Credit approval method and device, server and medium

• Main Authors: LI ZHENGDAO, GUO SHIPING, ZHANG LIMEI, XIAO YAHONG, GUO XING, XIAO BING
• Format: Patent
• Language: Chinese; English
• Published: 25.06.2021
• 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 is suitable for the technical field of finance, and provides a credit approval method and device, a server and a medium. The method comprises the steps: receiving a credit application of a customer, the credit application comprising a loan amount and personal data; acquiring customer data of the customer according to the personal data; calculating the performance probability of the customer through a risk measurement and calculation model obtained through pre-training by adopting the customer data; if the fulfillment probability is greater than a preset threshold value, determining a credit line of the customer based on the fulfillment probability; and approving the credit application according to the credit limit and the loan amount. Through the method, the credit approval efficiency can be improved. 本申请适用于金融技术领域，提供了一种信贷审批方法、装置、服务器及介质，所述方法包括：接收客户的信贷申请，所述信贷申请包括贷款金额和个人资料；根据所述个人资料获取所述客户的客户数据；采用所述客户数据，通过预先训练得到的风险测算模型计算所述客户的履约概率；若所述履约概率大于预设阈值，则基于所述履约概率，确定所述客户的信贷额度；根据所述信贷额度和所述贷款金额，对所述信贷申请进行审批。通过上述方法，