CN109064312A - A kind of loan for vehicle risk control method, electronic device and storage medium - Google Patents
A kind of loan for vehicle risk control method, electronic device and storage medium Download PDFInfo
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- CN109064312A CN109064312A CN201810785969.2A CN201810785969A CN109064312A CN 109064312 A CN109064312 A CN 109064312A CN 201810785969 A CN201810785969 A CN 201810785969A CN 109064312 A CN109064312 A CN 109064312A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention discloses a kind of loan for vehicle risk control method, electronic device and storage mediums, the described method includes: acquiring the operation data of vehicle in preset time period, the risk management and control model of vehicle is generated according to operation data, operation conditions and risk assessment based on vehicle provide risk class and loan limit；After loan origination, the operation data and waybill of vehicle are monitored in real time, the current achievement situation and loan repayment ability of prospective borrower are judged in conjunction with risk management and control model；During loan recovery, according to loan repayment situation, refund prompting is carried out to prospective borrower in time, and real-time tracking vehicle location is used to ensure the completion of loan recovery.The present invention operation data interior for a period of time by monitoring haulage vehicle, analyze the operation conditions and risk situation of vehicle, assess prospective borrower risk class and can loan limit, to vehicle borrow preceding audit, borrow in manage and borrow after the risk control recycled, the refund rate of loan is improved, credit risk is reduced.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of loan for vehicle risk control method, electronic device and
Storage medium.
Background technique
Factoring business be premised on creditor transfers the possession of its accounts receivable, collection accounts receivable collection, management, bad credit guarantee and
It finances in the comprehensive financial service of one, its accounts receivable is transferred business bank, mentioned from business bank to it by creditor
For at least one of following services, as factoring business:
(1) accounts receivable collection: business bank actively or answers creditor to require, takes phone, letter according to the accounts receivable account phase
Part, the modes such as visit carry out collection to debtor with legal means etc..
(2) receivable management: business bank periodically or non-periodically provides it according to the requirement of creditor about receivable
The finance such as the recovering state of funds on account, overdue funds on account situation, statement and statistical report form, assist it to carry out receivable management.
(3) bad credit is assured: after business bank and creditor sign factoring agreement, credit line is appraised and decided for debtor, and
It checks and approves in amount, the accounts receivable to creditor without trade disputes provides the guarantee of payment of agreement.
(4) factoring is financed: the bank financing service premised on transfer legal on accounts receivable, effective.
Existing factoring risk management and control mechanism, mainly by investigate and examine associated documents to seller client
Core is investigated first is that starting with from enterprise itself, including the investigation analysis to enterprise financial report, comprising: balance sheet, benefit
Moisten table, cash flow statement etc.；The record of analysis to enterprise marketing ledger, mainly supplier to itself and debtor's transaction；
With the interview of enterprise management level etc., the operation and management situation of enterprise is understood.Second is that investigated from enterprise external, including from selling
Main correspondent bank of side obtains relevant information and its evaluation to the seller；The basic feelings of the affiliated industry of the seller are understood from professional institution
Condition；And the business relations etc. established by the investigation confirmation both parties to seller client (buyer), to judge the seller
Assessment is made if appropriate for factoring business and to risk.
Existing factoring risk management and control mechanism, mainly based on the artificial investigation and audit of operational staff, excessive
Artificial judgment is relied on, is easy to be influenced by subjective factor, accurate, effective control can not be carried out.
Therefore, the existing technology needs to be improved and developed.
Summary of the invention
The technical problem to be solved in the present invention is that the present invention provides a kind of loan for vehicle wind for prior art defect
Dangerous control method, electronic device and storage medium, it is intended to by the operation data that monitoring haulage vehicle is interior for a period of time, analyze vehicle
Operation conditions and risk situation, assess prospective borrower risk class and can loan limit, to vehicle borrow preceding audit,
The risk control recycled after managing and borrow in loan, improves the refund rate of loan, reduces credit risk.
The technical proposal for solving the technical problem of the invention is as follows:
A kind of loan for vehicle risk control method, wherein the loan for vehicle risk control method includes:
The operation data for acquiring vehicle in preset time period generates the risk management and control model of vehicle according to operation data, is based on vehicle
Operation conditions and risk assessment provide risk class and loan limit；
After loan origination, the operation data and waybill of vehicle are monitored in real time, in conjunction with risk management and control model judgement loan pair
The current achievement situation and loan repayment ability of elephant；
During loan recovery, according to loan repayment situation, refund prompting, and real-time tracking vehicle are carried out to prospective borrower in time
Position is used to ensure the completion of loan recovery.
