CN110197427A - Method and system are borrowed or lent money on a kind of line - Google Patents
Method and system are borrowed or lent money on a kind of line Download PDFInfo
- Publication number
- CN110197427A CN110197427A CN201910358339.1A CN201910358339A CN110197427A CN 110197427 A CN110197427 A CN 110197427A CN 201910358339 A CN201910358339 A CN 201910358339A CN 110197427 A CN110197427 A CN 110197427A
- Authority
- CN
- China
- Prior art keywords
- credit
- employee
- money
- air control
- conclusion
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses method and system are borrowed or lent money on a kind of line, method is borrowed or lent money on the line and includes at least following steps: receiving the loan application that employee proposes；Whether audit employee meets credit condition；If meeting, air control model is called to obtain the examination & approval conclusion of the employee, carries out credit；Contract on line, signing is made loans after completing to employee；It collects money automatically in pay day.Method and system are borrowed or lent money on the line when handling employee's loan item, employee has been comprehensively considered in the working condition of company and personal reference situation, the credit methods on big data analysis basis are sufficiently built on for one kind, and repayment date is pay day, it is basic not have to there is a problem of that refund is overdue, further reduce the risk borrowed or lent money on line.
Description
Technical field
The present invention relates to debt-credit field, in particular to method and system are borrowed or lent money on a kind of line.
Background technique
Currently, many financing corporations are proposed the loan on personal security product for borrowing money to the formal employee of high-quality enterprise,
Such as " employee's loan ", carry out wholesale consumption (house-purchase, purchase vehicle) for the special high-quality personal user of solution or face wholesale to lack of capital
Problem.In practical operation, formal employee of the financing corporation towards cooperative enterprise carries out lending and borrowing business.However, financing corporation
The enterprise staff situation that can be obtained has certain limitation, air control grade be not it is very accurate, can not according to employee from
The variation of figure part is adjusted flexibly.
Certainly, the enterprise also having can release loan product on the similar line for enterprises employee, likewise, needing
Preset the employee's condition that can apply for debt-credit, risk assessment, determine loan limit, Annual Percentage Rate, mode of repayment, repayment date etc..Generally
Enterprises loan product, which passes through under line, manually makes loans, and by manually carrying out risk assessment, therefore the risk evaluated under line
It is not very accurate.
In addition, loan product on existing enterprises line, refund purpose determines usually regulation: the last pay day is
Repayment date；If loan is made loans, day was discontented with for 15 consecutive days apart from borrower's loaning bill of that month be directed to pay day specified by borrower,
Then first phase repayment date is pay day next month；If loan is made loans, day borrows money of that month for hair specified by borrower apart from borrower
Firewood day is more than 15 consecutive days (containing), then first phase repayment date is of that month pay day；Final Issue repayment date is the practical Expiration Date,
Day make loans to day.Based on this, loan product on the enterprises line under the mode can have the phenomenon that overdue refund, therefore,
Need to be arranged following overdue refund interest rate, and overdue refund interest rate is arranged according to the overdue time limit in staged, therefore enterprise's gathering is deposited
In certain risk.
Summary of the invention
In order to solve the above technical problems, passing through big data point the present invention provides method and system are borrowed or lent money on a kind of line
Employee's credit in enterprise is analysed, it is accurate, quick, efficient to determine whether the contents such as loan and the amount of the loan, loan interest rate.
To achieve the above object, the application proposes following first technical solution:
Method is borrowed or lent money on a kind of employee's line, debt-credit method includes at least following steps on employee's line:
Receive the loan application that employee proposes；
Audit whether the employee meets credit condition；
If meeting, air control model is called to obtain the examination & approval conclusion of the employee, carries out credit；
Contract on line, signing is made loans after completing to the employee；
It collects money automatically in pay day.
In some embodiments, further include following steps before the loan application that the reception employee proposes:
According to white list rule, white list is preset；
Employee into white list pushes debt-credit publicity；
Employee's registration；
Pre- credit is carried out to the employee in white list, obtains pre- credit conclusion, the pre- credit conclusion includes at least pre-granted
Believe the amount of money, pre- credit time limit, pre- credit interest rate and pre- credit mode of repayment.
