CN109544264A - Financial loan product recommended method, device, computer equipment and storage medium - Google Patents
Financial loan product recommended method, device, computer equipment and storage medium Download PDFInfo
- Publication number
- CN109544264A CN109544264A CN201811207859.4A CN201811207859A CN109544264A CN 109544264 A CN109544264 A CN 109544264A CN 201811207859 A CN201811207859 A CN 201811207859A CN 109544264 A CN109544264 A CN 109544264A
- Authority
- CN
- China
- Prior art keywords
- user
- loan product
- credit
- accrediting amount
- financial
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 51
- 238000003860 storage Methods 0.000 title claims abstract description 21
- 238000004590 computer program Methods 0.000 claims description 17
- 108090000623 proteins and genes Proteins 0.000 claims description 9
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 7
- 239000010931 gold Substances 0.000 claims description 7
- 229910052737 gold Inorganic materials 0.000 claims description 7
- 230000003321 amplification Effects 0.000 claims description 6
- 238000003199 nucleic acid amplification method Methods 0.000 claims description 6
- 230000029305 taxis Effects 0.000 claims description 5
- PEDCQBHIVMGVHV-UHFFFAOYSA-N Glycerine Chemical compound OCC(O)CO PEDCQBHIVMGVHV-UHFFFAOYSA-N 0.000 claims description 2
- 238000012797 qualification Methods 0.000 abstract description 8
- 238000007405 data analysis Methods 0.000 abstract 1
- 238000010586 diagram Methods 0.000 description 15
- 230000006870 function Effects 0.000 description 5
- 238000012545 processing Methods 0.000 description 5
- 239000000203 mixture Substances 0.000 description 4
- 230000000694 effects Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000006399 behavior Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 238000004422 calculation algorithm Methods 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 238000000151 deposition Methods 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000009826 distribution Methods 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000002844 melting Methods 0.000 description 1
- 230000008018 melting Effects 0.000 description 1
- 238000005192 partition Methods 0.000 description 1
- 238000002360 preparation method Methods 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0631—Item recommendations
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Marketing (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the invention provides a kind of financial loan product recommended method, device, computer equipment and storage mediums, this method comprises: obtaining the data of financial transaction of user；The accrediting amount of the user is calculated according to the data of financial transaction；The matched financial loan product of the determining and accrediting amount；User's credit detail list is configured, user's credit detail list includes the identity of user and the corresponding relationship of financial loan product；If receiving the log-on message that user logs in default application program or default website, the identity of user is obtained according to the log-on message；Financial loan product corresponding with the identity is obtained based on user's credit detail list；The financial loan product is recommended into the user.The accrediting amount of the embodiment of the present invention based on big data analysis user configures user's credit detail list, to user's recommendation and the matched financial loan product of its qualification, to improve the reliability and accuracy rate of Products Show.
Description
Technical field
The present invention relates to technical field of data processing more particularly to a kind of financial loan product recommended methods, device, calculating
Machine equipment and storage medium.
Background technique
Nowadays, in financial industry using more and more extensive, financial institution or business bank often can all be developed for internet
One's own official website or application program excavate potential customers to commence business, and often recommend some finance to its user
Product especially recommends financial loan product.
In order to purposefully recommend financial loan product to user, financial institution or business bank generally can be according to users
Recommend in the click behavior of its official website or application program, is borrowed for example, user clicks a finance on official website or application program
The financial loan product that the system of loan product, financial institution or business bank can be clicked according to user, search and borrow with the finance
Loan product property is similar or identical, amount is close or identical all financial loan product gives user to use, and this method exists
Following problems: on the one hand, when user's mistake is clicked, Products Show is meaningless to user, on the other hand, finance when the user clicks
When the amount of loan product and the credit line or inconsistent qualification of user itself, Products Show is also meaningless to user,
In this way, the accuracy rate of Products Show is very low, potential client can not be excavated, or even can lost customer.
Summary of the invention
The embodiment of the invention provides a kind of financial loan product recommended method, device, computer equipment and computers can
Read storage medium, it is intended to improve the accuracy rate and reliability for recommending financial loan product.
In a first aspect, the embodiment of the present invention provides a kind of financial loan product recommended method, this method comprises: obtaining user
Data of financial transaction；The accrediting amount of the user is calculated according to the data of financial transaction；The determining and accrediting amount
Matched finance loan product；Configure user's credit detail list, user's credit detail list include user identity with
The corresponding relationship of financial loan product；If receiving the log-on message that user logs in default application program or default website, according to
The log-on message obtains the identity of user；It is obtained based on user's credit detail list corresponding with the identity
Financial loan product；The financial loan product is recommended into the user.
Second aspect, the embodiment of the present invention also provide a kind of financial loan product recommendation apparatus, the finance loan product
Recommendation apparatus includes for realizing the unit of financial loan product recommended method described in first aspect.
The third aspect, the embodiment of the present invention also provide a kind of computer equipment, including memory, and with the memory
Connected processor, the memory are used to store the computer program for realizing financial loan product recommended method, the processing
Device is for running the computer program stored in the memory, to execute the method as described in above-mentioned first aspect.
Fourth aspect, the embodiment of the present invention provide a kind of computer readable storage medium, the computer-readable storage medium
Matter is stored with one or more than one computer program, and the one or more computer program is executed by processor
Method described in the above-mentioned first aspect of Shi Shixian.
The embodiment of the invention provides a kind of financial loan product recommended method, device, computer equipment and storage medium,
This method comprises: obtaining the data of financial transaction of user；The accrediting amount of the user is calculated according to the data of financial transaction；
The matched financial loan product of the determining and accrediting amount；Configure user's credit detail list, user's credit detail list packet
Include the identity of user and the corresponding relationship of financial loan product；If receiving user logs in default application program or default net
The log-on message stood obtains the identity of user according to the log-on message；Based on user's credit detail list obtain with
The corresponding financial loan product of the identity；The financial loan product is recommended into the user.The embodiment of the present invention
By configuring user's credit detail list, to user's recommendation and the matched financial loan product of its qualification, to improve Products Show
Reliability and accuracy rate.