The loan for vehicle risk control method, wherein the operation data of vehicle, root in the acquisition preset time period
The risk management and control model of vehicle is generated according to operation data, operation conditions and risk assessment based on vehicle provide risk class and loan
Amount of money degree further include:
The location data, height above sea level and travel speed for obtaining vehicle in real time by GPS BDS module, pass through nine Axle moulds
Block obtains the driving status of vehicle in real time, continuously drives duration by acquisition vehicle and judges driver with the presence or absence of fatigue driving.
The loan for vehicle risk control method, wherein the operation data of vehicle, root in the acquisition preset time period
The risk management and control model of vehicle is generated according to operation data, operation conditions and risk assessment based on vehicle provide risk class and loan
Amount of money degree specifically includes:
When detecting user's registration, receive information of vehicles, driver information, policy information, violation information, business contract and
The typing of accounts receivable flowing water information；
After the completion of detecting vehicle cargo transport loading, the typing of waybill is received；
After the completion of detecting cargo transport, the typing of waybill receipt information and pass cost is received；
It is automatically one risk management and control model of each vehicle generation according to the data of typing, and according to the operation conditions and wind of vehicle
Danger assessment provides risk class and loan limit.
The loan for vehicle risk control method, wherein described to be provided according to the operation conditions and risk assessment of vehicle
Risk class and loan limit specifically include:
According to current oil price trend, the transit route of the industry salary average value of driver, current business contract and transport goods
Species type estimates practical accounts receivable amount, in conjunction with the accounts receivable amount in business contract and applies for that loan limit is commented
Estimate, provides risk class and can loan limit.
The loan for vehicle risk control method, wherein it is described after loan origination, monitor the operation number of vehicle in real time
According to and waybill, judge that the current achievement situation of prospective borrower and loan repayment ability are specifically wrapped in conjunction with risk management and control model
It includes:
Vehicle location, travel route, fatigue driving situation, vehicle transport route statistics is monitored in real time to believe with analysis and waybill
Breath；
The waybill include: actually set out address, actual purpose address, transport cargo weight, transport cargo type,
Transport departure time and waybill sign for the time；
According to the comparing result of actual monitored data and waybill, the current industry of prospective borrower is judged in conjunction with risk management and control model
Achievement situation and loan repayment ability.
The loan for vehicle risk control method, wherein it is described after loan origination, monitor the operation number of vehicle in real time
According to and waybill, the current achievement situation and loan repayment ability of prospective borrower are judged in conjunction with risk management and control model further include:
The vehicle calculated according to positioning data of vehicles and vehicle-state is practical set out address and actual purpose address whether with waybill
It is consistent in information；
According to pass cost, light weight data, whether consistent in waybill vehicle physicals loading capacity is calculated；
It is set out address, destination address and vehicle actual travel route according to vehicle, judges whether the transit route of vehicle is optimal；
According to the fatigue driving situation of vehicle, the vehicle speed data of road section information and each period, the driving habit of driver is judged
It is whether good.
The loan for vehicle risk control method, wherein the loan for vehicle risk control method further include:
The data for receiving acquisition by data gateway and uploading, after preliminary classification is handled, database is arrived in storage；
OCR identification is carried out for the photo for upload of taking pictures, is saved in database after extracted valid data；
The data or excel file uploaded for page end, are saved in database after extracting.
The loan for vehicle risk control method, wherein it is described during loan recovery, according to loan repayment feelings
Condition carries out refund prompting to prospective borrower in time, and real-time tracking vehicle location is for ensuring that the completion of loan recovery is specifically wrapped
It includes:
According to the refund situation of prospective borrower, carried out by way of cell phone application, wechat public platform, short message or telephonograph
It refunds and reminds；
Real-time tracking vehicle location monitors the operating condition of vehicle, it is ensured that the recycling of loan.
A kind of storage medium, wherein the storage medium is stored with loan for vehicle risk control program, the loan for vehicle
The step of loan for vehicle risk control method as described above is realized when risk control program is executed by processor.