In some embodiments, described to call air control model to obtain the examination & approval conclusion of the employee, credit is carried out, at least
Including following sub-step:
Perfect instrument, personal reference, payroll and position level at least based on the employee, carry out air control first trial,
Obtain air control first trial result；
In conjunction with the air control first trial result, employee information, air control model is called, calculates air control model score；
According to the air control model score, corresponding risk class is matched；
According to the risk class, obtain examination & approval conclusion, the examination & approval conclusion include at least the credit amount of money, the credit time limit,
Credit interest rate and credit mode of repayment.
In some embodiments, described to call air control model to obtain the examination & approval conclusion of the employee, at least further include as
Lower sub-step:
After obtaining the credit amount of money, the size of the credit amount of money is judged, if the credit amount of money is more than the default credit amount of money,
Then enter air control last instance, carry out manual examination and verification, provides final examination & approval conclusion；If the credit amount of money is no more than preset cost,
Directly it regard examination & approval conclusion as final examination & approval conclusion.
In some embodiments, the carry out manual examination and verification include at least following sub-step:
Examination & approval conclusion and pre- credit conclusion described in comprehensive analysis, manually identifying finally examine conclusion, the final examination & approval knot
By including at least the final credit amount of money and final credit mode of repayment.
To achieve the above object, the application also proposes following second technical solution:
Balance system on a kind of line, the system include at least:
Receiving module: for receiving the loan application of employee's proposition；
Auditing module: for auditing whether the employee meets credit condition；
Credit module: obtaining the examination & approval conclusion of the employee for calling air control model, carries out credit；；
Signing module: it contracts on line for carrying out；
Make loans module: for contract complete after make loans to the employee.
In some embodiments, the system also includes:
White list presetting module: for presetting white list according to white list rule；
Pushing module: debt-credit publicity is pushed for the employee into white list；
Registration module: it is registered for employee；
Pre- credit module: for carrying out pre- credit to the employee in white list, pre- credit conclusion, the pre- credit knot are obtained
By including at least the pre- credit amount of money, pre- credit time limit, pre- credit interest rate and pre- credit mode of repayment.
In some embodiments, the credit module includes at least following submodule:
Air control first trial submodule: for perfect instrument, personal reference, payroll and the post at least based on the employee
Rank carries out air control first trial, obtains air control first trial result；
Air control submodule: for calling air control model in conjunction with the air control first trial result, employee information, air control mould is calculated
Type score；
Risk class evaluates submodule: for evaluating corresponding risk class according to the air control model score；
Examine submodule: for showing that examination & approval conclusion, the examination & approval conclusion include at least credit according to the risk class
The amount of money, credit time limit, credit interest rate and credit mode of repayment；
In some embodiments, the credit module further includes following submodule:
Judging submodule: for judging whether the credit amount of money is more than preset cost；
Manual auditing submodule: when the credit amount of money is more than the default credit amount of money, then manual examination and verification are carried out.
In some embodiments, the manual auditing submodule includes at least such as lower unit:
Analytical unit: for examination & approval conclusion and pre- credit conclusion described in comprehensive analysis；
Manual adaptation unit: conclusion is finally examined for manually identifying, the final examination & approval conclusion is included at least and finally awarded
Believe the amount of money and final credit mode of repayment.
The beneficial effect of the present invention compared to existing technologies is:
The embodiment of the present invention provides a kind of debt-credit method, and this method has comprehensively considered member when handling employee's loan item
Work sufficiently builds on the credit side on big data analysis basis in the working condition and personal reference situation of company for one kind
Method, and repayment date is pay day, it is basic not have to there is a problem of that refund is overdue, further reduce the risk borrowed or lent money on line.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other
Attached drawing.
Fig. 1 is the flow chart that method is borrowed or lent money on line in the embodiment of the present invention one；
Fig. 2 is the registration process schematic diagram in the embodiment of the present invention one；
Fig. 3 is the pre- credit homepage schematic diagram of one kind of the embodiment of the present invention；
Fig. 4 is the credit process schematic in the embodiment of the present invention one；
Fig. 5 is the structure chart of balance system on line in the embodiment of the present invention two.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with attached in the embodiment of the present invention
Figure, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is only this
Invention a part of the embodiment, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art exist
Every other embodiment obtained under the premise of creative work is not made, shall fall within the protection scope of the present invention.
