310121188A CN 103150672 A CN103150672 A CN 103150672A
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Abstract
The invention discloses a bank quick credit granting system and a bank quick credit granting method. The system comprises a secured transaction platform, a bank auditing platform and a certification platform, wherein the secured transaction platform comprises an information acquisition module, a data checking module, a communication module; the information acquisition module is used for acquiring data of a credit side on line; the data checking module is used for comparing and checking the data of the credit side and industrial and commercial information, credit information and/or taxation information in a database of the certification platform; and the communication module is used for transmitting the successfully compared and checked data to the bank auditing platform and receiving loanable limit from the bank auditing platform. The bank auditing platform is used for auditing the data of the credit side, determining the loanable limit of the credit side according to the data after the auditing is passed and transmitting to the communication module. The certification platform comprises the database in which the industrial and commercial information, the credit information and/or the taxation information are stored. According to the system and the method, quick petty loan credit granting can be realized, large-area and low-cost payment service development is facilitated, and the risk can be reduced.
Description
Technical field
The present invention relates to financial service field on online transaction website and line, especially, relate to the quick credit system of a kind of bank and method.
Background technology
Along with socioeconomic development, some enterprises or individual have to solve the problem that has insufficient funds now by getting a bank loan for the project normal operation that makes operation, thereby have promoted the development of bank loan business.
The loan auditing system of bank is to analyze by the financial statement to enterprise at present, or whether can offer loans to this enterprise by enterprise being visited and links up rear decision, not only cost is high, the time is long, and can't immediately get accurately the comprehensive relevant information of this enterprise, there is very large risk, and is unfavorable for large tracts of land, carries out the payment for goods business fast, cheaply.Especially in assessment and risk management to medium-sized and small enterprises, small enterprise, lack most important enterprise management behavior and data.
And, be not connected mutually between existing banking system, can't get enterprise at detailed transaction data and enterprise operation and the transaction data on e-commerce platform of certain bank; Simultaneously, the approval system of existing bank can't get the detailed information such as credit investigation system, associating websites data of enterprise immediately; The loan transaction of existing bank is because collection, audit, the goods putting of information all be unable to do without the typing of data under line or the collection of paper document, so can't be fast, large-scale popularization.
Especially at present the rise of financial service on online transaction website and line, traditional flow process is complicated, examine the demand that slow bank loan credit mode can not satisfy the loan of online transaction fast.
Summary of the invention
The object of the invention is to provide the quick credit system of a kind of bank and method, to solve traditional bank loan credit mode flow process complexity, to examine slow technical matters.
For achieving the above object, the invention provides the quick credit system of a kind of bank, comprising:
The guarantee transaction platform comprises:
Information acquisition module is for the data of online acquisition lender;
Data is checked module, be used for the industrial and commercial information of the data bank of the data of described lender and authentication platform, credit information and or the tax information check of comparing;
Communication module is used for comparing the data of checking described lender successfully and sends to bank's audit platform; Also be used for receiving the borrowed amount information from described bank audit platform;
Described bank audit platform is used for the data of described lender is examined, and, and can borrow amount information and send to described communication module by rear the borrowed amount of determining described lender according to described data in audit;
Described authentication platform, comprise store industrial and commercial information, credit information and or the data bank of tax information.
Further improvement as system of the present invention:
Described bank audit platform also is used for bank loan account and password are sent to described communication module.
Described guarantee transaction platform also comprises:
The account management module is used to described lender that the business of registered members's livery is provided, and described amount information, bank loan account and the password membership number corresponding with described lender of borrowing that described communication module is obtained is bound.
The data of described lender comprises the licence that opens a bank account, industrial and commercial operation license copy, organization mechanism code card copy, Tax Registration Certificate copy, the legal representative of enterprise I.D. and bank loan card.
Described guarantee transaction platform also comprises:
The analysis and evaluation module, be used for capital that the industrial and commercial operation license copy according to described lender indicates and determine the borrowed amount grade of described lender, and check module compare quantity and the classification of the data of checking according to the described described data of amount classification of borrowing.
