CN108335188A - Rate of advance generation method, server and readable storage medium storing program for executing - Google Patents
Rate of advance generation method, server and readable storage medium storing program for executing Download PDFInfo
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- CN108335188A CN108335188A CN201710830927.1A CN201710830927A CN108335188A CN 108335188 A CN108335188 A CN 108335188A CN 201710830927 A CN201710830927 A CN 201710830927A CN 108335188 A CN108335188 A CN 108335188A
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Abstract
The invention discloses a kind of rate of advance generation method, server and readable storage medium storing program for executing, rate of advance generation method includes：When receiving the loan requests of user terminal transmission, the identity of client to be made loans is obtained according to loan requests；According to the identity, the loan qualification scoring of client to be made loans is obtained, and is scored according to the loan qualification, determines the risk class of client to be made loans；It obtains loan requests and corresponds to the base loan rate of loan product, and base loan rate is adjusted according to risk class, generate the practical rate of advance of client to be made loans.The present invention improves the evaluation efficiency and accuracy rate of rate of advance, can preferably adapt to the increased customer lending demand of loan financial system.
Description
Technical field
The present invention relates to financial services system technical field more particularly to a kind of rate of advance generation method, server and
Readable storage medium storing program for executing.
Background technology
With the development of the communication technology and software system development, software systems are gradually applied to financial field, especially exist
Loan financial field has obtained relatively broad application.Common loan financial system fills out single process, signing into realization to loan
Flow, flow of making loans carry out electronization and automation, there is no to the various rates of customer lending identify and generate automatically, need
It wants the various relevant informations of daemon personnel or approving person based on loan customer to carry out the artificial of rate of advance to distinguish and set
It sets, the rate of advance after artificial setting is then issued to loan shops system, so that shops staff is according to issuing loan
Rate is discussed business with client.But the artificial examination ＆ approval of rate of advance are low with setting efficiency, error rate is higher, can not adapt to borrow
The increased customer lending demand of money financial system.
Invention content
The main purpose of the present invention is to provide a kind of rate of advance generation method, server and readable storage medium storing program for executing, purports
, error rate higher technical problem low with setting efficiency is examined solving the artificial of rate of advance.
To achieve the above object, the embodiment of the present invention provides a kind of rate of advance generation method, and the rate of advance generates
Method includes：
When receiving the loan requests of user terminal transmission, the identity of client to be made loans is obtained according to loan requests；
According to the identity, the loan qualification scoring of client to be made loans is obtained, and is scored according to the loan qualification,
Determine the risk class of client to be made loans；
Obtain loan requests and correspond to the base loan rate of loan product, and according to risk class to base loan rate into
Row adjustment, generates the practical rate of advance of client to be made loans, and wherein risk class is higher, and corresponding rate of advance is higher.
Optionally, described that base loan rate is adjusted according to risk class, generate the practical loan of client to be made loans
The step of money rate includes：
The corresponding charging item of base loan rate is identified, if the charging item is fixed fee project,
Using the corresponding base loan rate of fixed fee project as practical rate of advance；
If the charging item is floating charging item, the base loan of floating charging item is taken according to risk class
Rate is adjusted, and generates the practical rate of advance of client to be made loans.
Optionally, the corresponding charging item of base loan rate includes preposition charge and other charging items, other charges
Project includes one or more in advisory fee, premium and Guarantee fee；
The described the step of corresponding charging item of base loan rate is identified includes：
If it is interior employee's loan that loan requests, which correspond to loan product, using all charging items as fixed fee item
Mesh；
If it is interior employee's loan that loan requests, which correspond to loan product not, using the project of preposition charge as fixed fee item
Mesh, using other charging items as floating charging item.
Optionally, the step of acquisition loan requests correspond to the base loan rate of loan product include：
The pattern of making loans of loan product and the loan product is determined according to loan requests；
According to the loan product of loan requests and pattern of making loans, the base loan rate of client to be made loans is determined.
Optionally, described according to the identity, the step of loan qualification scoring for obtaining client to be made loans, includes：
According to the identity of client to be made loans, the identity scoring of client to be made loans is determined, wherein identity information includes year
It is one or more in age, educational background and household register；
Corresponding identity information is identified according to client identity to be made loans, is waited for from bank credit system or third party system acquisition
It makes loans the air control information of client, and determines that the air control of client to be made loans is scored according to air control information；
According to identity scoring and air control scoring, the loan qualification scoring of client to be made loans is generated.
Optionally, the identity information of basis client to be made loans determines the step of identity of client to be made loans scores：
If the age of client to be made loans is in default age range, client age initial score to be made loans is assigned, wherein in advance
If the minimum value of age range is default minimum, maximum value is default maximum；
If the age of client to be made loans is more than default maximum, according to the difference at the age of client to be made loans and default maximum
Value carries out deduction to age initial score, and the wherein difference is bigger, and deduction is more；By age initial score or deduction, treated
Age initial score is as the first scoring；
It according to the educational background of client to be made loans, assigns the client second to be made loans and scores, wherein educational background is higher, the second scoring is got over
It is high；
According to the first scoring and the second scoring, the identity scoring of client to be made loans is determined.
