CN107767261A - The implementation method and device of loan financing - Google Patents
The implementation method and device of loan financing Download PDFInfo
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- CN107767261A CN107767261A CN201710982847.8A CN201710982847A CN107767261A CN 107767261 A CN107767261 A CN 107767261A CN 201710982847 A CN201710982847 A CN 201710982847A CN 107767261 A CN107767261 A CN 107767261A
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Abstract
The invention provides a kind of implementation method of loan financing and device, this method includes：Establish the cooperative relationship with bank；Back ground Information and the demand for loan that user sends are received, Back ground Information and demand for loan are sent to target bank, so that target bank is assessed demand for loan according to Back ground Information and the air control pattern of itself, obtains assessment result；When assessment result is the result by demand for loan, the target that the transmission of target bank is received by the work group clamping of user is provided a loan, to complete loan financing.The method of the present invention is realized based on third-party platform, bridge of the third-party platform between bank and user, the data of guest portal and part air control assessment can be provided for bank, simultaneously, the passage of loan is provided the user, compared to the mode of non-governmental loan, the loan cost of this method is low, and risk is small, practicality is good, existing cost height of being provided a loan by way of non-governmental loan is alleviated, risk is big, the technical problem of poor practicability.
Description
Technical field
The present invention relates to the technical field of information processing, more particularly, to the implementation method and device of a kind of loan financing.
Background technology
In existing construction industry, class monitor and group leader (i.e. contractor) is frequently necessary to construction of providing loans, and they are not regular
Bank financing channel, and financed by way of non-governmental loan, cost is higher, and risk is big.Worker is in busy emergent, mistake
In the case that section or student start to school, generally require to pay wages, class monitor and group leader usually pays by the way of asking for an advance on one's pay, such case
Under, class monitor and group leader's cash squeeze, wages, which are paid, there is the situation of running on a bank, it is necessary to carries out short-term capital short-term loan at daily interest to solve the matter of great urgency.
Because class monitor and group leader is high net value crowd, responsible departments of the government and bank also desire to service for it, but due to contracting
Contract project is personally carried out, and the formal financial institution such as bank can not establish air control model to it and carry out prestige and comment
Valency, therefore, it is impossible to the service of offering a loan.Class monitor and group leader occupies the energy more than comparison during capital turnover is carried out, and influences
Construction management progress and construction quality, form vicious circle；By way of non-governmental loan, cost is high, can lose a lot
Profit, be unfavorable for enlarged reproduction and the sound development of labor service troop；Also, if raised less than fund, it is also easy to excite
Contradiction between class monitor and group leader and worker, once out of control can trigger social event, the stable and united of society is influenceed, and then influenceed economical
Development.
In the prior art, also serviced without a kind of practical loan financing method for class monitor and group leader, to alleviate existing pass through
The mode of non-governmental loan borrows cost height, and risk is big, the technical problem of poor practicability.
The content of the invention
In view of this, it is existing to alleviate it is an object of the invention to provide a kind of implementation method of loan financing and device
Provided a loan by way of non-governmental loan cost height, risk is big, the technical problem of poor practicability.
In a first aspect, the embodiments of the invention provide a kind of implementation method of loan financing, applied to third-party platform, institute
The method of stating includes：
The cooperative relationship with bank is established, wherein, the cooperative relationship is used for the clothes for making the bank offer a loan financing
Business；
Receive user send Back ground Information and demand for loan, and by the Back ground Information and the demand for loan send to
Target bank, so that the target bank is commented the demand for loan according to the Back ground Information and the air control pattern of itself
Estimate, obtain assessment result, wherein, the Back ground Information is used to carry out air control assessment, and the target bank is the demand for loan
Corresponding bank；
When the assessment result is the result by the demand for loan, by described in the work group clamping receipts of the user
The target loan that target bank sends, to complete the loan financing, wherein, the work group card is special bank deposit card.
With reference in a first aspect, the embodiments of the invention provide the possible embodiment of the first of first aspect, wherein, institute
Demand for loan is stated to comprise at least：The amount of the loan, payback period, mode of repayment.