As a total technical conceive, the present invention also provides a kind of bank quick credit method, comprises the following steps:
Step S1: by the data of guarantee transaction platform online acquisition lender;
Step S3: with the industrial and commercial information in the data bank of the data of described lender and authentication platform, credit information and or the tax information check of comparing;
Step S4: will compare the data of checking described lender successfully and send to bank's audit platform;
Step S5: examine platform by bank the data of described lender is examined,, can borrow amount information and send it back described guarantee transaction platform by rear the borrowed amount of determining described lender according to described data in audit;
Step S6: described guarantee transaction platform receives the borrowed amount information from described bank audit platform, completes credit.
As further improvements in methods of the present invention:
Also comprise in described step S5, after the borrowed amount of determining described lender, generate bank loan account and password and send to back described guarantee transaction platform.
Before carrying out described step S1, described method also comprises:
Step S0: point out described lender registered members number on described guarantee transaction platform;
Also comprise in described step S6, borrow amount information, bank loan account and password and described membership number is bound with described.
The data of described lender comprises the licence that opens a bank account, industrial and commercial operation license copy, organization mechanism code card copy, Tax Registration Certificate copy, the legal representative of enterprise I.D. and bank loan card.
Before carrying out described step S3, described method also comprises:
Step S2: determine the borrowed amount grade of described lender according to the capital of indicating in the industrial and commercial operation license copy of described lender, and check module compare quantity and the classification of the data of checking according to the described described data of amount classification of borrowing.
The present invention has following beneficial effect:
The present invention adopts the third party as the guarantee transaction platform, carry out online data collection and the analysis of lender, first compare and examine by carrying out data with authentication platform, then will directly can borrow amount to bank's audit platform application, can greatly reduce lending priority bank and repeatedly submit the trouble of data to, also avoided bank's a large amount of time and efforts of cost to examine the data of lender, can realize fast a large amount of petty load credits, be conducive to large tracts of land, carry out the payment for goods business fast, cheaply, and can reduce risks.
Except purpose described above, feature and advantage, the present invention also has other purpose, feature and advantage.The below is with reference to figure, and the present invention is further detailed explanation.
Description of drawings
The accompanying drawing that consists of the application's a part is used to provide a further understanding of the present invention, and illustrative examples of the present invention and explanation thereof are used for explaining the present invention, do not consist of improper restriction of the present invention.In the accompanying drawings:
Fig. 1 is the composition structural representation of the quick credit system of bank of the preferred embodiment of the present invention;
Fig. 2 is the composition structural representation of the quick credit system of optimization bank of the preferred embodiment of the present invention;
Fig. 3 is the schematic flow sheet of the quick credit method of the bank of the preferred embodiment of the present invention; And
Fig. 4 is the Optimizing Flow schematic diagram of the quick credit method of the bank of the preferred embodiment of the present invention.
Embodiment
Below in conjunction with accompanying drawing, embodiments of the invention are elaborated, but the multitude of different ways that the present invention can be defined by the claims and cover is implemented.
Referring to Fig. 1, the quick credit system of bank of the present invention comprises guarantee transaction platform, bank's audit platform and authentication platform.Wherein, the guarantee transaction platform comprises: information acquisition module, for the data of online acquisition lender; Data is checked module, be used for the industrial and commercial information of the data bank of the data of lender and authentication platform, credit information and or the tax information check of comparing; Communication module is used for comparing the data of checking successful lender and sends to bank's audit platform; Also be used for receiving the borrowed amount information from bank's audit platform.And bank audit platform is used for the data of lender is examined, and, and can borrow amount information and send to communication module by rear the borrowed amount of determining lender according to data in audit.Authentication platform, comprise store industrial and commercial information, credit information and or the data bank of tax information.In practical application, authentication platform is generally People's Bank of China's credit investigation system, industrial and commercial system etc.; Can also comprise all kinds of websites (each information site) etc.
The quick credit system of above-mentioned bank, adopt the third party as the guarantee transaction platform, carry out online data collection and the analysis of lender, first compare and examine by carrying out data with authentication platform, then will directly can borrow amount to bank's audit platform application, can greatly reduce lending priority bank and repeatedly submit the trouble of data to, also avoided bank's a large amount of time and efforts of cost to examine the data of lender, can realize fast a large amount of petty load credits, be conducive to large tracts of land, carry out the payment for goods business fast, cheaply.
