WO2019237565A1 - 贷款业务处理方法、装置、计算机设备及可读存储介质 - Google Patents

贷款业务处理方法、装置、计算机设备及可读存储介质 Download PDF

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Publication number
WO2019237565A1
WO2019237565A1 PCT/CN2018/107903 CN2018107903W WO2019237565A1 WO 2019237565 A1 WO2019237565 A1 WO 2019237565A1 CN 2018107903 W CN2018107903 W CN 2018107903W WO 2019237565 A1 WO2019237565 A1 WO 2019237565A1
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user
loan
client
information
identity information
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PCT/CN2018/107903
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English (en)
French (fr)
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徐艳芳
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平安科技（深圳）有限公司
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    • 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
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Definitions

  • the present application relates to the field of communication technology, and relates to a method, an apparatus, a computer device, and a readable storage medium for processing a loan business.
  • the user when applying for a loan business, the user needs to go to the bank outlet in person to handle it.
  • the user submits to the bank clerk various information required for the loan business and paper copies of corresponding certification materials, including the user's ID card, job , Position, education, marital status, income level, etc.
  • the bank clerk collects all necessary materials and enters the user's information into the banking system as the corresponding information for the loan business, and then the banking system approves the loan business based on the information corresponding to the loan business .
  • the bank clerk After collecting all relevant materials of the user, the bank clerk enters the information, and then the banking system begins to process the loan business. There is a lot of required information and certification materials.
  • the purpose of this application is to provide a loan business processing method, device, computer equipment, and readable storage medium, so as to improve the convenience, processing efficiency, and information security of loan business processing.
  • a loan business processing method includes:
  • the user identity information is the identity of the user who applied for the loan business collected by the client of the branch, and the client of the branch is the client used by the bank clerk to log in;
  • the user is given a loan scoring according to the economic situation information to obtain the user's corresponding loan scoring result;
  • the present application further provides a loan service processing device, which includes:
  • the first information receiving module is configured to receive user identity information corresponding to the loan service entered by the client of the branch.
  • the user identity information is the identity of the user who applied for the loan service collected by the client of the branch.
  • the client of the branch is used by the bank clerk to log in Client
  • Qualification detection module used to detect whether the user has the qualification for loan processing according to the user identity information
  • the result feedback module is used to feed back the results of the review to the client of the outlet when it is detected that the user has the qualification for loan processing;
  • the second information receiving module is configured to receive the economic status information corresponding to the loan business entered by the client of the network after receiving the verification result, and the economic status information is used to reflect the economic status of the user applying for the loan business;
  • a loan scoring module configured to perform a loan scoring on a user according to a preset scoring method according to economic status information to obtain a user's corresponding loan scoring result
  • the loan disbursement module is used to disburse loans according to the results of loan scoring.
  • the present application further provides a computer device including a memory, a processor, and a computer program stored on the memory and executable on the processor.
  • the processor executes the computer program to implement the following steps of the loan service processing method :
  • the user identity information is the identity of the user who applied for the loan business collected by the client of the branch, and the client of the branch is the client used by the bank clerk to log in;
  • the user is given a loan scoring according to the economic situation information to obtain the user's corresponding loan scoring result;
  • the present application also provides a computer-readable storage medium.
  • the computer-readable storage medium stores a computer program, and when the computer program is executed by at least one processor, the following steps of the loan service processing method are implemented:
  • the user identity information is the identity of the user who applied for the loan business collected by the client of the branch, and the client of the branch is the client used by the bank clerk to log in;
  • the user is given a loan scoring according to the economic situation information to obtain the user's corresponding loan scoring result;
  • This application optimizes the process of loan business. It is not necessary to enter all the user's information into the banking system for approval. Instead, enter the user's identity information to review the loan processing qualification. After the approval, the user's Economic status information is used for loan scoring. When the loan qualification verification fails, it is no longer necessary to enter economic status information and follow-up operations are no longer required. This avoids the time spent entering non-compliant customers and improves loan business processing. s efficiency. At the same time, in the process of the bank system using user identity information to verify the qualification of loan processing, it can simultaneously collect economic status information, shorten the time period for information collection, and further improve the efficiency of loan business processing.
  • the bank clerk can upload an image copy of the loan business materials using the branch client, or the user can use the user client to upload an image copy of the loan business materials, which can be anytime, anywhere You can upload image copies in batches, without waiting for all materials to be submitted before submission. It is not limited by time and place, and avoids the risk of leakage or loss caused by the time process of collecting materials.
  • the user's own uploading method allows users to face the banking system directly, avoiding the risk of material loss and theft due to intermediate links, and higher security, on the other hand, it also reduces the bank's labor costs.
  • FIG. 1 shows a flowchart of an embodiment of a loan service processing method of the present application.
  • FIG. 2 shows a schematic diagram of a program module of an embodiment of a loan service processing device of the present application.
  • FIG. 3 is a schematic diagram of a program module of another embodiment of the loan application processing device of the present application.
  • FIG. 4 is a schematic diagram of a hardware architecture of an embodiment of a computer device according to the present application.
  • This embodiment provides a method for processing a loan service.
  • This embodiment introduces the method through an interaction process between a banking system, a branch client, and a user client, and includes the following steps:
  • the branch client establishes a connection with the banking system.
  • the branch client is the client used by the bank clerk to log in.
  • the bank clerk has the right to log in to each business handling page provided by the bank system, but ordinary users do not have this right.
  • the bank clerk logs in to the loan business application page provided by the banking system through the branch client.
  • the branch client can be a business application application or browser provided by the bank.
  • Step 120 The branch client collects user identity information of a user who applies for a loan business, and the branch client enters the user identity information into the banking system as the user identity information corresponding to the loan service.
  • the user identity information is usually the information recorded on the valid identity document of the user applying for the loan business.
  • the valid identity document includes, but is not limited to, a resident identity card, passport, military officer's card, foreign residence permit, etc.
  • the user identity information includes but is not limited to User ’s name, gender, ethnicity, birthday, ID number and address, etc.
  • the branch client collects the text User identity information.
  • the branch client is installed on the branch terminal.
  • the branch terminal is usually a portable device such as a tablet computer. It is convenient for the bank clerk to bring it to the user for processing.
  • the branch terminal has a camera function and the branch terminal takes a valid ID of the user.
  • the picture enables the client of the network to collect user identity information in the form of a picture, and the banking system performs image recognition on the picture to obtain the user identity information.
  • the outlet terminal takes a picture of the user's valid identity document, and the outlet terminal performs image recognition to obtain the user identity information, so that the outlet client can collect the user identity information in text form.
  • the application does not limit the specific collection method.
  • step 130 the banking system detects whether the user has the qualification for loan processing according to the user identity information.
  • the evaluation of the loan processing qualification mainly includes two parts: identity information verification query and credit evaluation.
  • the banking system verifies the authenticity of the user's identity information.
  • almost all current banking systems are networked with the database of the Ministry of Public Security.
  • the database of the Ministry of Public Security records real-name information related to each citizen.
  • the system sends the user identity information to the Ministry of Public Security database for verification.