With reference in a first aspect, the embodiments of the invention provide the possible embodiment of second of first aspect, wherein,
Establish after the cooperative relationship with target bank, it is described before the Back ground Information of user's transmission and demand for loan is received
Method also includes：
Receive the login authentication request that the user sends；
Judge whether the login authentication request meets default login authentication condition；
If the login authentication request meets the default login authentication condition, it is determined that login authentication passes through；
If the login authentication request does not meet the default login authentication condition, it is determined that login authentication fails, and
The user is prompted to log in again；
In login authentication by rear, the letter of the advance work group card handled in the target bank of user's input is received
Breath and the essential information of the user, to complete the binding with the work group card and the target bank.
With reference in a first aspect, the embodiments of the invention provide the possible embodiment of the third of first aspect, wherein,
The target that the target bank transmission is received by the work group clamping of the user is provided a loan, after completing the loan financing, institute
Stating method also includes：
The wages information pending that the user sends is received, wherein, the wages information pending is the worker of wages of waiting for claimant
The corresponding relation of the amount of money is provided with wages；
The personal Net silver interface for calling bank according to the wages information pending carries out wages granting, so that the work group card
Wages are provided for the worker of the wages that wait for claimant.
With reference in a first aspect, the embodiments of the invention provide the possible embodiment of the 4th of first aspect kind, wherein,
The target that the target bank transmission is received by the work group clamping of the user is provided a loan, after completing the loan financing, institute
Stating method also includes：
The refund information of user's transmission is obtained by the work group card；
The prestige that the user is generated according to the refund information records.
With reference in a first aspect, the embodiments of the invention provide the possible embodiment of the 5th of first aspect kind, wherein, institute
Back ground Information is stated to comprise at least：The essential information of the user, the revenue and expenditure record of the work group card, the prestige note of the user
Record, the guarantee material of the user.
Second aspect, the embodiment of the present invention additionally provide a kind of realization device of loan financing, applied to third-party platform,
Described device includes：
Module is established, for establishing the cooperative relationship with bank, wherein, the cooperative relationship is used to provide the bank
The service of loan financing；
First receiving module, for receiving Back ground Information and the demand for loan of user's transmission, and by the Back ground Information and
The demand for loan is sent to target bank, so that the target bank is according to the Back ground Information and the air control pattern pair of itself
The demand for loan is assessed, and obtains assessment result, wherein, the Back ground Information is used to carry out air control assessment, the target
Bank is bank corresponding to the demand for loan；
Second receiving module, for when the assessment result is the result by the demand for loan, passing through the use
The target loan that the target bank sends is received in the work group clamping at family, to complete the loan financing, wherein, the work group card is
Special bank deposit card.
With reference to second aspect, the embodiments of the invention provide the possible embodiment of the first of second aspect, wherein, institute
Demand for loan is stated to comprise at least：The amount of the loan, payback period, mode of repayment.
With reference to second aspect, the embodiments of the invention provide the possible embodiment of second of second aspect, wherein, institute
Stating device also includes：
3rd receiving module, the login authentication request sent for receiving the user；
Judge module, for judging whether the login authentication request meets default login authentication condition；
First determining module, if login authentication request meets the default login authentication condition, it is determined that log in
Certification passes through；
Second determining module, if login authentication request does not meet the default login authentication condition, it is determined that step on
Authentification failure is recorded, and prompts the user to log in again；
4th receiving module, for by rear, receiving the advance in target silver of user's input in login authentication
The row information of work group card and the essential information of the user handled, to complete to tie up with the work group card and the target bank
It is fixed.
With reference to second aspect, the embodiments of the invention provide the possible embodiment of the third of second aspect, wherein, institute
Stating device also includes：
5th receiving module, the wages information pending sent for receiving the user, wherein, the wages information pending
Worker and the corresponding relation of the wages granting amount of money for the wages that wait for claimant；
Calling module, for being called the personal Net silver interface of bank to carry out wages granting according to the wages information pending,
So that the work group card provides wages for the worker of the wages that wait for claimant.
The embodiment of the present invention brings following beneficial effect：The embodiments of the invention provide a kind of realization side of loan financing
Method and device, applied to third-party platform, this method includes：The cooperative relationship with bank is established, wherein, cooperative relationship is used to make
Bank offers a loan the service of financing；Back ground Information and the demand for loan that user sends are received, and Back ground Information and loan are needed
Transmission is asked to target bank, so that target bank is assessed demand for loan according to Back ground Information and the air control pattern of itself,
Assessment result is obtained, wherein, Back ground Information is used to carry out air control assessment, and target bank is bank corresponding to demand for loan；When commenting
When estimating result for by the result of demand for loan, the target that the transmission of target bank is received by the work group clamping of user is provided a loan, with complete
Into loan financing, wherein, work group card is special bank deposit card.
