CN111210195A - Online house mortgage loan system based on government affair big data - Google Patents
Online house mortgage loan system based on government affair big data Download PDFInfo
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Abstract
The invention discloses an online real-estate mortgage system based on government affair big data, in particular to the technical field of the loan system, which comprises a real-time evaluation module, a data factory module, a model calculation module, a risk management module, an application credit module, an online mortgage module, an online money usage module and an online repayment module; the data factory module is connected with the real-time evaluation module, the application credit granting module and the model calculation module, and the real-time evaluation module is connected with the application credit granting module and the data factory module. The method has the advantages of fast evaluation speed, fast and accurate evaluation of house price, matching of loan amount, improvement of customer conversion rate, communication of a real estate center system, realization of online and automation of house support and cancellation, potential risk mining, formation of an efficient early warning mechanism and formation of scientific long-term management of escort.
Description
Technical Field
The invention relates to the technical field of loan systems, in particular to an online house mortgage loan system based on government affair big data.
Background
A real estate mortgage refers to a loan that a bank offers with the real estate owned by a borrower or a third person as mortgage. The scope of a collateral guarantee includes principal, interest and fees for the realization of collateral mortgages and other contents of the collateral contractual agreement of a bank's real estate mortgage. The home mortgages are not free to handle the mortgage property during the mortgage, and the mortgage bank of the mortgage property is authorized as the mortgage owner to perform the necessary supervision and inspection of the mortgage during the mortgage. When the loan debt performing period expires and the borrower does not settle the principal and interest of the loan, the loan bank can agree with the borrower to discount the price of the mortgage real estate or auction and change the price obtained by selling the mortgage to pay the principal and the interest of the loan; if the agreement is not successful, the loan bank can ask the court to withdraw lawsuits and clear the debt of the loan bank through legal approach.
Property mortgages have been available long ago, and many banks have this business, with only a difference in specific limitations. At present, the financial market mainly deals with mortgage offline, partial financial institutions are additionally provided with online channels and only provide an online application channel for customers, and the core services of house property evaluation, rating credit, house mortgage and the like are mainly dealt with offline. This causes the following problems in the actual loan handling: 1. the process is complex: the client needs to transact various items back and forth for many times among the evaluation institution, the bank and the real estate center; 2. the cost is high: in general, in the house mortgage loan, the house assessment requires paying a certain fee, such as an assessment fee, a notary fee, a mortgage registration fee or an insurance fee; 3, the treatment period is long: in contrast to mortgage-free loans, the speed of depositing money in banks is slow because mortgage registration is required for home mortgage loans. Generally, a bank needs about one month to deposit money after the borrower applies for a loan.
Disclosure of Invention
In order to overcome the above-mentioned drawbacks of the prior art, embodiments of the present invention provide an online property mortgage system based on government affairs big data.
In order to achieve the purpose, the invention provides the following technical scheme: an online house mortgage loan system based on government affair big data comprises a real-time evaluation module, a data factory module, a model calculation module, a risk management module, an application credit module, an online mortgage module, an online money consumption module and an online repayment module;
the data factory module is connected with the real-time evaluation module, the credit application module and the model calculation module, and is used for collecting, processing, cleaning, desensitizing and integrating government affair data, financial data, human credit investigation data and internet data to finish data standardization processing;
the real-time evaluation module is connected with the credit application module and the data factory module, the real-time evaluation module comprises a government affair data analysis model, and the real-time evaluation module integrates the government affair data analysis model to analyze house information in real time according to information such as a house name, a building number and a house number input by a user and is in butt joint with a bank house property evaluation system so as to calculate the evaluation value of the house property;
the online mortgage module is connected with the credit applying module and the online money using module, and is used for online mortgage of the house to realize intelligent conversion of the mortgage materials of the house;
the system comprises an application and credit granting module, a data receiving factory module, a real-time evaluation module, an online mortgage module and a model calculation module, wherein the application and credit granting module is used for initiating loan application online and completing the whole loan and credit granting process through the links of face recognition, risk admission, rating credit granting, qualification review and online signing;
the model calculation module is connected with the data factory module, the application credit granting module and the risk management module, and provides model calculation capacity service for risk admission, rating credit granting, interest rate pricing and post-loan analysis key business of loan application;
the risk management module is connected with the online money using module, the online repayment module and the model calculation module, and is used for analyzing according to change results of government affair data, financial data, human credit data and internet data and providing risk analysis, risk early warning and post-credit management and control services;
the online money-using module is connected with the online mortgage module, the online repayment module and the risk management module, and the online money-using module is used for solving the problem of online money-using safety, getting through a bank information system and realizing the full-flow service of online money application and real-time money release.