  • the Ministry of Public Security database will check whether the user identity information matches the recorded information. If they match, it means that the user identity information is true, otherwise it means that the user identity information is false.
  • the Ministry of Public Security database will query The results are fed back to the banking system, which can determine the authenticity of the user's identity information based on the results returned by the Ministry of Public Security database.
  • the banking system determines that the user's identity information is authentic, the banking system continues to evaluate the user's credit; if the banking system determines that the user's identity information is false, the banking system directly determines that the user does not have the qualification for loan processing. Continue to the credit rating section.
  • the credit reporting platform can be the People's Bank of China. Center, National Enterprise Credit Information Disclosure System, etc.
  • the credit information platform receives the user identity information, and inquires and generates the user's credit report based on the user identity information.
  • the credit report usually includes personal information, credit transaction information and other information.
  • the credit transaction information usually includes credit record summary, Asset disposal information, credit card information, loan information, guarantee information, and public records. Other information mainly includes personal provident fund and pension information.
  • the credit reporting platform returns the generated credit report to the banking system.
  • the banking system receives the user's credit report returned from the credit reporting platform and performs a credit evaluation on the user according to the preset policy according to the credit report.
  • the preset policy can be customized.
  • a preset strategy for credit evaluation is: the bank system queries whether the credit report includes bad credit records.
  • the bad credit records mainly include: overdue records of credit cards, housing loans, auto consumption loans and personal consumption loans, civil judgments. , Enforcement, administrative penalties, etc.
  • the credit report does not include the bad credit record, it is determined that the credit rating is passed.
  • the bad credit record is included, it is determined that the credit rating is not passed.
  • the number of items of the bad credit record is less than the set number, it is determined that the credit rating is passed. Otherwise, it will not pass.
  • the banking system After executing the credit evaluation part, if the banking system determines that the user's credit rating is passed, the banking system determines that the user has the loan processing qualification; if the banking system determines that the user's credit rating has failed, the banking system determines that the user does not have the loan processing qualification.
  • Step 140 When it is detected that the user has the qualification for loan processing, the banking system feeds back the result of the audit to the client of the outlet. The client of the outlet continues to perform the following steps after receiving the result of the audit.
  • the banking system feeds back the review rejection result to the client of the branch. After the client of the branch receives the review rejection result, it is not necessary to enter the relevant information about the loan business in the banking system. The banking system You can further delete all the information that the loan business has entered, that is, the banking system does not need to process the loan business in the future.
  • step 150 when the client of the outlet receives the result of the audit, the client's economic status information is entered into the banking system as the economic status information corresponding to the loan business, and the economic status information is used to reflect the user applying for the loan business.
  • Economic status including but not limited to at least one of the nature of the user's work unit, position, working life, education, marital status, income level, housing situation, debt situation, and real estate information under the name.
  • the branch client can begin to collect economic status information after the user submits an application for a loan business. During the bank system's process of testing the loan processing qualification of the user, the branch client also collects the economic status information simultaneously.
  • step 160 the banking system verifies the authenticity of the economic status information, usually using some third-party systems connected to the banking system to verify, for example, the "Chinese Higher Education Student Information consulting System” to verify the authenticity of the education level. Another example is to verify the authenticity of real estate information through the "Real Estate Authority System”. This application does not give examples one by one. When the banking system verifies that there is false information in the economic status information, the result is returned to the outlet client to prompt for modification.
  • the banking system uses the preset scoring method to score the user's loan according to the economic status information to obtain the user's corresponding loan scoring result.
  • the preset scoring method can be determined by the bank. System customization. For example, one scoring method is: first assign different highest scores to various pieces of information in the economic status information, and then assign different scores to various options corresponding to each piece of information.
  • An example is: the total score of the loan is 100 points, the education level in the set economic status information is 10 points, the unit nature is 15 points, the number of working years is 15 points, the income level is 20 points, the housing situation is 20 points, Deposits and investments account for 20 points.
  • the education level it is further set: 10 points for graduate students and above, 7 points for undergraduates, 5 points for colleges, 3 points for high schools / secondary schools, and 1 point for others.
  • 10 points for graduate students and above 7 points for undergraduates
  • 5 points for colleges 3 points for high schools / secondary schools
  • 1 point for others for example, for deposits and investments, further setting: 20 points above 300,000, 12 points for 100,000 to 300,000, 8 points for 100,000 or more, 3 points for 50,000 to 100,000, and 0 points for 50,000 or less.
  • the score of each piece of information in the user's economic status information can be determined, and the total score obtained by the addition is the user's loan scoring result.
  • Step 170 The higher the score of the user ’s loan scoring result, the better the user ’s economic status and the better the repayment ability of the user. Therefore, different loan scoring results correspond to different loan amounts, and the corresponding relationship between the loan scoring results and the loan amount It can be customized, for example, it can be defined as: the loan scoring result corresponds to a loan amount of 30w in the range of 71 to 80 points, the loan scoring result corresponds to a loan amount of 20w in the range of 61 to 70 points, and so on.
  • the banking system issues loans based on the user's loan scoring result.
  • the banking system can determine to issue a 20w loan for the user; or in actual situations, when the user applies for a loan business, he usually applies The loan amount, for example, if the user applies for a loan of 15w, the banking system detects that the loan amount corresponding to the user's loan scoring result exceeds the loan amount applied by the user, and issues the loan amount applied to the user. If the user's loan scoring result corresponds to the loan If the amount does not reach the loan amount applied by the user, the banking system may issue the highest loan amount to the user or prompt the user to supplement the economic status information and re-score the loan. For example, when the user's loan scoring result is 65 points, the banking system can determine that the corresponding loan amount is 20w. When the user applies for a loan amount of 15w, the banking system can issue a 15w loan to the user.
  • Step 180 After the loan qualification review and loan scoring are completed, image copies of all loan business materials related to the loan business need to be entered into the banking system and stored in the bank system corresponding to the loan business through the material upload page provided by the banking system as materials.
  • the loan business materials include the user's valid ID and proof of the information in the economic status information.
  • Bank clerks and ordinary users have the authority to upload pages for login materials provided by the banking system.
  • the image copy entry method includes the following two cases:
  • a copy of the image is entered by the bank clerk.
  • the bank clerk logs in to the material upload page provided by the banking system through the branch client, and the banking system provides the material upload page to the branch client.
  • the branch client obtains an image copy of the loan business material and uploads the page through the material.
  • the image copy is entered into the banking system as the image copy corresponding to the loan business.
  • the outlet client obtains the image copy through the outlet terminal where the outlet is located.
  • the outlet terminal can obtain the image copy of the loan business material by shooting or scanning.
  • the outlet client provides the identification code to the user client.
  • the user client is the client used by the user to log in.
  • the user client is installed on the user terminal.
  • the user terminal is a smartphone or tablet used by the user. device of.
  • the identification code provided by the branch client to the user client includes the page address of the material upload page provided by the banking system.
  • the identification code can be in the form of a two-dimensional code or a bar code.
  • the identification code has a certain validity period. , The generated time will expire when reaching the preset time, and the preset time can be customized.