Referring to Fig. 2, on the basis of the above-mentioned quick credit system of bank, the present invention can also carry out following distributing rationally, and bank's audit platform also is used for bank loan account and password are sent to communication module.The account management module also is set in the guarantee transaction platform, is used to lender that the business of registered members's livery is provided, and borrowed amount information, bank loan account and the password membership number corresponding with lender that communication module is obtained are bound.Bank Account Number and membership number are bound, can make the transaction details of this loan of bank all under the monitoring of guarantee transaction platform, can reduce the risk of bank and guarantee side, and control as much as possible and realize allocating a fund for its specified purpose (as purchasing starting material, production equipment etc.), further, can provide transaction credit foundation and reference data, the further safe retrieving of loan on guarantee for repeatedly making loans to same lender of bank.
Preferably, the data of lender comprises (the five card one cards) licence that opens a bank account, industrial and commercial operation license copy, organization mechanism code card copy, Tax Registration Certificate copy, the legal representative of enterprise I.D. and bank loan card.According to these data, bank and guarantee transaction platform (guarantee side) can have to the management state of lender basic understanding, can carry out examining of data.According to these data, can also classify to different lender, so that bank examines fast, and can relax targetedly enjoying a good reputation or the auditing flow of the lender that loan limit is little.For realizing this purpose, referring to Fig. 2, the analysis and evaluation module can be set in the guarantee transaction platform, the analysis and evaluation module is used for the borrowed amount grade that the capital (industrial and commercial paid in capital) dated according to the industrial and commercial operation license copy of lender determined lender, and check module compare quantity and the classification of the data of checking according to borrowing amount classification data, as shown in table 1, be a kind of mode classification example of borrowing amount of lender.
The mode classification example of the borrowed amount of table 1 lender
Identical with above-mentioned bank quick credit system technical conceive, the present invention can be expressed as a kind of quick credit method of bank, and referring to Fig. 3, the method comprises the following steps:
Step S1: by the data of guarantee transaction platform online acquisition lender.
Step S3: with the industrial and commercial information in the data bank of the data of lender and authentication platform, credit information and or the tax information check of comparing;
Step S4: will compare the data of checking successful lender and send to bank's audit platform;
Step S5: examine platform by bank the data of lender is examined,, can borrow amount information and send it back the guarantee transaction platform by rear the borrowed amount of determining lender according to data in audit;
Step S6: the guarantee transaction platform receives the borrowed amount information from bank's audit platform, completes credit.
Further, as described in Figure 4, based on the above method, method of the present invention also can be carried out following optimization:
Step S0: prompting lender registered members number on the guarantee transaction platform;
Step S1: by the data of guarantee transaction platform online acquisition lender;
Step S2: determine the borrowed amount grade of lender according to the capital of indicating in the industrial and commercial operation license copy of lender, and check module compare quantity and the classification of the data of checking according to borrowing amount classification data;
Step S3: with the industrial and commercial information in the data bank of the data of lender and authentication platform, credit information and or the tax information check of comparing;
Step S4: will compare the data of checking successful lender and send to bank's audit platform;
Step S5: examine platform by bank the data of lender is examined,, generate bank loan account and password and can borrow amount information and send it back in the lump the guarantee transaction platform by rear the borrowed amount of determining lender according to data in audit;
Step S6: the guarantee transaction platform receives the borrowed amount information from bank's audit platform, can borrow amount information, bank loan account and password and membership number and bind, and completes credit.
To sum up, the present invention adopts the third party as the guarantee transaction platform, carry out online data collection and the analysis of lender, first compare and examine by carrying out data with authentication platform, then will directly can borrow amount to bank's audit platform application, can greatly reduce lending priority bank and repeatedly submit the trouble of data to, also avoided bank's a large amount of time and efforts of cost to examine the data of lender, can realize fast a large amount of petty load credits, be conducive to large tracts of land, carry out the payment for goods business fast, cheaply.Further, can get enterprise at e-commerce platform, in the detailed transaction data of bank by the guarantee transaction platform, not only can get corporate boss's personal authentication's information, enterprise at the dynamic data of website, can also directly get enterprise in loan administration system or the historical data in the credit risk control system, thereby enterprise is carried out in all directions analysis, can complete on line all loan flow processs, transaction flow, identifying procedure, operation fast, simply, cost is low, and can reduce risks.