Optionally, described according to the first scoring and the second scoring, determine that the step of identity of client to be made loans scores includes：
Judge whether the household register of client to be made loans is consistent with applicant city, if the household register of client to be made loans and applicant city one
It causes, then assigns client's third scoring to be made loans；
By the sum of the first scoring, the second scoring and third scoring, the identity as client to be made loans scores.
Optionally, described the step of being scored with air control according to identity scoring, generating the loan qualification scoring of client to be made loans
Including：
According to the identity information of client to be made loans, the job information of client to be made loans is obtained, according to the job information, really
Surely the work scoring of client to be made loans, wherein job information include one continued in income proof, work proof and job category
Item is multinomial；
According to identity scoring, work scoring and air control scoring, the loan qualification scoring of client to be made loans is generated.
The present invention also provides a kind of server, the server includes：Memory, processor and it is stored in the memory
Rate of advance that is upper and can running on the processor generates program, and the rate of advance generates program and held by the processor
It is realized such as the step of above-mentioned rate of advance generation method when row.
The present invention also provides a kind of readable storage medium storing program for executing, it is stored with rate of advance on the readable storage medium storing program for executing and generates journey
Sequence, the rate of advance are generated when program is executed by processor and are realized such as the step of above-mentioned rate of advance generation method.
The present invention according to loan requests by when receiving the loan requests of user terminal transmission, obtaining client's to be made loans
Identity；According to the identity, the loan qualification scoring of client to be made loans is obtained, and is commented according to the loan qualification
Point, determine the risk class of client to be made loans；The base loan rate that loan requests correspond to loan product is obtained, and according to risk
Grade is adjusted base loan rate, generates the practical rate of advance of client to be made loans, complicated cumbersome without carrying out
Worker's rate of advance evaluation and setting, or can to rate of advance manually evaluate provide compared with high reference, greatly improve loan
The evaluation efficiency and accuracy rate of money rate can preferably adapt to the increased customer lending demand of loan financial system.
Description of the drawings
The hardware architecture diagram of Fig. 1 optional servers of each embodiment one to realize the present invention；
Fig. 2 is the flow diagram of one embodiment of customer lending qualification generation method of the present invention；
Fig. 3 is the refinement flow diagram of mono- embodiments of step S30 in Fig. 2；
Fig. 4 is the refinement flow diagram of mono- embodiments of step S20 in Fig. 2.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
In subsequent description, using for indicating that the suffix of such as " module ", " component " or " unit " of element is only
The explanation for being conducive to the present invention, itself does not have a specific meaning.Therefore, " module ", " component " or " unit " can mix
Ground uses.
User terminal is substantially terminal device, and terminal can be implemented in a variety of manners.For example, user described in the present invention
End may include such as mobile phone, tablet computer, laptop, palm PC, personal digital assistant (Personal Digital
Assistant, PDA) etc. the fixed terminals such as mobile terminals, and number TV, desktop computer.
As shown in Figure 1, server of the present invention may include：Processor 1001, such as CPU, network interface 1004, Yong Hujie
Mouth 1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is logical for realizing the connection between these components
Letter.User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), and optional user connects
Mouth 1003 can also include standard wireline interface and wireless interface.Network interface 1004 may include optionally the wired of standard
Interface, wireless interface (such as WI-FI interfaces).Memory 1005 can be high-speed RAM memory, can also be stable memory
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
Optionally, server can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, sound
Frequency circuit, WiFi module etc..Wherein, sensor such as optical sensor, motion sensor and other sensors.
It will be understood by those skilled in the art that server architecture shown in Fig. 1 does not constitute the restriction to server, it can
To include either combining certain components or different components arrangement than illustrating more or fewer components.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage media
Believe that module, Subscriber Interface Module SIM and rate of advance generate program.
In server shown in Fig. 1, network interface 1004 is mainly used for connecting parent server and database, with higher level
Server and database are into row data communication；User interface 1003 be mainly used for connect client (user terminal), with client into
Row data communication；And processor 1001 can be used for calling the rate of advance stored in memory 1005 to generate program, and execute
It operates below：
When receiving the loan requests of user terminal transmission, the identity of client to be made loans is obtained according to loan requests；
According to the identity, the loan qualification scoring of client to be made loans is obtained, and is scored according to the loan qualification,
Determine the risk class of client to be made loans；
Obtain loan requests and correspond to the base loan rate of loan product, and according to risk class to base loan rate into
Row adjustment, generates the practical rate of advance of client to be made loans, and wherein risk class is higher, and corresponding rate of advance is higher.
In addition, processor 1001 can be used for calling the rate of advance stored in memory 1005 to generate program, and execute
Above-mentioned each embodiment step of rate of advance generation method.
