CN108765133A - The demand for loan and matched method, apparatus of loan product, system and storage medium - Google Patents
The demand for loan and matched method, apparatus of loan product, system and storage medium Download PDFInfo
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- CN108765133A CN108765133A CN201810496449.XA CN201810496449A CN108765133A CN 108765133 A CN108765133 A CN 108765133A CN 201810496449 A CN201810496449 A CN 201810496449A CN 108765133 A CN108765133 A CN 108765133A
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Abstract
The embodiment of the present disclosure discloses a kind of demand for loan and loan product carries out matched method, apparatus, system and computer readable storage medium.Wherein, this method includes：Multiple demands for loan and multiple loan products are matched；Demand for loan/loan product that it fails to match is obtained according to matching result；Obtain the demand for loan/loan product that it fails to match leads to its parameter that it fails to match；According to the parameter and the preset model modification demand for loan/loan product that it fails to match；The modified demand for loan/loan product is repeated into above-mentioned matching process.
Description
Technical field
This disclosure relates to financial field, and in particular to a kind of demand for loan and loan product carry out matched method, apparatus,
System and storage medium.
Background technology
With flourishing for internet financial industry, the user to provide a loan to petty load mechanism application consumer credit is more next
It is more.Due to the loan product of every company make loans amount and interest rate it is all different, and because air control model is different, lending
Standard is also different, but just too complicated for users, it is difficult to apply to the suitable loan product of oneself；Simultaneously for a loan
Product, it is difficult to meet the different demands of a large number of users.Recently, with the development of big data industry, using the method for loan portfolio
Loan transaction is carried out, is increasingly attracted attention.The method of loan portfolio is related between the combination of loan product and different user
In terms of combination two, it is exactly specifically：Automatically different loan products are combined to meet user demand, or with a loan product
Carry out while meeting the demand for loan of different user.
However the existing technology has at least the following problems：Can have comprehensively to the credit situation of user and demand for loan
Solution, and can have detailed understanding to most loan products on the market, it is relatively difficult, the business associate being related to is also relatively more multiple
Miscellaneous, general lending agency is difficult to accomplish.And, on the one hand, the demand for loan of some users without or only less loan
Product can match, and the demand for loan of user is not being met；On the other hand, the target audience of some loan products is very little, causes
Fund is left unused, and mobility is low.
Invention content
For above-mentioned technical problem in the prior art, the embodiment of the present disclosure proposes a kind of demand for loan and loan product
Matched method, apparatus, system and computer readable storage medium are carried out, to meet the demand for loan and reduction of more users
The leave unused capital of loan product improves financial liquidity.
The first aspect of the embodiment of the present disclosure provides a kind of demand for loan and loan product carries out matched method, packet
It includes：
Multiple demands for loan and multiple loan products are matched；
Demand for loan/loan product that it fails to match is obtained according to matching result；
Obtain the demand for loan/loan product that it fails to match leads to its parameter that it fails to match；
According to the parameter and the preset model modification demand for loan/loan product that it fails to match, the default mould
Type trains to obtain by demand for loan/loan product of successful match；
The modified demand for loan/loan product is repeated into above-mentioned matching process.
In some embodiments, it is described by multiple demands for loan and multiple loan products carry out matching include：
Obtain the credit information of the applicant of the multiple demand for loan；
Multiple demands for loan and multiple loan products are matched according to the credit information of the applicant.
In some embodiments, the credit information according to the applicant produces multiple demands for loan and multiple loans
Product carry out matching：
The multiple loan product is adjusted according to the credit information of the applicant；
The multiple loan product after the multiple demand for loan and adjustment is matched.
In some embodiments, described match includes：One-to-one, one-to-many, many-one, and/or multi-to-multi matching.
In some embodiments, it is described according to the parameter and the preset model modification demand for loan that it fails to match/
Loan product includes：
When the parameter is the amount of the loan, judge that it is more than the maximum amount of the loan obtained according to the preset model,
Or less than the minimum amount of the loan obtained according to the preset model；
It is several small by splitting the parameter when it is more than the maximum amount of the loan obtained according to the preset model
In equal to the maximum amount of the loan and more than or equal to the parameter of the minimum amount of the loan, generate several new demands for loan/
Loan product；
When it is less than the minimum amount of the loan obtained according to the preset model, the minimum amount of the loan is fed back to extremely
The supplier of a few demand for loan/loan product.
In some embodiments, it is described according to the parameter and the preset model modification demand for loan that it fails to match/
Loan product includes：
When the parameter is loan interest rate, the loan interest rate section that feedback is obtained according to the preset model is at least one
The supplier of a demand for loan/loan product；
When the parameter is the length of maturity, the length of maturity section that feedback is obtained according to the preset model is at least one
The supplier of a demand for loan/loan product.