  • the user client obtains an image copy of the loan business materials.
  • the user client Similar to the first case, the user client also obtains the image copy through the user terminal where it is located.
  • the user client's identification code or scanning is performed by means of the camera module built into the user terminal. Two-dimensional code.
  • the banking system provides the user client with a material upload page so that the user client jumps to the material upload page, and then the user client enters a copy of the image into the banking system. A copy of the image corresponding to the loan business.
  • a method for processing a loan service in this embodiment introduces the method through an execution process of a banking system, and includes the following steps:
  • Step 1 Receive user identity information corresponding to the loan service entered by the branch client.
  • the user identity information is the identity information of the user who applies for the loan business collected by the branch client.
  • the branch client is the client used by the bank clerk to log in.
  • Step 2 Check whether the user has the qualification for loan processing according to the user identity information.
  • Step 3 When it is detected that the user has the qualification for loan processing, the result of the review is fed back to the outlet client.
  • Step 4 When it is detected that the user does not have the qualification for loan processing, the result of the review and rejection is fed back to the client of the outlet, and the information corresponding to the loan business is deleted.
  • Step 5 Receive the economic status information corresponding to the loan business entered by the client of the outlet after receiving the verification result, and the economic status information is used to reflect the economic status of the user applying for the loan business.
  • Step 6 the user is given a loan scoring according to the economic status information to obtain a loan scoring result corresponding to the user.
  • Step 7 Disburse the loan based on the loan scoring result.
  • Step 8 Provide the material upload page to the branch client and receive an image copy corresponding to the loan business entered by the branch client on the material upload page.
  • the image copy is an image copy of the loan business loan material obtained by the branch client.
  • the identification code includes the material upload page
  • the page address, image copy is an image copy of the loan business material of the loan business obtained by the user client, and the user client is the client used by the user to log in.
  • the loan business materials include the user's valid identity document and the proof of the information in the economic status information.
  • FIG. 2 illustrates a loan business processing device.
  • the loan business processing device 200 may include or be divided into one or more program modules, and the one or more program modules are stored in a storage medium. And is executed by one or more processors, and the loan service processing method executed by the banking system disclosed in the second embodiment has been completed.
  • the program module referred to in the present application refers to a series of computer program instruction segments capable of performing specific functions, and is more suitable for describing the execution process of the loan business processing device 200 in a storage medium than the program itself. The following description will specifically introduce the functions of the program modules of this embodiment:
  • the first information receiving module 210 is configured to receive user identity information corresponding to the loan service entered by the client of the branch.
  • the user identity information is the identity of the user who applies for the loan service collected by the client of the branch.
  • the client of the branch is a bank clerk login. Client used.
  • the qualification detection module 220 is configured to detect whether the user has the qualification for loan processing according to the user identity information.
  • the qualification detection module 220 includes the following sub-modules, please refer to FIG. 3:
  • An execution sub-module 222 is configured to send user identity information to the credit information platform when it is determined that the user identity information is true; when it is determined that the user identity information is false, determine that the user does not have the qualification for loan processing;
  • the evaluation sub-module 223 receives the credit report of the user returned by the credit reporting platform and performs a credit evaluation on the user according to the preset report according to a preset policy.
  • the credit report is queried and generated based on the user identification information after the credit reporting platform receives the user identity information. report;
  • the determination sub-module 224 determines that the user has the qualification for loan processing when it is determined that the credit evaluation has passed; and determines that the user does not have the qualification for loan processing when it is determined that the credit evaluation has failed.
  • the result feedback module 230 is configured to feed back the approval result to the client of the outlet when it is detected that the user has the qualification for loan processing.
  • the review and rejection module 240 is configured to feed back the result of the review and rejection to the outlet client when it is detected that the user does not have the loan processing qualification, and delete the information corresponding to the loan business.
  • the second information receiving module 250 is configured to receive the economic status information corresponding to the loan business entered by the client of the network after receiving the verification result, and the economic status information is used to reflect the economic status of the user applying for the loan business.
  • the loan scoring module 260 is configured to obtain a loan scoring result corresponding to the user by scoring the loan to the user according to the economic status information according to a preset scoring method.
  • the loan issuing module 270 is configured to issue a loan according to a loan scoring result.
  • FIG. 4 is a schematic diagram of a hardware architecture of the embodiment of the computer device.
  • the computer device is implemented as a banking system in this patent.
  • the computer device is a device capable of automatically performing information processing according to an instruction set or stored in advance.
  • the computer equipment may be implemented by a rack server, a blade server, a tower server, or a rack server (including an independent server or a server cluster composed of multiple servers).
  • the computer device 400 includes at least, but not limited to, a memory 410, a processor 420, and a network interface 430 that can be communicatively connected to each other through a system bus. among them:
  • the memory 410 includes at least one type of computer-readable storage medium.
  • the readable storage medium includes a flash memory, a hard disk, a multimedia card, a card-type memory (for example, SD or DX memory, etc.), a random access memory (RAM), and a static random access memory.
  • SRAM read-only memory
  • EEPROM electrically erasable programmable read-only memory
  • PROM programmable read-only memory
  • magnetic memory magnetic disks, optical disks, etc.
  • the memory 410 may be an internal storage module of the computer device 400, such as a hard disk or a memory of the computer device 400.
  • the memory 410 may also be an external storage device of the computer device 400, for example, a plug-in hard disk, a Smart Media Card (SMC), and a Secure Digital (Secure Digital, SD) card, Flash card, etc.
  • the memory 410 may also include both the internal storage module of the computer device 400 and its external storage device.
  • the memory 410 is generally used to store an operating system and various application software installed on the computer device 400, such as program code of the loan service processing apparatus 200 provided in the third embodiment.
  • the memory 410 may also be used to temporarily store various types of data that have been output or are to be output.
  • the processor 420 may be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chip in some embodiments.
  • the processor 420 is generally used to control the overall operations of the computer device 400, for example, to perform control and processing related to data interaction or communication with the computer device 400.
  • the processor 420 is configured to run program code or process data stored in the memory 21, for example, program code of the loan service processing device 200 provided in the third embodiment.
  • the network interface 430 may include a wireless network interface or a wired network interface.
  • the network interface 430 is generally used to establish a communication connection between the computer device 400 and other electronic devices.
  • the network interface 430 is used to connect the computer device 400 with an external terminal through a network, and establish a data transmission channel and a communication connection between the computer device 400 and the external terminal.
  • the network can be an intranet, the Internet, a Global System for Mobile Communication (GSM), a Wideband Code Division Multiple Access (WCDMA), a 4G network, a 5G network, Wireless or wired networks such as Bluetooth and Wi-Fi.
  • GSM Global System for Mobile Communication
  • WCDMA Wideband Code Division Multiple Access
  • FIG. 4 only shows a computer device 400 having a memory 410, a processor 420, and a network interface 430, but it should be understood that it is not required to implement all the illustrated components, and more or Fewer parts.
  • This embodiment provides a computer-readable storage medium.
  • the computer-readable storage medium stores program code of the loan service processing apparatus 200 provided in Embodiment 3.