Detailed description of the invention
Technical solution in order to illustrate the embodiments of the present invention more clearly, below will be to needed in embodiment description
Attached drawing is briefly described, it should be apparent that, drawings in the following description are some embodiments of the invention, general for this field
For logical technical staff, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of flow diagram for financial loan product recommended method that one embodiment of the invention provides；
Fig. 2 is a kind of sub-process schematic diagram for financial loan product recommended method that one embodiment of the invention provides；
Fig. 3 be another embodiment of the present invention provides a kind of financial loan product recommended method sub-process schematic diagram；
Fig. 4 be another embodiment of the present invention provides a kind of financial loan product recommended method flow diagram；
Fig. 5 be another embodiment of the present invention provides a kind of financial loan product recommended method sub-process schematic diagram；
Fig. 6 is a kind of schematic block diagram for financial loan product recommendation apparatus that one embodiment of the invention provides；
Fig. 7 is a kind of subelement schematic block diagram for financial loan product recommendation apparatus that one embodiment of the invention provides；
Fig. 8 be another embodiment of the present invention provides a kind of financial loan product recommendation apparatus the schematic frame of subelement
Figure；
Fig. 9 be another embodiment of the present invention provides a kind of financial loan product recommendation apparatus schematic block diagram；
Figure 10 be another embodiment of the present invention provides a kind of financial loan product recommendation apparatus the schematic frame of subelement
Figure；
Figure 11 is a kind of structural representation block diagram for computer equipment that one embodiment of the invention provides.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
It should be appreciated that ought use in this specification and in the appended claims, term " includes " and "comprising" instruction
Described feature, entirety, step, operation, the presence of element and/or component, but one or more of the other feature, whole is not precluded
Body, step, operation, the presence or addition of element, component and/or its set.
It is also understood that referring in description of the invention to term "and/or" used in the appended claims related
Join any combination and all possible combinations of one or more of item listed, and including these combinations.
It will also be understood that these elements are not answered although term first, second etc. can be used to describe various elements herein
This is limited to these terms, these terms are only used to for these elements being distinguished from each other out.
Fig. 1 is a kind of flow diagram of financial loan product recommended method provided in an embodiment of the present invention, and this method can
Applied to server, wherein server can be independent server, be also possible to the server set of multiple server compositions
Group.As shown in Figure 1, the method comprising the steps of S101~S107.
S101, the data of financial transaction for obtaining user.
Each individual can generate a series of data of financial transaction in participatory economy active procedure, in the present embodiment,
The data of financial transaction include the personal collage-credit data of user, payroll credit data, tax data, investment project data and
It can Mortgage assets.Data scale can be kept big, comprehensively, to make to count by obtaining the transaction data of user to be provided a loan by all kinds of means
The accrediting amount of calculating is more accurate.
S102, the accrediting amount that the user is calculated according to the data of financial transaction.
Credit refers to the fund that business bank/financial institution can directly provide to non-financial institution client, it is possible to provide money
Personal credit or business standing of the amount of money according to non-financial institution client (personal or enterprise), the individual of non-financial institution client
Credit or business standing are formed in the related economic activity that it is participated in.
In one embodiment, as shown in Fig. 2, step S102 specifically includes sub-step S1021-S1023:
S1021, judge whether the user meets the condition of fiduciary loan according to the personal collage-credit data.
The personal credit of personal collage-credit data record, is known that user with the presence or absence of bad by personal collage-credit data
Credit.For example, being more than that preset times (such as 3 times) are overdue goes back credit card debt, or malice does not go back credit card debt, or enters
Credit blacklist, it is bad credit, does not meet the condition for meeting fiduciary loan.
If S1022, the user meet the condition of fiduciary loan, according to the payroll credit data, tax data, investment
Project data and can Mortgage assets calculate the accrediting amount of the user.
If S1023, the user are unsatisfactory for the condition of fiduciary loan, determine that the accrediting amount of the user is 0.
If bad credit is not present in user, user meets the condition of fiduciary loan, according to user institute in economic activity
The payroll credit data of generation, tax data, investment project data and can Mortgage assets calculate the accrediting amount of the user；
If user, there are bad credit, user is unsatisfactory for the condition of fiduciary loan, and the accrediting amount 0, there is no can push away to user
The financial loan product recommended will not recommend financial loan product to the undesirable user of personal credit.
In one embodiment, as shown in figure 3, step S1022 specifically includes sub-step S1022a-S1022e:
S1022a, according to formula A=P1*x*y*z-P2Calculate the first pre- accrediting amount, wherein A indicates the first credit volume
Degree, P1Indicate can Mortgage assets value, x indicate mortgage coefficient, y indicate appreciation of fixed assets coefficient, z indicate regulation coefficient, P2It indicates
Assets loan balance.
In embodiments of the present invention, can Mortgage assets refer to user mortgaging or can be used for mortgage assets, such as
Real estate, automobile etc..Using can guaranty value as radix, comprehensively consider can guaranty value every correlation factor coefficient
(for example, mortgage coefficient, appreciation of fixed assets coefficient and adjustment factor etc.) and assets loan balance, to calculate the first pre-granted of user
Believe amount.
The value range of x is 0.4-0.6, can according to can the types of Mortgage assets be adjusted, for example, x takes for apartment
Value is 0.5, for villa or the commercial house, can value be 0.6, for shops, retail shop, can value be 0.4.
Appreciation of fixed assets coefficient y to can Mortgage assets mortgage state and refund issue is related, for example, for unmortgaged
Assets, y can value be 1.3, for the assets mortgaged, y value is incremented by since 1, and refund issue often reached for 36 phases, and y value increases
0.05, the y upper limit is 1.3.
For regulation coefficient z, can Mortgage assets be registered in different cities, regulation coefficient z difference, but range can
Value is in 0.7-0.9, for example, for a line city, z can value be 0.9, for tier 2 cities, z can value be 0.8, three lines or
City below three lines, z can value be 0.7.
Assets loan balance refers to can the also non-paid-up loan of guaranty.
S1022b, the second pre- accrediting amount is calculated according to formula B=W*k, wherein B indicates second accrediting amount, and W is nearly N
A month average monthly income, N are default value, k=a* (Wn-W1)/W+b*[1-δ2/MAX(Wi- W)], wherein a is the first weight
Parameter, b are the second weight parameter, δ2For the variance of nearly N number of month average monthly income, W1For nearly N number of month the first month wage, WnFor
Nearly N number of month last monthly salary, WiFor nearly N number of month i-th of monthly salary.
In one embodiment, N can value be 12.
S1022c, the pre- accrediting amount of third is calculated according to formula C=M*j, wherein C indicates the pre- accrediting amount of third, M table
Show that the nearly 1 year Individual Income Tax of the user is paid taxes total value, j indicates basic amplification factor.