Embodiment one
Fig. 1 is the flow chart that method is borrowed or lent money on a kind of line provided in this embodiment, and debt-credit method can be used for this enterprise on the line
The debt-credit item of employee in the industry can be used for the debt-credit item of cooperative enterprise employee.Method is borrowed or lent money on line in the present embodiment,
Its application, audit and credit process, complete on line, pass through big data analysis, the loan detail of accurate judgement employee.
Method is borrowed or lent money on the line to be realized based on individual application program, can also be answered based on existing chat classes such as wechats
It is realized with program.For ease of description, it is based on having for wechat borrow or lend money on line to company where it by employee A below
Body description.
Method is borrowed or lent money on the line includes at least following steps:
S1, the loan application that employee A is proposed is received.
Referring to shown in Fig. 2, employee A focuses first on the wechat public platform (as " starlight is small before proposing loan application
Borrow "), it selects corresponding loan product (such as " employee's loan ") to enter Products, clicks " I will apply " after understanding product, carry out
Online registration is to bind wechat.It is subsequent that loan message, and application loan can be received by wechat end by binding wechat.
If employee A is also unregistered, registered.In registration process, filling registration information is bound related after the completion of filling in
Bank card and payment cipher is set, for the later period refund payment.
For employee A after the completion of registration and before proposing loan application, whether system needs to prejudge the employee A can be with
Application loan, when judge that the employee A can apply providing a loan, the pre- credit of further progress, that is, prejudge loan limit and day is sharp
Rate allows employee A to understand the loan equity that oneself may be obtained in advance, specifically, including following sub-step:
S01, default white list regular according to white list；
S02, the employee A push debt-credit publicity into white list；
S03, employee A registration；
S04, pre- credit is carried out to the employee A in white list, obtains pre- credit conclusion, pre- credit conclusion includes at least pre-granted
Believe the amount of money, pre- credit time limit, pre- credit interest rate and pre- credit mode of repayment.
Wherein, white list rule are as follows: salary level, position level or registration time limit etc. are not less than to the employee of pre-set level
It is included in white list, white list is a data set, the personnel in the data set, can apply providing a loan to company, without white at this
List cannot then be applied providing a loan to interior employee.
Pre-set level can voluntarily be determined according to company's situation, (close from salary level as a kind of preferable embodiment
1 year real to pay out wages), position level, it is whether on-job, whether become a full member, the registration time limit, whether had releasing labour contract record, achievement
Imitate rank, the moon minimum accrediting amount, whether be designated person, whether be multiple index angle initialization lowest bids such as sensitive client
Standard in the case that whole indexs meet the requirements, can just be included in white list.
As another preferable embodiment, based on salary level (nearly 1 year real pay out wages), position level, whether
Duty, whether become a full member, the registration time limit, whether had releasing labour contract record, performance rank, the moon minimum accrediting amount, whether be
Whether designated person is multiple indexs such as sensitive client, and by the way that weighted value is arranged, white list access score value is arranged in calculating score,
Reach the score value, can just be included in white list.
Therefore, company needs to predefine white list, and white list access model, employee can be established according to any of the above-described mode
After the registration is finished, system determines the employee A whether in white list, if entering by running white list access model to A
Next step, if not existing, not access.
If employee A has been registered, and determination belongs to employee in white list, if currently needing to carry out credit, directly jumps
Credit homepage jumps directly to pre- credit homepage if not needing credit currently.
In fact, employee A is once register, system carries out pre- credit to it automatically, as shown in figure 3, in the pre- credit page, member
Work A would know that the pre- accrediting amount, pre- credit time limit (term of validity of the pre- credit), loan process, application condition and material, can
To carry out refund tentative calculation (refund tentative calculation button), and propose loan application (application button).