  • the loan service processing apparatus 200 is executed by one or more processors, The method for processing a loan service provided in the second embodiment is implemented.

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Abstract

一种贷款业务处理方法、装置、计算机设备及可读存储介质，该方法包括：网点客户端采集用户身份信息并录入至银行***（120），银行***根据用户身份信息检测用户是否具有贷款办理资质（130），在检测到用户具有贷款办理资质时，网点客户端将采集到的用户的经济状况信息录入至银行***（150），银行***按照预设的评分方式根据经济状况信息对用户进行贷款评分得到用户对应的贷款评分结果（160），并根据贷款评分结果发放贷款（170）。该方法优化了贷款业务办理时的流程，避免了花费时间录入资质不符合的客户的情况，提高了贷款业务办理的效率。

Description

贷款业务处理方法、装置、计算机设备及可读存储介质
本申请申明享有2018年6月12日递交的申请号为CN 2018105984039、名称为“贷款业务处理方法、装置、计算机设备及可读存储介质”的中国专利申请的优先权，该中国专利申请的整体内容以参考的方式结合在本申请中。
技术领域
本申请涉及通信技术领域，具有涉及一种贷款业务处理方法、装置、计算机设备及可读存储介质。
背景技术
目前用户在申请办理贷款业务时，需要本人亲自前往银行网点进行办理，用户向银行业务员提交办理贷款业务所需的各种信息以及相应的证明材料的纸质件，包括用户的身份证、工作、职位、学历、婚姻状况、收入水平等，银行业务员收集齐所有必要材料后将用户的信息录入至银行***作为贷款业务对应的信息，然后银行***根据贷款业务对应的信息对贷款业务进行审批。这种贷款业务处理的流程有几下几个问题：(1)、在收集齐用户所有的相关材料后，银行业务员才进行信息录入，然后银行***才开始贷款业务的处理，由于办理贷款业务所需的信息及证明材料很多，材料收集的过程时间周期较长，效率较低，另外实际生活中会有很大一部分用户完全不具备贷款业务办理的硬性资质，将此类用户的所有信息都收集齐并录入银行***是完全没有必要的，业务处理的整体效率较低。(2)、银行目前通过纸质方式收集用户相关的材料，较为繁琐且容易造成资料丢失和泄露。(3)、用户需要亲自前往银行网点进行材料的提交和业务的办理，在实际生活中，由于银行网点的数量较少、工作时间较为固定且通常在工作时间段内、服务网点排队人数较多等 问题，导致用户在办理业务时花费的成本较大、体验较差。
发明内容
本申请的目的在于提供一种贷款业务处理方法、装置、计算机设备及可读存储介质，进而可以提高贷款业务处理的便捷度、处理效率和信息安全性。
本申请是通过下述技术方案来解决上述技术问题：
一种贷款业务处理方法，该方法包括：
接收网点客户端录入的贷款业务对应的用户身份信息，用户身份信息是网点客户端采集的申请办理贷款业务的用户的身份信息，网点客户端是银行业务员登录使用的客户端；
根据用户身份信息检测用户是否具有贷款办理资质；
在检测到用户具有贷款办理资质时，向网点客户端反馈审核通过结果；
接收网点客户端在接收到审核通过结果后录入的贷款业务对应的经济状况信息，经济状况信息用于反应申请办理贷款业务的用户的经济状况；
按照预设的评分方式根据经济状况信息对用户进行贷款评分得到用户对应的贷款评分结果；
根据贷款评分结果发放贷款。
为了实现上述目的，本申请还提供了一种贷款业务处理装置，该装置包括：
第一信息接收模块，用于接收网点客户端录入的贷款业务对应的用户身份信息，用户身份信息是网点客户端采集的申请办理贷款业务的用户的身份信息，网点客户端是银行业务员登录使用的客户端；
资质检测模块，用于根据用户身份信息检测用户是否具有贷款办理资质；
结果反馈模块，用于在检测到用户具有贷款办理资质时，向网点客户端反馈审核通过结果；
第二信息接收模块，用于接收网点客户端在接收到审核通过结果后录入 的贷款业务对应的经济状况信息，经济状况信息用于反应申请办理贷款业务的用户的经济状况；
贷款评分模块，用于按照预设的评分方式根据经济状况信息对用户进行贷款评分得到用户对应的贷款评分结果；
贷款发放模块，用于根据贷款评分结果发放贷款。
为了实现上述目的，本申请还提供了一种计算机设备，包括存储器、处理器以及存储在存储器上并可在处理器上运行的计算机程序，处理器执行计算机程序时实现贷款业务处理方法的以下步骤：
接收网点客户端录入的贷款业务对应的用户身份信息，用户身份信息是网点客户端采集的申请办理贷款业务的用户的身份信息，网点客户端是银行业务员登录使用的客户端；
根据用户身份信息检测用户是否具有贷款办理资质；
在检测到用户具有贷款办理资质时，向网点客户端反馈审核通过结果；
接收网点客户端在接收到审核通过结果后录入的贷款业务对应的经济状况信息，经济状况信息用于反应申请办理贷款业务的用户的经济状况；
按照预设的评分方式根据经济状况信息对用户进行贷款评分得到用户对应的贷款评分结果；
根据贷款评分结果发放贷款。
为了实现上述目的，本申请还提供了一种计算机可读存储介质，该计算机可读存储介质内存储有计算机程序，计算机程序被至少一个处理器执行时实现贷款业务处理方法的以下步骤：
接收网点客户端录入的贷款业务对应的用户身份信息，用户身份信息是网点客户端采集的申请办理贷款业务的用户的身份信息，网点客户端是银行业务员登录使用的客户端；
根据用户身份信息检测用户是否具有贷款办理资质；
在检测到用户具有贷款办理资质时，向网点客户端反馈审核通过结果；
接收网点客户端在接收到审核通过结果后录入的贷款业务对应的经济状况信息，经济状况信息用于反应申请办理贷款业务的用户的经济状况；
按照预设的评分方式根据经济状况信息对用户进行贷款评分得到用户对应的贷款评分结果；
根据贷款评分结果发放贷款。
本申请的积极进步效果在于：
1、本申请优化了贷款业务办理时的流程，不需要将用户的所有信息都录入银行***后再进行审批，而是先录入用户身份信息进行贷款办理资质的审核，审核通过后再录入用户的经济状况信息进行贷款评分，贷款办理资质审核不通过时，不再需要录入经济状况信息，也不需要再执行后续的操作，避免了花费时间录入资质不符合的客户的情况，提高了贷款业务办理的效率。同时在银行***利用用户身份信息进行贷款办理资质的审核的过程中，可以同步收集经济状况信息，缩短了信息收集的时间周期，进一步提高了贷款业务办理的效率。
2、银行业务员使用便携式的网点终端登录网点客户端后，在网络可用条件下可以随时随地处理用户的贷款业务办理申请，不需要用户亲自前往银行网点办理，提高了贷款业务办理的便捷度。
