电e贷（个人消费/经营）

通过身份证号查询客户名下高压用电、低压非居民、低压居民用电账户推断客户房产情况，并结合征信、行内信息、三方信息、工商信息判断客户身份、资质进行纯线上授信、审批

Query high-voltage electricity, low-voltage non-residential, and low-voltage residential electricity accounts under a customer’s name via their ID number to infer their real estate situation. Then, combine credit reporting data, in-house banking information, third-party information, and industrial and commercial information to verify the customer’s identity and evaluate their qualifications, so as to conduct fully online credit granting and approval procedures.

搜集汇总

背景与挑战

背景概述

该数据集通过客户用电账户信息分析其房产状况，综合征信、工商等多方数据实现线上身份识别与信贷审批。