The invention discloses a kind of loan for vehicle risk control method, electronic device and storage mediums, which comprises
The operation data for acquiring vehicle in preset time period generates the risk management and control model of vehicle according to operation data, based on vehicle
Operation conditions and risk assessment provide risk class and loan limit；After loan origination, the operation data of vehicle is monitored in real time
And waybill, the current achievement situation and loan repayment ability of prospective borrower are judged in conjunction with risk management and control model；It is providing a loan back
During receipts, according to loan repayment situation, refund prompting is carried out to prospective borrower in time, and real-time tracking vehicle location is for true
Protect the completion of loan recovery.The present invention operation data interior for a period of time by monitoring haulage vehicle, analyzes the operation shape of vehicle
Condition and risk situation, assess prospective borrower risk class and can loan limit, to vehicle borrow preceding audit, borrow in management with
And the risk control recycled after borrowing, the refund rate of loan is improved, credit risk is reduced.
Detailed description of the invention
Fig. 1 is the flow chart of the preferred embodiment of loan for vehicle risk control method of the present invention；
Fig. 2 is the flow chart of step S10 in the preferred embodiment of loan for vehicle risk control method of the present invention；
Fig. 3 is the flow chart of step S20 in the preferred embodiment of loan for vehicle risk control method of the present invention；
Fig. 4 is the flow chart of step S30 in the preferred embodiment of loan for vehicle risk control method of the present invention；
Fig. 5 is the running environment schematic diagram of the preferred embodiment of electronic device of the present invention.
Specific embodiment
To make the objectives, technical solutions, and advantages of the present invention clearer and more explicit, right as follows in conjunction with drawings and embodiments
The present invention is further described.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and do not have to
It is of the invention in limiting.
Loan for vehicle risk control method described in present pre-ferred embodiments, as shown in Figure 1, the loan for vehicle risk
Control method the following steps are included:
Step S10, the operation data for acquiring vehicle in preset time period generates the risk management and control mould of vehicle according to operation data
Type, operation conditions and risk assessment based on vehicle provide risk class and loan limit.
Specifically, detailed process is referring to Fig. 2, it is step in loan for vehicle risk control method provided by the invention
The flow chart of S10.
As shown in Fig. 2, the step S10 includes:
S11, when detecting user's registration, receive information of vehicles, driver information, policy information, violation information, business contract
And the typing of accounts receivable flowing water information；
S12, when detect vehicle cargo transport loading after the completion of, receive the typing of waybill；
S13, after the completion of detecting cargo transport, receive waybill receipt information and pass cost typing；
S14, according to the data of typing automatically it is that each vehicle generates a risk management and control model, and according to the operation conditions of vehicle
Risk class and loan limit are provided with risk assessment.
Specifically, the operation conditions and risk assessment according to vehicle provides risk class and loan limit and specifically wraps
It includes: according to current oil price trend, the transit route of the industry salary average value of driver, current business contract and transport cargo
Type estimates practical accounts receivable amount, in conjunction with the accounts receivable amount in business contract and applies for that loan limit is assessed,
Provide risk class and can loan limit.
Further, the present invention also pass through GPS BDS module obtain in real time the location data of vehicle, height above sea level with
And travel speed, it obtains the driving status of vehicle in real time by nine axle modules, duration judgement is continuously driven by acquisition vehicle and is driven
The person of sailing whether there is fatigue driving.
Step S20, after loan origination, the operation data and waybill of vehicle are monitored in real time, in conjunction with risk management and control mould
Type judges the current achievement situation and loan repayment ability of prospective borrower.
Specifically, specific process is referring to Fig. 3, it is step in loan for vehicle risk control method provided by the invention
The flow chart of S20.
As shown in figure 3, the step S20 includes:
S21, real time monitoring vehicle location, travel route, fatigue driving situation, vehicle transport route statistics and analysis and waybill
Information；
Wherein, the waybill includes: actually set out address, actual purpose address, the weight for transporting cargo, transport cargo
Type, transport departure time and waybill sign for the time.
S22, according to the comparing result of actual monitored data and waybill, judge prospective borrower in conjunction with risk management and control model
Current achievement situation and loan repayment ability.
Further, practical address and the reality of setting out of vehicle that the present invention is calculated also according to positioning data of vehicles and vehicle-state
Whether border destination address is consistent in waybill；According to pass cost, light weight data, the load-carrying of vehicle physicals is calculated
It whether consistent in waybill measures；It is set out address, destination address and vehicle actual travel route according to vehicle, judges vehicle
Transit route it is whether optimal；According to the fatigue driving situation of vehicle, the vehicle speed data of road section information and each period, judgement is driven
Whether the driving habit for the person of sailing is good.