The second aspect of the embodiment of the present disclosure provides a kind of demand for loan and loan product carries out matched device, packet
It includes：
Matching module, for matching multiple demands for loan and multiple loan products；
First acquisition module, for obtaining demand for loan/loan product that it fails to match according to matching result；
Second acquisition module, obtain the demand for loan/loan product that it fails to match leads to its ginseng that it fails to match
Number；
Modified module, for being produced according to the parameter and the preset model modification demand for loan that the it fails to match/loan
Product, the preset model train to obtain by demand for loan/loan product of successful match；And the modified loan is needed
Ask/loan product is sent to the matching module and repeats above-mentioned matching process.
In some embodiments, the matching module further includes credit information acquisition submodule, the multiple for obtaining
The credit information of the applicant of demand for loan, the matching module can be according to the credit informations of the applicant by multiple loan need
Multiple loan products of summing are matched.
In some embodiments, the matching module further includes loan product adjustment submodule, for according to the credit
The credit information for the applicant that acquisition of information submodule obtains adjusts the multiple loan product；The matching module can incite somebody to action
The multiple loan product after the multiple demand for loan and adjustment is matched.
In some embodiments, in the matching module, the matching includes following at least one：It is one-to-one, a pair of
More, many-one, and/or multi-to-multi matching.
In some embodiments, the modified module includes：
Parameter type judging submodule, the type for judging the parameter；
Amount of the loan judging submodule judges that the parameter is the amount of the loan for working as the parameter type judging submodule
When, judge that the parameter is more than the maximum amount of the loan obtained according to the preset model, or less than according to the preset model
The minimum amount of the loan obtained；
Submodule is split, for judging that the parameter is more than according to the default mould when the amount of the loan judging submodule
When the maximum amount of the loan that type obtains, by split the parameter be it is several be less than or equal to the maximum amount of the loan and more than etc.
In the parameter of the minimum amount of the loan, several new demand for loan/loan products are generated；
First feedback submodule, for judging that the parameter is less than according to described pre- when the amount of the loan judging submodule
If when the minimum amount of the loan that model obtains, feeding back the minimum amount of the loan at least one demand for loan/loan production
The supplier of product.
In some embodiments, the modified module includes：
Parameter type judging submodule, the type for judging the parameter；
Second feedback submodule, for when the parameter type judging submodule judges that the parameter is loan interest rate,
The offer of at least one demand for loan/loan product is given in the loan interest rate section that feedback is obtained according to the preset model
Person；
Third feeds back submodule, for when the parameter type judging submodule judges that the parameter is the length of maturity,
Feedback obtained according to the preset model the length of maturity section at least one demand for loan/loan product offer
Person.
The third aspect of the embodiment of the present disclosure provides a kind of loan application demand and loan product carries out matched system,
The system includes：
Memory and one or more processors；
Wherein, the memory is connect with one or more of processor communications, and being stored in the memory can quilt
The instruction that one or more of processors execute, described instruction is executed by one or more of processors, so that described one
A or multiple processors are for executing foregoing method.
The fourth aspect of the embodiment of the present disclosure provides a kind of computer readable storage medium, and being stored thereon with computer can
It executes instruction, when the computer executable instructions are executed by a computing apparatus, is operable to execute foregoing method.
The embodiment of the present disclosure leads to its ginseng that it fails to match by acquisition demand for loan/loan product that it fails to match
Number, and change the matching according to the parameter and by the preset model that demand for loan/loan product of successful match is trained
Demand for loan/loan product of failure meets the demand for loan and reduction of more users to improve successful match rate
The leave unused capital of loan product, improves financial liquidity.
Description of the drawings
Fig. 1 is according to a kind of finance interactive system schematic diagram shown in some embodiments of the present disclosure；
Fig. 2 is matched according to a kind of loan application demand shown in some embodiments of the present disclosure and loan product progress
The flow diagram of method；
Fig. 3 is to carry out matched device according to a kind of demand for loan shown in some embodiments of the present disclosure and loan product
Structure diagram.
Specific implementation mode
In the following detailed description, many details that the disclosure is elaborated by example, in order to provide to correlation
The thorough understanding of disclosure.However, for for those of ordinary skill in the art, the disclosure can obviously not have this
Implement in the case of a little details.It should be understood that using " system ", " device ", " unit " and/or " module " art in the disclosure
Language is for distinguishing in being ranked sequentially different components of different stage, element, part or a kind of method of component.However, such as
Identical purpose may be implemented in other expression formulas of fruit, these terms can be replaced by other expression formulas.
It should be understood that when equipment, unit or module be referred to as " ... on ", " being connected to " or " being coupled to " it is another
When equipment, unit or module, can directly in another equipment, unit or module, be connected or coupled to or with other equipment,
Unit or module communication, or may exist intermediate equipment, unit or module, unless context clearly prompts exceptional situation.Example
Such as, term "and/or" used in the disclosure includes any one and all combinations of entry listed by one or more correlations.
