Methods and systems for loan risk assessment in a smart city based on the internet of things

A system for loan risk assessment in a smart city based on an Internet of Things (IoT), wherein the system at least includes a user platform, a service platform, and a government management platform, wherein

• the user platform is configured to interact with a user;
• the service platform is configured to receive and transmit information;
• the government management platform is configured to perform operations including:
• obtaining a risk query request from a financial service platform, wherein the risk query request is generated in response to a loan request input by a loan object on the user platform;
• determining a related person of the loan object, wherein an income and expenditure situation of the related person is similar to that of the loan object;
• in response to the risk query request,
• determining, based on a population information platform, basic information of the loan object, wherein the basic information at least includes income and expenditure information;
• obtaining, based on the financial service platform, a first loan information of the loan object and a second loan information of the related person;
• determining, based on the basic information, the first loan information, and the second loan information, a loan risk of the loan object;
• and
• sending the loan risk to the financial service platform.