3、在贷款办理资质审核以及贷款评分都完成后，可由银行业务员使用网点客户端上传贷款业务材料的图像副本，或者由用户自行使用用户客户端上传贷款业务材料的图像副本，可以随时随地随量上传图像副本，无需等待所有材料齐全后再提交，不受时间地点限制，避免了收集材料时间过程导致的泄露或遗失的风险。另外，用户自行上传的方式使得用户直面银行***，避免了中间环节造成的材料遗失和被盗用风险，安全性更高，另一方面也降低了银行的人力成本。
附图说明
图1示出了本申请贷款业务处理方法一实施例的流程图。
图2示出了本申请贷款业务处理装置一实施例的程序模块示意图。
图3示出了本申请贷款业务处理装置又一实施例的程序模块示意图。
图4示出了本申请计算机设备一实施例的硬件架构示意图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
实施例一
请参阅图1，本实施例提供了一种贷款业务处理方法，该实施例通过银行***、网点客户端和用户客户端三者之间的交互过程对该方法进行介绍，包括如下步骤：
步骤110，网点客户端与银行***建立连接，网点客户端是银行业务员登录使用的客户端，银行业务员具有登录银行***提供的各个业务办理页面的权限，而普通用户不具有这一权限。当用户申请办理贷款业务时，银行业务员通过网点客户端登录银行***提供的贷款业务办理页面，网点客户端可以是银行提供的业务办理类应用程序或浏览器。
步骤120，网点客户端采集申请办理贷款业务的用户的用户身份信息，网点客户端将用户身份信息录入至银行***中作为贷款业务对应的用户身份信息。
用户身份信息通常是申请办理贷款业务的用户的有效身份证件上所记载的信息，有效身份证件包括但不限于居民身份证、护照、军官证、外国人居 留证等，用户身份信息包括但不限于用户的姓名、性别、民族、生日、身份证号和地址等。
网点客户端采集用户身份信息的方法主要有以下三种：(1)、银行业务员在网点客户端中输入用户的有效身份证件上记载的文字形式的用户身份信息，则网点客户端采集到文字形式的用户身份信息。(2)、网点客户端安装在网点终端上，网点终端通常是平板电脑之类的便携式设备，方便银行业务员携带上门为用户处理，网点终端具有拍照功能，网点终端拍摄用户的有效身份证件的图片，使得网点客户端采集到图片形式的用户身份信息，由银行***对图片进行图像识别获得用户身份信息。(3)、与情况(2)类似，网点终端拍摄用户的有效身份证件的图片，然后由网点终端对图片进行图像识别获得用户身份信息，使得网点客户端采集到文字形式的用户身份信息。本申请对具体使用的采集方法不做限定。
步骤130，银行***根据用户身份信息检测用户是否具有贷款办理资质，贷款办理资质的评估主要包括两部分：身份信息验证查询和信用评定。
在身份信息验证查询部分，银行***对用户身份信息的真实性进行验证查询，具体的，目前的银行***几乎都与公安部数据库联网，公安部数据库中记录有各个公民相关的实名信息，则银行***将用户身份信息发送给公安部数据库进行查验，公安部数据库会检验用户身份信息是否与记录的信息相符，若相符则表示用户身份信息真实，否则表示用户身份信息虚假，公安部数据库会将查询结果反馈给银行***，银行***根据公安部数据库返回的结果即能确定用户身份信息的真实性。
执行身份信息验证查询部分后，银行***若确定用户身份信息真实，则银行***继续对用户进行信用评定；银行***若确定用户身份信息虚假，则银行***直接确定用户不具有贷款办理资质，不需要继续执行信用评定部分的操作。
信用评定部分的具体过程如下：
(1)、目前的银行***大都与征信平台联网，银行***可以利用征信平台获取用户的信用报告，则银行***向征信平台发送用户身份信息，征信平台可以是中国人民银行征信中心、国家企业信用信息公示***等。
(2)、征信平台接收到用户身份信息，根据用户身份信息查询并生成用户的信用报告，信用报告中通常包括个人信息、信用交易信息以及其他信息，信用交易信息中通常包括信贷记录汇总、资产处置信息、***信息、贷款信息、担保信息以及公共记录等，其他信息主要包括个人公积金、养老金信息等。征信平台将生成的信用报告返回给银行***。
(3)、银行***接收征信平台返回的该用户的信用报告并按照预设策略根据信用报告对用户进行信用评定，预设策略可以由自定义。
比如，一种信用评定的预设策略为：银行***查询信用报告中是否包括信用不良记录，信用不良记录主要包括：***、住房贷款、汽车消费贷款和个人消费贷款等还款逾期记录、民事判决、强制执行、行政处罚等。当信用报告中不包括信用不良记录时，确定信用评定通过，当包括信用不良记录时，确定信用评定不通过；又或者，当信用不良记录的项数少于设定数量时，确定信用评定通过，否则不通过。
执行信用评定部分后，若银行***确定用户的信用评定通过，则银行***确定用户具有贷款办理资质；若银行***确定用户的信用评定不通过，则银行***确定用户不具有贷款办理资质。
步骤140，在检测到用户具有贷款办理资质时，银行***向网点客户端反馈审核通过结果，网点客户端接收到审核通过结果后继续执行下列步骤。在检测到用户不具有贷款办理资质时，银行***向网点客户端反馈审核驳回结果，网点客户端接收到审核驳回结果后，不需要再在银行***中录入该项贷款业务的相关信息，银行***可以进一步删除该项贷款业务已经录入的所有信息，也即银行***后续不需要再对该项贷款业务进行处理。
步骤150，网点客户端在接收到审核通过结果时，将采集到的用户的经济 状况信息录入至银行***中作为贷款业务对应的经济状况信息，经济状况信息用于反应申请办理该贷款业务的用户的经济状况，包括但不限于用户的单位性质、职位、工作年限、文化程度、婚姻状况、收入水平、住宅情况、负债情况以及名下不动产信息中的至少一种。网点客户端采集用户经济状况信息的方法可以参考步骤120中其采集用户身份信息的方法，本申请不再赘述。另外，网点客户端在用户提交贷款业务办理申请后，就可以开始采集经济状况信息了，在银行***对用户进行贷款办理资质检测的过程中，网点客户端也同步采集经济状况信息。
步骤160，银行***对经济状况信息的真伪进行验证查询，通常是利用与银行***联网的一些第三方***来验证的，比如通过“中国高等教育学生信息咨询***”验证文化程度的真实性，再比如通过“房产管理局***”验证房产信息的真实性，本申请不一一举例说明。当银行***验证确定经济状况信息中存在虚假信息时，返回结果给网点客户端提示进行修改。
当银行***验证确定经济状况信息中的各项信息均属实时，银行***按照预设的评分方式根据经济状况信息对用户进行贷款评分得到用户对应的贷款评分结果，预设的评分方式可以由银行***自定义。比如，一种评分方式为：先为经济状况信息中的各项信息分配不同的最高分值，再为每一项信息对应的各种选项分配不同的分值。一种例子为：贷款评分总分为100分，设定经济状况信息中的文化程度占10分、单位性质占15分、工作年限占15分、收入水平占20分、住宅情况占20分、存款及投资占20分。其中，比如对于文化程度来说，又进一步设定：研究生及以上对应10分，本科对应7分，大专对应5分，高中/中专对应3分，其他对应1分。再比如对应存款及投资来说，进一步设定：30万以上对应20分，10～30万对应12分，10万左右对应8分，5万～10万对应3分，5万以下对应0分。则定义完成后，即可确定用户的经济状况信息中每一项信息的分值，相加得到的总分值即为该用户的贷款评分结果。