Step S30, during loan recovery, according to loan repayment situation, refund prompting is carried out to prospective borrower in time,
And real-time tracking vehicle location is used to ensure the completion of loan recovery.
Specifically, detailed process is referring to Fig. 4, it is step in loan for vehicle risk control method provided by the invention
The flow chart of S30.
As shown in figure 4, the step S30 includes:
S31, the refund situation according to prospective borrower, by way of cell phone application, wechat public platform, short message or telephonograph
Carry out refund prompting；
S32, real-time tracking vehicle location, monitor the operating condition of vehicle, it is ensured that the recycling of loan.
Specifically, data of the invention acquisition and typing include two ways:
First, the real time positioning data of vehicle, the real-time height above sea level for acquiring vehicle, acquisition are acquired by intelligent vehicle-mounted device
The real time running speed of vehicle judges vehicle-state: flame-out, igniting, parking, traveling etc. judge driver tired driving situation；
For example, intelligent vehicle-mounted device passes through built-in GPS(Global Positioning System, global positioning system) or BDS
(BeiDou Navigation Satellite System, Beidou satellite navigation system) locating module obtains vehicle in real time
The data such as positioning, height above sea level, travel speed；Obtain driving status (including the flame-out, point of vehicle in real time by nine built-in axle modules
The states such as fire, parking, traveling)；Duration, which is continuously driven, by vehicle judges whether there is fatigue driving (legal provisions, continuous driving
More than 4 hours, then be fatigue driving).
Second, pass through cell phone application typing, the typing of wechat public platform and WEB terminal (page end) typing；When user starts to register
When, the following information of typing: information of vehicles (including driving license, motor number, mileage travelled, vehicle name plate information etc.), driver
Information (including identity card, driver's license etc.), policy information (including Effective Period of Insurance, declaration form content, declaration form amount etc.), letter violating the regulations
Breath (including hypervelocity, overload, make a dash across the red light, disobey stop), business contract (including contract parties's qualification information, transit route, freight charges gold
Volume, cargo type etc.) and accounts receivable flowing water (bank's pipelined data monthly)；Typing is transported after the completion of cargo transport loading
Single information, waybill include that the weight for transporting cargo, the type for transporting cargo, transport departure time, waybill sign for time, fortune
Singly set out address, waybill destination address etc.；Typing waybill receipt information after the completion of cargo transport (confirmation message is completed in transport)
With current charge information.
Such as by cell phone application, wechat public platform, WEB terminal, the typing of related data is carried out, and be reported to gateway, it uses
Cell phone application and wechat public platform to information of vehicles (driving license, motor number, mileage travelled, vehicle name plate information etc.) and drive
Member's information (identity card, driver's license etc.) is taken pictures, and data gateway is uploaded to；WEB terminal is to policy information, violation information, business
Contract information, bank's flowing water information carry out typing, the mode typing for supporting excel file to import, and are uploaded to data gateway.
It after data information typing, is handled by data access gateway, data access gateway is based on gateway service
The business integration of device can easily realize the interconnection between multiple operation systems, realize information and process between each system
Shared and management, optimize the information exchange of multiple operation systems, at the same for enterprise provide an opening, reliably, safety, Gao Xing
Can, expansible integrated skeleton, provide comprehensive business see-through capabilities for enterprise, cut operating costs, realization business partner it
Between service data interaction.
Therefore, the network communication and data interaction of each operation system, pair unified are realized by data access gateway
Outer access and load balancing guarantee that high concurrent and system are stablized, to mass data carry out non-relational classification (not according to data it
Between the interrelational form angle classifying, but stored from data processing and data, classify to data, improve storage and
The efficiency of processing) and storage, improve the handling capacity and treatment effeciency of database.
Data access gateway is to the upload data for receiving intelligent vehicle-mounted device, after preliminary classification is handled, storage to number
According to library；To the photo that cell phone application and wechat public platform upload, OCR(Optical Character Recognition, light are carried out
Learn character recognition) it identifies, extracted valid data is saved in database；The data or excel file upload to WEB terminal, are mentioned
After taking, it is saved in database.
For example, identifying driver's license information by OCR, cutting process is carried out to driver's license photo first, is divided into homepage and pair
Two pictures of page；According to the format of driver's license homepage, subregion division is carried out to homepage picture, passes through character recognition technology, judgement
Whether title are as follows: " People's Republic of China's motor vehicle driving license ", according to homepage format, is known if title is correct by text
Other technology, extract the text information of each subregion: name, name, nationality, address, date of birth, first neck card date, standard are driven
Type, term of validity and Public Security Department's information；And picture is cut, extract driver's photo；According to driver's license sideline production
Format, whether subregion division, which by character recognition technology judges title, is carried out to sideline production picture are as follows: " the People's Republic of China (PRC)
Motor vehicle driving license sub-page " is extracted according to sub-page format by character recognition technology if title is correct: " identification card number ",
Name, Docket No., record.