Certainly, the pre-granted letter information in pre- credit is only used as the reference of employee and company, is not intended as final credit letter
Breath.Within the pre- credit time limit effectively, within this time limit, employee can check my pre-granted letter information to pre-granted letter information at any time,
More than the time limit, system will re-start pre- credit to the employee automatically.By pre- credit, every employee can check it at any time
The loan limit and loan interest rate that can probably apply have these pre-analysis data conducts when employee faces financing gap
With reference to and weighed, facilitate its make whether to company provide a loan decision.
As shown in figure 4, signing the reference power of attorney after employee A proposes loan application, formally proposing authorized application.
Whether S2, audit employee meet credit condition.
Generally, after the loan application for receiving employee A, four factor authentication of communications and liaison is carried out first, comprising: the use of employee A
The certification of family account, user name, passport NO., phone number.After through above-mentioned certification, which can regard as meeting awarding
Creed part.
If S3, meeting, air control model is called to obtain the examination & approval conclusion of employee A, carries out credit, which at least wraps
It includes:
S31, the perfect instrument at least based on the employee A, personal reference, payroll and position level, at the beginning of carrying out air control
It examines, obtains air control first trial result.As a kind of preferable embodiment, same shield can be called instead to cheat and bull debt-credit data service
Carry out air control first trial.
It is of course also possible to using the other information of employee A as reference factor, and other Credit Evaluation Models are called, this
Place repeats no more.
S32, in conjunction with air control first trial result, the employee information of employee A, call air control model, calculate air control model score.
In the present embodiment, employee information is included at least: the business information of employee, employee's essential information, history credit information
Deng.Employee's essential information includes at least: salary level (nearly 1 year real pay out wages), position level, it is whether on-job, whether become a full member,
Registration time limit etc..
As a kind of preferable embodiment, air control model score is including at least two types: simplified version reference air control model,
Detailed version reference air control model score.Detailed version reference and simplified version reference are all an examination & approval foundations, are influenced on amount little.Detailed version sign
Letter can more show history reference information, and simplified version reference can only see current reference information.
Air control model, that is, risk control model in the present embodiment can calculate highest for carrying out risk control to business
Be able to bear which type of high risk client, at the same this how these asset securitizations and spaced point risk to the investment bank to oneself
It is best.Powerful high frequency transaction and the faster trading channel of sequencing transaction-based requirements and more efficient Policy model；
On the other hand, the risk that fast transaction causes investment to face exponentially increases, so that market and investor need more fully
Strategy combination and more accurately air control model carry out venture countermeasure.Air control model is a kind of quantity risk model of height quantization,
Its in the industry cycle in practical application can operation it is relatively rapid, real-time risk profile and monitoring can be carried out to various financial products.
S33, according to air control model score, match corresponding risk class.
Wherein, risk class is divided into low-risk, average risk, medium risk, material risk and special material risk, is each
The matched air control model score threshold value of risk class, can in the light of actual conditions be set, be not construed as limiting herein.
S34, according to risk class, show that examination & approval conclusion, examination & approval conclusion include at least the credit amount of money, credit time limit, credit
Interest rate and credit mode of repayment.Certainly, loan also needs to repay corresponding service charge, and formality is arranged according to the length of maturity.
In addition, during above-mentioned air control first trial, it is also necessary to carry out: the integrality and accuracy of audit KA submission information are examined
It the authenticity of core employee information and is mended in system and fills out the finance and collage-credit data of client.
S35, after obtaining the credit amount of money, judge the size of the credit amount of money, if the credit amount of money is more than the default credit amount of money, into
Enter air control last instance, carry out manual examination and verification, provides final examination & approval conclusion；If the credit amount of money is no more than preset cost, will directly examine
Conclusion is criticized as final examination & approval conclusion.
General enterprise, debt-credit number are 3000~500000 RMB, and number span is larger, therefore default award need to be arranged
The letter amount of money is to determine that the loan amount separation needed by manual examination and verification, i.e. the large loan amount of money and the petty load amount of money are distinguished
Point, the default credit amount of money can be manually set according to conditions of the enterprise.
When carrying out manual examination and verification, following sub-step is included at least:
The above-mentioned examination & approval conclusion of comprehensive analysis and pre- credit conclusion, manually identifying finally examine conclusion, complete credit, finally
It examines conclusion and includes at least the final credit amount of money and final credit mode of repayment.
