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ABSTRACK This research is mainly to explore the reasons for the gap between bank appraisal and market prices, and then to improve the appraisal system based on actual price registration.we will introduce FinTech, innovate the business model of mortgage service, user experience, customer online services, collect big data, and innovate online appraisal systems. It is expected to effectively solve the problem of bank appraisal and market prices gaps, while improving customers Confidence in the bank. In the case study, taking the latest actual price registration case of Xindian dist Meihe City as a sample, the reserch found that among all appraisal systems, the system of the bank’s most conservative, real estate agency, and private company is closest to the actual price. Research to achieve the vision of inclusive financing is also provided to relevant practitioners as a reference for decision-making related policies.
Keywords:Actual price registration, A.I. appraisal model, FinTech, UX.
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