Followed by data processing and risk management, after being associated processing to the data in database, establishes and correspond to
The risk management and control model of vehicle imports all data, including vehicle data, Driver data, declaration form data, contract of transportation number
According to, violation data, current oil price trend, driver's industry salary data, transit route and transport cargo type etc., to vehicle into
It is recycled after management, loan in auditing, borrowing before row risk management, including loan.
Wherein, audit specifically includes before borrowing: accounts receivable being shared vehicle, with a vehicle, a driver, Yi Fenying
Receipt on account money is a reviewing authority, comprising: information of vehicles, driver information, the policy information of vehicle the previous year, vehicle the previous year
Violation information (exceed the speed limit, make a dash across the red light, disobey stop, overload), vehicle the previous year business contract, carrier's the previous year accounts receivable
Flowing water, current year policy information, current business contract etc.；After staff carries out preliminary audit survey, information above is imported into platform,
Platform is that each vehicle generates a risk management and control model according to these data automatically, according to current oil price trend, driver
Industry salary average value, current business contract transit route and transport cargo type estimate practical accounts receivable amount, tie
Close business contract in accounts receivable amount, application loan limit, assessed, provide risk class and can loan limit,
Middle prospective borrower includes loglstics enterprise or transport driver.
Wherein, management includes: the real-time locating and monitoring of vehicle, the monitoring of real-time vehicle running route, vehicle fatigue driving in loan
Situation monitoring, vehicle transport route statistics and analysis (high speed, national highway, the accounting of provincial highway, traveling duration accounting, speed accounting),
Waybill monitoring (weight of transport cargo, the type for transporting cargo, transport departure time, waybill sign for time etc.)；According to
The practical address of setting out of vehicle that positioning data of vehicles and vehicle-state calculate, actual purpose address whether with it is consistent in waybill；Root
According to data such as pass cost, light weights, vehicle physicals loading capacity is calculated, if consistent in waybill；Gone out according to vehicle
Address, destination address, vehicle actual travel route are sent out, judges whether the transit route of vehicle is optimal；It is driven according to the fatigue of vehicle
Situation, road section information, the vehicle speed data of each period are sailed, judges whether the driving habit of driver is good；According to above data,
In conjunction with risk management and control model, judges loglstics enterprise or transport the current achievement situation and loan repayment ability of driver.
Wherein, recycling includes: to refund to remind after loan, and during loan recovery, platform is according to loan repayment situation, platform
It sends refund automatically to prospective borrower to remind, alerting pattern includes the side such as cell phone application, wechat public platform, short message, telephonograph
Formula, and real-time tracking vehicle location, it is ensured that the completion of loan recovery.
In addition, the present invention can also record each loan and repaying situation of prospective borrower, as next time
The Auditing Principal of loan, it is shorter that the better user of credit examines the time next time, is conducive to shorten the examination & approval time and safeguard high-quality
Loan customer.
As shown in figure 5, being based on above-mentioned loan for vehicle risk control method, the present invention further correspondingly provides a kind of electronics dress
It sets, the electronic device includes processor 10, memory 20 and display 30.Fig. 5 illustrates only the members of electronic device,
It should be understood that be not required for implementing all components shown, the implementation that can be substituted is more or less component.
The memory 20 can be the internal storage unit of the electronic device, such as electronics dress in some embodiments
The hard disk or memory set.The external storage that the memory 20 is also possible to the electronic device in further embodiments is set
Plug-in type hard disk that is standby, such as being equipped on the electronic device, intelligent memory card (Smart Media Card, SMC), safety
Digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further, the memory 20 can also be both
Internal storage unit including institute's electronic device also includes External memory equipment.The memory 20 is installed on described for storage
Application software and Various types of data, such as the program code of the mounting electronic device of electronic device etc..The memory 20 is also
It can be used for temporarily storing the data that has exported or will export.In one embodiment, vehicle is stored on memory 20
Credit risk controls program 40, which can be performed by processor 10, to realize this Shen
It please middle loan for vehicle risk control method.