In addition, during above-mentioned air control last instance, it is also necessary to carry out: review KA submits the integrality of information with accuracy, again
The finance filled out and collage-credit data are mended in the authenticity of core client's material, review first trial hilllock, to improve the reliability of data.
S4, contract on line, release whole amounts of the loan to employee A after signing completion.Generally, Finance Department can be passed through
Money is beaten to employee A to complete.
S5, it collects money automatically in pay day.
This case per diem bears interest, and interest calculates accurate.However the repayment date in this programme is pay day, as long as therefore employee
A is normally to go to work, and company normally pays out wages, then basic not have to there is a problem of that refund is overdue, further reduces and borrows or lends money on line
Risk.
This method needs to submit personal reference in progress air control in the first instance, and entire borrowing process is repeatedly believed with reference to employee
Breath, therefore, this method have comprehensively considered employee in the personal reference situation and working condition of company, have been one when obtaining loan
Kind sufficiently builds on the credit methods on big data analysis basis, is not necessarily to mortgage, confidence level and safety with higher
Property.
Embodiment two
Method is borrowed or lent money on a kind of line to execute above-described embodiment one, the present embodiment provides balance systems on a kind of line.Fig. 5
For the structural schematic diagram of balance system 100 on a kind of line provided by Embodiment 2 of the present invention, it is real which is based on employee's wechat
Existing, employee passes through wechat.As shown in figure 5, balance system 100 includes at least on the line:
Receiving module 1: the loan application proposed for receiving employee by wechat；
Auditing module 2: for auditing whether the employee meets credit condition；
Credit module 3: obtaining the examination & approval conclusion of the employee for calling air control model, carries out credit；
Signing module 4: it contracts on line for carrying out；
Module of making loans 5: for making loans after completion of contracting to employee.
Further, balance system 100 on the line further include:
White list presetting module 6: for presetting white list according to white list rule；
Pushing module 7: debt-credit publicity is pushed for the employee into white list；
Registration module 8: it is registered for employee；
Pre- credit module 9: for carrying out pre- credit to the employee in white list, pre- credit conclusion, the pre- credit are obtained
Conclusion includes at least the pre- credit amount of money, pre- credit time limit, pre- credit interest rate and pre- credit mode of repayment.
Wherein, credit module 3 includes at least following submodule:
Air control first trial submodule 31: for perfect instrument, personal reference, payroll and the hilllock at least based on the employee
Position rank, carries out air control first trial, obtains air control first trial result；
Air control submodule 32: for calling air control model in conjunction with the air control first trial result, employee information, air control is calculated
Model score；
Risk class evaluates submodule 33: for evaluating corresponding risk class according to the air control model score；
Examine submodule 34: for showing that examination & approval conclusion, the examination & approval conclusion are included at least and awarded according to the risk class
Believe the amount of money, credit time limit, credit interest rate and credit mode of repayment；
Judging submodule 35: for judging whether the credit amount of money is more than preset cost；
Manual auditing submodule 36: when the credit amount of money is more than the default credit amount of money, then manual examination and verification are carried out.
Wherein, manual auditing submodule 36 includes at least such as lower unit:
Analytical unit 361: for the examination & approval conclusion and pre- credit conclusion to be compared；
Manual adaptation unit 362: conclusion is finally examined for manually identifying, the final examination & approval conclusion includes at least final
The credit amount of money and final credit mode of repayment.
It should be noted that balance system on a kind of line provided in this embodiment, is borrowed on a kind of line above-mentioned for executing
Credit side's method, therefore the system embodiment and embodiment of the method belong to same design, specific implementation process is detailed in embodiment of the method,
Which is not described herein again.
In addition, balance system is when executing debt-credit method on a kind of line provided by the above embodiment, only with above-mentioned function mould
The division of block carries out for example, in practical applications, can according to need above-mentioned function distribution by different functional modules
It completes, i.e., the internal structure of balance system is divided into different functional modules, it is described above all or part of to complete
Function.
