Financial risk control method

• Main Authors: KONG YIRU, REN SIYING, YUAN YUZHE, CHENG XIAOWEI, GE CAN
• Format: Patent
• Language: Chinese; English
• Published: 23.11.2018
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention discloses a financial risk control method. The method comprises the following steps: 1) acquiring basic information and a loan amount of a user by using an electronic device; 2) enablingthe electronic device to perform authenticity verification according to the basic information; 3) after the authenticity of the basic information is determined, enabling the electronic device to query a credit record and a repayment willingness according to the authenticity; and 4) enabling the electronic device to determine a risk grade according to the credit record, the repayment willingness and the loan amount. According to the financial risk control method, a control risk is effectively controlled, and the cost is reduced. 本发明公开了种金融风险控制的方法，所述方法包括如下步骤：1)利用电子设备获取用户的基本信息和贷款金额；2)电子设备依据该基本信息进行真实性验证；3)确定基本信息真实性后，电子设备依据该真实性查询带征信记录、还款意愿；3)电子设备依据该征信记录、还款意愿和贷款金额确定风险等级，本发明以有效的控制风险，降低成本。