Existing class monitor and group leader is financed by way of personalized lending, and cost is higher, and risk is big, can lose many profits
Profit, is unfavorable for enlarged reproduction and the sound development of labor service troop.Compared with the mode of existing personalized lending, the present invention passes through
Third-party platform establishes the cooperative relationship with bank, and then, third-party platform receives the Back ground Information that user sends and needed with loan
Ask, and Back ground Information and demand for loan are sent to target bank, so that target bank is based on Back ground Information and the air control of itself
Pattern is assessed demand for loan, and when assessment is obtained by the demand for loan, target silver is received by the work group clamping of user
The target loan that row is sent, so as to complete loan financing.The implementation method of the loan financing of the present invention is to be based on third-party platform
Realize, bridge of the third-party platform between bank and user, guest portal (i.e. demand for loan) can be provided for bank
The data (i.e. Back ground Information) assessed with part air control, meanwhile, the passage of loan is provided the user, compared to non-governmental loan
Mode, the loan cost of this method is low, and risk is small, and practicality is good, alleviates and existing is provided a loan into by way of non-governmental loan
This height, risk is big, the technical problem of poor practicability.
Other features and advantages of the present invention will illustrate in the following description, also, partly become from specification
Obtain it is clear that or being understood by implementing the present invention.The purpose of the present invention and other advantages are in specification, claims
And specifically noted structure is realized and obtained in accompanying drawing.
To enable the above objects, features and advantages of the present invention to become apparent, preferred embodiment cited below particularly, and coordinate
Appended accompanying drawing, is described in detail below.
Brief description of the drawings
, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical scheme of the prior art
The required accompanying drawing used is briefly described in embodiment or description of the prior art, it should be apparent that, in describing below
Accompanying drawing is some embodiments of the present invention, for those of ordinary skill in the art, before creative work is not paid
Put, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is a kind of flow chart of the implementation method of loan financing provided in an embodiment of the present invention；
Fig. 2 is the flow chart provided in an embodiment of the present invention for logging in binding；
Fig. 3 is the method flow diagram of payment worker's wages provided in an embodiment of the present invention；
Fig. 4 is the method flow diagram of the prestige record provided in an embodiment of the present invention for obtaining user；
Fig. 5 is a kind of structured flowchart of the realization device of loan financing provided in an embodiment of the present invention.
Icon：
11- establishes module；The receiving modules of 12- first；The receiving modules of 13- second.
Embodiment
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with accompanying drawing to the present invention
Technical scheme be clearly and completely described, it is clear that described embodiment is part of the embodiment of the present invention, rather than
Whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not making creative work premise
Lower obtained every other embodiment, belongs to the scope of protection of the invention.
For ease of understanding the present embodiment, the realization first to a kind of loan financing disclosed in the embodiment of the present invention
Method describes in detail.
Embodiment one：
A kind of implementation method of loan financing, applied to third-party platform, with reference to figure 1, this method includes：
S102, foundation and the cooperative relationship of bank, wherein, cooperative relationship is used for the service for making bank offer a loan financing；
In embodiments of the present invention, the third-party platform is work group settlement platform, first establishes the cooperative relationship with bank, should
Cooperative relationship make it that bank offers a loan the service of financing.
Specifically, bank can be Chinese agricultural bank, safety bank, Chengdu bank etc., or other banks, the present invention
Embodiment is not particularly limited to bank.
S104, Back ground Information and demand for loan that user sends are received, and Back ground Information and demand for loan are sent to mesh
Standard silver row, so that target bank assesses demand for loan according to Back ground Information and the air control pattern of itself, obtain assessing knot
Fruit, wherein, Back ground Information is used to carry out air control assessment, and target bank is bank corresponding to demand for loan；
After establishing the cooperative relationship with bank, user sends Back ground Information and loan by third-party platform to target bank
Demand, so, target bank are commented after Back ground Information and demand for loan is received according to Back ground Information and the air control pattern of itself
Estimate demand for loan.
Specifically, Back ground Information is the data for carrying out air control assessment.In embodiments of the present invention, user is primarily referred to as
Class monitor and group leader, or other users using third-party platform, the embodiment of the present invention are not particularly limited to it.