The present invention also provides a kind of rate of advance generation method, which is mainly used in server
In financial system of providing a loan, in one embodiment of rate of advance generation method, with reference to Fig. 2, rate of advance generation method includes：
Step S10 obtains the body of client to be made loans according to loan requests when receiving the loan requests of user terminal transmission
Part mark；
User terminal is generally located in loan shops (computer that such as mobile phone shop, electric appliance market China and foreign countries stay), when with loan
The client of demand enters loan shops with after field sales representative communication, and the user terminal that representative of sales ＆ marketing enters shops logs in loan gold
Melt system, to which user terminal sends loan requests to server, before sending loan requests, representative of sales ＆ marketing can there will be demand for loan
The related identification information of client is uploaded to server, and identity information includes：Identity card scanned copy, name, age, native place, work
Address, work unit, my contact method, associate people (such as relative, friend) contact method etc., wherein identity can be with
For client's fingerprint, customer's identity card number, client's face-image etc..When server receive user terminal transmission loan requests, it is right
Loan requests are parsed, and the identity of the client to be made loans entrained by loan requests is obtained, and wherein loan requests are sale
Represent the user terminal in shops log in loan financial system fill in it is transmitted after necessary data.
Step S20 obtains the loan qualification scoring of client to be made loans, and score according to loan qualification according to identity,
Determine the risk class of client to be made loans；
After the identity for getting client to be made loans, the identity letter of client to be made loans can be obtained according to identity
Breath, air control information, refund information of current loan etc. determine the loan qualification scoring of client to be made loans, wherein loan qualification is commented
It is point higher, show that the overdue refund of client or the risk that do not refund are lower, to which the risk class of client to be made loans is lower.It is corresponding
Ground, loan qualification scoring is lower, then the risk class of client to be made loans is higher.
In addition, after the loan requests for receiving user terminal transmission, it can first judge whether city where user terminal is pilot
City, if city where user terminal is not experimental city, the auditor that can continue to use the acquiescence of loan financial system interviews confirmation
Customer lending qualification carries out subsequent step flow if city where user terminal is experimental city, such as executes step S20.Pilot
The setting principle in city is：Resident's relevant information degree in city, such as three or four line cities, for social security, common reserve fund, annuity
It is not very universal to pay, enterprise units operation registration is not very regular, for the relevant work shape of the identity information of loan customer
State, income state can not be obtained accurately, be unfavorable for the evaluation of customer lending qualification, therefore pilot city is not done in three or four line cities generally
City；Opposite, a tier 2 cities (such as Beijing, Shanghai, Guangzhou, Shenzhen city) are conducive to the evaluation of customer lending qualification, therefore
One tier 2 cities generally do experimental city.
After loan financial system receives identity, identity is analyzed, obtains client's to be made loans
City where age and permanent residence.Specifically, it can be associated with identity card relevant information according to identity, visitor to be made loans is calculated
The age at family can be associated with permanent residence register information or identity-based mark from government system (such as public security system according to identity
System, banking system, social security sector etc.) obtain city where the permanent residence of client to be made loans.
Compare age and city where default minimum (such as 25 years old) and permanent residence and the user terminal institute of client to be made loans
Applicant city show that client age to be made loans is less than normal if the age of client to be made loans is less than default minimum, be not suitable for gold
Melt loan, the age of client such as to be made loans is less than 25 years old, and client can not also accurately recognize form and the client couple of financial credit
The repaying ability of loan is limited, therefore the scoring of such customer lending qualification is zero or loan qualification scoring is very low；If visitor to be made loans
City where family permanent residence is inconsistent with applicant city, shows that this application client (client i.e. to be made loans) is only short stay in Shen
Please city, be unfavorable for follow-up during refund of subsequently providing a loan, if the applicant city of client is Shenzhen, but the client's is normal
City where residence is Shanghai, and the client is possible in the presence of higher bad credit, if client returns to Shanghai after Shenzhen is borrowed money, if not in time
It refunds, has then increased considerably and urged money cost and difficulty.So being less than default minimum or often at the age of client to be made loans
City and the applicant city where user terminal are inconsistent where residence, and the loan qualification scoring of the client to be made loans is zero.
If the age of client to be made loans is greater than or equal to default minimum, and where city where permanent residence and user terminal
Applicant city is consistent, then obtains the identity pair from the financial systems such as banking system or petty load platform according to identity
The air control information of client is answered, which may include reference report, loan documentation, record of refunding, bad credit record etc..And then root
Identity information and the associated air control information of the identity information are corresponded to according to identity, the loan qualification for generating client to be made loans is commented
Point.
Step S30 obtains the base loan rate that loan requests correspond to loan product, and is borrowed to basis according to risk class
Money rate is adjusted, and generates the practical rate of advance of client to be made loans, and wherein risk class is higher, and corresponding rate of advance is got over
It is high.
Based on the loan requests that user terminal is sent, the type of the applied loan product of client, different type loan production are confirmed
The base loan rate of product is different, and wherein base loan rate refers to that all kinds of charging item charges of each loan product account for overall loan
The leisurely underlying scale of item, such as loan product includes life insurance loan, salary loan, car owner's loan, owner's loan, employee's loan, excellent housing loan etc.,
Charging item includes preposition charge, advisory fee, premium, Guarantee fee etc., such as the basis of preposition charge of all kinds of loan products is borrowed
Money rate is equal, and the base loan rate of such as preposition charge of all kinds of loan products is 3%, in addition, base loan rate is solid
It is fixed, it is not associated with customer risk grade.Such as excellent housing loan, car owner are borrowed and business is borrowed etc. has certain requirements loan to fixed assets
The base loan rate of all kinds of charging items of product is more than salary and borrows the base loan rate for borrowing all kinds of charging items with life insurance, example
If the base loan rate of excellent housing loan advisory fee and premium is respectively 0.43% and 0.32%, salary borrows the base of advisory fee and premium
Plinth rate of advance is respectively 0.94% and 0.66%.