In the present invention, the range of basic amplification factor j is 3-7, and j value is 5 in the present embodiment.
S1022d, according to formula D=γ ∑I=1(Gi*fi* ni) calculate the 4th pre- accrediting amount, wherein and D indicates that the 4th awards
Believe amount, GiFor the capital of i-th investment project, fiFor the rate of return on investment of i-th investment project, niFor i-th investment project
The investment time limit, γ be i-th investment project fund appreciation rate.
Investment project includes financing, fund, the national debt etc. of user's purchase, and investment generates income, fund is made to rise in value.Wherein,
The range of fund appreciation rate γ is 1.1-1.5 in the present invention, and in the present embodiment, γ value is 1.25.
It should be noted that above step S1022a-S1022d in no particular order sequence.
S1022e, according to the described first pre- accrediting amount, the second pre- accrediting amount, the pre- accrediting amount of third and the 4th pre-granted
Letter amount calculates the accrediting amount of the user.
The accrediting amount of user and payroll credit data, tax data, investment project data and can Mortgage assets breath cease
After calculating the corresponding pre- accrediting amount of each single item, the credit of user is calculated according to the pre- accrediting amount of obtained whole for correlation
Amount.
In one embodiment, the accrediting amount of user is specifically calculated according to the following formula:
E=max (A, B, C, D) * μ, or
E=(α * A+ β * B+ ε * C+ κ * D) * μ
In above formula, wherein μ is credit Dynamic gene, and α, β, ε, κ indicate the weighted value of the corresponding pre- accrediting amount, and
+ κ=1 alpha+beta+ε.
In the present invention, the range of μ be 1.1-1.5, in one embodiment, μ can value be 1.25.
In one embodiment, as A ≠ 0, α, β, ε, κ are respectively 0.7,0.1,0.05,0.05, as A=0, α, β, ε, κ
Respectively 0,0.8,0.1,0.1, i.e., when user exist can Mortgage assets when, using can Mortgage assets be principal element calculating user
The accrediting amount, i.e., when user there is no can Mortgage assets when, using the wage of user be principal element calculating user the accrediting amount.
S103, determination and the matched financial loan product of the accrediting amount.
Business bank/financial institution can generally develop multinomial financial loan product for users to use, the debt-credit of each single item finance
The customer group of product is different, debt-credit amount is different, or even the project that can be used for consuming is different.
To branch out, business bank/financial institution needs the finance for actively recommending to meet user's accrediting amount to user
Loan product is for users to use.
S104, configuration user's credit detail list, user's credit detail list includes that the identity of user and finance are borrowed
Borrow the corresponding relationship of product.
After the determining matched financial loan product with user's accrediting amount, it is configured to user's credit detail list and is stored in data
In library, when needing to recommend to user or provide product, can directly it be recommended using configured user's detail credit table.
If S105, receiving the log-on message that user logs in default application program or default website, believed according to the login
Breath obtains the identity of user.
Default website refers to enterprise (business bank or financial institution) official website, and default application program refers to that enterprise is specified
APP for users to use.
S106, financial loan product corresponding with the identity is obtained based on user's credit detail list.
S107, the financial loan product is recommended into the user.
It can be direct by the corresponding relationship between the identity and financial loan product of user in user's credit detail list
Acquisition and the matched financial loan product of user identity, by the corresponding financial loan product push/recommendation of user's credit detail list
To user, use for selection by the user.
In some embodiments, the recommended priority that each financial loan product can be preset, in recommended products, down payment
Melt the interface that financial loan product is pushed to user by the preset recommended priority of loan product, is formed and pressed on the interface of user
The picture of the financial loan product of recommended priority arrangement.
Finance loan product recommended method provided in an embodiment of the present invention, by being pre-configured with use relevant to user's qualification
Family credit detail list can be directly according to the qualification calling and obtaining user credit detail list of user after getting the log-on message of user
Matching financial loan product can be improved the reliability and accuracy of recommendation, excavate potential client, in addition, passing through
It is pre-configured with the mode of user's credit detail list, the qualification of the real-time online calculating user in Products Show is avoided, improves and recommend
Efficiency.
Fig. 4 be another embodiment of the present invention provides a kind of financial loan product recommended method flow diagram, at this
It include a plurality of financial loan products corresponding with the identity of the user in embodiment, in user's credit detail list, and it is upper
Embodiment to be stated to compare, the embodiment of the present invention only increases step S108-S109 after step S107, other steps are constant, because
This in the present embodiment will not repeat other steps.
If S108, the user use any financial loan product recommended, according to the finance used by a user
Loan product updates user's credit detail list.
When user is using any a or a plurality of product recommended, it uses the part or all of accrediting amount, users
State can change, the available accrediting amount is also changed, and the product that may be used also is changed, at this time
Need to timely update user's credit detail list.
In one embodiment, as described in Figure 5, it is updated in step S108 according to the financial loan product used by a user
The step of user's credit detail list, specifically includes following sub-step:
S1081, the used financial loan product of the user is marked in user's credit detail list.
Marked finance debt-credit is not need or do not allow to recommend the financial loan product of user, in financial row
Industry tends not to that same user is allowed to reuse with a financial loan product.
S1082, the total debt-credit amount for calculating the used financial loan product of the user.
S1083, the remaining accrediting amount that the user is determined according to total debt-credit amount.
The accrediting amount that the remaining accrediting amount is equal to user deducts user and has used total debt-credit amount (used gold of user
Melt the sum of the debt-credit amount of loan product) remaining amount.
S1084, determine that the user is not used and debt-credit amount is greater than the financial of the remaining accrediting amount and borrows or lends money production
Product.
S1085, identified financial loan product is marked.
In user's credit detail list, because the qualification state (the remaining accrediting amount) of user changes, user is not used
, debt-credit amount is greater than the financial loan product of the remaining accrediting amount does not allow to recommend user's use, it is therefore desirable to these
Financial loan product is marked, and can be used for other financial loan products recommended to the user to be different from.
If S109, the log-on message that the user logs in default application program or default website is received again, according to institute
The pre- credit detail list of the user of update recommends financial loan product to the user.
Timely update user's credit detail list, when needing to recommend to user again or provide product, directly according to update
User's credit detail list afterwards carries out Products Show, to cause the product for recommending not being inconsistent with user's qualification, causes customer churn.