Term used in the disclosure is only for describing specific embodiment, and unrestricted disclosure range.Such as present disclosure specification
Shown in claims, unless context clearly prompts exceptional situation, " one ", "one", the words such as "an" and/or "the"
Odd number is not refered in particular to, plural number is may also comprise.It is, in general, that term " comprising " only prompts to include the spy clearly identified with "comprising"
Sign, entirety, step, operation, element and/or component, and such statement do not constitute one it is exclusive enumerate, other features,
Entirety, step, operation, element and/or component can also be included.
Referring to the following description and the annexed drawings, these or other feature and feature, operating method, the phase of structure of the disclosure
Closing function, the combination of part and the economy of manufacture of element can be better understood, and wherein description and accompanying drawings form
Part of specification.It is to be expressly understood, however, that attached drawing is used only as the purpose of illustration and description, it is not intended to limit this
Disclosed protection domain.It is understood that attached drawing is not necessarily drawn to scale.
Various structures figure has been used to be used for illustrating various modifications according to an embodiment of the present disclosure in the disclosure.It should be understood that
, before or following structure be not for limiting the disclosure.The protection domain of the disclosure is subject to claim.
The present disclosure describes the schematic diagrames of financial interactive system 100.As shown in Figure 1, financial interactive system 100 may include
Server 110, user terminal 120, lending agency terminal 130 and database 140.User is offered a loan demand by user terminal
And/or personal information is to server, lending agency is offered a loan by lending agency terminal and product and/or is wanted to the corresponding of user
It asks to server, server can also obtain other information, such as individual subscriber credit information from database, and server is according to obtaining
The information taken carries out the matching of demand for loan and loan product, and matching result is returned to corresponding user and/or lending agency.
In some embodiments, server 110 can be individual server, can also be a server farm.One
Server farm can be centralized, such as data center.One server farm can also be it is distributed, such as one
Distributed system.Server 110 can be local, can also be long-range.In some embodiments, server 110 can be with
Data or information are obtained by network.For example, server 110 can obtain user terminal 120 and/or lending agency by network
The data or information of terminal 130.In another example server 110 can directly read or by the number in network reading database 140
According to or information.In some embodiments, server 110 can pass through network transmission data or information.For example, server 110 can
The information that the data of processing or needs are shown is sent to user terminal 120 by network.In another example server 110 can be with
Directly the data of processing in database 140 or are sent to database 140 by network and deposited by data or information storage
Storage.
User terminal 120 is the equipment of user.As shown in Figure 1, user terminal can have it is multiple, from user terminal 1 until
User terminal N, wherein N are natural number.In some embodiments, the user terminal 120 can be equipped with finance interaction client
End.The user terminal 120 exchanges data or information by finance interaction client with server 110, and is shown to user.Institute
Stating user terminal 120 can be by network attached server 110.In some embodiments, the user terminal 120 can be intelligence
It can equipment.The smart machine can be the combination of one or more of mobile phone, tablet computer or laptop etc..It is multiple
User terminal can directly be connect with server respectively, or be connect again with server after converging to a node.
Lending agency terminal 130 is the equipment of lending agency.As shown in Figure 1, lending agency terminal can also have it is multiple, from
Lending agency terminal 1 is natural number until lending agency terminal P, wherein P.In some embodiments, the lending agency terminal
130 can also be equipped with corresponding finance interaction client.The lending agency terminal 130 passes through corresponding finance interaction client
End exchanges data or information with server 110, and is shown to lending agency.The lending agency terminal 130 can pass through network
Connection Service device 110.In some embodiments, the lending agency terminal 120 can be mobile phone, tablet computer, desktop computer,
The combination of one or more of laptop, server etc..Multiple lending agency terminals can respectively directly and server
Connection, or connect again with server after converging to a node.