After determining that loan requests correspond to the type of loan product, the base loan of the various charging items of loan product is obtained
Rate, meanwhile, the credit risk grade of current client to be made loans is obtained, and adjusted to base loan rate according to risk class
It is whole, generate the practical rate of advance of client to be made loans.Such as risk class include it is low, under, in, in upper and high five ranks,
During wherein if risk class is, practical rate of advance is base loan rate；If risk class be on, by basis borrow
A default unit is turned up in money rate, using as practical rate of advance；If risk class is upper, base loan rate is turned up
Two default units, using as practical rate of advance；If risk class be under, by base loan rate turn down one it is default
Unit, using as practical rate of advance；If under risk class is, base loan rate is turned down two default units, to make
For practical rate of advance.
In the present embodiment, by when receiving the loan requests of user terminal transmission, being obtained according to loan requests and waiting putting
The identity of money client；According to the identity, the loan qualification scoring of client to be made loans is obtained, and according to the loan
Qualification scores, and determines the risk class of client to be made loans；Obtain the base loan rate that loan requests correspond to loan product, and root
Base loan rate is adjusted according to risk class, the practical rate of advance of client to be made loans is generated, without being answered
The miscellaneous cumbersome evaluation of worker's rate of advance and setting, or offer can be manually evaluated to rate of advance compared with high reference, it carries significantly
The evaluation efficiency and accuracy rate for having risen rate of advance can preferably adapt to the increased customer lending demand of loan financial system.
Further, base loan rate is adjusted according to risk class in step S30, generates client's to be made loans
The step of practical rate of advance includes：
The corresponding charging item of base loan rate is identified in step S31, if charging item is fixed fee item
Mesh, then using the corresponding base loan rate of fixed fee project as practical rate of advance；
Step S32 borrows the basis of floating charging item according to risk class if charging item is floating charging item
Money rate is adjusted, and generates the practical rate of advance of client to be made loans.
Charging item includes fixed fee project (such as preposition charge) and floating charging item (such as advisory fee, premium, guarantee
Take), before being adjusted to base loan rate, first determine whether the corresponding charging item of base loan rate is fixed receipts
Take project, if fixed fee project, by the corresponding base loan rate of fixed fee project directly as practical rate of advance；
If not fixed fee project (charging item of as floating), according to risk class to the base loan rate of floating charging item
It is adjusted, generates the practical rate of advance of client to be made loans.The rate of advance with client qualification of wherein fixed fee project are commented
Divide or risk class is unrelated, is fixed rate of advance；Conversely, the rate of advance of floating charging item and client qualification score or
There is association in risk class, rate of advance is different due to the difference of client qualification scoring or risk class, to the production that will provide a loan
The charging item of product is classified, to realize the base loan rate for accurately adjusting loan product based on risk class.
Optionally, the corresponding charging item of base loan rate includes preposition charge and other charging items, other charges
Project includes one or more in advisory fee, premium and Guarantee fee；
The step of corresponding charging item of base loan rate is identified in step S31 include：
If it is interior employee's loan that loan requests, which correspond to loan product, using all charging items as fixed fee project；
If it is interior employee's loan that loan requests, which correspond to loan product not, using the project of preposition charge as fixed fee item
Mesh, using other charging items as floating charging item.
Loan product includes for interior employee's loan of loan enterprises employee and for other loan products of the public, if base
Identify that client to be made loans is interior employee in loan requests, i.e., it is interior employee's loan that loan requests, which correspond to loan product, then is not necessarily to
Consider that band is made loans the risk class of client, which can evade, and the interior employee of the loan requests is borrowed all charges
Project cancels influence of the risk class to rate, while the base of the fixed fee project of interior employee as fixed fee project
Plinth rate of advance can be at the medium level of other loan product charging item rate of advance.For example, other loan products are charged
The rate of advance of project is 0.4% to 1.3%, then the base loan rate for the fixed fee project that interior employee borrows is 0.85%
Left and right.In addition, it is interior employee's loan that if loan requests, which correspond to loan product not, using the project of preposition charge as fixed fee
Project, using other charging items as floating charging item, i.e., using the advisory fee of different loan products, premium and Guarantee fee as
Floating charging item, to adjust base loan rate according to risk class, i.e. risk class is higher, advisory fee, premium and guarantee
The practical rate of advance taken is higher.To further carry out Taxonomic discussion to loan product, difference interior employee borrows and other loans
Money product, further fining adjust the base loan rate of loan product based on risk class, improve what rate of advance generated
Objectivity and accuracy.
In addition, the step of acquisition loan requests correspond to the base loan rate of loan product in step S30 includes：
The pattern of making loans of loan product and the loan product is determined according to loan requests；
According to the loan product of loan requests and pattern of making loans, the base loan rate of client to be made loans is determined.
