CN105260933A - Loan appraisal method for inclusive finance - Google Patents
Loan appraisal method for inclusive finance Download PDFInfo
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- CN105260933A CN105260933A CN201510754148.9A CN201510754148A CN105260933A CN 105260933 A CN105260933 A CN 105260933A CN 201510754148 A CN201510754148 A CN 201510754148A CN 105260933 A CN105260933 A CN 105260933A
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Abstract
The invention relates to a loan appraisal method for inclusive finance. The method comprises a data input device, a data storage device, a data processing device and a data output device, wherein the data input device is associated with a communication network for receiving data including phone numbers and one or more logos for lending institutions; the data storage device is used for storing the data received by the data input device and the data processed by the data processing device, and storing the user information of a credit information reporting agency; the data processing device is used for calling the customer information stored in the data storage device and the social performance appraisal index after receiving the customer lending request information, and calculating the scores by using the existing index evaluation system; and the data output device transmits the data called by the data storage device and the scores determined by the data processing device. According to the characteristics of rural micro-credit, the loan appraisal method for inclusive finance uses a client of a mobile phone to acquire the information and data of rural enterprises and especially peasant household (borrower) so as to greatly reduce the human cost for business handling for institutions, to significantly improve the business handling efficiency, to accurately screen the target customers and to help establishing a credit investigation database for a rural area.
Description
Technical field
The invention belongs to financial technology field, be specifically related to a kind of loan valuation method of general favour finance.
Background technology
Along with country is to the input of support and the annual funds associated therewith energetically of Bank Informatization, domestic loan System Market grows rapidly, and market outlook are very favourable.At present, commercial bank is for reducing risk, and it is general comparatively complicated that loan transaction handles flow process.The loan review process of bank is that bank is on the basis analyzed turnover and the personal income situation of enterprise, carry out necessary visit and linking up rear decision and whether can offer loans to this enterprise, not only the loan examination & approval time is long, and the information obtaining loan is comparatively unilateral, is unfavorable for large area, carries out bank loan business rapidly.Especially, in the assessment that rural area enterprise, little Wei enterprise and peasant household are provided a loan and risk management, most important enterprise management behavior and data are lacked.So, integration of science management system, select reasonably to change pattern, re-examine loan administration flow process, the power of marketing of clearly providing a loan, loan risk evaluation and the different link such as credit, payment for goods portfolio management and responsibility, according to the theory of EWRM, according to credit risk, the control overflow of the different risk factors such as the market risk, operational risk, moral hazard, integrates credit management system and management tool, become commercial bank credit operation successfully in the urgent need to.
As the important component part of socio-economic development, rural area enterprise increases fast, tackles the problem of employment of the labor force and promotes in support China economy in sci-tech innovation ability etc., plays an important role.But rural area enterprise but ubiquity financing difficulties and to finance expensive problem, and this phenomenon seriously constrains further developing of rural economy, hinders the in-depth of market economy reform.At present, China only 10% rural area enterprise can obtain bank credit support, and 83% exists cash-starved problem.Constantly deepen with global economic recession impact, real economy development difficulty further, rural area Corporate finance problem becomes increasingly conspicuous, every year about 30% rural area business failure, and wherein 60% caused by capital chain rupture.As can be seen here, Corporate finance market, rural area has huge potential demand, but cannot be met for a long time.Resolve rural area Corporate finance problem and there is significant economic benefit and social benefit.
The factor affecting rural area business loan difficulty is complicated, profound, only relies on national policy support and financial input not to solve completely.Its reason is: one, rural area scope of the enterprise and the output value less, lack necessary guaranty, risk resistivity is weak, and bank loan bad credit rate is high, and the single volume of credit unit that causes less than normal provides a loan high expensive simultaneously, and these factors have impact on bank and make loans.Two, rural area theory analysis of information in company is lack of standardization, financial institution is difficult to business circumstance and the risk information of grasping rural area enterprise completely, information asymmetry causes Low market efficiency, the high-quality enterprise with ability of paying back is blocked outdoors by dear money, residue client medium or high risk enterprise is on the high side, have impact on bank's lending enthusiasm further.Three, financial industry access threshold is high, provides the small financial lazy weight of financing services to rural area enterprise, causes the supply of rural area Corporate finance shorter.Four, intermediary service agency's slower developments such as credit rating, credit underwriting, financing agency, the formality of existing service organization is numerous and diverse, service level is lower, it is higher to collect the charges, and these problems make rural area enterprise can't bear the heavy load, increase rural area Corporate finance cost, limit it and develop in a healthy way.