Database 140 can refer to the equipment with store function.Database 140 can be local, or long-range.Such as
Shown in Fig. 1, database can have multiple, and from database 1 until database Q, wherein Q is natural number.Database 140 may include
Hierarchical database, network database and relational database etc. or several combinations.Database 140 can be by Information Number
After word again by by electricity, magnetically or optically etc. in the way of storage device stored.Database 140 can be used to store various letters
Breath, for example, procedure, data etc..Database 140 can be the equipment that information is stored in the way of electric energy, for example, various storages
Device, random access memory (Random Access Memory (RAM)), read-only memory (Read Only Memory
(ROM)) etc..Random access memory may include dekatron, selectron, delay line storage, WILLIAMS-DARLING Ton pipe, dynamic random
Memory (DRAM), Static RAM (SRAM), thyristor random access memory (T-RAM), zero capacitance random access memory (Z-
) etc. or several combinations RAM.Read-only memory may include magnetic bubble memory, A.O. linear memory, thin-film memory, magnetic plating
Linear memory, magnetic core memory, magnetic drum memory, CD drive, hard disk, tape, early stage nonvolatile storage (NVRAM), phase
Variation memory, reluctance type random storage formula memory, ferroelectric random stored memory, non-volatile SRAM, flash memory, the electronics formula of erasing can answer
Write read-only memory, Erasable Programmable Read Only Memory EPROM, programmable read only memory, Mask ROM, floating connection
Door random access memory, nanometer random access memory, racing track memory, variable resistance type memory, programmable metallization unit etc., or
Several combinations.Database 140 can be the equipment that information is stored in the way of magnetic energy, for example, hard disk, floppy disk, tape, magnetic core
Memory, magnetic bubble memory, USB flash disk, flash memory etc..Database 140 can be the equipment for storing information using optical mode, for example,
CD or DVD etc..Database 140 can be the equipment that information is stored in the way of magneto-optic, for example, magneto-optic disk etc..Database 140
Access mode can be random storage, serial access storage, read-only storage etc. or several combinations.Database 140 may include
Impermanent memory memory, permanent memory memory or combination.
Fig. 2 is to carry out matched method signal according to demand for loan shown in some embodiments of the present disclosure and loan product
Figure.In some embodiments, the matched method of progress is executed by server 110.As shown in Fig. 2, the demand for loan and
Loan product carries out matched method and includes the following steps：
S202 matches multiple demands for loan and multiple loan products.
Specifically, affiliated demand for loan includes but not limited to be the amount of the loan, time limit, interest rate etc., the loan product packet
The length of maturity, interest rate, maximum amount of the loan etc. are included but are not limited to, the maximum amount of the loan can be adjusted according to the credit of user
It is whole；The matching includes：One-to-one, one-to-many, many-one, and/or multi-to-multi matching.Wherein, one-to-one is exactly a loan
Demand can be met just by a loan product, and one-to-many is exactly that can meet a loan need after multiple loan products combine just
It asks, many-one is exactly that can be met just by a loan product after multiple demands for loan are combined.In some embodiments, multiple
The matching of demand for loan/multiple loan products is parallel processing.It in some embodiments, can during carrying out matched
To continually add in new demand for loan/loan product to matching process.In some embodiments, matching process can into
All demand for loan/loan products in journey stop or terminate again after all matching, can also be according in the preset time
Only or matching process is terminated, the latter has greatly or constantly new demand for loan/loan product to be added very much mainly for number of matches
The case where.For the former, matching result should only include successful match and it fails to match, and the latter may include successful match,
It fails to match or does not match temporarily.In order to distinguish that it fails to match and not match temporarily, certain restrictive condition can be increased, for example, can
To set matching times threshold value and/or match time threshold value, more than being considered as the matching times threshold value and/or match time threshold value
It fails to match, and being considered as being less than does not match temporarily.
S204 obtains demand for loan/loan product that it fails to match according to matching result.
Specifically, in some embodiments, can be produced by the successful demand for loan of form record matching/loan of list
Product, what it is not on list is exactly that it fails to match.In further embodiments, can be failed by other list record matching
Demand for loan/loan product, it is as escribed above more than matching times threshold value and/or demand for loan/loan of match time threshold value
Money product.In further embodiments, or each demand for loan/loan product increases the ginseng for indicating matching status
Number, for example, parameter value takes 1 expression successful match, 0 indicates that it fails to match or does not match temporarily, then filters by another way
Fall temporarily it is not matched, to obtain what it fails to match.
S206, obtain the demand for loan/loan product that it fails to match leads to its parameter that it fails to match.
Specifically, the parameter of demand for loan/loan product includes but not limited to the amount of the loan, loan interest rate, the length of maturity
Deng.When once being matched, if it fails to match, for matching both sides, can obtain leading to the ginseng that this time it fails to match
Number；When replacement matching object matches again, if still it fails to match, for current matched matching both sides, lead to this
The secondary parameter that it fails to match and the parameter that leads to last time it fails to match may it is identical may be different；For some the loan that it fails to match
Money demand/loan product, if leading to its always identical one or several parameter that it fails to match every time, this or
Several parameters are exactly to lead to its parameter that it fails to match.In some embodiments, can be that demand for loan/loan product establishes one
List with record that it fails every time it is matched lead to the parameter that it fails to match, by matched causing to match to what is every time failed
The parameter of failure takes intersection, so that it may to obtain leading to the parameter that it fails to match.
S208, it is described pre- according to the parameter and the preset model modification demand for loan/loan product that it fails to match
If model trains to obtain by demand for loan/loan product of successful match.