For same loan product in the case where difference makes loans pattern, base loan rate is different, it is however generally that, due to mould of providing a loan on line
The credit risk of formula is higher than under line pattern of providing a loan, and the credit risk of civil petty load pattern is higher than syndicated loan pattern, institute
With syndicated loan on the base loan rate highest of the pattern of making loans of the civil petty load on line, line (such as small-loan company+
Money pool provide a loan) pattern of making loans base loan rate take second place, under line the pattern of making loans of civil petty load basis borrow
Money rate third, the base loan expense of the pattern of making loans of syndicated loan under line (such as small-loan company+money pool loan)
Rate is minimum, such as the base loan rate of civil petty load is 1% on line, the base loan rate of syndicated loan is on line
0.8%, the base loan rate of civil petty load is 0.6% under line, the base loan rate of syndicated loan is under line
0.4%.
In the present embodiment, increase pattern factor of making loans, with the loan product for integrating loan requests and corresponding pattern of making loans
Two aspect factors more accurately determine the base loan rate of client to be made loans, avoid gene basis rate of advance inaccurate and
Influence the practical rate of advance of client to be made loans.
Further, in another embodiment of rate of advance generation method of the present invention, according to identity in step S20,
Obtain client to be made loans loan qualification scoring the step of include：
Step S21 determines that the identity scoring of client to be made loans, wherein identity are believed according to the identity of client to be made loans
Breath includes one or more in age, educational background and household register；
Step S22, corresponding identity information is identified according to client identity to be made loans, and is from bank credit system or third party
System obtains the air control information of client to be made loans, and determines that the air control of client to be made loans is scored according to air control information；
Step S23 scores according to identity scoring and air control, generates the loan qualification scoring of client to be made loans.
Corresponding identity information is obtained according to the identity of client to be made loans, according to the age in identity information, educational background
And household register, it determines the identity scoring of client to be made loans, can determine that the base identity of client to be made loans scores according to educational background, such as training
60 points of educational background, 70 points of undergraduate course educational background, 80 points of master's educational background, doctor's educational background 90 are graded；Age further according to client to be made loans and family
Nationality is modified base identity scoring, if the age is more than 50 years old, often increases to increase base identity scoring in 1 years old and presets score value
(such as 1 point)；Meanwhile can (include Beijing, Shanghai as set city according to whether the household register of client to be made loans be setting city household register
Deng), if the household register of client to be made loans is setting city household register, show that the client has certain household register regional superiority, then to basis
Identity scoring carries out bonus point, or judges whether the household register of client to be made loans matches with the applicant city where user terminal, if waiting for
City where the household register of client of making loans is exactly applicant city where user terminal, and showing the client to be made loans, local is borrowed or lent money again, is borrowed
Being also possible to property is not relatively low for money, can score base identity and carry out bonus point.
Furthermore corresponding identity information can be identified according to client identity to be made loans, from bank credit system or third party system
(such as petty load credit platform and shopping platform) obtain client to be made loans air control information (as borrow money record, refund record,
Bad credit record etc.), and determine that the air control of client to be made loans is scored according to air control information, the refund of wherein client records good, bad
Account records less, loaning bill is relatively more, and air control scoring is higher.Finally, it is scored according to identity scoring and air control, generates client to be made loans
Loan qualification, such as calculate identity scoring and air control scoring the sum of, then control inquiry scoring with loan qualification mapping table, generate
Loan qualification of client to be made loans, such as 700 points of scoring or more loan qualification are splendid, 600 points to 700 timesharing qualifications of providing a loan are good
It is good, 600 points or less be that loan qualification is good, if it is 710 points to calculate the sum of identity scoring and air control scoring at this time, it is determined that and life
It is splendid at the loan qualification of client to be made loans.
In the present embodiment, it is that identity scoring and air control are commented identity to be corresponded to identity information and air control information refinement
Point, to be scored according to identity scoring and air control, the corresponding loan qualification for determining and generating client to be made loans is commented with detailed-oriented
Divide and evaluated to treat the loan qualification for the client that makes loans, improves the accuracy of loan qualification scoring evaluation, further increase
The accuracy that the practical rate of advance of client to be made loans generates.
Specifically, step S21 includes：
Step S211 assigns client age to be made loans and initially comments if the age of client to be made loans is in default age range
Point, wherein the minimum value of default age range is default minimum, maximum value is default maximum；
In identity-based acquisition of information after the age for the client that makes loans, judge the age of client to be made loans whether in default
Age range, the default age range will exclude age too low low age, income instability crowd, it is excessively high also to exclude the age
Advanced age, the unstable crowd of physical condition, such as default age range are 25 years old to 50 years old, i.e., default minimum is 25, presets pole
Big value is 50.If the age of client to be made loans is in default age range, show that the client to be made loans is not constituted in terms of the age
Credit risk assigns client age initial score to be made loans, such as the best result (such as 100 that age initial score is age scoring
Point), which is default value, be only used for showing wait make loans client in terms of the age without loan after do not refund or exceed
The risk that phase refunds.