步骤170，用户的贷款评分结果分值越高，表示用户的经济状况越优良，用户的还款能力越优，因此不同的贷款评分结果对应不同的贷款额度，贷款评分结果与贷款额度的对应关系可以自定义，比如可以定义为：贷款评分结果在71～80分范围内对应贷款额度为30w，贷款评分结果在61～70分范围内对应贷款额度为20w等等。银行***根据用户的贷款评分结果来发放贷款，比如用户的贷款评分结果为65分时，银行***可以确定为用户发放20w贷款；或者在实际情况中，用户在申请办理贷款业务时，通常会申请贷款数额，比如用户申请贷款15w，则银行***则检测到用户的贷款评分结果对应的贷款数额超过用户申请的贷款数额时，向用户发放其申请的贷款数额，若用户的贷款评分结果对应的贷款数额未达到用户申请的贷款数额，则银行***可以向用户发放最高的贷款数额或者提示用户补充经济状况信息重新进行贷款评分。比如用户的贷款评分结果为65分时，银行***可以确定对应的贷款数额为20w，在用户申请的贷款数额为15w的情况下，银行***可以向用户发放15w贷款。
步骤180，贷款办理资质审核以及贷款评分都完成后，需要将该项贷款业务有关的所有贷款业务材料的图像副本通过银行***提供的材料上传页面录入到银行***中与贷款业务对应存储，作为材料备份和证明，贷款业务材料包括用户的有效身份证件以及经济状况信息中的信息的证明材料。银行业务员和普通用户都具有银行***提供的登录材料上传页面的权限，图像副本的录入方法包括以下两种情况：
第一种情况，图像副本由银行业务员录入。在这种情况中，银行业务员通过网点客户端登录银行***提供的材料上传页面，则银行***向网点客户端提供材料上传页面，网点客户端获取贷款业务材料的图像副本，并通过材料上传页面将图像副本录入至银行***中作为该项贷款业务对应的图像副本。网点客户端是通过其所在的网点终端来获取图像副本的，网点终端可以通过拍摄或扫描的方式得到贷款业务材料的图像副本。
第二种情况，图像副本由申请贷款业务的用户自行录入。在这种情况中，网点客户端向用户客户端提供标识码，用户客户端是用户登录使用的客户端，用户客户端安装在用户终端上，用户终端是用户使用的智能手机或平板电脑之类的设备。网点客户端向用户客户端提供的标识码中包括银行***提供的材料上传页面的页面地址，该标识码可以采用二维码或条形码形式，另外为了保证安全性，该标识码具有一定的有效时长，其生成的时长达到预设时长时失效，预设时长可以自定义设置。用户客户端获取贷款业务材料的图像副本，与第一种情况类似，用户客户端也是通过其所在的用户终端来获取图像副本的，用户客户端识别标识码或者借助用户终端内置的摄像头模组扫描二维码，在用户客户端识别网点客户端提供的标识码时，银行***向用户客户端提供材料上传页面使得用户客户端跳转至材料上传页面，然后用户客户端将图像副本录入至银行***中作为贷款业务对应的图像副本。
无论是由银行业务员上传图像副本还是由用户自行上传图像副本，都可以一次性上传所有的图像副本或者分批次上传，在获取到部分材料的图像副本时可以先行上传，无需等待材料齐全，随时随地随量上传，且可以一部分由银行业务员上传，一部分用户自行上传，灵活性较高，
实施例二
本实施例的一种贷款业务处理方法，该实施例通过银行***的执行过程对该方法进行介绍，包括如下步骤：
步骤1，接收网点客户端录入的贷款业务对应的用户身份信息，用户身份信息是网点客户端采集的申请办理贷款业务的用户的身份信息，网点客户端是银行业务员登录使用的客户端。
步骤2，根据用户身份信息检测用户是否具有贷款办理资质。
步骤3，在检测到用户具有贷款办理资质时，向网点客户端反馈审核通过结果。
步骤4，在检测到用户不具有贷款办理资质时，向网点客户端反馈审核驳回结果，并删除贷款业务对应的信息。
步骤5，接收网点客户端在接收到审核通过结果后录入的贷款业务对应的经济状况信息，经济状况信息用于反应申请办理贷款业务的用户的经济状况。
步骤6，按照预设的评分方式根据经济状况信息对用户进行贷款评分得到用户对应的贷款评分结果。
步骤7，根据贷款评分结果发放贷款。
步骤8，向网点客户端提供材料上传页面，并接收网点客户端在材料上传页面录入的贷款业务对应的图像副本，图像副本是网点客户端获取的贷款业务的贷款业务材料的图像副本。或者，在用户客户端识别网点客户端提供的标识码时，向用户客户端提供材料上传页面，并接收用户客户端在材料上传页面录入的贷款业务对应的图像副本，标识码中包括材料上传页面的页面地址，图像副本是用户客户端获取的贷款业务的贷款业务材料的图像副本，用户客户端是用户登录使用的客户端。其中，贷款业务材料包括用户的有效身份证件以及经济状况信息中的信息的证明材料。
银行***通过执行上述步骤1-8实现本实施例的贷款业务处理方法的具体方法和过程可以参照上述实施例一中的内容，本实施例不再详细展开，也不再附图说明。
实施例三
请参考图2，示出了一种贷款业务处理装置，在本实施例，贷款业务处理装置200可以包括或被分割成一个或多个程序模块，该一个或多个程序模块被存储在存储介质中，并由一个或多个处理器所执行，已完成实施例二公开的银行***所执行的贷款业务处理方法。本申请所称的程序模块是指能够完成特定功能的一系列计算机程序指令段，比程序本身更适合于描述贷款业务处理装置200在存储介质中的执行过程。以下描述将具体介绍本实施例各程 序模块的功能：
第一信息接收模块210，用于接收网点客户端录入的贷款业务对应的用户身份信息，用户身份信息是网点客户端采集的申请办理贷款业务的用户的身份信息，网点客户端是银行业务员登录使用的客户端。
资质检测模块220，用于根据用户身份信息检测用户是否具有贷款办理资质，该资质检测模块220包括如下几个子模块，请参考图3：
验证子模块221，对用户身份信息的真实性进行验证查询；
执行子模块222，用于在确定用户身份信息真实时，向征信平台发送用户身份信息；在确定用户身份信息虚假时，确定用户不具有贷款办理资质；
评定子模块223，接收征信平台返回的用户的信用报告并按照预设策略根据信用报告对用户进行信用评定，信用报告是征信平台接收到用户身份信息后，根据用户身份信息查询并生成的报告；
确定子模块224，在确定信用评定通过时，确定用户具有贷款办理资质；在确定信用评定未通过时，确定用户不具有贷款办理资质。
结果反馈模块230，用于在检测到用户具有贷款办理资质时，向网点客户端反馈审核通过结果。
审核驳回模块240，用于在检测到用户不具有贷款办理资质时，向网点客户端反馈审核驳回结果，并删除贷款业务对应的信息。
第二信息接收模块250，用于接收网点客户端在接收到审核通过结果后录入的贷款业务对应的经济状况信息，经济状况信息用于反应申请办理贷款业务的用户的经济状况。
贷款评分模块260，用于按照预设的评分方式根据经济状况信息对用户进行贷款评分得到用户对应的贷款评分结果。
贷款发放模块270，用于根据贷款评分结果发放贷款。
实施例四