These are only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (10)
1. the quick credit system of bank, is characterized in that, comprising:
The guarantee transaction platform comprises:
Information acquisition module is for the data of online acquisition lender;
Data is checked module, be used for the industrial and commercial information of the data bank of the data of described lender and authentication platform, credit information and or the tax information check of comparing;
Communication module is used for comparing the data of checking described lender successfully and sends to bank's audit platform; Also be used for receiving the borrowed amount information from described bank audit platform;
Described bank audit platform is used for the data of described lender is examined, and, and can borrow amount information and send to described communication module by rear the borrowed amount of determining described lender according to described data in audit;
Described authentication platform, comprise store industrial and commercial information, credit information and or the data bank of tax information.
2. the quick credit system of bank according to claim 1, is characterized in that,
Described bank audit platform also is used for bank loan account and password are sent to described communication module.
3. the quick credit system of bank according to claim 2, is characterized in that,
Described guarantee transaction platform also comprises:
The account management module is used to described lender that the business of registered members's livery is provided, and described amount information, bank loan account and the password membership number corresponding with described lender of borrowing that described communication module is obtained is bound.
4. the quick credit system of the described bank of any one according to claim 1 to 3, is characterized in that,
The data of described lender comprises the licence that opens a bank account, industrial and commercial operation license copy, organization mechanism code card copy, Tax Registration Certificate copy, the legal representative of enterprise I.D. and bank loan card.
5. the quick credit system of bank according to claim 4, is characterized in that,
Described guarantee transaction platform also comprises:
The analysis and evaluation module, be used for capital that the industrial and commercial operation license copy according to described lender indicates and determine the borrowed amount grade of described lender, and check module compare quantity and the classification of the data of checking according to the described described data of amount classification of borrowing.
6. the quick credit method of bank, is characterized in that, comprises the following steps:
Step S1: by the data of guarantee transaction platform online acquisition lender;
Step S3: with the industrial and commercial information in the data bank of the data of described lender and authentication platform, credit information and or the tax information check of comparing;
Step S4: will compare the data of checking described lender successfully and send to bank's audit platform;
Step S5: examine platform by bank the data of described lender is examined,, can borrow amount information and send it back described guarantee transaction platform by rear the borrowed amount of determining described lender according to described data in audit;
Step S6: described guarantee transaction platform receives the borrowed amount information from described bank audit platform, completes credit.
7. the quick credit method of bank according to claim 6, is characterized in that, also comprises in described step S5, after the borrowed amount of determining described lender, generates bank loan account and password and send to back described guarantee transaction platform.
8. the quick credit method of bank according to claim 7, is characterized in that,
Before carrying out described step S1, described method also comprises:
Step S0: point out described lender registered members number on described guarantee transaction platform;
Also comprise in described step S6, borrow amount information, bank loan account and password and described membership number is bound with described.
9. the quick credit method of the described bank of any one according to claim 6 to 8, is characterized in that,
The data of described lender comprises the licence that opens a bank account, industrial and commercial operation license copy, organization mechanism code card copy, Tax Registration Certificate copy, the legal representative of enterprise I.D. and bank loan card.
10. the quick credit method of bank according to claim 9, is characterized in that, before carrying out described step S3, described method also comprises:
Step S2: determine the borrowed amount grade of described lender according to the capital of indicating in the industrial and commercial operation license copy of described lender, and check module compare quantity and the classification of the data of checking according to the described described data of amount classification of borrowing.