Current domestic development comparatively smoothly rural area enterprise network Financing Mode mainly can be summarized as two classes: one is " network financing mediation mode ": in this mode, in fact network financing platform belongs to the outsourcing of bank finance business front-end process, platform and domestic Duo Jia bank coact, integrate the multiple financing tool towards rural area enterprise, make supermarket that one-stop rural area enterprise network provides a loan.This pattern is actually the service outsourcing of bank finance business front-end process.Two is " e-commerce platform patterns ", and this pattern is with electronic business platform for core, and its main prospective borrower is the member enterprise of e-commerce platform.
But, domestic rural area enterprise network Financing Mode exists a lot of not enough: one, " network financing mediation mode " involvement level in the business loan flow process of rural area is lower, loan flow process is still to be operating as master under bank's line, be unfavorable for the running cost reducing bank, and its credit appraisal mechanism mainly relies on the information that borrower initiatively inputs, owing to lacking necessary checking and review mechanism, credit appraisal credible result degree is caused to leave a question open, likely produce Low market efficiency, cause providing a loan and invest the larger borrower of risk.Two, with e-business network business be core " e-commerce platform pattern " although there is certain advantage in alleviation information asymmetry and repaying tied mechanism, but its financing platform is mainly towards the existing member enterprise of third-party E-commerce platform, its credit appraisal mechanism and loan operating process also with e-commerce platform close-coupled, a large amount of non-member enterprise has been blocked in outside platform.Even if platform can open to the public, but for non-member enterprise, the advantage of its Information Superiority and tied mechanism will be no longer obvious.As can be seen here, because rural area enterprise business risk is higher, information announcing is lack of standardization, single volume of credit is less, cause bank to raise interest rates or select few loan, defining the predicament of Low market efficiency constraint lower rural area business loan difficulty; And network financing investigation and application mainly adopts is the closed operation mode of e-commerce platform and specific bank system docking, bank is less to rural area Corporate finance product coverage rate; And " intermediary of network pattern " is although better open, but primary limitation is demand conformity stage before loan, still can not provide effective financing product intelligent coupling, reference and credit rating, line reach the standard grade lower loan flow process integrate, borrow after the core means such as risk management, efficient service cannot be provided for financing both sides.
Tradition interest rate pricing structure is that bank carries out risk status assessment to loan application people, and according to its risk class and the amount of the loan, the loan interest rate of the key element settings such as the length of maturity, although the method more scientifically reflects the risk income intension of interest rate, but, because customer lending and deposit are isolated by completely, have ignored under a competitive financial environment, deposit is only this brass tacks of bank credit funds main source, be unfavorable for transferring the deposit enthusiasm of loan application people before loan, if and loan application people does not deposit before loan, so, nature is difficult to carry out smoothly the analysis of clients fund stream when investigating before bank borrows, effectively cannot differentiate customer risk situation, so carrying out risk assessment to it is also an empty verbiage.The payment for goods auditing system of current bank cannot get the E-business applications data of this enterprise, especially the behavior on e-commerce website or each transaction platform, data, the content that one piece relates to core management position has been lacked in enterprise's examination & verification, not only cannot realize all on-line full-automation, and omnibearing analysis, evidence cannot be carried out to this enterprise.
Summary of the invention
The object of this invention is to provide a kind of loan valuation method of general favour finance.Described general favour finance refers to can effectively, in all directions for all stratum of society and colony provide the financial system of service, allow the vast client be ostracised outside formal finance system can obtain the financial service of needs.The emphasis service object of general favour finance is poor colony, agriculture, rural areas and farmers colony, industry and rural area.Improving in modern financial system process, needing to expand further the breadth and depth that financial service covers, improve constantly coverage rate and the permeability of financial service, allowing modern finance serve and benefit the disadvantaged group such as rural area enterprise and peasant household more.In conjunction with China's national situation, rural area is the main battle ground developing general favour finance.Compared with the requirement of general favour finance, China's Rural financial institution all has larger gap in the degree of depth, range of service, of particular concern is, the new village financial institutions such as villages and small towns bank, small-loan company specify that the policy goals mission of Serve " Agriculture when founding, but have occurred that day by day serious target departs from practice.Main manifestations is: (1) departs from objective area, as mechanism or site are built up in county town instead of villages and small towns; (2) depart from target customer, part small-loan company departs from " supporting agriculture little " direction, to provide wholesale relation loan, be unwilling to make loans to poor client, little micro-client; (3) depart from customer demand, as simple copy big bank credit product and can not go to develop flexile product for agrarian finance system.As can be seen here, the new village financial institution how promoting Market Operation realizes the policy goals of Serve " Agriculture better, the not only effect of relation rural financial reforms and the availability of agriculture, rural areas and farmers financial service, also directly affects the development of the general favour financial system of China.For a long time, owing to lacking relevant appraisal procedure and index, whether Serve " Agriculture social responsibility has been fulfiled for new village financial institution, whether complete the social goal of Serve " Agriculture, performance (social performance) such as how problem does not obtain definite answer, this, not only bad for the financing difficult problem alleviating rural areas in our country, also directly has influence on the effect of China's rural financial reforms.The application passes through to propose a kind of loan valuation method for financial institution, the above-mentioned target thus help financial institution takes accurate aim more.