S106, when assessment result is by the result of demand for loan, the work group clamping for passing through user is received target bank and sent out
The target loan sent, to complete loan financing, wherein, work group card is special bank deposit card.
When assessment result is the result by demand for loan, target bank is received by the work group clamping of user and sends target
Loan, so as to complete loan financing.Specifically, target loan is the loan corresponding to the amount of the loan in demand for loan.
Work group card is the special bank deposit card handled in advance in target bank of user, the work group card be third-party platform with
Associated bank cooperates distribution.
Existing class monitor and group leader is financed by way of personalized lending, and cost is higher, and risk is big, can lose many profits
Profit, is unfavorable for enlarged reproduction and the sound development of labor service troop.Compared with the mode of existing personalized lending, the present invention passes through
Third-party platform establishes the cooperative relationship with bank, and then, third-party platform receives the Back ground Information that user sends and needed with loan
Ask, and Back ground Information and demand for loan are sent to target bank, so that target bank is based on Back ground Information and the air control of itself
Pattern is assessed demand for loan, and when assessment is obtained by the demand for loan, target silver is received by the work group clamping of user
The target loan that row is sent, so as to complete loan financing.The implementation method of the loan financing of the present invention is to be based on third-party platform
Realize, bridge of the third-party platform between bank and user, guest portal (i.e. demand for loan) can be provided for bank
The data (i.e. Back ground Information) assessed with part air control, meanwhile, the passage of loan is provided the user, compared to non-governmental loan
Mode, the loan cost of this method is low, and risk is small, and practicality is good, alleviates and existing is provided a loan into by way of non-governmental loan
This height, risk is big, the technical problem of poor practicability.
Specifically, demand for loan comprises at least：The amount of the loan, payback period, mode of repayment.
Specifically, Back ground Information comprises at least：The essential information of user, the revenue and expenditure record of work group card, the prestige note of user
Record, the guarantee material of user.
In embodiments of the present invention, the revenue and expenditure record of work group card includes income part and expenditure part, wherein, take in part
Teams and groups' labor cost periodically or is irregularly issued in work group card by agreement for total subpackage enterprise, expenditure part is to worker
The granting of wages is carried out, after the revenue and expenditure for obtaining work group card records, it becomes possible to pay wage flowing water by card according to revenue and expenditure record
Amount calculates the income and loan repayment capacity of user.
The prestige of user is recorded as what the refund information that user is refunded by work group card generated, hereinafter carries out again
Specifically describe.
The guarantee material of user refers to when being provided a loan, it is necessary to be tendered guarantee to bank.Such as with total score Bao Zheng department
Labour service contract remaining sum as guarantee, the embodiment of the present invention to guarantee material be not particularly limited.
In addition, Back ground Information can also include some other testimonial material information, such as engineering project authentication material etc..
By more than information and target bank itself air control mode evaluation user demand for loan, for make loans provide according to
According to.
Alternatively, with reference to figure 2, after the cooperative relationship with target bank is established, the basis letter of user's transmission is being received
Before breath and demand for loan, this method also includes：
S201, receive the login authentication request that user sends；
Specifically, third-party platform will first receive user before the Back ground Information of user's transmission and demand for loan is received
The login authentication request of transmission.
S202, judge whether login authentication request meets default login authentication condition；
Then, third-party platform judges whether login authentication request meets default login authentication condition, wherein, preset and log in
Authentication condition is the login authentication encrypted message that user pre-sets when being registered.
S203, if logged on certification request meet default login authentication condition, it is determined that login authentication passes through.
S204, if logged on certification request default login authentication condition is not met, it is determined that login authentication fails, and prompts
User logs in again.
S205, in login authentication by rear, receive the information of the advance work group card handled in target bank of user's input
With the essential information of user, to complete the binding with work group card and target bank.
In login authentication by rear, that is, after user logins successfully, advance being done in target bank of user's input is received
The information of work group card and the essential information of user of reason, in this way, it is possible to complete third-party platform and user, the work group of user
Binding relationship between card, target bank.