In some embodiments, preset model can train a machine learning model to obtain by training data, training
Data can be demand for loan/loan product of successful match, and demand for loan/loan product of successful match described here is not
It is limited to the matched data acquired in above-mentioned S202, also includes history match data.Machine learning model can be nerve net
Network, convolutional neural networks, deep neural network, support vector machines, K-means, K-neighbors, decision tree, random forest,
One or more combinations in Bayesian network.
After the demand for loan/loan product modification, it is returned to step S202 and continues above-mentioned matching process.
Optionally, after modifying to demand for loan/loan product, the Experience Degree for user considers, in addition to sending
To the supplier of demand for loan/loan product, corresponding another party can also be further notified, when providing such as prediction waiting
Between, prompt the information such as bear with.In addition, when modified loan product is temporarily out of stock, it can carrying with call loan product
Supplier issues loan product again.The disclosure is not restricted this.
The embodiment of the present disclosure leads to its ginseng that it fails to match by acquisition demand for loan/loan product that it fails to match
Number, and change the matching according to the parameter and by the preset model that demand for loan/loan product of successful match is trained
Demand for loan/loan product of failure meets the demand for loan and reduction of more users to improve successful match rate
The leave unused capital of loan product, improves financial liquidity.
In some optional embodiments, step S202 may include：
The credit information of the applicant of the multiple demand for loan is obtained, specifically, as shown in Figure 1, server 110 can be with
From one or several middle credit informations for obtaining applicant in database 140, credit information includes but not limited to：Promise breaking in the recent period
Amount, educational background, occupation, real estate proof etc.；
Multiple demands for loan and multiple loan products are matched according to the credit information of the applicant got.
Specifically, can the multiple loan product first be adjusted according to the credit information of applicant, for example, the credit of some applicant because
Certain delays to repay and be affected, and credit level reduces, then the highest that can be directed to the applicant's reduction loan product is borrowed
The money amount of money reduces the length of maturity, and/or advances loan interest rate；It is then possible to by the institute after the multiple demand for loan and adjustment
Multiple loan products are stated to be matched.
In some optional embodiments, step S208 may include：
Judge that the type of the parameter, parameter type can be the amount of the loan, loan interest rate and the length of maturity, the disclosure is not
It is restricted；
When the parameter is the amount of the loan, judge that it is more than the maximum amount of the loan obtained according to the preset model,
Or less than the minimum amount of the loan obtained according to the preset model；
It is several small by splitting the parameter when it is more than the maximum amount of the loan obtained according to the preset model
In equal to the maximum amount of the loan and more than or equal to the parameter of the minimum amount of the loan, generate several new demands for loan/
Loan product；For example, an amount of the loan is the demand for loan of 600,000 RMB, it is 300,000 that can be split as two amounts of the loan
Demand for loan；
When it is less than the minimum amount of the loan obtained according to the preset model, the minimum amount of the loan is fed back to extremely
The supplier of a few demand for loan/loan product；For example, the amount of the loan in demand for loan is 100,000 RMB,
Less than the minimum amount of the loan 200,000, then the minimum amount of the loan 200,000 is fed back at least one demand for loan/loan product
Supplier.
In some optional embodiments, step S208 may include：
Judge the type of the parameter；
When the parameter is loan interest rate, the loan interest rate section that feedback is obtained according to the preset model is at least one
The supplier of a demand for loan/loan product；For example, the loan interest rate that it fails to match is caused to be 5%, and according to default mould
The loan interest rate section that type obtains is 6%-8%, then feeds back the loan interest rate section 6%-8% at least one loan
The supplier of demand/loan product；
When the parameter is the length of maturity, the length of maturity section that feedback is obtained according to the preset model is at least one
The supplier of a demand for loan/loan product；For example, the length of maturity that it fails to match is caused to be 2 years, and according to default
The length of maturity section that model obtains is 6-12 months, then feeds back the length of maturity section 6-12 months at least one described
The supplier of demand for loan/loan product.
The disclosure is described further below by way of specific embodiment.
Embodiment 1：For loan limit demand and the unmatched loan application of existing product, the parameter of loan limit is changed
After carry out loan portfolio：
In this example, a user has demand for loan, but can not find loan limit and the matched loan of user demand
Money product.By the analysis to user demand, system platform learns that user inputs the amount of the loan 200,000, interest rate 5%, but in system
Meet 200,000 loan product interest rate minimum 6%, therefore the amount of the loan part in the demand for loan information of user is torn open
Point, one 50,000, one 80,000, one 70,000 are such as split into, 5% loan is less than automatically according to the amount of money matching interest rate after fractionation
Product, then the multiple loan products for meeting demand are combined into 200,000 amount of money, complete the borrowing needs of user.