请参阅图4，本实施例提供了一种计算机设备，图4是该计算机设备一实施例的硬件架构示意图，该计算机设备实现成为本专利中的银行***。在本实施例中，计算机设备是一种能够按照事先设定或者存储的指令，自动进行信息处理的设备。该计算机设备可以由机架式服务器、刀片式服务器、塔式服务器或机柜式服务器(包括独立的服务器，或者多个服务器所组成的服务器集群)等实现。如图所示，所述计算机设备400至少包括，但不限于，可通过***总线相互通信连接的存储器410、处理器420以及网络接口430。其中：
存储器410至少包括一种类型的计算机可读存储介质，可读存储介质包括闪存、硬盘、多媒体卡、卡型存储器(例如，SD或DX存储器等)、随机访问存储器(RAM)、静态随机访问存储器(SRAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、可编程只读存储器(PROM)、磁性存储器、磁盘、光盘等。在一些实施例中，存储器410可以是计算机设备400的内部存储模块，例如该计算机设备400的硬盘或内存。在另一些实施例中，存储器410也可以是计算机设备400的外部存储设备，例如该计算机设备400上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。当然，存储器410还可以既包括计算机设备400的内部存储模块也包括其外部存储设备。本实施例中，存储器410通常用于存储安装于计算机设备400的操作***和各类应用软件，例如实施例三提供的贷款业务处理装置200的程序代码等。此外，存储器410还可以用于暂时地存储已经输出或者将要输出的各类数据。
处理器420在一些实施例中可以是中央处理器(Central Processing Unit，CPU)、控制器、微控制器、微处理器、或其他数据处理芯片。该处理器420通常用于控制计算机设备400的总体操作，例如执行与计算机设备400进行数据交互或者通信相关的控制和处理等。本实施例中，处理器420用于运行存储器21中存储的程序代码或者处理数据，例如运行实施例三提供的贷款业 务处理装置200的程序代码。
网络接口430可包括无线网络接口或有线网络接口，该网络接口430通常用于在计算机设备400与其他电子装置之间建立通信连接。例如，网络接口430用于通过网络将计算机设备400与外部终端相连，在计算机设备400与外部终端之间的建立数据传输通道和通信连接等。网络可以是企业内部网(Intranet)、互联网(Internet)、全球移动通讯***(Global System of Mobile communication，GSM)、宽带码分多址(Wideband Code Division Multiple Access，WCDMA)、4G网络、5G网络、蓝牙(Bluetooth)、Wi-Fi等无线或有线网络。
需要指出的是，图4仅示出了具有存储器410、处理器420以及网络接口430的计算机设备400，但是应理解的是，并不要求实施所有示出的部件，可以替代的实施更多或者更少的部件。
实施例五
本实施例提供一种计算机可读存储介质，该计算机可读存储介质上存储有实施例三提供的贷款业务处理装置200的程序代码，该贷款业务处理装置200被一个或多个处理器执行时实现上述实施例二提供的贷款业务处理方法。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。。

Claims (20)

  1. 一种贷款业务处理方法，其特征在于，所述方法包括：
    接收网点客户端录入的贷款业务对应的用户身份信息，所述用户身份信息是所述网点客户端采集的申请办理所述贷款业务的用户的身份信息，所述网点客户端是银行业务员登录使用的客户端；
    根据所述用户身份信息检测所述用户是否具有贷款办理资质；
    在检测到所述用户具有贷款办理资质时，向所述网点客户端反馈审核通过结果；
    接收所述网点客户端在接收到所述审核通过结果后录入的所述贷款业务对应的经济状况信息，所述经济状况信息用于反应申请办理所述贷款业务的用户的经济状况；
    按照预设的评分方式根据所述经济状况信息对所述用户进行贷款评分得到所述用户对应的贷款评分结果；
    根据所述贷款评分结果发放贷款。
  2. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    向所述网点客户端提供材料上传页面，并接收所述网点客户端在所述材料上传页面录入的所述贷款业务对应的图像副本，所述图像副本是所述网点客户端获取的所述贷款业务的贷款业务材料的图像副本；
    或者，在用户客户端识别所述网点客户端提供的标识码时，向所述用户客户端提供材料上传页面，并接收所述用户客户端在所述材料上传页面录入的所述贷款业务对应的图像副本，所述标识码中包括所述材料上传页面的页面地址，所述图像副本是所述用户客户端获取的所述贷款业务的贷款业务材料的图像副本，所述用户客户端是所述用户登录使用的客户端；
    其中，所述贷款业务材料包括所述用户的有效身份证件以及所述经济状况信息中的信息的证明材料。
  3. 根据权利要求2所述的方法，其特征在于，所述网点客户端向所述用户客户端提供的标识码在生成的时长达到预设时长时失效。
  4. 根据权利要求1至3任一所述的方法，其特征在于，所述根据所述用户身份信息检测所述用户是否具有贷款办理资质，包括：
    对所述用户身份信息的真实性进行验证查询；
    在确定所述用户身份信息真实时，向征信平台发送所述用户身份信息；在确定所述用户身份信息虚假时，确定所述用户不具有贷款办理资质；
    接收所述征信平台返回的所述用户的信用报告并按照预设策略根据所述信用报告对所述用户进行信用评定，所述信用报告是所述征信平台接收到所述用户身份信息后，根据所述用户身份信息查询并生成的报告；
    在确定信用评定通过时，确定所述用户具有贷款办理资质；在确定信用评定未通过时，确定所述用户不具有贷款办理资质。
  5. 根据权利要求1至3任一所述的方法，其特征在于，所述经济状况信息包括所述用户的单位性质、职位、工作年限、文化程度、婚姻状况、收入水平、住宅情况、负债情况以及名下不动产信息中的至少一种。
  6. 根据权利要求1至3任一所述的方法，其特征在于，所述方法还包括：
    在检测到所述用户不具有贷款办理资质时，向所述网点客户端反馈审核驳回结果，并删除所述贷款业务对应的信息。
  7. 一种贷款业务处理装置，其特征在于，所述装置包括：
    第一信息接收模块，用于接收网点客户端录入的贷款业务对应的用户身份信息，所述用户身份信息是所述网点客户端采集的申请办理所述贷款业务的用户的身份信息，所述网点客户端是银行业务员登录使用的客户端；
    资质检测模块，用于根据所述用户身份信息检测所述用户是否具有贷款办理资质；
    结果反馈模块，用于在检测到所述用户具有贷款办理资质时，向所述网点客户端反馈审核通过结果；
