FINANCING METHOD BASED ON FINANCIAL LIABILITY MATCHING RESULT OF CUSTOMER, AND INTELLIGENT FINANCING SYSTEM

摘要

A financing method based on a financial liability matching result of a customer, and an intelligent financing system. The method comprises: recording all financial liabilities and the line of credit of a customer in a bank (S101); reading customer information (S102); collecting statistics about the total amount of financial liabilities of the customer in this bank according to the financial liabilities corresponding to the customer information (S103); comparing the total amount of financial liabilities of the customer with the line of credit (S104); if the line of credit is not exceeded, transmitting to the customer a prompt that financing is recommended (S105); and if the line of credit is exceeded, transmitting to the customer a prompt that financing is not recommended (S106). An intelligent financing system identifies an insolvent customer, thereby effectively reducing the credit risk of a financial institution, such as a bank, improving the financing service efficiency, and strengthening the risk management capability of the bank.