CREDIT ASSESSMENT METHOD AND APPARATUS FOR PERSONAL CREDIT LOAN USING SNS

摘要

The present invention relates to a credit assessment method and apparatus for a personal credit loan using an SNS. The credit assessment method for a personal credit loan according to an embodiment of the present invention comprises the steps of: receiving a desired loan amount, personal information and SNS data of a borrower from the borrower; calculating usage information analysis data based on the SNS data; determining a credit score based on the personal information and the usage information analysis data; providing some or all of the personal information, SNS data, usage information analysis data, and credit score to an investor; and receiving a loanable amount and an interest rate determined based on at least one among the personal information, SNS data, usage information analysis data, and credit score from the investor. According to the present invention, it is possible to proceed with a loan process more quickly by determining the loanable amount and interest rate based on the SNS data of the borrower without the conventional loan execution document.;COPYRIGHT KIPO 2018