Concrete technical scheme of the present invention is, a kind of loan valuation method of general favour finance, and described method uses with lower device:
Data input device, is associated with communication network, for receiving data, comprises the mark of phone number and one or more lending institution;
Data storage device, for storing the data and the data that terminate of data processing equipment process that data input device receives, and the user information collection of credit information service and storage;
Data processing equipment, being stored in customer information in data storage device and social performance evaluation index for calling after receiving customer lending solicited message, using existing indicator evaluation system to calculate the score; And
Data invoked in data storage device and the determined score of data processing equipment are sent to outlet terminal by data output device.
Further, when calculating described score, described customer information comprises the information of client association people.
Further, when calculating described score, described social performance evaluation index comprises covering to target customer, the quality of the products & services that provide to target customer, to the improvement of target customer's social capital, the social responsibility four dimensions born client, employee, environment.
Further, described each dimension comprises 2-3 refinement index, and each index has corresponding score value.
Described social performance, from real aspect, the fast development of miniature financial circles proposes financial institution can the requirement of survey to social performance.From theoretic, on the one hand, the introducing of social performance concept is conducive to Enterprise Resource reasonable distribution, and on the other hand, the proposition of social performance problem also brings miniature financial institution services the poor and realizes the problem of financial sustainable double goal.At present social performance is defined as and comprises: social mission, coverage rate, customer service, information transparency and consumer protection, employee and with the contacting of surrounding communities.It contains four aspects: the client that (1) is benefited the poor and repelled by formal finance; (2) products & services of different target customer demand are adapted to; (3) its politics and social capital and the relation that breaks the wall of mistrust between client, is strengthened; (4) mechanism is to the social responsibility etc. of its employee, client and place community.Described social performance evaluation belongs to a part for impact evaluation in essence, and it comprises two kinds of different assessment society Performance Standard, i.e. index (instrument) method and test method(s)s.The basic ideas of described index (instrument) Evaluation Method are the assessments realizing social performance by setting up suitable evaluation index (instrument).Described test method(s), its basic ideas are by assessing its social performance to the social influence of destination object.
Social PAS-Performance Appraisal used in this application, in conjunction with the present situation of China's agrarian finance, the intension tentatively defining society of new village financial institution performance is the continued shift process social goal of its Serve " Agriculture come true, the particular content of Serve " Agriculture, comprises the finance and non-financial service that provide towards five aspects such as new village management body such as peasant household, the medium and small micro-enterprise in rural area, professional rich and influential family, home farm, peasant cooperative societies.The quality of the products & services that society of setting financial institution PAS-Performance Appraisal comprises covering to target customer, provide to target customer, to the improvement of target customer's social capital, to four dimensions such as the social responsibilities that client, employee, environment are born, each dimension is refinement 2-3 index again, and give each index corresponding score value.
Foregoing invention can be run with universal or special computing system environment or configuration.The example of the known computing system that can be suitable for using with the present invention, environment and/or configuration includes but not limited to: personal computer, server computer, hand-held or laptop computer device, tablet device, multicomputer system, system based on microprocessor, Set Top Box, programmable consumer appliances, network PC, small-size computer, mainframe computer, comprise the distributed computing environment etc. of above any system or equipment.
The assembly of computer system of the present invention can include but not limited to processing unit, system storage, the multiple systems assembly comprising system storage is coupled to the system bus of processing unit.System bus can be any one in the bus structure of some types, comprises memory bus or Memory Controller, peripheral bus and uses the local bus of any one in various bus architecture.