Note that the above is only a better embodiment of the present invention and the applied technical principle.It will be appreciated by those skilled in the art that
The invention is not limited to the specific embodiments described herein, be able to carry out for a person skilled in the art it is various it is apparent variation,
It readjusts and substitutes without departing from protection scope of the present invention.Therefore, although being carried out by above embodiments to the present invention
It is described in further detail, but the present invention is not limited to the above embodiments only, without departing from the inventive concept, also
It may include more other equivalent embodiments, and the scope of the invention is determined by the scope of the appended claims.
Claims (10)
1. borrowing or lending money method on a kind of line, which is characterized in that method of borrowing or lending money on the line includes at least following steps:
Receive the loan application that employee proposes；
Audit whether the employee meets credit condition；
If meeting, air control model is called to obtain the examination & approval conclusion of the employee, carries out credit；
Contract on line, signing is made loans after completing to the employee；
It collects money automatically in pay day.
2. borrowing or lending money method on a kind of line according to claim 1, which is characterized in that in the loan that the reception employee proposes
Further include following steps before application:
According to white list rule, white list is preset；
Employee into white list pushes debt-credit publicity；
Employee's registration；
Pre- credit is carried out to the employee in white list, obtains pre- credit conclusion, the pre- credit conclusion includes at least pre- credit gold
Volume, pre- credit time limit, pre- credit interest rate and pre- credit mode of repayment.
3. borrowing or lending money method on a kind of line according to claim 1 or 2, which is characterized in that the calling air control model is to obtain
The examination & approval conclusion of the employee is obtained, credit is carried out, includes at least following sub-step:
Perfect instrument, personal reference, payroll and position level at least based on the employee, carry out air control first trial, obtain
Air control first trial result；
In conjunction with the air control first trial result, employee information, air control model is called, calculates air control model score；
According to the air control model score, corresponding risk class is matched；
According to the risk class, show that examination & approval conclusion, the examination & approval conclusion include at least the credit amount of money, credit time limit, credit
Interest rate and credit mode of repayment.
4. borrowing or lending money method on a kind of line according to claim 3, which is characterized in that the calling air control model is to obtain
The examination & approval conclusion for stating employee, at least further includes following sub-step:
After obtaining the credit amount of money, the size of the credit amount of money is judged, if the credit amount of money is more than the default credit amount of money, into
Enter air control last instance, carry out manual examination and verification, provides final examination & approval conclusion；If the credit amount of money is no more than preset cost, directly
It regard examination & approval conclusion as final examination & approval conclusion.
5. borrowing or lending money method on a kind of line according to claim 4, which is characterized in that the carry out manual examination and verification are at least wrapped
Include following sub-step:
Examination & approval conclusion and pre- credit conclusion, manually identifying described in comprehensive analysis finally examine conclusion, and the final examination & approval conclusion is extremely
It less include the final credit amount of money and final credit mode of repayment.
6. balance system on a kind of line, which is characterized in that the system includes at least:
Receiving module: for receiving the loan application of employee's proposition；
Auditing module: for auditing whether the employee meets credit condition；
Credit module: obtaining the examination & approval conclusion of the employee for calling air control model, carries out credit；；
Signing module: it contracts on line for carrying out；
Make loans module: for contract complete after make loans to the employee.
7. balance system on a kind of line according to claim 6, which is characterized in that the system also includes:
White list presetting module: for presetting white list according to white list rule；
Pushing module: debt-credit publicity is pushed for the employee into white list；
Registration module: it is registered for employee；
Pre- credit module: for carrying out pre- credit to the employee in white list, pre- credit conclusion is obtained, the pre- credit conclusion is extremely
It less include the pre- credit amount of money, pre- credit time limit, pre- credit interest rate and pre- credit mode of repayment.
8. balance system on a kind of line according to claim 6 or 7, which is characterized in that the credit module includes at least
Following submodule:
Air control first trial submodule: for perfect instrument, personal reference, payroll and the post grade at least based on the employee
Not, air control first trial is carried out, air control first trial result is obtained；
Air control submodule: it for calling air control model in conjunction with the air control first trial result, employee information, calculates air control model and obtains
Point；
Risk class evaluates submodule: for evaluating corresponding risk class according to the air control model score；
Examine submodule: for showing that examination & approval conclusion, the examination & approval conclusion include at least credit gold according to the risk class
Volume, credit time limit, credit interest rate and credit mode of repayment.