    第二信息接收模块，用于接收所述网点客户端在接收到所述审核通过结果后录入的所述贷款业务对应的经济状况信息，所述经济状况信息用于反应申请办理所述贷款业务的用户的经济状况；
    贷款评分模块，用于按照预设的评分方式根据所述经济状况信息对所述用户进行贷款评分得到所述用户对应的贷款评分结果；
    贷款发放模块，用于根据所述贷款评分结果发放贷款。
  8. 根据权利要求7所述的装置，其特征在于，所述装置还包括：
    审核驳回模块，用于在检测到所述用户不具有贷款办理资质时，向所述网点客户端反馈审核驳回结果，并删除所述贷款业务对应的信息。
  9. 一种计算机设备，其特征在于，所述计算机设备包括存储器、处理器以及存储在所述存储器上并可在处理器上运行的计算机程序，所述处理器执行所述计算机程序时实现贷款业务处理方法的以下步骤：
    接收网点客户端录入的贷款业务对应的用户身份信息，所述用户身份信息是所述网点客户端采集的申请办理所述贷款业务的用户的身份信息，所述网点客户端是银行业务员登录使用的客户端；
    根据所述用户身份信息检测所述用户是否具有贷款办理资质；
    在检测到所述用户具有贷款办理资质时，向所述网点客户端反馈审核通过结果；
    接收所述网点客户端在接收到所述审核通过结果后录入的所述贷款业务对应的经济状况信息，所述经济状况信息用于反应申请办理所述贷款业务的用户的经济状况；
    按照预设的评分方式根据所述经济状况信息对所述用户进行贷款评分得到所述用户对应的贷款评分结果；
    根据所述贷款评分结果发放贷款。
  10. 根据权利要求9所述的计算机设备，其特征在于，所述方法还包括：
    向所述网点客户端提供材料上传页面，并接收所述网点客户端在所述材 料上传页面录入的所述贷款业务对应的图像副本，所述图像副本是所述网点客户端获取的所述贷款业务的贷款业务材料的图像副本；
    或者，在用户客户端识别所述网点客户端提供的标识码时，向所述用户客户端提供材料上传页面，并接收所述用户客户端在所述材料上传页面录入的所述贷款业务对应的图像副本，所述标识码中包括所述材料上传页面的页面地址，所述图像副本是所述用户客户端获取的所述贷款业务的贷款业务材料的图像副本，所述用户客户端是所述用户登录使用的客户端；
    其中，所述贷款业务材料包括所述用户的有效身份证件以及所述经济状况信息中的信息的证明材料。
  11. 根据权利要求10所述的计算机设备，其特征在于，所述网点客户端向所述用户客户端提供的标识码在生成的时长达到预设时长时失效。
  12. 根据权利要求9至11任一所述的计算机设备，其特征在于，所述根据所述用户身份信息检测所述用户是否具有贷款办理资质，包括：
    对所述用户身份信息的真实性进行验证查询；
    在确定所述用户身份信息真实时，向征信平台发送所述用户身份信息；在确定所述用户身份信息虚假时，确定所述用户不具有贷款办理资质；
    接收所述征信平台返回的所述用户的信用报告并按照预设策略根据所述信用报告对所述用户进行信用评定，所述信用报告是所述征信平台接收到所述用户身份信息后，根据所述用户身份信息查询并生成的报告；
    在确定信用评定通过时，确定所述用户具有贷款办理资质；在确定信用评定未通过时，确定所述用户不具有贷款办理资质。
  13. 根据权利要求9至11任一所述的计算机设备，其特征在于，所述经济状况信息包括所述用户的单位性质、职位、工作年限、文化程度、婚姻状况、收入水平、住宅情况、负债情况以及名下不动产信息中的至少一种。
  14. 根据权利要求9至11任一所述的计算机设备，其特征在于，所述方法还包括：
    在检测到所述用户不具有贷款办理资质时，向所述网点客户端反馈审核驳回结果，并删除所述贷款业务对应的信息。
  15. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质内存储有计算机程序，所述计算机程序被至少一个处理器执行时实现贷款业务处理方法的以下步骤：接收网点客户端录入的贷款业务对应的用户身份信息，所述用户身份信息是所述网点客户端采集的申请办理所述贷款业务的用户的身份信息，所述网点客户端是银行业务员登录使用的客户端；
    根据所述用户身份信息检测所述用户是否具有贷款办理资质；
    在检测到所述用户具有贷款办理资质时，向所述网点客户端反馈审核通过结果；
    接收所述网点客户端在接收到所述审核通过结果后录入的所述贷款业务对应的经济状况信息，所述经济状况信息用于反应申请办理所述贷款业务的用户的经济状况；
    按照预设的评分方式根据所述经济状况信息对所述用户进行贷款评分得到所述用户对应的贷款评分结果；
    根据所述贷款评分结果发放贷款。
  16. 根据权利要求15所述的计算机可读存储介质，其特征在于，所述方法还包括：
    向所述网点客户端提供材料上传页面，并接收所述网点客户端在所述材料上传页面录入的所述贷款业务对应的图像副本，所述图像副本是所述网点客户端获取的所述贷款业务的贷款业务材料的图像副本；
    或者，在用户客户端识别所述网点客户端提供的标识码时，向所述用户客户端提供材料上传页面，并接收所述用户客户端在所述材料上传页面录入的所述贷款业务对应的图像副本，所述标识码中包括所述材料上传页面的页面地址，所述图像副本是所述用户客户端获取的所述贷款业务的贷款业务材料的图像副本，所述用户客户端是所述用户登录使用的客户端；
    其中，所述贷款业务材料包括所述用户的有效身份证件以及所述经济状况信息中的信息的证明材料。
  17. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述网点客户端向所述用户客户端提供的标识码在生成的时长达到预设时长时失效。
  18. 根据权利要求15至17任一所述的计算机可读存储介质，其特征在于，所述根据所述用户身份信息检测所述用户是否具有贷款办理资质，包括：
    对所述用户身份信息的真实性进行验证查询；
    在确定所述用户身份信息真实时，向征信平台发送所述用户身份信息；在确定所述用户身份信息虚假时，确定所述用户不具有贷款办理资质；
    接收所述征信平台返回的所述用户的信用报告并按照预设策略根据所述信用报告对所述用户进行信用评定，所述信用报告是所述征信平台接收到所述用户身份信息后，根据所述用户身份信息查询并生成的报告；
    在确定信用评定通过时，确定所述用户具有贷款办理资质；在确定信用评定未通过时，确定所述用户不具有贷款办理资质。
  19. 根据权利要求15至17任一所述的计算机可读存储介质，其特征在于，所述经济状况信息包括所述用户的单位性质、职位、工作年限、文化程度、婚姻状况、收入水平、住宅情况、负债情况以及名下不动产信息中的至少一种。
  20. 根据权利要求15至17任一所述的计算机可读存储介质，其特征在于，所述方法还包括：
    在检测到所述用户不具有贷款办理资质时，向所述网点客户端反馈审核驳回结果，并删除所述贷款业务对应的信息。
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