This computer system generally includes various non-transitory computer-readable medium.Computer-readable medium can be any usable medium that computing machine can be accessed, and has both comprised volatibility and non-volatile media, also comprises removable and non-removable medium.Exemplarily, and without limitation, computer-readable medium can comprise computer-readable storage medium and communication media.Computer-readable storage medium can store and such as calculate the such information of instructions, data structure, program module or other data.Computer-readable storage medium include but not limited to RAM, ROM, EEPROM, flash memory or other memory technologies, CD-ROM, digital universal disc (DVD) or other optical disc storage, magnetic tape cassette, tape, disk storage or other magnetic storage apparatus or may be used for store desired by information and can by any other medium of computer access.Communication media typically implements computer-readable instruction, data structure, program module or other data with the such modulated data-signal of such as carrier wave or other transmission mechanisms, and comprises any information delivery media.Term " modulated data-signal " represents the signal arranging or change one or more feature in the mode that is signal by information coding.Exemplarily, and without limitation, communication media comprises such as cable network or wire medium that directly wired connection is such and such as acoustics, RF, the wireless medium that infrared and other wireless mediums are such.The combination of any also should be included in the scope of computer-readable medium above.
Run in the networked environment that this computer system can connect in the logic using one or more remote computer.Described remote computer can be personal computer, server, router, network PC, peer devices or other common network node, and it is multiple or whole typically to comprise in the said elements relevant to computing machine.Shown logic connects and comprises one or more LAN (Local Area Network) (LAN) and one or more wide area network (WAN), but also can comprise other networks.Such networked environment is common in the computer network of office, enterprise-wide, Intranet and internet.
For ease of setting forth, in this article, each step of the present invention or key element are not described as a part for software or computer system, but one of skill in the art will appreciate that each step or key element can have corresponding computer system or component software.Therefore, such computer system and/or component software can be enabled by describing the step of their correspondences or key element (that is, their function), and within the scope of the invention.In addition, each step of the present invention and/or key element can be stored in non-transitory storage medium, and are performed by processor selection.
By implementing above technical scheme, there is following technique effect: general favour financial credit appraisal procedure provided by the invention is according to Rural Microcredit feature, the client of mobile phone is used to carry out the collection of rural area enterprise/peasant household (borrower) information material, can ensure that customer manager is to rural area field investigation, significantly can reduce the human cost of business handling simultaneously;
By the data interaction of mobile phone and credit management server, compare traditional credit system investigation typing, approval process, can obviously promote business handling efficiency:
Utilize the GPS function of mobile phone, can customer manager's working trajectory of real-time follow-up transacting business, realize the direct management of general headquarters to grass-roots work personnel;
Under using the client of mobile phone, pass work program and reminder message by credit service device, post-loan management timely and effectively can be accomplished.
Specially for the credit inquiry Managed Solution of rural area feature design, target customer can be screened more exactly.
Embodiment
The present invention is further described below.
The invention provides a kind of general favour financial credit appraisal procedure, first the information of apply for loan user is gathered by customer manager's mobile phone, the information material collected is uploaded logging data memory storage, by the information of the apply for loan user gathered described in data processing system analyses, and carry out one-level examination bear results, according to described examination result, described apply for loan user is carried out secondary examination, namely, society's performance evaluation, and finally form assessment report.Then, data invoked in data storage device and the determined score of data processing equipment are passed through data output device, is sent to outlet terminal, according to described assessment report, the described apply for loan user meeting loaning bill is offered loans.
When calculating described score, described customer information comprises the information of client association people.Described affiliated person comprises legal person and the legal representative of judicial person of client, commissarial spouse, father and mother and children, copartner and unit.
When calculating described score, described social performance evaluation index comprises covering to target customer, the quality of the products & services that provide to target customer, to the improvement of target customer's social capital, the social responsibility four dimensions born client, employee, environment.Described each dimension comprises 2-3 refinement index, and each index has corresponding score value.
Such as, to the covering 20 points of target customer; To each 10 points of the quality of the products & services that target customer provides; To the improvement 40 points of target customer's social capital; To the social responsibility 20 points that client, employee, environment are born, wherein, environment one 10 points.
Above-mentionedly to be described with illustrative embodiments, to should not be construed as and limit the invention.Although disclosed multiple illustrative embodiments, those skilled in the art have been readily appreciated that various deformation possible in illustrative embodiments, e.g., and amendment, equivalent replacement, improvement etc., and inherently do not depart from novel teachings of the present invention and advantage.Therefore, being included in as defined by the following claims in scope of the present invention of all these Amoebidas.Be understandable that, aforementioned is explanation to various exemplary embodiment, and be not the disclosed particular embodiment of restriction, the distortion of open embodiment and other illustrative embodiments, object is contained in the scope of claims.