Alternatively, with reference to figure 3, the target that the transmission of target bank is received in the work group clamping by user is provided a loan, to complete to borrow
After money financing, this method also includes：
S301, receive user send wages information pending, wherein, wages information pending be wait for claimant wages worker and firewood
Money provides the corresponding relation of the amount of money；
After target loan is obtained, user just can send wages, tool by third-party platform to the worker for the wages that wait for claimant
Body, user adds wages information pending on third-party platform, wherein, wages information pending be wait for claimant wages worker and firewood
Money provides the corresponding relation of the amount of money.
S302, the personal Net silver interface progress wages granting according to wages information pending calling bank, so that work group card is
Wait for claimant wages worker provide wages.
After wages information pending is completed in addition, third-party platform can just call the individual of bank according to wages information pending
Net silver interface carries out wages granting.Single wages granting can be carried out to single worker, the batch hair of wages can also be carried out
Put, it is convenient and practical, meanwhile, third-party platform records to wages granting, to form the expenditure part of work group card.
Alternatively, with reference to figure 4, the target that the transmission of target bank is received in the work group clamping by user is provided a loan, to complete to borrow
After money financing, this method also includes：
S401, the refund information that user sends is obtained by work group card；
After target loan is obtained, user needs to be refunded according to the Loan Agreement signed in advance with target bank, uses
Family is refunded by work group card, because binding relationship be present between third-party platform and work group card, so, third-party platform
The refund information that user sends can be obtained by work group card.
S402, the prestige record according to refund information generation user.
Third-party platform is after the refund information of user is obtained, it becomes possible to which the prestige that user is generated according to refund information is remembered
Record, assessed with air control of the auxiliary mark bank to user.
Method provided in an embodiment of the present invention has the following advantages that：
(1) third-party platform is the bridge that two independent individuals of bank and class monitor and group leader construct reciprocal financial service, really
The interests of both sides have been protected, it is convenient and practical；
(2) blank of the organizational credit evaluation of this non-personal non-legal person enterprise of class monitor and group leader has been filled up, has been advantageous to build labor
The healthy benign development of business construction；
(3) finance costs of the class monitor and group leader by non-governmental loan mode are reduced, are advantageous to class monitor and group leader's enlarged reproduction, are promoted
Employment；
(4) formal financial institutions such as bank can be helped to serve this high net value crowd of class monitor and group leader, it is new so as to expand
User group, preferably serve real economy；
(5) be advantageous to the stable and united of society, promote the stabilization of society.
Embodiment two：
A kind of realization device of loan financing, applied to third-party platform, with reference to figure 5, the device includes：
Module 11 is established, for establishing the cooperative relationship with bank, wherein, cooperative relationship is melted for making bank offer a loan
The service of money；
First receiving module 12, for receiving Back ground Information and the demand for loan of user's transmission, and by Back ground Information and loan
Money demand is sent to target bank, so that target bank is commented demand for loan according to Back ground Information and the air control pattern of itself
Estimate, obtain assessment result, wherein, Back ground Information is used to carry out air control assessment, and target bank is bank corresponding to demand for loan；
Second receiving module 13, for when assessment result is the result by demand for loan, passing through the work group card of user
The target loan that target bank sends is received, to complete loan financing, wherein, work group card is special bank deposit card.
The present invention establishes the cooperative relationship with bank by third-party platform, and then, third-party platform receives user and sent
Back ground Information and demand for loan, and Back ground Information and demand for loan are sent to target bank, so that target bank is based on base
Plinth information and the air control pattern of itself are assessed demand for loan, when assessment is obtained by the demand for loan, pass through user
The clamping of work group receive the target loan that target bank sends, so as to complete loan financing.The realization dress of the loan financing of the present invention
Putting is realized based on third-party platform, bridge of the third-party platform between bank and user, visitor can be provided for bank
The data (i.e. Back ground Information) that family entrance (i.e. demand for loan) and part air control are assessed, meanwhile, provide the user the logical of loan
Road, compared to the mode of non-governmental loan, the loan cost of this method is low, and risk is small, and practicality is good, alleviates and existing passes through the people
Between the mode provided a loan provide a loan cost height, risk is big, the technical problem of poor practicability.
Alternatively, demand for loan comprises at least：The amount of the loan, payback period, mode of repayment.