In one embodiment, recommend financial loan product specific to the user according to the user's credit detail list updated
Are as follows: unmarked financial loan product is recommended into the user.
It is that labeled financial loan product can be recommended to user's use in user's credit detail list.
Finance loan product recommended method provided in an embodiment of the present invention, when the state of user changes, in time more
New user's credit detail list, improves the accuracy rate and reliability of Products Show.
Fig. 6 is a kind of financial 100 schematic block diagram of loan product recommendation apparatus provided in an embodiment of the present invention, which borrows
Borrowing Products Show device 100 includes first acquisition unit 101, computing unit 102, determination unit 103, configuration unit 104, second
Acquiring unit 105, third acquiring unit 106 and the first recommendation unit 107.
First acquisition unit 101 is used to obtain the data of financial transaction of user.
Computing unit 102 is used to calculate the accrediting amount of the user according to the data of financial transaction.
Determination unit 103 is for the matched financial loan product of the determining and accrediting amount.
For configuration unit 104 for configuring user's credit detail list, user's credit detail list includes the identity mark of user
Know the corresponding relationship with financial loan product.
If second acquisition unit 105 is used to receive the log-on message that user logs in default application program or default website,
The identity of user is obtained according to the log-on message.
Third acquiring unit 106 is used to obtain finance corresponding with the identity based on user's credit detail list
Loan product.
First recommendation unit 107 is used to the financial loan product recommending the user.
The data of financial transaction includes personal collage-credit data, payroll credit data, the tax data, investment project of user
Data and can Mortgage assets.
In one embodiment, as shown in fig. 7, the computing unit 102 includes that judgment sub-unit 1021, first calculates son list
Member 1022 and the first determining subelement 1023.
Judgment sub-unit 1021 is used to judge whether the user meets fiduciary loan according to the personal collage-credit data
Condition.
If the first computation subunit 1022 meets the condition of fiduciary loan for the user, according to the payroll credit number
According to, tax data, investment project data and can Mortgage assets calculate the accrediting amount of the user.
If first determines that subelement 1023 is unsatisfactory for the condition of fiduciary loan for the user, awarding for the user is determined
Believe that amount is 0.
In one embodiment, as shown in figure 8, the first computation subunit 1022 includes the second computation subunit 1022a, third
Computation subunit 1022b, the 4th computation subunit 1022c, the 5th computation subunit 1022d and the 6th computation subunit
1022e。
Second computation subunit 1022a is used for according to formula A=P1*x*y*z-P2Calculate the first pre- accrediting amount, wherein A
Indicate first accrediting amount, P1Indicate can Mortgage assets value, x indicate mortgage coefficient, y indicate appreciation of fixed assets coefficient, z indicate
Regulation coefficient, P2Indicate assets loan balance.
Third computation subunit 1022b is used to calculate the second pre- accrediting amount according to formula B=W*k, and wherein B indicates second
The accrediting amount, the average monthly income that W is nearly N number of month, N is default value, k=a* (Wn-W1)/W+b*[1-δ2/MAX(Wi- W)],
Wherein a is the first weight parameter, and b is the second weight parameter, δ2For the variance of nearly N number of month average monthly income, W1For nearly N number of moon
The first month wage, WnFor nearly N number of month last monthly salary, WiFor nearly N number of month i-th of monthly salary.
4th computation subunit 1022c is used to calculate the pre- accrediting amount of third according to formula C=M*j, wherein C indicates the
The three pre- accrediting amounts, M indicate that the nearly 1 year Individual Income Tax of the user is paid taxes total value, and j indicates basic amplification factor.
5th computation subunit 1022d is used for according to formula D=γ ∑ i=1 (Gi*fi*ni) calculate the 4th pre- credit volume
Degree, wherein D indicates the 4th accrediting amount, GiFor the capital of i-th investment project, fiFor the investment repayment of i-th investment project
Rate, niFor the investment time limit of i-th investment project, γ is the fund appreciation rate of i-th investment project.
6th computation subunit 1022e is used for according to the described first pre- accrediting amount, the second pre- accrediting amount, third pre-granted
Letter amount and the 4th pre- accrediting amount calculate the accrediting amount of the user.
In one embodiment, the 6th computation subunit 1022e is specifically used for:
According to formula E=max (A, B, C, D) * μ, wherein μ is credit Dynamic gene；Or according to formula E=(α * A+ β * B+
ε * C+ κ * D) * μ, wherein μ is credit Dynamic gene, and α, β, ε, κ indicate weighted value.
Fig. 9 is a kind of financial 100 schematic block diagram of loan product recommendation apparatus provided in an embodiment of the present invention, with Fig. 6 phase
It further include updating unit 108 and second in addition to than, the finance loan product recommendation apparatus 100 each unit shown in Fig. 6
Recommendation unit 109.
If updating unit 108 uses any financial loan product recommended for the user, according to the user institute
The financial loan product used updates user's credit detail list.
If the second recommendation unit 109 is used to receive the user again and logs in stepping on for default application program or default website
Information is recorded, financial loan product is recommended to the user according to the user's credit detail list updated.
In one embodiment, as shown in Figure 10, updating unit 108 includes that the first label subelement the 1081, the 7th calculates son
Unit 1082, second determines that subelement 1083, third determine subelement 1084 and the second label subelement 1085.
First label subelement 1081 is for borrowing the used finance of the user in user's credit detail list
Product is borrowed to be marked.
7th computation subunit 1082 is used to calculate total debt-credit amount of the used financial loan product of the user.
Second determines that subelement 1083 is used to determine the remaining accrediting amount of the user according to total debt-credit amount.
Third determines subelement 1084 for determining that the user is not used and debt-credit amount is greater than the remaining credit
The financial loan product of amount.
Second label subelement 1085 is used to for identified financial loan product being marked.
Aforementioned finance loan product recommendation apparatus is corresponding with aforementioned financial loan product recommended method, to gold in the present embodiment
Melting the not detailed place of loan product recommendation apparatus can refer to preceding method embodiment, be not repeated herein.
Aforementioned finance loan product recommendation apparatus can be implemented as the form of computer program a kind of, and computer program can be with
It is run in computer equipment as shown in figure 11.
Figure 11 is a kind of structural representation block diagram of computer equipment 200 provided in an embodiment of the present invention.The computer is set
Standby 200, which is server, and server can be independent server, is also possible to multiple server compositions
Server cluster.