In a preferred embodiment, the online repayment module is connected with the online money usage module and the risk management module, and provides the user with the information for confirming the payment usage and repayment through the APP, so as to realize the repayment data query and online advance repayment service.
In a preferred embodiment, the online mortgage module is used for opening a passage on a house mortgage approval line by being in butt joint with a government affair portal system, so that the house mortgage is online and automated.
In a preferred embodiment, the online credit module is based on face recognition technology.
In a preferred embodiment, the risk management module has pre-stored therein a post-credit warning model and a warning threshold.
The invention has the technical effects and advantages that:
1. the real-time evaluation module is used for processing and analyzing the data acquired by the data factory module to acquire the house price information, so that the evaluation speed is high, the house price is quickly and accurately evaluated, the loan amount is matched, and the customer conversion rate is improved;
2. the online mortgage module is in butt joint with the government affair portal system, an online passage of house mortgage approval is opened, house mortgage online and automation are realized, the loan period is short, a real estate center system can be opened, house mortgage and cancellation online and automation are realized, and the trouble that a user and a bank client manager run back and forth is avoided;
3. through big data wind control model, with the government affairs big data as the basis, monitor property owner and the change condition of house property information, excavate the potential risk, form efficient early warning mechanism, form the long-term management of science to the deposit.
Drawings
FIG. 1 is a schematic diagram of the system framework of the present invention.
Fig. 2 is a schematic structural diagram of an online payment module according to the present invention.
Fig. 3 is a schematic structural diagram of an online mortgage module according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
An online property mortgage system based on government affair big data as shown in fig. 1-3, which comprises a real-time evaluation module, a data factory module, a model calculation module, a risk management module, an application and credit module, an online mortgage module, an online money using module and an online repayment module;
the online payment management system comprises a data factory module, an online payment module, a model calculation module, an online payment module, a data factory module, an online credit application module, a model calculation module, a risk management module, a data factory module, an online payment module and a risk management module, wherein the data factory module is connected with the real-time evaluation module, the credit application module and the online payment module;
the online mortgage module is in butt joint with a government affair portal system, a house mortgage approval online channel is opened, house mortgage online and automation are achieved, the online repayment module is based on a face recognition technology and is paired with APP confirmation repayment information for use, and a post-credit early warning model and an early warning threshold value are prestored in the risk management module;
the system collects, processes, cleans, desensitizes and integrates government affairs data, financial data, people's bank credit data and internet data to finish data standardization processing, when a user loans, according to information such as a building name, a building, a house number and the like input by the user, a government affair data analysis model is integrated to analyze house information in real time and is butted with a bank house property evaluation system to calculate the evaluation value of a house property, the house of the user is mortgage on a line to realize the intelligent conversion of house property mortgage materials, a loan application is initiated on the system line, a model calculation module provides model calculation capability service for the risk, rating admission, interest rate pricing and post-loan analysis key business of the loan application, the whole flow of the user loan credit is finished through links of face recognition, risk examination, rating admission, rating credit, qualification and on-line signing, and an on-line money module is utilized to communicate with the bank information system, realize online application and use money, the full flow service of putting money in real time, after accomplishing the loan, according to the change result of government affairs data, financial data, people's bank note data and internet data and carry out the analysis, provide risk analysis, risk early warning and loan back management and control service, confirm user's repayment information with money through APP, realize repayment data inquiry, online service of repayment in advance.