Alternatively, the device also includes：
3rd receiving module, for receiving the login authentication request of user's transmission；
Judge module, for judging whether login authentication request meets default login authentication condition；
First determining module, meet default login authentication condition if logged on certification request, it is determined that login authentication passes through；
Second determining module, default login authentication condition is not met if logged on certification request, it is determined that login authentication is lost
Lose, and prompt user to log in again；
4th receiving module, advance handled for by rear, receive user's input in login authentication in target bank
The information of work group card and the essential information of user, to complete the binding with work group card and target bank.
Alternatively, the device also includes：
5th receiving module, for receiving the wages information pending of user's transmission, wherein, wages information pending is the firewood that waits for claimant
The worker of money provides the corresponding relation of the amount of money with wages；
Calling module, for being called the personal Net silver interface of bank to carry out wages granting according to wages information pending, so that
Work group card be wait for claimant wages worker provide wages.
Alternatively, the device also includes：
6th receiving module, for obtaining the refund information of user's transmission by work group card；
Generation module, the prestige for generating user according to refund information record.
Alternatively, Back ground Information comprises at least：The essential information of user, the revenue and expenditure record of work group card, the prestige note of user
Record, the guarantee material of user.
The implementation method for the loan financing that the embodiment of the present invention is provided and the computer program product of device, including storage
The computer-readable recording medium of program code, the instruction that described program code includes can be used for performing previous methods embodiments
Described in method, specific implementation can be found in embodiment of the method, will not be repeated here.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description
With the specific work process of device, the corresponding process in preceding method embodiment is may be referred to, will not be repeated here.
In addition, in the description of the embodiment of the present invention, unless otherwise clearly defined and limited, term " installation ", " phase
Even ", " connection " should be interpreted broadly, for example, it may be being fixedly connected or being detachably connected, or be integrally connected；Can
To be mechanical connection or electrical connection；Can be joined directly together, can also be indirectly connected by intermediary, Ke Yishi
The connection of two element internals.For the ordinary skill in the art, with concrete condition above-mentioned term can be understood at this
Concrete meaning in invention.
If the function is realized in the form of SFU software functional unit and is used as independent production marketing or in use, can be with
It is stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially in other words
The part to be contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter
Calculation machine software product is stored in a storage medium, including some instructions are causing a computer equipment (can be
People's computer, server, or network equipment etc.) perform all or part of step of each embodiment methods described of the present invention.
And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), arbitrary access are deposited
Reservoir (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.
In the description of the invention, it is necessary to explanation, term " " center ", " on ", " under ", "left", "right", " vertical ",
The orientation or position relationship of the instruction such as " level ", " interior ", " outer " be based on orientation shown in the drawings or position relationship, merely to
Be easy to the description present invention and simplify description, rather than instruction or imply signified device or element must have specific orientation,
With specific azimuth configuration and operation, therefore it is not considered as limiting the invention.In addition, term " first ", " second ",
" the 3rd " is only used for describing purpose, and it is not intended that instruction or hint relative importance.
Finally it should be noted that：Embodiment described above, it is only the embodiment of the present invention, to illustrate the present invention
Technical scheme, rather than its limitations, protection scope of the present invention is not limited thereto, although with reference to the foregoing embodiments to this hair
It is bright to be described in detail, it will be understood by those within the art that：Any one skilled in the art
The invention discloses technical scope in, it can still modify to the technical scheme described in previous embodiment or can be light
Change is readily conceivable that, or equivalent substitution is carried out to which part technical characteristic；And these modifications, change or replacement, do not make
The essence of appropriate technical solution departs from the spirit and scope of technical scheme of the embodiment of the present invention, should all cover the protection in the present invention
Within the scope of.Therefore, protection scope of the present invention described should be defined by scope of the claims.
Claims (10)
1. a kind of implementation method of loan financing, it is characterised in that applied to third-party platform, methods described includes：
The cooperative relationship with bank is established, wherein, the cooperative relationship is used for the service for making the bank offer a loan financing；
Back ground Information and the demand for loan that user sends are received, and the Back ground Information and the demand for loan are sent to target
Bank, so that the target bank is assessed the demand for loan according to the Back ground Information and the air control pattern of itself,
Assessment result is obtained, wherein, the Back ground Information is used to carry out air control assessment, and the target bank is corresponding for the demand for loan
Bank；
When the assessment result is the result by the demand for loan, the target is received by the work group clamping of the user
The target loan that bank sends, to complete the loan financing, wherein, the work group card is special bank deposit card.