The computer equipment 200 includes processor 202, memory and the network interface connected by system bus 201
205, wherein memory may include non-volatile memory medium 203 and built-in storage 204.
The non-volatile memory medium 203 of the computer equipment 200 can storage program area 2031 and computer program
2032, which is performed, and processor 202 may make to execute a kind of financial loan product recommended method.It should
Built-in storage 204 provides environment for the operation of the computer program 2032 in non-volatile memory medium 203.The computer equipment
200 processor 202 supports the operation of entire computer equipment 200 for providing calculating and control ability.Computer equipment
200 network interface 205 is for carrying out network communication, such as task, the reception data of transmission distribution.
It will be understood by those skilled in the art that the embodiment of computer equipment shown in Figure 11 is not constituted to computer
The restriction of equipment specific composition, in other embodiments, computer equipment may include components more more or fewer than diagram, or
Person combines certain components or different component layouts.For example, in some embodiments, computer equipment can only include depositing
Reservoir and processor, in such embodiments, the structure and function of memory and processor are consistent with embodiment illustrated in fig. 11,
Details are not described herein.
Processor 202 run non-volatile memory medium 203 in computer program 2032 when, processor 202 execute with
Lower step: the data of financial transaction of user is obtained；The accrediting amount of the user is calculated according to the data of financial transaction；It determines
With the matched financial loan product of the accrediting amount；User's credit detail list is configured, user's credit detail list includes using
The corresponding relationship of the identity at family and financial loan product；If receiving user logs in default application program or default website
Log-on message obtains the identity of user according to the log-on message；Based on user's credit detail list obtain with it is described
The corresponding financial loan product of identity；The financial loan product is recommended into the user.
In one embodiment, the data of financial transaction includes the personal collage-credit data of user, payroll credit data, the tax
Data, investment project data and can Mortgage assets.The processor 202 is described according to the data of financial transaction meter in execution
When calculating the step of the accrediting amount of the user, following steps are specifically executed: the use is judged according to the personal collage-credit data
Whether family meets the condition of fiduciary loan；If the user meets the condition of fiduciary loan, according to the payroll credit data, tax
Business data, investment project data and can Mortgage assets calculate the accrediting amount of the user；If the user is unsatisfactory for credit
The condition of loan determines that the accrediting amount of the user is 0.
In one embodiment, the processor 202 is described according to the payroll credit data, tax data, throwing in execution
Money project data and can the Mortgage assets accrediting amount that calculates the user step when, specifically execute following steps: according to
Formula A=P1*x*y*z-P2Calculate the first pre- accrediting amount, wherein A indicates first accrediting amount, P1Indicating can Mortgage assets
Value, x indicate that mortgage coefficient, y indicate that appreciation of fixed assets coefficient, z indicate regulation coefficient, P2Indicate assets loan balance；According to public affairs
Formula B=W*k calculates the second pre- accrediting amount, and wherein B indicates second accrediting amount, and the average monthly income that W is nearly N number of month, N is pre-
If numerical value, k=a* (Wn-W1)/W+b*[1-δ2/MAX(Wi- W)], wherein a is the first weight parameter, and b is the second weight parameter, δ2
For the variance of nearly N number of month average monthly income, W1For nearly N number of month the first month wage, WnFor nearly N number of month last monthly salary, WiIt is close
N number of month i-th of monthly salary；The pre- accrediting amount of third is calculated according to formula C=M*j, wherein C indicates the pre- accrediting amount of third,
M indicates that the nearly 1 year Individual Income Tax of the user is paid taxes total value, and j indicates basic amplification factor；According to formula D=γ ∑i=1
(Gi*fi*ni) calculating the 4th pre- accrediting amount, wherein D indicates the 4th accrediting amount, GiFor the capital of i-th investment project, fi
For the rate of return on investment of i-th investment project, niFor the investment time limit of i-th investment project, γ is the money of i-th investment project
Golden appreciation rate；According to the described first pre- accrediting amount, the second pre- accrediting amount, the pre- accrediting amount of third and the 4th pre- accrediting amount
Calculate the accrediting amount of the user.
In one embodiment, the processor 202 is described according to the described first pre- accrediting amount, the second pre- credit in execution
When the step for the accrediting amount that the pre- accrediting amount of amount, third and the 4th pre- accrediting amount calculate the user, it is specific execute with
Lower step: according to formula E=max (A, B, C, D) * μ, wherein μ is credit Dynamic gene；Or according to formula E=(α * A+ β * B+
ε * C+ κ * D) * μ, wherein μ is credit Dynamic gene, and α, β, ε, κ indicate weighted value.
It in one embodiment, include a plurality of gold corresponding with the identity of the user in user's credit detail list
Melt loan product；The processor 202 after executing the described the step of financial loan product is recommended the user,
Also execute following steps: if the user uses any financial loan product recommended, according to the gold used by a user
Melt loan product and updates user's credit detail list；If receiving the user again logs in default application program or default net
The log-on message stood recommends financial loan product to the user according to the user's credit detail list updated.
In one embodiment, the processor 202 is described according to the financial loan product used by a user in execution
When updating the step of user's credit detail list, following steps are specifically executed: will be described in user's credit detail list
The used financial loan product of user is marked；Calculate total debt-credit volume of the used financial loan product of the user
Degree；The remaining accrediting amount of the user is determined according to total debt-credit amount；Determine that the user is not used and borrows or lends money volume
Degree is greater than the financial loan product of the remaining accrediting amount；Identified financial loan product is marked.
In one embodiment, the processor 202 execute it is described according to the user's credit detail list updated to described
When user recommends the step of financial loan product, following steps are specifically executed: unmarked financial loan product is recommended
To the user.
It should be appreciated that in the embodiment of the present application, processor 202 can be central processing unit (Central
Processing Unit, CPU), which can also be other general processors, digital signal processor (Digital
Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit,
ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic
Device, discrete gate or transistor logic, discrete hardware components etc..Wherein, general processor can be microprocessor or
Person's processor is also possible to any conventional processor etc..
Those of ordinary skill in the art will appreciate that be realize above-described embodiment method in all or part of the process,
It is that relevant hardware can be instructed to complete by computer program.The computer program includes program instruction, computer journey
Sequence can be stored in a storage medium, which is computer readable storage medium.The program instruction is by the department of computer science
At least one processor in system executes, to realize the process step of the embodiment of the above method.