The processor 10 can be in some embodiments a central processing unit (Central Processing Unit,
CPU), microprocessor or other data processing chips, for running the program code stored in the memory 20 or processing number
According to, such as execute the loan for vehicle risk control method etc..
The display 30 can be light-emitting diode display, liquid crystal display, touch-control liquid crystal display in some embodiments
And OLED(Organic Light-Emitting Diode, Organic Light Emitting Diode) touch device etc..The display 30 is used
In the information for being shown in the electronic device and for showing visual user interface.The component 10- of the electronic device
30 are in communication with each other by system bus.
In one embodiment, the realization when processor 10 executes loan for vehicle risk control program 40 in the memory 20
Following steps:
The operation data for acquiring vehicle in preset time period generates the risk management and control model of vehicle according to operation data, is based on vehicle
Operation conditions and risk assessment provide risk class and loan limit；
After loan origination, the operation data and waybill of vehicle are monitored in real time, in conjunction with risk management and control model judgement loan pair
The current achievement situation and loan repayment ability of elephant；
During loan recovery, according to loan repayment situation, refund prompting, and real-time tracking vehicle are carried out to prospective borrower in time
Position is used to ensure the completion of loan recovery.
The operation data of vehicle in the acquisition preset time period generates the risk management and control mould of vehicle according to operation data
Type, operation conditions and risk assessment based on vehicle provide risk class and loan limit further include:
The location data, height above sea level and travel speed for obtaining vehicle in real time by GPS BDS module, pass through nine Axle moulds
Block obtains the driving status of vehicle in real time, continuously drives duration by acquisition vehicle and judges driver with the presence or absence of fatigue driving.
The operation data of vehicle in the acquisition preset time period generates the risk management and control mould of vehicle according to operation data
Type, operation conditions and risk assessment based on vehicle provide risk class and loan limit specifically includes:
When detecting user's registration, receive information of vehicles, driver information, policy information, violation information, business contract and
The typing of accounts receivable flowing water information；
After the completion of detecting vehicle cargo transport loading, the typing of waybill is received；
After the completion of detecting cargo transport, the typing of waybill receipt information and pass cost is received；
It is automatically one risk management and control model of each vehicle generation according to the data of typing, and according to the operation conditions and wind of vehicle
Danger assessment provides risk class and loan limit.
The operation conditions and risk assessment according to vehicle provides risk class and loan limit specifically includes:
According to current oil price trend, the transit route of the industry salary average value of driver, current business contract and transport goods
Species type estimates practical accounts receivable amount, in conjunction with the accounts receivable amount in business contract and applies for that loan limit is commented
Estimate, provides risk class and can loan limit.
It is described after loan origination, monitor the operation data and waybill of vehicle in real time, sentence in conjunction with risk management and control model
The current achievement situation and loan repayment ability of disconnected prospective borrower specifically includes:
Vehicle location, travel route, fatigue driving situation, vehicle transport route statistics is monitored in real time to believe with analysis and waybill
Breath；
The waybill include: actually set out address, actual purpose address, transport cargo weight, transport cargo type,
Transport departure time and waybill sign for the time；
According to the comparing result of actual monitored data and waybill, the current industry of prospective borrower is judged in conjunction with risk management and control model
Achievement situation and loan repayment ability.
It is described after loan origination, monitor the operation data and waybill of vehicle in real time, sentence in conjunction with risk management and control model
The current achievement situation and loan repayment ability of disconnected prospective borrower further include:
The vehicle calculated according to positioning data of vehicles and vehicle-state is practical set out address and actual purpose address whether with waybill
It is consistent in information；
According to pass cost, light weight data, whether consistent in waybill vehicle physicals loading capacity is calculated；
It is set out address, destination address and vehicle actual travel route according to vehicle, judges whether the transit route of vehicle is optimal；
According to the fatigue driving situation of vehicle, the vehicle speed data of road section information and each period, the driving habit of driver is judged
It is whether good.
The loan for vehicle risk control method further include:
The data for receiving acquisition by data gateway and uploading, after preliminary classification is handled, database is arrived in storage；
OCR identification is carried out for the photo for upload of taking pictures, is saved in database after extracted valid data；
The data or excel file uploaded for page end, are saved in database after extracting.
It is described during loan recovery, according to loan repayment situation, refund prompting carried out to prospective borrower in time, and real
When tracking vehicle location for ensuring that the completion of loan recovery specifically includes:
According to the refund situation of prospective borrower, carried out by way of cell phone application, wechat public platform, short message or telephonograph
It refunds and reminds；
Real-time tracking vehicle location monitors the operating condition of vehicle, it is ensured that the recycling of loan.