Embodiment 2：The loan portfolio of user demand is unsatisfactory for the payback period：
In this example, a user has demand for loan, but can not find the loan to match with his length of maturity and produce
Product.Pass through the analysis to user demand, it is known that user inputs the amount of the loan 200,000, it is desirable to provide a loan 6 months, but meet 20 in system
The ten thousand loan product length of maturity is above 12 months, therefore is split to the information of loan product, by wherein 6 months when
In lend the user, in addition match within 6 months other in the amount of money and meet the user of demand in terms of the time.Further, if
The loan time of certain user is 24 months, and the loan product for meeting loan limit at most only has 12 months, then by the user's
Demand splits into different length of maturity combinations and provides a loan, such as splits into 12 months, 8 months, 4 months arbitrary symbols by 24 months
Multiple loan products, are combined into 24 months lengths of maturity by the arbitrary combination (two, three etc.) for closing the loan product time limit, complete
At the borrowing needs of user.
Embodiment 3：The specific side of automatic loan portfolio is carried out to being all unsatisfactory for user demand during loan limit and refund
Case is as follows：
In this embodiment, the demand for loan uploaded according to user, system is in two sides of loan limit and payback period
Face does not all meet the loan product of user demand.By the demand to user gold is carried out in loan limit and during refunding respectively
The fractionation of volume and the aspect of time two, according to the user demand after fractionation, then the loan product that goes matching to suit the requirements, and by this
A little loan products for meeting demand meet the total demand of user in combination.Such as：The amount of the loan of user A is 30
Ten thousand, the length of maturity is 6 years, can be with two characteristics of the amount of money of loan portfolio product and time limit, specifically in conjunction with all loan products
Ground can first gather enough the length of maturity as 2 years loan products, then match the amount of money (200,000 lengths of maturity that combination completes 300,000
It is 2 years, 100,000 lengths of maturity are 2 years), within rear 4 years lengths of maturity can match the amount of money can both help user to complete
The loan product of amount of the loan loan can help user to repay again before, specific combination combine two characteristics of loan product, matching
The amount of the loan is 600,000, the loan product that the length of maturity is 2 years.Specific combination is matched according to the specific requirements of user, together
Shi Zuhe can be multiple, not limit specifically.
Embodiment 4：According to different user demands, two characteristics of the middle amount of the loan and time limit, are provided a loan with one according to demand
Product meets the demand for loan of multiple users：
In this embodiment, the demand for loan uploaded according to user, system can according to the demand of user, according to loan
Two characteristics of the amount of money and time of product, loan product is split in terms of two characteristics to match multiple user demands.Such as：
The amount of money of one loan product is 600,000, and the payback period is 2 years, in conjunction with the common requirements of user, the client of ordinary loan 600,000,
It is difficult to pay off loan in 2 years, system is then split to 600,000 automatically, and the user that the matching loan time is 2 years will meet loan
The user demand of money time combines, and meets the overall loan amount of money 600,000.The length of maturity of some finance can similarly be carried out
It splits, the amount of money and the length of maturity can also all be split, specific split has been come with user's combination in conjunction with the demand of user
At.
In a particular embodiment (such as in combination with loan product and multiple characteristics of user demand：The amount of money, time, profit
Rate etc.) it is split and is combined as the case may be, it is not limited to foregoing description.
It is that demand for loan that the disclosure provides and loan product carry out the specific implementation mode of matched method above.
Fig. 3 is to carry out matched device signal according to demand for loan shown in some embodiments of the present disclosure and loan product
Figure.As shown in figure 3, it includes matching module 310, the first acquisition module that demand for loan and loan product, which carry out matched device 300,
320, the second acquisition module 330 and modified module 340.The function that the demand for loan and loan product carry out matched device can
To be executed by the server 110 in financial interactive system 100.Wherein：
Matching module 310, for matching multiple demands for loan and multiple loan products；
First acquisition module 320, for obtaining demand for loan/loan product that it fails to match according to matching result；
Second acquisition module 330 obtains leading to it fails to match for the demand for loan/loan product that it fails to match
Parameter；
Modified module 340, for according to the parameter and the preset model modification demand for loan/loan that it fails to match
Product, the preset model train to obtain by demand for loan/loan product of successful match；And by the modified loan
Demand/loan product is sent to the matching module and repeats above-mentioned matching process.
Wherein, by the setting of preset model, it is rational pre- that progress whether can be matched to demand for loan/loan product
Phase judges；If parameter is in except the parameter area that the preset model provides, as unreasonable demand for loan/loan production
Product, at this moment can refuse further to carry out matching process but the provider of call loan demand/loan product carries out parameter
Modification.It can not also be set by preset model to whether demand for loan/loan product matches the rational anticipation and decision of progress
It sets, can be arranged after obtaining demand for loan/loan product, the disclosure is not restricted.