Therefore, the present invention also provides a kind of computer readable storage medium, the computer-readable recording medium storage has
One perhaps more than one computer program the one or more computer program can by one or more than one
Processor execute, it can be achieved that following steps: obtain the data of financial transaction of user；Institute is calculated according to the data of financial transaction
State the accrediting amount of user；The matched financial loan product of the determining and accrediting amount；User's credit detail list is configured, it is described
User's credit detail list includes the identity of user and the corresponding relationship of financial loan product；It is preset if receiving user and logging in
Application program or the log-on message of default website obtain the identity of user according to the log-on message；Based on the user
Credit detail list obtains financial loan product corresponding with the identity；The financial loan product is recommended into the use
Family.
In one embodiment, the data of financial transaction includes the personal collage-credit data of user, payroll credit data, the tax
Data, investment project data and can Mortgage assets.
When realizing the step of the accrediting amount for calculating the user according to the data of financial transaction, specific implementation
Following steps: judge whether the user meets the condition of fiduciary loan according to the personal collage-credit data；If the user is full
The condition of sufficient fiduciary loan, according to the payroll credit data, tax data, investment project data and can Mortgage assets calculate
The accrediting amount of the user；If the user is unsatisfactory for the condition of fiduciary loan, determine that the accrediting amount of the user is 0.
In one embodiment, realize it is described according to the payroll credit data, tax data, investment project data and
Can the Mortgage assets accrediting amount that calculates the user step when, implement following steps: according to formula A=P1*x*y*
z-P2Calculate the first pre- accrediting amount, wherein A indicates first accrediting amount, P1Indicate can Mortgage assets value, x indicate mortgage
Coefficient, y indicate that appreciation of fixed assets coefficient, z indicate regulation coefficient, P2Indicate assets loan balance；The is calculated according to formula B=W*k
The two pre- accrediting amounts, wherein B indicates second accrediting amount, and the average monthly income that W is nearly N number of month, N is default value, k=a*
(Wn-W1)/W+b*[1-δ2/MAX(Wi- W)], wherein a is the first weight parameter, and b is the second weight parameter, δ2It is nearly N number of month
The variance of average monthly income, W1For nearly N number of month the first month wage, WnFor nearly N number of month last monthly salary, WiFor nearly N number of month i-th
A monthly salary；According to formula C=M*j calculate the pre- accrediting amount of third, wherein C indicate the pre- accrediting amount of third, M expression described in
The nearly 1 year Individual Income Tax of user is paid taxes total value, and j indicates basic amplification factor；According to formula D=γ ∑I=1(Gi*fi*ni) meter
Calculate the 4th pre- accrediting amount, wherein D indicates the 4th accrediting amount, GiFor the capital of i-th investment project, fiIt is invested for i-th
The rate of return on investment of project, niFor the investment time limit of i-th investment project, γ is the fund appreciation rate of i-th investment project；Root
The use is calculated according to the described first pre- accrediting amount, the second pre- accrediting amount, the pre- accrediting amount of third and the 4th pre- accrediting amount
The accrediting amount at family.
In one embodiment, described according to the described first pre- accrediting amount, the second pre- accrediting amount, third pre-granted in realization
When the step for the accrediting amount that letter amount and the 4th pre- accrediting amount calculate the user, following steps are implemented: according to public affairs
Formula E=max (A, B, C, D) * μ, wherein μ is credit Dynamic gene；Or according to formula E=(α * A+ β * B+ ε * C+ κ * D) * μ,
In, μ is credit Dynamic gene, and α, β, ε, κ indicate weighted value.
It in one embodiment, include a plurality of gold corresponding with the identity of the user in user's credit detail list
Melt loan product.
After realizing the described the step of financial loan product is recommended the user, also perform the steps of
If the user uses any financial loan product recommended, institute is updated according to the financial loan product used by a user
State user's credit detail list；If receiving the log-on message that the user logs in default application program or default website again, root
Recommend financial loan product to the user according to the user's credit detail list updated.
In one embodiment, it described the user is updated according to the financial loan product used by a user award realizing
When believing the step of detail list, following steps are implemented: by the used gold of the user in user's credit detail list
Melt loan product to be marked；Calculate total debt-credit amount of the used financial loan product of the user；It is always borrowed according to described
Borrow the remaining accrediting amount that amount determines the user；Determine that the user is not used and debt-credit amount is greater than the residue and awards
Believe the financial loan product of amount；Identified financial loan product is marked.
In one embodiment, described finance is recommended to borrow to the user according to the user's credit detail list updated realizing
When borrowing the step of product, following steps are implemented: unmarked financial loan product is recommended into the user.
The computer readable storage medium can be USB flash disk, mobile hard disk, read-only memory (Read-Only Memory,
ROM), the various computer readable storage mediums that can store program code such as magnetic or disk.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This
A little functions are implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Specially
Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not
It is considered as beyond the scope of this invention.
In several embodiments provided by the present invention, it should be understood that disclosed device and method can pass through it
Its mode is realized.For example, the apparatus embodiments described above are merely exemplary.For example, the division of each unit, only
Only a kind of logical function partition, there may be another division manner in actual implementation.Such as multiple units or components can be tied
Another system is closed or is desirably integrated into, or some features can be ignored or not executed.
The steps in the embodiment of the present invention can be sequentially adjusted, merged and deleted according to actual needs.This hair
Unit in bright embodiment device can be combined, divided and deleted according to actual needs.In addition, in each implementation of the present invention
Each functional unit in example can integrate in one processing unit, is also possible to each unit and physically exists alone, can also be with
It is that two or more units are integrated in one unit.
If the integrated unit is realized in the form of SFU software functional unit and when sold or used as an independent product,
It can store in one storage medium.Based on this understanding, technical solution of the present invention is substantially in other words to existing skill
The all or part of part or the technical solution that art contributes can be embodied in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be a
People's computer, terminal or network equipment etc.) it performs all or part of the steps of the method described in the various embodiments of the present invention.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can readily occur in various equivalent modifications or replace
It changes, these modifications or substitutions should be covered by the protection scope of the present invention.Therefore, protection scope of the present invention should be with right
It is required that protection scope subject to.
Claims (10)
1. a kind of finance loan product recommended method characterized by comprising
Obtain the data of financial transaction of user；
The accrediting amount of the user is calculated according to the data of financial transaction；
The matched financial loan product of the determining and accrediting amount；
User's credit detail list is configured, user's credit detail list includes the identity of user and pair of financial loan product
It should be related to；
If receiving the log-on message that user logs in default application program or default website, user is obtained according to the log-on message
Identity；
Financial loan product corresponding with the identity is obtained based on user's credit detail list；
The financial loan product is recommended into the user.