Step S212 according to the age of client to be made loans and is preset if the age of client to be made loans is more than default maximum
The difference of maximum carries out deduction to age initial score, and the wherein difference is bigger, and deduction is more；By age initial score or subtract
Age initial score that point treated is as the first scoring；
If the age of client to be made loans is more than default maximum, that is, the age of client to be made loans has been more than default age area
Between, the client's to be made loans is older, according to the financial economic knowledge on basis, age of a people be more than a dating (such as
Retirement age) after, age bigger earning power is weaker, refund intention is weaker, for example, a people Li Ming age more than 55 years old, then
Li Ming is difficult to find new work, it is difficult to be competent at new work, will gradually be regarded as unimportant to wealth credit, so the age of Xiao Ming gets over
Greatly, the evaluation scoring (the i.e. first scoring) of its credit risk in terms of the age is lower.Specifically, according to the year of client to be made loans
Age and the difference of default maximum carry out deduction to age initial score, and the wherein difference is bigger, and deduction is more, such as point of deduction
Value is difference preset multiple.Such as the age of client Li Ming to be made loans is 55 years old, it is 50 to preset maximum, then the client to be made loans
The age of Li Ming is more than default maximum 5 years old, and unit age deduction 10 is divided, and the age of client Li Ming to be made loans, which is more than, presets greatly
Value 5 years old is then needed to deduction 5*10=50 point, since the age is initially divided into 100 points, then deduction treated age initial score
It it is 100-5*10=50 points, to which the first scoring is 50 points.
Step S213 assigns the client second to be made loans and scores according to the educational background of client to be made loans, wherein educational background is higher,
Second scoring is higher；
Step S214 determines the identity scoring of client to be made loans according to the first scoring and the second scoring.
If the age of client to be made loans is less than default minimum, show that the age of client to be made loans is less than normal, does not have year
Age initially divides or the first scoring, carries out veto by one vote system, i.e. the age is less than the client to be made loans of default minimum without loan
Qualification.
While obtaining the first scoring or later, according to the educational background of client to be made loans, the client second to be made loans is assigned
Scoring, as the second scoring of training educational background is 60 points, the second scoring of undergraduate course educational background is 70 points, the second scoring of master's educational background is 80 points,
The second scoring of doctor's educational background is 90 points, wherein educational background is higher, loan repayment capacity is stronger, and the second scoring is higher.And it is commented obtaining first
The identity with the determining client to be made loans that after the second scoring, can be scored according to the first scoring and second is divided to score, such as first comments
Point and second scoring the sum of as identity scoring, first scoring and second score obtained score conduct is combined with other factors
Identity scores；To the present embodiment refined identity scoring method of determination, can integrate the age and educational background two aspect into
The identity of row client to be made loans is assessed, and the accurate of the practical rate of advance generation of client to be made loans is further improved
Property.
Further, step S214 includes：
Judge whether the household register of client to be made loans is consistent with applicant city, if the household register of client to be made loans and applicant city one
It causes, then assigns client's third scoring to be made loans；
By the sum of the first scoring, the second scoring and third scoring, the identity as client to be made loans scores.
In addition to based on client to be made loans age and educational background obtain the first scoring and second scoring other than, can also obtain and wait for
Make loans the household register of client, judge client to be made loans household register whether with application credit society applicant city it is whether consistent, if waiting for
Make loans client household register it is consistent with applicant city, show that client to be made loans borrows money with being in permanent residence or native place, client to be made loans
In household register relatives and friends are more, and overdue refund or the social cost or reputation cost do not refunded are larger, thus overdue refund or
The risk that do not refund is relatively low, it is possible to assign client's third scoring to be made loans；If conversely, the household register of client to be made loans with
Applicant city is inconsistent, and client to be made loans is then less in view of social cost or reputation cost are larger, then overdue to refund or do not go back
The risk of money is larger.After client to be made loans is endowed third scoring, the first scoring, the second scoring and third are scored it
With, as client to be made loans identity score, to by the household register of client to be made loans also consider identity scoring in, into one
Step improves objectivity, the accuracy that the overdue refund of the client that makes loans or risk assessment of not refunding are treated in identity scoring, further carries
The accuracy that the practical rate of advance of high client to be made loans generates.
Further, step S23 includes：
Step S231 obtains the job information of client to be made loans according to the identity information of client to be made loans, is believed according to work
Breath determines that the work scoring of client to be made loans, wherein job information are proved including lasting income, in work proof and job category
It is one or more；
Step S232 scores according to identity scoring, work scoring and air control, and the loan qualification for generating client to be made loans is commented
Point.
The loan qualification of client to be made loans is other than considering identity scoring and air control scoring, it is also contemplated that waiting making loans
Client Work situation can obtain the job information of client to be made loans according to the identity information of client to be made loans, as basis waits making loans
Identification card number, name, photo of client etc. inquire the social security record of client to be made loans, from bank reference system from social security bureau
System inquires job category and the work unit's (such as work proves) of client to be made loans, so as to according to job information, determine
The work of client to be made loans is scored.And then comprehensive identity scoring, work scoring and air control scoring, more comprehensively, objectively generate
The loan qualification of client to be made loans scores, and further improves the accuracy that the practical rate of advance of client to be made loans generates.