In some optional embodiments, the matching module 310 can also include：Credit information acquisition submodule is used
In the credit information for the applicant for obtaining the multiple demand for loan；The matching module can be believed according to the credit of the applicant
Breath matches multiple demands for loan and multiple loan products；The matching module 310 can also include that loan product adjusts
The credit information of submodule, the applicant for being obtained according to the credit information acquisition submodule adjusts the multiple loan
Money product；The matching module can match the multiple loan product after the multiple demand for loan and adjustment.?
In the matching module, the matching includes following at least one：One-to-one, one-to-many, many-one, and/or multi-to-multi matching.
In some optional embodiments, the modified module 340 may include：Parameter type judging submodule, is used for
Judge the type of the parameter；Amount of the loan judging submodule, for judging the ginseng when the parameter type judging submodule
When number is the amount of the loan, judge that the parameter is more than the maximum amount of the loan obtained according to the preset model, or be less than basis
The minimum amount of the loan that the preset model obtains；Submodule is split, for judging institute when the amount of the loan judging submodule
It it is several be less than or equal to by splitting the parameter when stating parameter more than the maximum amount of the loan obtained according to the preset model
The maximum amount of the loan and the parameter for being more than or equal to the minimum amount of the loan, generate several new demands for loan/loan production
Product；First feedback submodule, for judging that the parameter is less than according to the default mould when the amount of the loan judging submodule
When the minimum amount of the loan that type obtains, the minimum amount of the loan is fed back at least one demand for loan/loan product
Supplier.
In some optional embodiments, the modified module 340 may include：Parameter type judging submodule, is used for
Judge the type of the parameter；Second feedback submodule, judges that the parameter is for working as the parameter type judging submodule
When loan interest rate, the loan interest rate section that feedback is obtained according to the preset model is at least one demand for loan/loan
The supplier of product；Third feeds back submodule, judges that the parameter is the loan phase for working as the parameter type judging submodule
In limited time, the length of maturity section that feedback is obtained according to the preset model is at least one demand for loan/loan product
Supplier.
Another aspect of the present disclosure provides a kind of demand for loan and loan product carries out matched system, the system packet
It includes：Memory and one or more processors；Wherein, the memory is connect with one or more of processor communications,
The instruction that can be executed by one or more of processors is stored in the memory, described instruction is one or more of
Processor executes, so that one or more of processors are for executing foregoing demand for loan and loan product progress
The method matched.
The disclosure additionally provides a kind of computer readable storage medium, is stored thereon with computer executable instructions, works as institute
When stating computer executable instructions and being executed by a computing apparatus, it is operable to execute foregoing loan application demand and loan produces
Product carry out matched method.
In conclusion the present disclosure proposes a kind of demand for loan and loan product carry out matched method, apparatus, system and
Its computer readable storage medium.The embodiment of the present disclosure leads to it by acquisition demand for loan/loan product that it fails to match
The parameter that it fails to match, and the default mould trained according to the parameter and by demand for loan/loan product of successful match
Type changes the demand for loan/loan product that it fails to match and meets the loan of more users to improve successful match rate
Demand and the leave unused capital for reducing loan product, improve financial liquidity.
It should be understood that the above-mentioned specific implementation mode of the disclosure is used only for exemplary illustration or explains the disclosure
Principle, without constituting the limitation to the disclosure.Therefore, that is done without departing from spirit and scope of the present disclosure is any
Modification, equivalent replacement, improvement etc., should be included within the protection domain of the disclosure.In addition, disclosure appended claims purport
Covering the whole variations fallen into attached claim scope and boundary or this range and the equivalent form on boundary and is repairing
Change example.
Claims (14)
1. a kind of demand for loan and loan product carry out matched method, which is characterized in that including：
Multiple demands for loan and multiple loan products are matched；
Demand for loan/loan product that it fails to match is obtained according to matching result；
Obtain the demand for loan/loan product that it fails to match leads to its parameter that it fails to match；
According to the parameter and the preset model modification demand for loan/loan product that it fails to match, the preset model is logical
Successful demand for loan/the loan product of overmatching trains to obtain；
The modified demand for loan/loan product is repeated into above-mentioned matching process.
2. demand for loan according to claim 1 and loan product carry out matched method, which is characterized in that it is described will be more
A demand for loan and multiple loan products carry out matching：
Obtain the credit information of the applicant of the multiple demand for loan；
Multiple demands for loan and multiple loan products are matched according to the credit information of the applicant.
3. demand for loan according to claim 2 and loan product carry out matched method, which is characterized in that the basis
Multiple demands for loan and multiple loan products are carried out matching by the credit information of the applicant：
The multiple loan product is adjusted according to the credit information of the applicant；
The multiple loan product after the multiple demand for loan and adjustment is matched.