2. finance loan product recommended method according to claim 1, which is characterized in that the data of financial transaction includes
The personal collage-credit data of user, payroll credit data, tax data, investment project data and can Mortgage assets；
The accrediting amount that the user is calculated according to the data of financial transaction, comprising:
Judge whether the user meets the condition of fiduciary loan according to the personal collage-credit data；
If the user meets the condition of fiduciary loan, according to the payroll credit data, tax data, investment project data with
And can Mortgage assets calculate the accrediting amount of the user；
If the user is unsatisfactory for the condition of fiduciary loan, determine that the accrediting amount of the user is 0.
3. finance loan product recommended method according to claim 2, which is characterized in that described according to the payroll credit
Data, tax data, investment project data and can Mortgage assets calculate the accrediting amount of the user, comprising:
According to formula A=P1*x*y*z-P2Calculate the first pre- accrediting amount, wherein A indicates first accrediting amount, P1Expression can be supported
The value of assets is given as security, x indicates that mortgage coefficient, y indicate that appreciation of fixed assets coefficient, z indicate regulation coefficient, P2It indicates more than assets loan
Volume；
The second pre- accrediting amount is calculated according to formula B=W*k, wherein B indicates second accrediting amount, the monthly average that W is nearly N number of month
Wage, N are default value, k=a* (Wn-W1)/W+b*[1-δ2/MAX(Wi- W)], wherein a is the first weight parameter, b second
Weight parameter, δ2For the variance of nearly N number of month average monthly income, W1For nearly N number of month the first month wage, WnFor the nearly N number of month last moon
Wage, WiFor nearly N number of month i-th of monthly salary；
The pre- accrediting amount of third is calculated according to formula C=M*j, wherein C indicates the pre- accrediting amount of third, and M indicates that the user is close
1 year Individual Income Tax is paid taxes total value, and j indicates basic amplification factor；
According to formula D=γ ∑I=1(Gi*fi*ni) calculating the 4th pre- accrediting amount, wherein D indicates the 4th accrediting amount, GiFor
The capital of i-th investment project, fiFor the rate of return on investment of i-th investment project, niFor the investment time limit of i-th investment project,
γ is the fund appreciation rate of i-th investment project；
It is calculated according to the described first pre- accrediting amount, the second pre- accrediting amount, the pre- accrediting amount of third and the 4th pre- accrediting amount
The accrediting amount of the user.
4. finance loan product recommended method according to claim 3, which is characterized in that described according to first pre-granted
Letter amount, the second pre- accrediting amount, the pre- accrediting amount of third and the 4th pre- accrediting amount calculate the accrediting amount of the user, packet
It includes:
According to formula E=max (A, B, C, D) * μ, wherein μ is credit Dynamic gene；Or
According to formula E=(α * A+ β * B+ ε * C+ κ * D) * μ, wherein μ is credit Dynamic gene, and α, β, ε, κ indicate weighted value.
5. finance loan product recommended method according to claim 1, which is characterized in that in user's credit detail list
Including a plurality of financial loan products corresponding with the identity of the user；
It is described the financial loan product is recommended into the user after, further includes:
If the user uses any financial loan product recommended, more according to the financial loan product used by a user
New user's credit detail list；
If the log-on message that the user logs in default application program or default website is received again, according to the user updated
Credit detail list recommends financial loan product to the user.
6. finance loan product recommended method according to claim 5, which is characterized in that described to be made according to the user
Financial loan product updates user's credit detail list, comprising:
The used financial loan product of the user is marked in user's credit detail list；
Calculate total debt-credit amount of the used financial loan product of the user；
The remaining accrediting amount of the user is determined according to total debt-credit amount；
It determines that the user is not used and borrows or lends money the financial loan product that amount is greater than the remaining accrediting amount；
Identified financial loan product is marked.
7. finance loan product recommended method according to claim 6, which is characterized in that described according to the user updated
Credit detail list recommends financial loan product to the user, comprising:
Unmarked financial loan product is recommended into the user.
8. a kind of finance loan product recommendation apparatus characterized by comprising
First acquisition unit, for obtaining the data of financial transaction of user；
Computing unit, for calculating the accrediting amount of the user according to the data of financial transaction；
Determination unit, for the matched financial loan product of the determining and accrediting amount；
Configuration unit, for configuring user's credit detail list, user's credit detail list includes identity and the gold of user
Melt the corresponding relationship of loan product；
Second acquisition unit, if the log-on message of default application program or default website is logged in for receiving user, according to institute
State the identity that log-on message obtains user；
Third acquiring unit is produced for obtaining finance debt-credit corresponding with the identity based on user's credit detail list
Product；
First recommendation unit, for the financial loan product to be recommended the user.