Optionally, in step 231 according to job information, the step of work scoring for determining client to be made loans includes：
If proving to determine that the lasting income months of client to be made loans are greater than or equal to default months based on lasting income, assign
It gives client to be made loans and persistently takes in scoring；
If the work unit based on employee's card client clearly surely to be made loans belongs to default unit white list, assigns and wait making loans
Client Work unit scores；
If the job category of client to be made loans is to award firewood class, assigns client to be made loans and award firewood scoring；
Firewood scoring is scored and awarded according to the scoring of lasting income, work unit, determines the work scoring of client to be made loans.
It is proved according to the lasting income in the job information of client to be made loans, obtains the lasting income moon of client to be made loans
Number, such as wait making loans according to bank's flowing water of client to be made loans, social security successive tranche months, the determination of common reserve fund successive tranche months
The lasting income months of client.If the lasting income months of client to be made loans are greater than or equal to default months (such as 12 months), table
The income of bright client to be made loans is lasting and more stable, and overdue refund or the risk that do not refund are smaller, can assign visitor to be made loans
Scoring is persistently taken at family.It is proved according to the work of client to be made loans, obtains the title of its work unit, judge client's to be made loans
Whether work unit belongs to default unit white list, and (the unit white list includes that management state is preferable, profit is more, development is held
Continue stable work unit, such as the famous private enterprise, public institution or government organs), if the job note of client to be made loans
In the data unit white list of position, work unit where showing client to be made loans is more stable and income is relatively high, can assign
Client Work unit scoring to be made loans.
Meanwhile the income fluctuation risk for awarding firewood class life is much smaller than self-employed businessman, so awarding the overdue refund of firewood class work
Or the risk that do not refund is smaller, if the job category of client to be made loans is to award firewood class, assigns client to be made loans and awards firewood scoring.From
And can be scored according to the lasting income of client to be made loans, firewood scoring is scored and be awarded in work unit, more objective and accurately determine
The work of client to be made loans is scored, and the accuracy of the loan qualification scoring evaluation or generation of client to be made loans is further improved,
Further improve the accuracy that the practical rate of advance of client to be made loans generates.
In addition, further including after assigning the step of client to be made loans persistently takes in scoring：
It is scored lasting income according to the difference of the lasting income months of client to be made loans and default months and carries out bonus point,
In the difference it is bigger, bonus point is more；The lasting income scoring of bonus point is scored as new lasting income.
The lasting income months of client to be made loans are more than default months and numerical value is bigger, show that the income of the client is more stable
Continue, can score the lasting income of the client to be made loans and carry out bonus point, the lasting income scoring of bonus point is continued as new
Income scoring.If in addition, client to be made loans has housing loan, persistently income scoring can also consider housing loan refund months,
Housing loan refund months are more, more to the bonus point of lasting income scoring, can will be based on persistently taking in months and housing loan refund months
New lasting income scoring after bonus point, make that the lasting income of client to be made loans score obtains more client and accurately, into one
Step improves the accuracy that the practical rate of advance of client to be made loans generates.
In addition, step S232 scores according to identity, work scoring and air control are scored, the loan qualification of client to be made loans is generated
The step of scoring includes：
Obtain the scoring summation of identity scoring, work scoring and air control scoring；
The refund status data and loaning bill intention data for obtaining client to be made loans, according to refund status data and loaning bill intention
Data are modified scoring summation；
According to revised scoring summation, the loan qualification scoring of client to be made loans is generated.
The present embodiment can consider and wait for after the scoring summation for obtaining identity scoring, work scoring and air control scoring
Making loans the refund status data and loaning bill intention data of client should not be again if the refund state of client to be made loans is not pay off
It borrows money, deduction can be carried out to scoring summation；If the refund state of client to be made loans is to have paid off, can borrow money again, it can be to commenting
Divide summation to carry out bonus point or keeps scoring summation constant.If the loaning bill intention of client to be made loans is strong (as according to client to be made loans
Interview record known to loaning bill intention), and refund state be paid off, can to scoring summation carry out bonus point, in view of
Except the identity of client to be made loans, work, air control, the newly-increased refund state for considering client to be made loans and loaning bill intention, further
The accuracy and objectivity for improving loan qualification the scoring evaluation and generation of client to be made loans, further improve client to be made loans
Practical rate of advance generate accuracy.
In addition, the embodiment of the present invention also proposes that a kind of server, server include：Memory, processor and it is stored in institute
The rate of advance that stating can run on memory and on the processor generates program, and it is described that the rate of advance generates program
The step of processor realizes the above-mentioned rate of advance generation method stated when executing.
In addition, the embodiment of the present invention also proposes a kind of readable storage medium storing program for executing, loan is stored on the readable storage medium storing program for executing
Rate generates program, and the rate of advance generates the step that above-mentioned rate of advance generation method is realized when program is executed by processor
Suddenly.
The expansion content of the specific implementation mode of server and readable storage medium storing program for executing of the present invention is generated with above-mentioned rate of advance
Each embodiment of method is essentially identical, does not do tired state herein.