The present invention also provides a kind of storage mediums, wherein and the storage medium is stored with loan for vehicle risk control program,
The step of loan for vehicle risk control program realizes loan for vehicle risk control method as described above when being executed by processor；
As detailed above.The storage medium is readable storage medium storing program for executing, including flash memory, hard disk, multimedia card, card-type memory (example
Such as, SD or DX memory etc.), random access storage device (RAM), static random-access memory (SRAM), read-only memory
(ROM), electrically erasable programmable read-only memory (EEPROM), programmable read only memory (PROM), magnetic storage, magnetic
Disk, CD etc..
In conclusion the present invention provides a kind of loan for vehicle risk control method, electronic device and storage medium, the side
Method includes: to acquire the operation data of vehicle in preset time period, and the risk management and control model of vehicle is generated according to operation data, is based on
The operation conditions of vehicle and risk assessment provide risk class and loan limit；After loan origination, the fortune of vehicle is monitored in real time
Row data and waybill judge the current achievement situation and loan repayment ability of prospective borrower in conjunction with risk management and control model；?
During loan recovery, according to loan repayment situation, refund prompting, and real-time tracking vehicle location are carried out to prospective borrower in time
For ensuring the completion of loan recovery.The present invention operation data interior for a period of time by monitoring haulage vehicle, analyzes vehicle
Operation conditions and risk situation, assess prospective borrower risk class and can loan limit, vehicle borrow preceding audit, borrowed
The risk control recycled after management and loan, improves the refund rate of loan, reduces credit risk.
Certainly, those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method,
It is that related hardware (such as processor, controller etc.) can be instructed to complete by computer program, the program can store
In a computer-readable storage medium, described program may include the process such as above-mentioned each method embodiment when being executed.
Wherein the storage medium can be memory, magnetic disk, CD etc..
It should be understood that the application of the present invention is not limited to the above for those of ordinary skills can
With improvement or transformation based on the above description, all these modifications and variations all should belong to the guarantor of appended claims of the present invention
Protect range.
Claims (10)
1. a kind of loan for vehicle risk control method, which is characterized in that the loan for vehicle risk control method includes:
The operation data for acquiring vehicle in preset time period generates the risk management and control model of vehicle according to operation data, is based on vehicle
Operation conditions and risk assessment provide risk class and loan limit；
After loan origination, the operation data and waybill of vehicle are monitored in real time, in conjunction with risk management and control model judgement loan pair
The current achievement situation and loan repayment ability of elephant；
During loan recovery, according to loan repayment situation, refund prompting, and real-time tracking vehicle are carried out to prospective borrower in time
Position is used to ensure the completion of loan recovery.
2. loan for vehicle risk control method according to claim 1, which is characterized in that in the acquisition preset time period
The operation data of vehicle generates the risk management and control model of vehicle according to operation data, and operation conditions and risk based on vehicle are commented
Estimate and provide risk class and loan limit further include:
The location data, height above sea level and travel speed for obtaining vehicle in real time by GPS BDS module, pass through nine Axle moulds
Block obtains the driving status of vehicle in real time, continuously drives duration by acquisition vehicle and judges driver with the presence or absence of fatigue driving.
3. loan for vehicle risk control method according to claim 1, which is characterized in that in the acquisition preset time period
The operation data of vehicle generates the risk management and control model of vehicle according to operation data, and operation conditions and risk based on vehicle are commented
Estimate and provide risk class and loan limit specifically includes:
When detecting user's registration, receive information of vehicles, driver information, policy information, violation information, business contract and
The typing of accounts receivable flowing water information；
After the completion of detecting vehicle cargo transport loading, the typing of waybill is received；
After the completion of detecting cargo transport, the typing of waybill receipt information and pass cost is received；
It is automatically one risk management and control model of each vehicle generation according to the data of typing, and according to the operation conditions and wind of vehicle
Danger assessment provides risk class and loan limit.
4. loan for vehicle risk control method according to claim 3, which is characterized in that the operation shape according to vehicle
Condition and risk assessment provide risk class and loan limit specifically includes:
According to current oil price trend, the transit route of the industry salary average value of driver, current business contract and transport goods
Species type estimates practical accounts receivable amount, in conjunction with the accounts receivable amount in business contract and applies for that loan limit is commented
Estimate, provides risk class and can loan limit.