And finally: the above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that are within the spirit and principle of the present invention are intended to be included in the scope of the present invention.
Claims (5)
1. The utility model provides an online house property mortgage loan system based on big data of government affairs which characterized in that: the online mortgage system comprises a real-time evaluation module, a data factory module, a model calculation module, a risk management module, an application credit module, an online mortgage module, an online money consumption module and an online repayment module;
the data factory module is connected with the real-time evaluation module, the credit application module and the model calculation module, and is used for collecting, processing, cleaning, desensitizing and integrating government affair data, financial data, human credit investigation data and internet data to finish data standardization processing;
the real-time evaluation module is connected with the credit application module and the data factory module, the real-time evaluation module comprises a government affair data analysis model, and the real-time evaluation module integrates the government affair data analysis model to analyze house information in real time according to information such as a house name, a building number and a house number input by a user and is in butt joint with a bank house property evaluation system so as to calculate the evaluation value of the house property;
the online mortgage module is connected with the credit applying module and the online money using module, and is used for online mortgage of the house to realize intelligent conversion of the mortgage materials of the house;
the system comprises an application and credit granting module, a data receiving factory module, a real-time evaluation module, an online mortgage module and a model calculation module, wherein the application and credit granting module is used for initiating loan application online and completing the whole loan and credit granting process through the links of face recognition, risk admission, rating credit granting, qualification review and online signing;
the model calculation module is connected with the data factory module, the application credit granting module and the risk management module, and provides model calculation capacity service for risk admission, rating credit granting, interest rate pricing and post-loan analysis key business of loan application;
the risk management module is connected with the online money using module, the online repayment module and the model calculation module, and is used for analyzing according to change results of government affair data, financial data, human credit data and internet data and providing risk analysis, risk early warning and post-credit management and control services;
the online money-using module is connected with the online mortgage module, the online repayment module and the risk management module, and the online money-using module is used for solving the problem of online money-using safety, getting through a bank information system and realizing the full-flow service of online money application and real-time money release.
2. An on-line real estate mortgage system based on government affairs big data according to claim 1, characterized in that: the online repayment module is connected with the online money use module and the risk management module, and the online money use repayment module confirms the money use repayment information through the APP for the user, realizes repayment data inquiry, and online advance repayment service.
3. An on-line real estate mortgage system based on government affairs big data according to claim 1, characterized in that: the on-line mortgage module is in butt joint with a government affair portal system, and an on-line channel of house mortgage approval is opened, so that on-line and automation of house mortgage are realized.
4. An on-line real estate mortgage system based on government affairs big data according to claim 1, characterized in that: the online money-using module is based on a face recognition technology.
5. An on-line real estate mortgage system based on government affairs big data according to claim 1, characterized in that: and the risk management module is internally prestored with a post-credit early warning model and an early warning threshold value.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911383228.2A CN111210195A (en) | 2019-12-27 | 2019-12-27 | Online house mortgage loan system based on government affair big data |
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| CN201911383228.2A CN111210195A (en) | 2019-12-27 | 2019-12-27 | Online house mortgage loan system based on government affair big data |
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Cited By (4)
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| CN112613979A (en) * | 2020-12-22 | 2021-04-06 | 江苏苏州农村商业银行股份有限公司 | Real estate mortgage system and real estate mortgage method based on internet |
| CN112767140A (en) * | 2021-02-26 | 2021-05-07 | 中国工商银行股份有限公司 | Method and apparatus for value assessment of collateral |
| CN113177833A (en) * | 2021-04-07 | 2021-07-27 | 安徽科讯金服科技有限公司 | Big data-based guarantee decision-making system |
| TWI807196B (en) * | 2020-07-06 | 2023-07-01 | 國泰世華商業銀行股份有限公司 | A system and method for estimating credit risk |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI807196B (en) * | 2020-07-06 | 2023-07-01 | 國泰世華商業銀行股份有限公司 | A system and method for estimating credit risk |
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