9. balance system on a kind of line according to claim 8, which is characterized in that the credit module further includes following son
Module:
Judging submodule: for judging whether the credit amount of money is more than preset cost；
Manual auditing submodule: when the credit amount of money is more than the default credit amount of money, then manual examination and verification are carried out.
10. balance system on a kind of line according to claim 9, which is characterized in that the manual auditing submodule is at least
Including such as lower unit:
Analytical unit: for examination & approval conclusion and pre- credit conclusion described in comprehensive analysis；
Manual adaptation unit: conclusion is finally examined for manually identifying, the final examination & approval conclusion includes at least final credit gold
Volume and final credit mode of repayment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910358339.1A CN110197427A (en) | 2019-04-29 | 2019-04-29 | Method and system are borrowed or lent money on a kind of line |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910358339.1A CN110197427A (en) | 2019-04-29 | 2019-04-29 | Method and system are borrowed or lent money on a kind of line |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110197427A true CN110197427A (en) | 2019-09-03 |
Family
ID=67752271
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910358339.1A Pending CN110197427A (en) | 2019-04-29 | 2019-04-29 | Method and system are borrowed or lent money on a kind of line |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110197427A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| CN111461857A (en) * | 2020-03-03 | 2020-07-28 | 福建省农村信用社联合社 | Personal online credit method, device, system, equipment and medium for small and medium-sized banks |
| CN112070480A (en) * | 2020-09-08 | 2020-12-11 | 深圳市友邻科技服务有限公司 | Labor pledge method, device and terminal based on employees and enterprises |
| CN112184418A (en) * | 2020-09-25 | 2021-01-05 | 中国建设银行股份有限公司 | Inter-company loan processing method, inter-company loan processing device, computer equipment and storage medium |
| CN113807953A (en) * | 2021-09-24 | 2021-12-17 | 重庆富民银行股份有限公司 | Wind control management method and system based on telephone return visit |
| CN115082206A (en) * | 2022-06-25 | 2022-09-20 | 平安银行股份有限公司 | Data processing method and device, electronic equipment and storage medium |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102044025A (en) * | 2011-01-27 | 2011-05-04 | 北京世纪互联工程技术服务有限公司 | Employee service platform based on network reimbursement |
| CN102346904A (en) * | 2010-07-30 | 2012-02-08 | 李嘉辉 | Borrowing and lending method and system |
| CN106651570A (en) * | 2016-12-27 | 2017-05-10 | 中国建设银行股份有限公司 | System and method for real-time loan approval |
| CN108335189A (en) * | 2017-09-19 | 2018-07-27 | 平安普惠企业管理有限公司 | Loan processing method, server and readable storage medium storing program for executing on line |
| CN108537512A (en) * | 2018-04-16 | 2018-09-14 | 通联支付网络服务股份有限公司山东分公司 | Employee welfare card system and employee compensation's payroll management method |
| CN108876598A (en) * | 2018-06-26 | 2018-11-23 | 上海荣璟投资咨询有限公司 | A kind of loan supermarket system |
| CN109584048A (en) * | 2018-11-30 | 2019-04-05 | 上海点融信息科技有限责任公司 | The method and apparatus that risk rating is carried out to applicant based on artificial intelligence |
-
2019
- 2019-04-29 CN CN201910358339.1A patent/CN110197427A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102346904A (en) * | 2010-07-30 | 2012-02-08 | 李嘉辉 | Borrowing and lending method and system |
| CN102044025A (en) * | 2011-01-27 | 2011-05-04 | 北京世纪互联工程技术服务有限公司 | Employee service platform based on network reimbursement |
| CN106651570A (en) * | 2016-12-27 | 2017-05-10 | 中国建设银行股份有限公司 | System and method for real-time loan approval |
| CN108335189A (en) * | 2017-09-19 | 2018-07-27 | 平安普惠企业管理有限公司 | Loan processing method, server and readable storage medium storing program for executing on line |