5. loan for vehicle risk control method according to claim 2, which is characterized in that it is described after loan origination, it is real
When monitor vehicle operation data and waybill, the current achievement situation and loan of prospective borrower are judged in conjunction with risk management and control model
Money repaying ability specifically includes:
Vehicle location, travel route, fatigue driving situation, vehicle transport route statistics is monitored in real time to believe with analysis and waybill
Breath；
The waybill include: actually set out address, actual purpose address, transport cargo weight, transport cargo type,
Transport departure time and waybill sign for the time；
According to the comparing result of actual monitored data and waybill, the current industry of prospective borrower is judged in conjunction with risk management and control model
Achievement situation and loan repayment ability.
6. loan for vehicle risk control method according to claim 5, which is characterized in that it is described after loan origination, it is real
When monitor vehicle operation data and waybill, the current achievement situation and loan of prospective borrower are judged in conjunction with risk management and control model
Money repaying ability further include:
The vehicle calculated according to positioning data of vehicles and vehicle-state is practical set out address and actual purpose address whether with waybill
It is consistent in information；
According to pass cost, light weight data, whether consistent in waybill vehicle physicals loading capacity is calculated；
It is set out address, destination address and vehicle actual travel route according to vehicle, judges whether the transit route of vehicle is optimal；
According to the fatigue driving situation of vehicle, the vehicle speed data of road section information and each period, the driving habit of driver is judged
It is whether good.
7. loan for vehicle risk control method according to claim 1, which is characterized in that the loan for vehicle risk control
Method further include:
The data for receiving acquisition by data gateway and uploading, after preliminary classification is handled, database is arrived in storage；
OCR identification is carried out for the photo for upload of taking pictures, is saved in database after extracted valid data；
The data or excel file uploaded for page end, are saved in database after extracting.
8. loan for vehicle risk control method according to claim 1, which is characterized in that described in loan recovery process
In, according to loan repayment situation, refund prompting is carried out to prospective borrower in time, and real-time tracking vehicle location is for ensuring to provide a loan
The completion of recycling specifically includes:
According to the refund situation of prospective borrower, carried out by way of cell phone application, wechat public platform, short message or telephonograph
It refunds and reminds；
Real-time tracking vehicle location monitors the operating condition of vehicle, it is ensured that the recycling of loan.
9. a kind of electronic device, which is characterized in that the electronic device includes: memory, processor and is stored in the storage
On device and the loan for vehicle risk control program that can run on the processor, the loan for vehicle risk control program is by institute
State the step of loan for vehicle risk control methods as described in any item such as claim 1-8 are realized when processor executes.
10. a kind of storage medium, which is characterized in that the storage medium is stored with loan for vehicle risk control program, the vehicle
Credit risk control program realizes any one of claim 1-8 loan for vehicle risk control method when being executed by processor
The step of.
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| CN110705986A (en) * | 2019-09-02 | 2020-01-17 | 湖北谊嘉金融仓储有限公司 | Method for verifying authenticity of receivable accounts |
| CN111353900A (en) * | 2018-12-24 | 2020-06-30 | 张美馨 | Financing analysis method and system based on policy information |
| CN111445122A (en) * | 2020-03-25 | 2020-07-24 | 上海盔甲网络科技有限公司 | Systematic management scheme for vehicle operation wind control |
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| CN112488824A (en) * | 2020-12-10 | 2021-03-12 | 南京国通智能科技有限公司 | Loan and risk compensation method and system based on enterprise payroll |
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| CN113610459A (en) * | 2021-07-27 | 2021-11-05 | 江苏中交车旺科技有限公司 | Logistics line tariff settlement method and system based on supply chain fund service platform |
| CN113643120A (en) * | 2021-08-04 | 2021-11-12 | 上海灏领科技集团有限公司 | Credit incoming part online examination and approval wind control system |
| CN113888302A (en) * | 2021-08-09 | 2022-01-04 | 深圳市麦谷科技有限公司 | Risk early warning method and system for automobile financial vehicle loan |
| CN114092267A (en) * | 2022-01-18 | 2022-02-25 | 成都车晓科技有限公司 | High-risk vehicle insurance customer car insurance evaluation method and system based on machine learning |
| CN116308763A (en) * | 2023-05-19 | 2023-06-23 | 北京泛钛客科技有限公司 | Vehicle lending post-lending risk prediction method and system based on convolution self-encoder |
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Application publication date: 20181221 |