Method for automatically assessing risk of borrower in loan application process, involves combining information from applicant with information obtained from external data sources upon evaluation of credit-worthiness of applicant

摘要

The method involves structuring data of applicant for submission to external databases with purpose of interrogation credit ratings over the applicant and query data stored on the applicant soft and hard negative characteristics. Information is received from the applicant upon net worth, revenue and expenditure situation of user. The obtained information from the applicant is combined with information obtained from external data sources upon the evaluation of credit-worthiness of the applicant regarding loan requested by the user.