| CN108537512A (en) * | 2018-04-16 | 2018-09-14 | 通联支付网络服务股份有限公司山东分公司 | Employee welfare card system and employee compensation's payroll management method |
| CN108876598A (en) * | 2018-06-26 | 2018-11-23 | 上海荣璟投资咨询有限公司 | A kind of loan supermarket system |
| CN109584048A (en) * | 2018-11-30 | 2019-04-05 | 上海点融信息科技有限责任公司 | The method and apparatus that risk rating is carried out to applicant based on artificial intelligence |
Non-Patent Citations (1)
| Title |
|---|
| 宋绍龄: "《以人为本-外商投资企业人力资源管理实务》", 31 December 2002, 中国劳动社会保障出版社 * |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| CN111461857A (en) * | 2020-03-03 | 2020-07-28 | 福建省农村信用社联合社 | Personal online credit method, device, system, equipment and medium for small and medium-sized banks |
| CN112070480A (en) * | 2020-09-08 | 2020-12-11 | 深圳市友邻科技服务有限公司 | Labor pledge method, device and terminal based on employees and enterprises |
| CN112184418A (en) * | 2020-09-25 | 2021-01-05 | 中国建设银行股份有限公司 | Inter-company loan processing method, inter-company loan processing device, computer equipment and storage medium |
| CN113807953A (en) * | 2021-09-24 | 2021-12-17 | 重庆富民银行股份有限公司 | Wind control management method and system based on telephone return visit |
| CN113807953B (en) * | 2021-09-24 | 2023-11-03 | 重庆富民银行股份有限公司 | Wind control management method and system based on telephone return visit |
| CN115082206A (en) * | 2022-06-25 | 2022-09-20 | 平安银行股份有限公司 | Data processing method and device, electronic equipment and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110197427A (en) | Method and system are borrowed or lent money on a kind of line | |
| Altavilla et al. | Banking supervision, monetary policy and risk-taking: big data evidence from 15 credit registers | |
| Blum et al. | The absolute priority doctrine in corporate reorganizations | |
| CN107871281A (en) | The debt-credit match system and method for air control are realized based on network platform circle of friends credit | |
| US20040098329A1 (en) | Method of securitizing a portfolio of at least 30% distressed commercial loans | |
| Wandera et al. | Effects of credit information sharing on nonperforming loans: The case of Kenya Commercial Bank Kenya | |
| Goldie et al. | Do mutual fund investors care about auditor quality? | |
| Khan | Role of the Auditor in an Islamic Economy | |
| Kane | Dynamic inconsistency of capital forbearance: Long-run vs. short-run effects of too-big-to-fail policymaking | |
| Hess et al. | Fraud risk brainstorming at tesla motors | |
| Thompson | Political connections and the SEC confidential treatment process | |
| Paseková et al. | Towards financial sustainability of companies: issues related to reporting errors | |
| CN113674075A (en) | Method for credit rating of enterprise debt financing tool | |
| Cranston | Credit, Security and Debt Recovery: Law's Role in Reform in Asia and the Pacific | |
| Kamran et al. | Risk premium and its effect on bank’s non-performing loans | |
| Chalkiadis | Non-Performing Loans management in the European Banking sector | |
| US20200065897A1 (en) | Financial instrument pricing | |
| Hortacsu et al. | Vignettes to identify the ethical domain of an emerging country's banking sector: the experience of Turkey | |
| Gautam | Competitive Conditions in Nepalese Commercial Banks | |
| du Plessis et al. | Legal requirements for the proper appraisal of companies: A substantive civil-procedural concept | |
| Ongklang | The effect of corporate governance on cost of capital: An empirical investigation of listed companies on the stock exchange of Thailand | |
| Masolo et al. | Digital credit and financial performance of selected commercial banks in Kenya | |
| Miglionico | THE CREDIT RATING INDUSTRY | |
| Azzahra et al. | Legal Protection of Consumers in Case of Bad Credit: Consumer and Banking Law Perspective | |
| Abdurasulovna et al. | Innovative approaches to the organization of tax control in the republic of Uzbekistan |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190903 |