LOAN APPROVAL METHOD AND APPARATUS BASED ON BLOCKCHAIN, NON-VOLATILE READABLE STORAGE MEDIUM AND ELECTRONIC DEVICE

摘要

A loan approval method and apparatus based on a blockchain, a non-volatile readable storage medium and an electronic device. The method is applied to a blockchain network storing credit authentication information of a loan manager, and comprises: receiving a loan approval request sent by the loan manager (S110); acquiring, from the loan approval request, identity authentication information of the loan manager (S120); acquiring, from the blockchain network, credit authentication information associated with the identity authentication information (S130); and generating loan approval information according to the credit authentication information, wherein the loan approval information comprises a loan approval result for the loan approval request (S140). The use of blockchain technology for storing the identity authentication information of loan managers can provide loan approval credentials for financial institutions, so as to facilitate the identification of loan applications with fraud risks, thereby reducing loan risks and reducing bad debt rates.