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| CN2013101211880A CN103150672A (en) | 2013-04-09 | 2013-04-09 | Bank quick credit granting system and method |
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| CN103810634A (en) * | 2014-03-05 | 2014-05-21 | 南京聪诺信息科技有限公司 | Method and device for realizing checking of loan business information |
| CN104917738A (en) * | 2014-03-14 | 2015-09-16 | 陈衡 | Finance platform data processing method and system |
| CN106055200A (en) * | 2016-05-27 | 2016-10-26 | 上海优走信息科技有限公司 | Display method and system for authentication processes of electronic device and application thereof |
| CN106960385A (en) * | 2017-04-12 | 2017-07-18 | 四川航天金穗高技术有限公司 | Net borrows management method, device and readable storage medium storing program for executing |
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| CN110310082A (en) * | 2019-06-03 | 2019-10-08 | 阿里巴巴集团控股有限公司 | Method and device is signed above a kind of enterprise's line |
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| CN103810634A (en) * | 2014-03-05 | 2014-05-21 | 南京聪诺信息科技有限公司 | Method and device for realizing checking of loan business information |
| CN104917738B (en) * | 2014-03-14 | 2018-03-16 | 陈衡 | Financial platform data processing method and system |
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| CN107038642A (en) * | 2017-03-09 | 2017-08-11 | 杭州复杂美科技有限公司 | Guarantee credit financing package based on block chain |
| CN106960385A (en) * | 2017-04-12 | 2017-07-18 | 四川航天金穗高技术有限公司 | Net borrows management method, device and readable storage medium storing program for executing |
| CN107203937A (en) * | 2017-05-19 | 2017-09-26 | 四川新网银行股份有限公司 | A kind of bank based on open platform directly borrows with small loan platform combines the method made loans |
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| CN107909468A (en) * | 2017-11-16 | 2018-04-13 | 山东浪潮云服务信息科技有限公司 | A kind of tax silver credit investigation system and method |
| CN108470310A (en) * | 2018-03-12 | 2018-08-31 | 广州友志信息科技有限公司 | Big data air control Model analysis system and method |
| CN109087208A (en) * | 2018-08-14 | 2018-12-25 | 深圳壹账通智能科技有限公司 | Data processing method, device, computer equipment and storage medium before borrowing |
| CN109829812A (en) * | 2018-12-24 | 2019-05-31 | 重庆生产力促进中心 | Science credit evaluation loan system and method based on big data |
| CN110322214A (en) * | 2019-05-14 | 2019-10-11 | 招银云创（深圳）信息技术有限公司 | Restoring files method and apparatus |
| CN110310082A (en) * | 2019-06-03 | 2019-10-08 | 阿里巴巴集团控股有限公司 | Method and device is signed above a kind of enterprise's line |
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| CN110728568A (en) * | 2019-09-03 | 2020-01-24 | 福建省农村信用社联合社 | Credit credit line method and system for credit investigation blank client |
| CN110675251A (en) * | 2019-09-29 | 2020-01-10 | 支付宝(杭州)信息技术有限公司 | Credit-based service processing method and device |
| CN111199389A (en) * | 2019-12-27 | 2020-05-26 | 安徽科讯金服科技有限公司 | Entrepreneurship guarantee loan online system based on government affair big data |
| CN111899085A (en) * | 2020-06-15 | 2020-11-06 | 东方微银科技(北京)有限公司 | Identity cross-validation method and device |
| CN111949694A (en) * | 2020-08-14 | 2020-11-17 | 中国工商银行股份有限公司 | Account storage period dynamic monitoring method and device |
| CN111949694B (en) * | 2020-08-14 | 2024-03-26 | 中国工商银行股份有限公司 | Account duration dynamic monitoring method and device |
| CN112700208A (en) * | 2020-12-23 | 2021-04-23 | 江苏智慧工场技术研究院有限公司 | Data checking module for fund issuing system |
| CN113177835A (en) * | 2021-04-07 | 2021-07-27 | 安徽科讯金服科技有限公司 | Science and technology loan online system based on government affair big data |
| CN113177849A (en) * | 2021-04-07 | 2021-07-27 | 安徽科讯金服科技有限公司 | Tax integration online system based on government affair big data |
| CN113409133A (en) * | 2021-06-25 | 2021-09-17 | 搜易热技术有限公司 | Intelligent credit granting system and method for scientific and medium-sized enterprises |
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