4. demand for loan according to claim 1 and loan product carry out matched method, which is characterized in that the matching
Including：One-to-one, one-to-many, many-one, and/or multi-to-multi matching.
5. demand for loan according to claim 1 and loan product carry out matched method, which is characterized in that the basis
The parameter and the preset model modification demand for loan/loan product that it fails to match include：
When the parameter is the amount of the loan, judge that it is more than the maximum amount of the loan obtained according to the preset model or small
In the minimum amount of the loan obtained according to the preset model；
It it is several be less than etc. by splitting the parameter when it is more than the maximum amount of the loan obtained according to the preset model
In the maximum amount of the loan and more than or equal to the parameter of the minimum amount of the loan, several new demand for loan/loans are generated
Product；
When it is less than the minimum amount of the loan obtained according to the preset model, the minimum amount of the loan is fed back at least one
The supplier of a demand for loan/loan product.
6. demand for loan according to claim 1 and loan product carry out matched method, which is characterized in that the basis
The parameter and the preset model modification demand for loan/loan product that it fails to match include：
When the parameter is loan interest rate, the loan interest rate section that feedback is obtained according to the preset model is at least one institute
State the supplier of demand for loan/loan product；
When the parameter is the length of maturity, the length of maturity section that feedback is obtained according to the preset model is at least one institute
State the supplier of demand for loan/loan product.
7. a kind of demand for loan and loan product carry out matched device, which is characterized in that including：
Matching module, for matching multiple demands for loan and multiple loan products；
First acquisition module, for obtaining demand for loan/loan product that it fails to match according to matching result；
Second acquisition module, obtain the demand for loan/loan product that it fails to match leads to its parameter that it fails to match；
Modified module, for according to the parameter and the preset model modification demand for loan/loan product that it fails to match, institute
Preset model is stated to train to obtain by demand for loan/loan product of successful match；And by the modified demand for loan/loan
Money product is sent to the matching module and repeats above-mentioned matching process.
8. demand for loan according to claim 7 and loan product carry out matched device, which is characterized in that the matching
Module further includes credit information acquisition submodule, the credit information of the applicant for obtaining the multiple demand for loan, described
Matching module can match multiple demands for loan and multiple loan products according to the credit information of the applicant.
9. demand for loan according to claim 8 and loan product carry out matched device, which is characterized in that the matching
Module further includes loan product adjustment submodule, the applicant's for being obtained according to the credit information acquisition submodule
Credit information adjusts the multiple loan product；The matching module can will the multiple demand for loan and adjustment after it is described more
A loan product is matched.
10. demand for loan according to claim 7 and loan product carry out matched device, which is characterized in that described
In matching module, the matching includes following at least one：One-to-one, one-to-many, many-one, and/or multi-to-multi matching.
11. demand for loan according to claim 7 and loan product carry out matched device, which is characterized in that described to repair
Changing module includes：
Parameter type judging submodule, the type for judging the parameter；
Amount of the loan judging submodule, for when the parameter type judging submodule judges that the parameter is the amount of the loan,
Judge that the parameter is more than the maximum amount of the loan obtained according to the preset model, or is obtained less than according to the preset model
The minimum amount of the loan；
Submodule is split, judges the parameter more than being obtained according to the preset model for working as the amount of the loan judging submodule
When the maximum amount of the loan gone out, it is less than or equal to the maximum amount of the loan and more than or equal to institute by splitting the parameter to be several
The parameter of the minimum amount of the loan is stated, several new demand for loan/loan products are generated；
First feedback submodule, for judging that the parameter is less than according to the default mould when the amount of the loan judging submodule
When the minimum amount of the loan that type obtains, the minimum amount of the loan is fed back at least one demand for loan/loan product
Supplier.
12. demand for loan according to claim 7 and loan product carry out matched device, which is characterized in that described to repair
Changing module includes：
Parameter type judging submodule, the type for judging the parameter；
Second feedback submodule, for when the parameter type judging submodule judges that the parameter is loan interest rate, feeding back
The supplier of at least one demand for loan/loan product is given in the loan interest rate section obtained according to the preset model；
Third feeds back submodule, for when the parameter type judging submodule judges that the parameter is the length of maturity, feeding back
Obtained according to the preset model the length of maturity section at least one demand for loan/loan product supplier.
13. a kind of loan application demand and loan product carry out matched system, which is characterized in that the system includes：
Memory and one or more processors；
Wherein, the memory is connect with one or more of processor communications, and being stored in the memory can be described
The instruction that one or more processors execute, described instruction executed by one or more of processors so that it is one or
Multiple processors require 1-6 any one of them methods for perform claim.
14. a kind of computer readable storage medium, is stored thereon with computer executable instructions, refer to when the computer is executable
When order is executed by a computing apparatus, it is operable to perform claim and requires 1-6 any one of them methods.
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