METHOD FOR ACQUIRING DATA DURING LENDING RESOURCE RECOMMENDATION, AND SMART RECOMMENDING AND PROMPTING SYSTEM

摘要

The present invention relates to the field of intelligent finance, and provides a method for acquiring data during lending resource recommendation, and a smart recommending and prompting system. The method comprises: recording the line of credit and the current loan demand information of a customer in a bank; determining whether the current loan demand of the customer exceeds the line of credit set for the customer by an institution; if not, determining that the lending conditions of the bank for the customer are satisfied, and providing prompt information of lending to the customer; and if yes, determining that it is not suitable to lend to the customer, recommending other lending resources of high risk preference to the customer, and sending technology usage data to a data acquisition end preset by the manufacturer. The invention is able to decrease the risks of a bank and improve financial services; in addition, by means of timely feedback after the technology is used, the manufacturer can also conveniently and effectively acquire usage information of the related technology in time.