2. according to the method for claim 1, it is characterised in that the demand for loan comprises at least：The amount of the loan, repayment period
Limit, mode of repayment.
3. according to the method for claim 1, it is characterised in that after the cooperative relationship with target bank is established, connecing
Before Back ground Information and the demand for loan of receiving user's transmission, methods described also includes：
Receive the login authentication request that the user sends；
Judge whether the login authentication request meets default login authentication condition；
If the login authentication request meets the default login authentication condition, it is determined that login authentication passes through；
If the login authentication request does not meet the default login authentication condition, it is determined that login authentication fails, and prompts
The user logs in again；
In login authentication by rear, receive the advance work group card handled in the target bank of user's input information and
The essential information of the user, to complete the binding with the work group card and the target bank.
4. according to the method for claim 1, it is characterised in that receive the target silver in the work group clamping by the user
The target loan that row is sent, after completing the loan financing, methods described also includes：
Receive the wages information pending that the user sends, wherein, the wages information pending be wait for claimant wages worker and firewood
Money provides the corresponding relation of the amount of money；
The personal Net silver interface for calling bank according to the wages information pending carries out wages granting, so that the work group card is institute
The worker for stating the wages that wait for claimant provides wages.
5. according to the method for claim 1, it is characterised in that receive the target silver in the work group clamping by the user
The target loan that row is sent, after completing the loan financing, methods described also includes：
The refund information of user's transmission is obtained by the work group card；
The prestige that the user is generated according to the refund information records.
6. according to the method for claim 1, it is characterised in that the Back ground Information comprises at least：The user's is basic
Information, the revenue and expenditure record of the work group card, the prestige record of the user, the guarantee material of the user.
7. a kind of realization device of loan financing, it is characterised in that applied to third-party platform, described device includes：
Module is established, for establishing the cooperative relationship with bank, wherein, the cooperative relationship is used to make the bank offer a loan
The service of financing；
First receiving module, for receiving Back ground Information and the demand for loan of user's transmission, and by the Back ground Information and described
Demand for loan is sent to target bank so that the target bank according to the Back ground Information and the air control pattern of itself to described
Demand for loan is assessed, and obtains assessment result, wherein, the Back ground Information is used to carry out air control assessment, the target bank
For bank corresponding to the demand for loan；
Second receiving module, for when the assessment result is the result by the demand for loan, passing through the user's
The target loan that the target bank sends is received in the clamping of work group, to complete the loan financing, wherein, the work group card is special
Bank deposit card.
8. device according to claim 7, it is characterised in that the demand for loan comprises at least：The amount of the loan, repayment period
Limit, mode of repayment.
9. device according to claim 7, it is characterised in that described device also includes：
3rd receiving module, the login authentication request sent for receiving the user；
Judge module, for judging whether the login authentication request meets default login authentication condition；
First determining module, if login authentication request meets the default login authentication condition, it is determined that login authentication
Pass through；
Second determining module, if login authentication request does not meet the default login authentication condition, it is determined that login is recognized
Card failure, and prompt the user to log in again；
4th receiving module, for by rear, receiving advance being done in the target bank of user's input in login authentication
The information of work group card and the essential information of the user of reason, to complete the binding with the work group card and the target bank.
10. device according to claim 7, it is characterised in that described device also includes：
5th receiving module, the wages information pending sent for receiving the user, wherein, the wages information pending is to treat
The worker of wages is led to provide the corresponding relation of the amount of money with wages；
Calling module, for being called the personal Net silver interface of bank to carry out wages granting according to the wages information pending, so that
The work group card provides wages for the worker of the wages that wait for claimant.
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| CN201710982847.8A CN107767261A (en) | 2017-10-19 | 2017-10-19 | The implementation method and device of loan financing |
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| CN201710982847.8A CN107767261A (en) | 2017-10-19 | 2017-10-19 | The implementation method and device of loan financing |
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| CN111383098A (en) * | 2020-03-25 | 2020-07-07 | 中国建设银行股份有限公司 | Resource distribution method and device |
| CN112348517A (en) * | 2020-09-25 | 2021-02-09 | 北京淇瑀信息科技有限公司 | Financial account association method and device and electronic equipment |
| CN112990707A (en) * | 2021-03-12 | 2021-06-18 | 深圳工盟科技有限公司 | Construction risk assessment method, device, equipment and storage medium |
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