Claims (4)
1. a loan valuation method for general favour finance, is characterized in that, described method uses with lower device:
Data input device, is associated with communication network, for receiving data, comprises the mark of phone number and one or more lending institution;
Data storage device, for storing the data and the data that terminate of data processing equipment process that data input device receives, and the user information collection of credit information service and storage;
Data processing equipment, being stored in customer information in data storage device and social performance evaluation index for calling after receiving customer lending solicited message, using existing indicator evaluation system to calculate the score; And
Data invoked in data storage device and the determined score of data processing equipment are sent to outlet terminal by data output device.
2. the loan valuation method of general favour finance according to claim 1, is characterized in that, when calculating described score, described customer information comprises the information of client association people.
3. the loan valuation method of general favour finance according to claim 1, it is characterized in that, when calculating described score, described social performance evaluation index comprises covering to target customer, the quality of the products & services that provide to target customer, to the improvement of target customer's social capital, the social responsibility four dimensions born client, employee, environment.
4. the loan valuation method of general favour finance according to claim 3, it is characterized in that described each dimension comprises 2-3 refinement index, each index has corresponding score value.
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105528465A (en) * | 2016-02-03 | 2016-04-27 | 天弘基金管理有限公司 | Credit status assessment method and device |
| CN107153993A (en) * | 2017-04-19 | 2017-09-12 | 畅捷通信息技术股份有限公司 | The realization method and system of big data financial platform |
| WO2017202324A1 (en) * | 2016-05-25 | 2017-11-30 | 珠海市小源科技有限公司 | Credit investigation method for terminal device and apparatus thereof, computer apparatus and computer-readable storage medium |
| CN110192217A (en) * | 2016-02-18 | 2019-08-30 | 株式会社野村综合研究所 | Information processing unit, information processing method and computer program |
| CN110348725A (en) * | 2019-07-02 | 2019-10-18 | 北京淇瑀信息科技有限公司 | Risk policy method of adjustment, device and electronic equipment based on regional society environmental information |
| CN111798305A (en) * | 2020-07-08 | 2020-10-20 | 中国建设银行股份有限公司 | Agricultural loan admission evaluation method, device, equipment and storage medium |
| CN112232871A (en) * | 2020-10-15 | 2021-01-15 | 赣南师范大学 | Differentiated loan interest rate pricing system and method |
| CN112449021A (en) * | 2016-01-27 | 2021-03-05 | 创新先进技术有限公司 | Method and device for screening internet resources |
-
2015
- 2015-11-10 CN CN201510754148.9A patent/CN105260933A/en active Pending
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112449021A (en) * | 2016-01-27 | 2021-03-05 | 创新先进技术有限公司 | Method and device for screening internet resources |
| CN112449021B (en) * | 2016-01-27 | 2023-10-27 | 创新先进技术有限公司 | Internet resource screening method and device |
| CN105528465A (en) * | 2016-02-03 | 2016-04-27 | 天弘基金管理有限公司 | Credit status assessment method and device |
| CN110192217A (en) * | 2016-02-18 | 2019-08-30 | 株式会社野村综合研究所 | Information processing unit, information processing method and computer program |
| WO2017202324A1 (en) * | 2016-05-25 | 2017-11-30 | 珠海市小源科技有限公司 | Credit investigation method for terminal device and apparatus thereof, computer apparatus and computer-readable storage medium |
| CN107153993A (en) * | 2017-04-19 | 2017-09-12 | 畅捷通信息技术股份有限公司 | The realization method and system of big data financial platform |
| CN110348725A (en) * | 2019-07-02 | 2019-10-18 | 北京淇瑀信息科技有限公司 | Risk policy method of adjustment, device and electronic equipment based on regional society environmental information |
| CN111798305A (en) * | 2020-07-08 | 2020-10-20 | 中国建设银行股份有限公司 | Agricultural loan admission evaluation method, device, equipment and storage medium |
| CN112232871A (en) * | 2020-10-15 | 2021-01-15 | 赣南师范大学 | Differentiated loan interest rate pricing system and method |
| CN112232871B (en) * | 2020-10-15 | 2023-06-06 | 赣南师范大学 | Differentiated loan interest rate pricing system and method |
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