It should be noted that herein, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that process, method, article or device including a series of elements include not only those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this
There is also other identical elements in the process of element, method, article or device.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal (can be mobile phone, computer, service
Device, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The embodiment of the present invention is described with above attached drawing, but the invention is not limited in above-mentioned specific
Embodiment, the above mentioned embodiment is only schematical, rather than restrictive, those skilled in the art
Under the inspiration of the present invention, without breaking away from the scope protected by the purposes and claims of the present invention, it can also make very much
Form, all of these belong to the protection of the present invention.
Claims (10)
1. a kind of rate of advance generation method, which is characterized in that the rate of advance generation method includes：
When receiving the loan requests of user terminal transmission, the identity of client to be made loans is obtained according to loan requests；
According to the identity, the loan qualification scoring of client to be made loans is obtained, and is scored according to the loan qualification, is determined
The risk class of client to be made loans；
It obtains loan requests and corresponds to the base loan rate of loan product, and base loan rate is adjusted according to risk class
It is whole, the practical rate of advance of client to be made loans is generated, wherein risk class is higher, and corresponding rate of advance is higher.
2. rate of advance generation method as described in claim 1, which is characterized in that it is described according to risk class to base loan
The step of rate is adjusted, the practical rate of advance for generating client to be made loans include：
The corresponding charging item of base loan rate is identified, if the charging item is fixed fee project, will be consolidated
Determine the corresponding base loan rate of charging item and is used as practical rate of advance；
If the charging item is floating charging item, according to risk class to the base loan rate of floating charging item into
Row adjustment, generates the practical rate of advance of client to be made loans.
3. rate of advance generation method as claimed in claim 2, which is characterized in that the corresponding charging item of base loan rate
Including preposition charge and other charging items, other charging items include one or more in advisory fee, premium and Guarantee fee；
The described the step of corresponding charging item of base loan rate is identified includes：
If it is interior employee's loan that loan requests, which correspond to loan product, using all charging items as fixed fee project；
If it is interior employee's loan that loan requests, which correspond to loan product not, using the project of preposition charge as fixed fee project,
Using other charging items as floating charging item.
4. rate of advance generation method as claimed in claim 2, which is characterized in that the acquisition loan requests correspond to loan production
The step of base loan rate of product includes：
The pattern of making loans of loan product and the loan product is determined according to loan requests；
According to the loan product of loan requests and pattern of making loans, the base loan rate of client to be made loans is determined.
5. the rate of advance generation method as described in Claims 1-4 any one, which is characterized in that described according to the body
Part mark, obtain client to be made loans loan qualification scoring the step of include：
According to the identity of client to be made loans, determine that the identity scoring of client to be made loans, wherein identity information include the age, learn
Go through with it is one or more in household register；
Corresponding identity information is identified according to client identity to be made loans, is obtained from bank credit system or third party system and waits making loans
The air control information of client, and determine that the air control of client to be made loans is scored according to air control information；
According to identity scoring and air control scoring, the loan qualification scoring of client to be made loans is generated.
6. rate of advance generation method as claimed in claim 5, which is characterized in that the identity of the basis client to be made loans is believed
Breath determines the step of identity of client to be made loans scores：
If the age of client to be made loans is in default age range, client age initial score to be made loans is assigned, wherein default year
The minimum value in age section is default minimum, maximum value is default maximum；
If the age of client to be made loans is more than default maximum, according to the difference pair at the age of client to be made loans and default maximum
Age initial score carries out deduction, and the wherein difference is bigger, and deduction is more；By age initial score or deduction treated age
Initial score is as the first scoring；
It according to the educational background of client to be made loans, assigns the client second to be made loans and scores, wherein educational background is higher, the second scoring is higher；
According to the first scoring and the second scoring, the identity scoring of client to be made loans is determined.
7. rate of advance generation method as claimed in claim 6, which is characterized in that described to be commented according to the first scoring and second
Point, determine that the step of identity of client to be made loans scores includes：
Judge whether the household register of client to be made loans is consistent with applicant city, if the household register of client to be made loans is consistent with applicant city,
Then assign client's third scoring to be made loans；
By the sum of the first scoring, the second scoring and third scoring, the identity as client to be made loans scores.
8. rate of advance generation method as claimed in claim 5, which is characterized in that described to be commented according to identity scoring and air control
Point, generate client to be made loans loan qualification scoring the step of include：
According to the identity information of client to be made loans, the job information of client to be made loans is obtained, according to the job information, determination waits for
Make loans client work scoring, wherein job information include continue income prove, work prove and job category in one or
It is multinomial；
According to identity scoring, work scoring and air control scoring, the loan qualification scoring of client to be made loans is generated.
9. a kind of server, which is characterized in that the server includes：It memory, processor and is stored on the memory
And the rate of advance that can be run on the processor generates program, the rate of advance generates program and is executed by the processor
The step of Shi Shixian such as rate of advance generation methods described in any item of the claim 1 to 8.
10. a kind of readable storage medium storing program for executing, which is characterized in that it is stored with rate of advance on the readable storage medium storing program for executing and generates program,
The rate of advance generates and realizes that rate of advance described in any item of the claim 1 to 8 such as is given birth to when program is executed by processor
The step of at method.
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