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    • 6. 发明申请
    • CREDIT RISK CONTROL
    • 信用风险控制
    • WO2010022155A1
    • 2010-02-25
    • PCT/US2009/054323
    • 2009-08-19
    • ALIBABA GROUP HOLDING LIMITEDGAO, JingHU, XiaomingLU, WeiZHANG, XiuyunLI, FengZHANG, Zhengwei
    • GAO, JingHU, XiaomingLU, WeiZHANG, XiuyunLI, FengZHANG, Zhengwei
    • G06Q40/00
    • G06Q40/08G06Q40/02G06Q40/025
    • A method and a system of credit risk control use different incentive mechanisms for different type of users for post-loan credit risk control. The method classifies the user to one of several different user types based on the user information and a correspondence relationship between the user information and risk levels, and selects an appropriate incentive mechanism for risk control based on the user type. The incentive mechanisms may either be a positive incentive mechanism or a negative incentive mechanism depending on the user type. The incentive mechanisms are performed over a network, and are designed to encourage a user of good loan payment record but to discourage a user of bad loan payment record. The method and the system are particularly suited for risk control of repayment of various kinds of loans which are applied and disbursed over the Internet.
    • 信用风险控制的方法和制度对不同类型的用户使用不同的激励机制进行贷后信贷风险控制。 该方法基于用户信息和用户信息与风险级别之间的对应关系将用户分类为多种不同用户类型之一,并根据用户类型选择适当的风险控制激励机制。 激励机制可以是积极的激励机制,也可以是根据用户类型的否定激励机制。 激励机制是通过网络进行的,旨在鼓励用户提供良好的贷款支付记录,但是阻止用户不良贷款支付记录。 该方法和系统特别适用于偿付通过互联网应用和支付的各种贷款的风险控制。