9. a kind of computer equipment, which is characterized in that described to deposit including memory and the processor being connected with the memory
Reservoir is used to store the computer program for realizing financial loan product recommended method, and the processor is for running the memory
The computer program of middle storage, to execute method as described in any one of claim 1 to 7.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage have one or
More than one computer program realizes such as claim when the one or more computer program is executed by processor
1 to 7 described in any item methods.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811207859.4A CN109544264A (en) | 2018-10-17 | 2018-10-17 | Financial loan product recommended method, device, computer equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811207859.4A CN109544264A (en) | 2018-10-17 | 2018-10-17 | Financial loan product recommended method, device, computer equipment and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109544264A true CN109544264A (en) | 2019-03-29 |
Family
ID=65844199
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811207859.4A Pending CN109544264A (en) | 2018-10-17 | 2018-10-17 | Financial loan product recommended method, device, computer equipment and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109544264A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110210960A (en) * | 2019-05-20 | 2019-09-06 | 深圳壹账通智能科技有限公司 | A kind of data adjustment method and relevant device based on data analysis |
| CN110555704A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Credit contract processing method and device based on credit guarantee |
| CN110837325A (en) * | 2019-09-29 | 2020-02-25 | 北京奇才天下科技有限公司 | Method and device for displaying activity interface of financial product |
| CN110969486A (en) * | 2019-11-29 | 2020-04-07 | 中国银行股份有限公司 | Advertisement putting method, user terminal, server, system and storage medium |
| CN111179055A (en) * | 2019-12-20 | 2020-05-19 | 北京淇瑀信息科技有限公司 | Credit limit adjusting method and device and electronic equipment |
| CN115809370A (en) * | 2023-01-31 | 2023-03-17 | 精灵控(南京)智能科技有限公司 | Credit investigation product recommendation method and device, storage medium and server |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101089890A (en) * | 2007-07-12 | 2007-12-19 | 中国工商银行股份有限公司 | Loan accept system based on network and its loan accept terminal |
| CN105260934A (en) * | 2015-11-11 | 2016-01-20 | 中国建设银行股份有限公司 | Calculation method of line of credit and system thereof |
| CN106780012A (en) * | 2016-12-29 | 2017-05-31 | 深圳微众税银信息服务有限公司 | A kind of internet credit methods and system |
| CN107590734A (en) * | 2017-08-21 | 2018-01-16 | 中国建设银行股份有限公司 | Determine method and device, terminal device and the computer-readable storage medium of the accrediting amount |
| CN107967649A (en) * | 2017-11-07 | 2018-04-27 | 深圳市天下房仓科技有限公司 | A kind of the tourism industry loan measures and procedures for the examination and approval, system, terminal and storage medium |
| CN108520460A (en) * | 2018-03-26 | 2018-09-11 | 平安普惠企业管理有限公司 | Business datum calculates processing method, device, computer equipment and storage medium |
| CN108550078A (en) * | 2018-05-09 | 2018-09-18 | 平安普惠企业管理有限公司 | The recommendation method and terminal device of loan product |
-
2018
- 2018-10-17 CN CN201811207859.4A patent/CN109544264A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101089890A (en) * | 2007-07-12 | 2007-12-19 | 中国工商银行股份有限公司 | Loan accept system based on network and its loan accept terminal |
| CN105260934A (en) * | 2015-11-11 | 2016-01-20 | 中国建设银行股份有限公司 | Calculation method of line of credit and system thereof |
| CN106780012A (en) * | 2016-12-29 | 2017-05-31 | 深圳微众税银信息服务有限公司 | A kind of internet credit methods and system |
| CN107590734A (en) * | 2017-08-21 | 2018-01-16 | 中国建设银行股份有限公司 | Determine method and device, terminal device and the computer-readable storage medium of the accrediting amount |
| CN107967649A (en) * | 2017-11-07 | 2018-04-27 | 深圳市天下房仓科技有限公司 | A kind of the tourism industry loan measures and procedures for the examination and approval, system, terminal and storage medium |
| CN108520460A (en) * | 2018-03-26 | 2018-09-11 | 平安普惠企业管理有限公司 | Business datum calculates processing method, device, computer equipment and storage medium |
| CN108550078A (en) * | 2018-05-09 | 2018-09-18 | 平安普惠企业管理有限公司 | The recommendation method and terminal device of loan product |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110210960A (en) * | 2019-05-20 | 2019-09-06 | 深圳壹账通智能科技有限公司 | A kind of data adjustment method and relevant device based on data analysis |
| CN110555704A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Credit contract processing method and device based on credit guarantee |
| CN110837325A (en) * | 2019-09-29 | 2020-02-25 | 北京奇才天下科技有限公司 | Method and device for displaying activity interface of financial product |
| CN110969486A (en) * | 2019-11-29 | 2020-04-07 | 中国银行股份有限公司 | Advertisement putting method, user terminal, server, system and storage medium |
| CN110969486B (en) * | 2019-11-29 | 2024-02-27 | 中国银行股份有限公司 | Advertisement putting method, user, server, system and storage medium |
| CN111179055A (en) * | 2019-12-20 | 2020-05-19 | 北京淇瑀信息科技有限公司 | Credit limit adjusting method and device and electronic equipment |
| CN111179055B (en) * | 2019-12-20 | 2024-04-02 | 北京淇瑀信息科技有限公司 | Credit line adjusting method and device and electronic equipment |
| CN115809370A (en) * | 2023-01-31 | 2023-03-17 | 精灵控(南京)智能科技有限公司 | Credit investigation product recommendation method and device, storage medium and server |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN109544264A (en) | Financial loan product recommended method, device, computer equipment and storage medium | |
| US8583523B2 (en) | Method and system for providing financial services | |
| US7050997B1 (en) | Personal financial management system, method and program using a graphical object-oriented programming methodology | |
| US20020123954A1 (en) | Investing method, device for investing and investing system | |
| CN109615454A (en) | Determine the method and device of user's finance default risk | |
| US20140046872A1 (en) | Method of combining demography, monetary policy metrics, and fiscal policy metrics for security selection, weighting and asset allocation | |
| CN1998020A (en) | Loan simulation method and system | |
| WO2002091269A1 (en) | Deposits and savings display apparatus | |
| WO2005029274A2 (en) | Method, system and program for credit risk management utilizing credit exposure | |
| US20130346284A1 (en) | Novel systems and processes for enhanced microlending | |
| JP2014182572A (en) | Financing system, credit information generator, loan condition determination method and credit information generation program | |
| US20220129988A1 (en) | System and method for generating indicators derived from simulated projections incorporating financial goals | |
| CN106485547A (en) | User interface for life insurance appraisal | |
| US20140344143A1 (en) | System and method for managing related accounts | |
| JP5855072B2 (en) | Loan system, credit information generation device, loan determination device, loan condition determination method, credit information generation program, and loan condition determination program | |
| Zhang et al. | The adaptive market hypothesis of Decentralized finance (DeFi) | |
| WO2009021194A1 (en) | Client-server system for managing an item database and item transactions with user-item associations | |
| US20090319380A1 (en) | Facilitating Real Estate Transaction Collaboration | |
| Sulaiman et al. | Effect of Financial Performance, Capital Structure and Firm Size on Firms’ Value of Listed Consumer-goods firms in Nigeria | |
| Zou et al. | Art for art’s sake? An exploration of the Chinese art market | |
| Adjognon et al. | Productivity shocks and repayment behavior in rural credit markets: a framed field experiment | |
| Eberlein et al. | A multiple-curve Lévy forward rate model in a two-price economy | |
| EP3742379A1 (en) | Mobile terminal device and service providing system | |
| US20170148098A1 (en) | Data creating, sourcing, and agregating real estate tool | |
| Bauer | A better asymmetric model of changing volatility in stock and exchange rate returns: Trend-GARCH |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |