CN109559220A - Collection management method, equipment and computer readable storage medium - Google Patents
Collection management method, equipment and computer readable storage medium Download PDFInfo
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- CN109559220A CN109559220A CN201811365224.7A CN201811365224A CN109559220A CN 109559220 A CN109559220 A CN 109559220A CN 201811365224 A CN201811365224 A CN 201811365224A CN 109559220 A CN109559220 A CN 109559220A
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- 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
Abstract
The invention discloses a kind of collection management methods, this method comprises: obtaining the strategy input parameter to collection case；Preset policy engine is called to analyze the strategy input parameter, to determine the collection stage affiliated in preset collection Life cycle to collection case, and based on the collection strategy taken required for the collection stage；Execute it is described to collection case the collection stage collection strategy.The invention also discloses a kind of collection management equipment and a kind of computer readable storage mediums.The present invention can be realized the automatic management of collection Life cycle, to improve collection efficiency.
Description
Technical field
The present invention relates to software technology field more particularly to collection management methods, equipment and computer readable storage medium.
Background technique
Collection, refer to creditor according to relevant laws and regulations, a kind of side that the past due assets of debtor are recycled
Formula.For financial institution, the collection of overdue case is reducing non-performing loans ratio, reduces bad credit and is safeguarding the normal of fund
Operating aspect is of great significance.
Currently, the generally existing mechanism that collection processing is carried out to overdue case of each financial institution, for small-to-medium business, one
As rely on for counsel and carry out the management of overdue case in modes such as artificial, Microsoft Excels；For major company, generally there is collection system
System, but current collection system is only supported to be managed some collection stage (such as automatic collection), and for the life of case
Period circulation, was also relied on for counsel in the collection stage and collection strategy that manually adjust case.
Summary of the invention
It is a primary object of the present invention to propose a kind of collection management method, equipment and computer readable storage medium, purport
In the automatic management for realizing collection Life cycle, to improve collection efficiency.
To achieve the above object, the present invention provides a kind of collection management method, and the collection management method includes following step
It is rapid:
Obtain the strategy input parameter to collection case；
Call preset policy engine to analyze the strategy input parameter, with determine it is described to collection case pre-
If collection Life cycle in belonging to the collection stage, and based on the collection strategy taken required for the collection stage；
Execute it is described to collection case the collection stage collection strategy.
Preferably, before the step of strategy input parameter obtained to collection case, further includes:
The policy engine is integrated into collection system by software data development kit SDK.
Preferably, the strategy input parameter includes customer data, case data, collection mobile data and external reference number
According to.
Preferably, the collection Life cycle include the automatic collection stage, collection stage early period, committee's outer collection stage,
The law works collection stage and check and write off the stage.
Preferably, the step described in the execution to collection case in the collection strategy in the collection stage includes:
When the collection stage is the collection early period stage, distributed described to collection case to preset internal virtual group
Primary virtual group；
According to the hierarchical relationship of the internal virtual group and the division configuration rule of preset each layer virtual group, calculate each
The division number of layer virtual group will be distributed to the primary virtual group to collection according to the division number of each layer virtual group
Case is distributed to each layer virtual group of junior；
According to the division ratio of preset internal collection person, by being distributed to collection case for distribution to each layer virtual group of junior
Collection person under to each layer virtual group of junior attends a banquet.
Preferably, the division ratio according to preset internal collection person, by distribution to each layer virtual group of junior to
Collection case was distributed to the collection person under each layer virtual group of junior after the step of attending a banquet, further includes:
Every preset duration, judgement is assigned to what collection person attended a banquet whether close to collection case；
It does not close if being assigned to what collection person attended a banquet to collection case, is redistributed outstanding to collection case
It attends a banquet to new collection person.
Preferably, the step described in the execution to collection case in the collection strategy in the collection stage includes:
When the collection stage is to entrust the outer collection stage, distributed described to collection case to virtual outside preset committee
Group, and generate corresponding distribution inventory；
When receiving the outer administrator of entrusting and putting single instrction based on the allowance that the distribution inventory triggers, generate outside corresponding committee
File；
By file outside the committee and described agency node outside the committee outside the committee under virtual group is sent to collection case.
Preferably, the collection management method further include:
The case transmitting state outside the committee under the collection stage is recorded, the case transmitting state, which includes that committee is outer, to be waited, entrusts
Outer to be allocated, committee is outer, and wait put, single, committee is outer to put single confirmation and committee is outer puts in list.
In addition, to achieve the above object, the present invention also provides a kind of collection management equipment, the collection management equipment packet
It includes: memory, processor and being stored in the collection management program that can be run on the memory and on the processor, it is described
Collection management program realizes the step of collection management method as described above when being executed by the processor.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Collection management program is stored on storage medium, the collection management program realizes collection as described above when being executed by processor
The step of management method.
Collection system of the present invention is realized and is determined according to strategy input parameter automatization by calling preset policy engine
To collection case in collection Life cycle belonging to the collection stage, and with the collection taken required for the collection stage
Strategy, and then execute the collection strategy automatically and improve and urge to realize the automatic management of collection Life cycle
It produces effects rate.
Detailed description of the invention
Fig. 1 is the device structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of collection management method first embodiment of the present invention；
Fig. 3 is the input and output schematic diagram of policy engine in the embodiment of the present invention；
Fig. 4 is the schematic diagram of the case transmitting state outside the Central Committee of the embodiment of the present invention under the collection stage.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The primary solutions of the embodiment of the present invention are: obtaining the strategy input parameter to collection case；It calls preset
Policy engine analyzes the strategy input parameter, with determine it is described to collection case in preset collection Life cycle
In belonging to the collection stage, and based on the collection strategy taken required for the collection stage；It executes described to collection case
In the collection strategy in the collection stage.
Currently, the generally existing mechanism that collection processing is carried out to overdue case of each financial institution, for small-to-medium business, one
As rely on for counsel and carry out the management of overdue case in modes such as artificial, Microsoft Excels；For major company, generally there is collection system
System, but current collection system is only supported to be managed some collection stage (such as automatic collection), and for the life of case
Period circulation, was also relied on for counsel in the collection stage and collection strategy that manually adjust case.
Collection system of the present invention is realized and is determined according to strategy input parameter automatization by calling preset policy engine
To collection case in collection Life cycle belonging to the collection stage, and with the collection taken required for the collection stage
Strategy, and then execute the collection strategy automatically and improve and urge to realize the automatic management of collection Life cycle
It produces effects rate.
As shown in Figure 1, Fig. 1 is the device structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
Collection management equipment of the embodiment of the present invention can be PC machine or server, equipped with collection in the collection management equipment
System, for realizing collection management method of the present invention.
As shown in Figure 1, the collection management equipment may include: processor 1001, such as CPU, network interface 1004, user
Interface 1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is for realizing the connection between these components
Communication.User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user
Interface 1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include having for standard
Line interface, wireless interface (such as WI-FI interface).Memory 1005 can be high speed RAM memory, be also possible to stable storage
Device (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processing
The storage device of device 1001.
It will be understood by those skilled in the art that device structure shown in Fig. 1 does not constitute the restriction to equipment, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe module, Subscriber Interface Module SIM and collection management program.
In terminal shown in Fig. 1, network interface 1004 is mainly used for connecting background server, carries out with background server
Data communication；User interface 1003 is mainly used for connecting client (user terminal), carries out data communication with client；And processor
1001 can be used for calling the collection management program stored in memory 1005, and execute the behaviour in following collection management methods
Make.
Based on above-mentioned hardware configuration, collection management method embodiment of the present invention is proposed.
It is the flow diagram of collection management method first embodiment of the present invention referring to Fig. 2, Fig. 2, which comprises
Step S10 obtains the strategy input parameter to collection case；
The present embodiment collection management method is applied to collection system, which has a policy engine, the strategy
Engine be using technologies such as decision tree, champion challenger, neural networks as core, can be to big according to certain business rule
Data volume completes prediction in real time, analysis, carries out a kind of tool of scoring modeling, risk identification and intelligent decision.Optionally, above-mentioned
It may include: that the policy engine is integrated into collection system by software data development kit SDK before step S10.
When it is implemented, policy engine can be stripped out by collection system, goes to safeguard by business personnel, then pass through again
The mode of SDK (Software Development Kit, Software Development Kit) is integrated into collection system, and this mode can
To allow business personnel directly to formulate, modify and control various collection strategies, previous collection business personnel is changed in management collection
To the heavy dependence of IT personnel when tactful, while IT personnel also being solved to abjection from cumbersome collection business rule design management
Come, is absorbed in the construction of collection system itself.
Collection system access policy engine carries out case by policy engine and enters and leaves point urged logic judgment, drive case
It sends out, determine the collection strategy that the case executes.
Specifically, collection system, which can periodically be run, criticizes, and the related data of overdue client is obtained from multiple preset data sources, so
The related data of each overdue client is collected afterwards, forms a strategy input parameter, strategy input parameter can wrap
Include the data of the several types such as customer data, case data, collection mobile data and external collage-credit data, in which:
Customer data includes but is not limited to that customer information, case information, account information, client's score information, client enter to urge
Historical information；Case data include but is not limited to case essential information, case committee external information, case law works information；Collection action
Data include but is not limited to that loan commitment information (has had recorded the commitment information since client enters the collection stage, including promises to undertake also
The money amount of money, promise to undertake refund the time, break promise number, to determine the client whether realize promise refund), currently urge note believe
Breath, collection robot information, behavior scoring information；External collage-credit data includes but is not limited to Police Information, people's row information.
Step S20 calls preset policy engine to analyze the strategy input parameter, described to collection to determine
The case collection stage affiliated in preset collection Life cycle, and urged based on what is taken required for the collection stage
Receive strategy；
In the step, collection system calls preset policy engine, and the above-mentioned strategy input parameter got is sent into
It is executed in policy engine.It is the input and output schematic diagram of policy engine in the embodiment of the present invention, every plan referring to Fig. 3, Fig. 3
Slightly corresponding one corresponding strategy of input parameter exports, and includes urging to collection case preset in the strategy output of policy engine
The collection stage belonging to receiving in life cycle, and based on the collection policy information taken required for the collection stage.
In the present embodiment, collection Life cycle may include automatic collection stage, collection stage early period, the outer collection of committee
5 stages such as stage, law works collection stage and the stage of checking and writing off, in which:
1) automatic collection
As its name suggests, automatic collection is a kind of collection behavior automatically initiated by collection system, include automation short message,
The collection of the approach such as phone, wechat, mailbox.Case in this stage, often just overdue, the big, wind with case load
The small feature in danger, a big chunk case are the carelessness due to client and forget to refund, and pass through automation collection operation mode
It can effectively touch up to client, it is reminded to refund on time.
2) collection early period
The main actions in the stage are that collection person carries out collection operation by way of phone.With the increasing of overdue time
Add, the overdue amount of money that client needs to repay is also more, also means that the refund wish of client and loan repayment capacity also can be corresponding
Decrease, urging the target in stage in the past is that can contact client as early as possible, urges its active to refund, the behavior for avoiding its overdue adds
Weight.
3) the outer collection of committee
When cannot still client be promoted to refund by way of phone collection, it is necessary to case is entrusted into external agency, into
Capable collection of visiting.
4) law works collection
Law works collection is a kind of mode for entrusting external lawyer's office to carry out collection, primarily directed to passing through outer collection of entrusting
Means can not still facilitate the user of refund, and outer collection is bigger, and cost is also higher than entrusting for the dynamics of law works collection.So being not institute
There is case that can all enter the law works stage, we define relevant rule in policy engine, to determine whether case has method
The value of business collection.
5) stage is checked and write off
Check and write off be collection life cycle the last stage, check and write off processing for carrying out to non-performing loan, check and write off classification
It may include dead class, demand class, lawsuit arbitration class and generally check and write off class.
To reach preferable collection effect, different collection strategies can be preset for the above-mentioned different collection stage.For example,
In the automatic collection stage, collection strategy may include one of automation short message, phone, wechat, mailbox or a variety of；In early period
Collection stage, collection strategy may include that will distribute to different collection person's progress phones according to preset rules to collection case to urge
It receives；In the outer collection stage of entrusting, collection strategy may include that external collection mechanism will be sent to collection case, by external collection machine
Structure carries out collection of visiting；In the law works collection stage, it can collect and deposit card information to the credible of collection case, together with legal documents
It is sent to arbitration organ, case is arbitrated by arbitration organ；In the stage of checking and writing off, collection strategy may include will case be checked and write off
The relevant material of part is collected, and will check and write off each external partnering organization of result notice.
It should be noted that policy engine other than it can export collection stage and collection policy information, can also export
Corresponding point of case dangerous data, such as the scoring of risk class, risk score, customer action, collection system is available and shows
These risk datas are referred to for front end collection person.
Step S30, execute it is described to collection case the collection stage collection strategy.
In the step, collection system executes the collection strategy to collection case in the collection stage of above-mentioned determination.Specifically,
In the automatic collection stage, collection system can will be sent to corresponding collection terminal according to collection strategy to collection case, such as certainly
Dynamicization short message, telephone terminal, speech robot people's terminal, social terminal etc., so that collection terminal executes corresponding automation collection
Operation；It can be mentioned under existing manpower in collection stage early period since the effect preceding urged is affected by human factors very greatly
For height to the collection effect of case, primary factor is exactly reasonable progress case distribution therefore can be according to preset allocation rule
Collection is carried out by distributing to collection case to different collection persons；It, equally can be according to preset distribution in the outer collection stage of entrusting
Rule will distribute to different Wei Wai mechanisms to collection case and carry out collection, for example can give according to the region of client
Then the Wei Wai company in the region summarizes the overdue information of client by system, pass through the file interaction system built in collection system
System, distributes to corresponding Wei Wai company for the information of case and case automatically；In the law works collection stage, can collect to collection
The credible of case deposits card information, is sent to arbitration organ together with legal documents, is arbitrated by arbitration organ to case；In core
The relevant material of case to be checked and write off can be collected, and will check and write off each external partnering organization of result notice by the pin stage.
In the present embodiment, collection system is realized according to strategy input parameter certainly by calling preset policy engine
Dynamicization determines the collection stage affiliated in collection Life cycle to collection case, and adopts with required for the collection stage
The collection strategy taken, and then the collection strategy is executed automatically, so that the automatic management of collection Life cycle is realized,
Improve collection efficiency.
Further, it is based on above-mentioned first embodiment, proposes collection management method second embodiment of the present invention.In this implementation
In example, step S30 be may further include in Fig. 2:
When the collection stage is the collection early period stage, distributed described to collection case to preset internal virtual group
Primary virtual group；
According to the hierarchical relationship of the internal virtual group and the division configuration rule of preset each layer virtual group, calculate each
The division number of layer virtual group will be distributed to the primary virtual group to collection according to the division number of each layer virtual group
Case is distributed to each layer virtual group of junior；
According to the division ratio of preset internal collection person, by being distributed to collection case for distribution to each layer virtual group of junior
Collection person under to each layer virtual group of junior attends a banquet.
Specifically, when the collection stage is the collection early period stage, since the effect preceding urged is affected by human factors very greatly,
The collection effect to case can be improved under existing manpower, primary factor is exactly reasonable progress case distribution.For this purpose,
An internal virtual group can be preset, which is multi-layer tree, and collection system incite somebody to action this first in division
Batch is all to distribute to collection case to the primary virtual group of the internal virtual group, and counts to division part sum；Then, root
According to the hierarchical relationship of internal virtual group and the division configuration rule of preset each layer virtual group, the division of each layer virtual group is calculated
Then number will distribute distributing to each layer of junior to collection case to primary virtual group according to the division number of each layer virtual group
Virtual group；Later, in the division ratio according to preset internal collection person, by distribution to each layer virtual group of junior to collection case
Part is distributed to the collection person under each layer virtual group of junior and is attended a banquet.Hereby it is achieved that by primary virtual group to second level, three-level ..., directly
To the division process of the specific collection person of leaf node.
Further, the division ratio according to preset internal collection person, by distribution to each layer virtual group of junior
After distributing to the collection person under each layer virtual group of junior the step of attending a banquet to collection case, can also include:
Every preset duration, judgement is assigned to what collection person attended a banquet whether close to collection case；
It does not close if being assigned to what collection person attended a banquet to collection case, is redistributed outstanding to collection case
It attends a banquet to new collection person.
Specifically, collection system can be every preset duration, and judgement is assigned to what collection person attended a banquet is to collection case
No to close, i.e., whether client pays off one's debt, and does not close if being assigned to what collection person attended a banquet to collection case, collection system can
Will should reassign to new collection person to collection case and attended a banquet, wherein preset duration can be with flexible setting, such as when default
At Shi Changwei 1 month, a case can be carried out collection operation in 1 month by same position collection person, if the case that expires is not closed,
Case is handled new collection person is distributed to, and the human factor that so can be avoided single collection person causes case collection
Influence.
The present embodiment is by above-mentioned level division mode, convenient for according to the energy of actual collection person's quantity, each collection person
Power carries out the reasonable disposition of case, when personnel or business change, need to only modify corresponding virtual group structure and division ratio
Example configuration implements flexible and convenient, further improves collection efficiency, and is conducive to enhance collection effect.
Further, it is based on above-mentioned first embodiment, proposes collection management method 3rd embodiment of the present invention.In this implementation
In example, step S30 be may further include in Fig. 2:
When the collection stage is to entrust the outer collection stage, distributed described to collection case to virtual outside preset committee
Group, and generate corresponding distribution inventory；
When receiving the outer administrator of entrusting and putting single instrction based on the allowance that the distribution inventory triggers, generate outside corresponding committee
File；
By file outside the committee and described agency node outside the committee outside the committee under virtual group is sent to collection case.
Specifically, when the collection stage is to entrust the outer collection stage, for the reasonable distribution for realizing case, a committee can be preset
Outer virtual group, includes several Wei Wai mechanisms under virtual group outside the committee, and collection system can will be to according to preset division ratio
Collection case distributes each Wei Wai mechanism to virtual group outside the committee, and generates corresponding distribution inventory, which needs
It is sent to the outer administrator of committee to audit, when collection system is put based on the allowance that inventory triggers is distributed when receiving the outer administrator that entrusts
When single instrction, that is, file outside corresponding committee (such as outer handover book of entrusting) is generated, then, passes through the file interaction system built in collection system
The outer file of case and committee is sent to agency node outside corresponding committee automatically by system.Hereby it is achieved that the outer division process of committee.
It should be noted that it is similar with the division in collection stage early period, it, can also be when default in outer division of entrusting
Long, judgement is assigned whether closing to collection case to Wei Wai mechanism, if being assigned to Wei Wai mechanism to collection case not
It closes, then reassigns to new Wei Wai mechanism to collection case for outstanding, so can be avoided single Wei Wai mechanism
Human factor is influenced caused by case collection.
Further, the collection management method can also include: the case circulation recorded outside the committee under the collection stage
State, the case transmitting state include committee it is outer wait, outer wait put, single, committee is outer to put single confirmation and committee is outer puts to outer to be allocated, committee, committee
Dan Zhong.
Specifically, collection system controls the case processing in outer collection stage of entrusting according to the circulation for outer state of entrusting.Referring to figure
4, Fig. 4 be the schematic diagram of the case transmitting state outside the Central Committee of the embodiment of the present invention under the collection stage.It wherein mainly include following 5
State:
1) committee is outer waits
Meeting and entering the case state in outer stage of entrusting is outer wait of entrusting.As the case overdue time reaches a certain level, or
Case has taken on high risk trend preceding urging the stage.
2) committee is outer to be allocated
When the case in the outer waiting of committee, then becomes outer state to be allocated of entrusting after being executed from policy engine, divided at this time
Primary virtual group is prepared, but is not allocated to specific Wei Wai company, can choose manual assignment at this time or by collection system batch
Distribution.
3) list to be put outside entrusting
Case is assigned to specific Wei Wai company by collection system at this time, externally sends because being related to case, needs phase
It closes administrator to audit, whether decision systems automate division result reasonable.
4) committee is outer puts single confirmation
It is that the outer administrator of entrusting audits collection system automation division as a result, permit putting list for satisfactory case, it is no
Distribution can then be cancelled by hand.It carries out after putting single confirmation, it will generate the related outer file of entrusting such as outer handover book of committee.
5) committee is outer puts in list
When case has transmitted to Wei Wai company, then enter that committee is outer to put in list, this stage will be urged by Wei Wai company
It receives.Collection system can carry out report form statistics in the outer case put in list of committee to quantify the collection effect of Wei Wai company.
Other states: administrator it is undesirable that case entrusted again outside, case can be recalled, and wait whether
From entrusting, the outer stage is produced.During putting list, if necessary, it can initiate to move back case in advance.Certainly, administrator can also should also entrust
Outer company requires to carry out staying case.
The present embodiment is realized and is carried out to the case transmitting state entrusted under the outer collection stage by putting folk prescription formula outside above-mentioned committee
Management implements flexible and convenient, further improves collection efficiency, and is conducive to enhance collection effect.
The present invention also provides a kind of collection management equipments.
Collection management equipment of the present invention includes: memory, processor and is stored on the memory and can be at the place
The collection management program run on reason device, the collection management program realize collection as described above when being executed by the processor
The step of management method.
Wherein, the collection management program run on the processor, which is performed realized method, can refer to the present invention
The each embodiment of collection management method, details are not described herein again.
The present invention also provides a kind of computer readable storage mediums.
Collection management program is stored on computer readable storage medium of the present invention, the collection management program is by processor
The step of collection management method as described above is realized when execution.
Wherein, the collection management program run on the processor, which is performed realized method, can refer to the present invention
The each embodiment of collection management method, details are not described herein again.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone,
Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of collection management method, which is characterized in that the collection management method includes the following steps:
Obtain the strategy input parameter to collection case；
Call preset policy engine to analyze the strategy input parameter, with determine it is described to collection case preset
The collection stage belonging in collection Life cycle, and based on the collection strategy taken required for the collection stage；
Execute it is described to collection case the collection stage collection strategy.
2. collection management method as described in claim 1, which is characterized in that the strategy input ginseng obtained to collection case
Before several steps, further includes:
The policy engine is integrated into collection system by software data development kit SDK.
3. collection management method as described in claim 1, which is characterized in that it is described strategy input parameter include customer data,
Case data, collection mobile data and external collage-credit data.
4. collection management method as claimed any one in claims 1 to 3, which is characterized in that the collection Life cycle
Including automatic collection stage, collection stage early period, committee's outer collection stage, law works collection stage and the stage of checking and writing off.
5. collection management method as claimed in claim 4, which is characterized in that urged to collection case described described in the execution
The step of the collection strategy in receipts stage includes:
When the collection stage is the collection early period stage, distributed described to collection case to the one of preset internal virtual group
Grade virtual group；
According to the hierarchical relationship of the internal virtual group and the division configuration rule of preset each layer virtual group, it is empty to calculate each layer
The division number of quasi- group will be distributed to the primary virtual group to collection case according to the division number of each layer virtual group
It distributes to each layer virtual group of junior；
According to the division ratio of preset internal collection person, distributing under to collection case to each layer virtual group of junior will be distributed
Collection person under each layer virtual group of grade attends a banquet.
6. collection management method as claimed in claim 5, which is characterized in that the division according to preset internal collection person
Ratio distributes distribution to the step attended a banquet to the collection person under each layer virtual group of junior to collection case to each layer virtual group of junior
After rapid, further includes:
Every preset duration, judgement is assigned to what collection person attended a banquet whether close to collection case；
It does not close if being assigned to what collection person attended a banquet to collection case, is reassigned to outstanding newly to collection case
Collection person attend a banquet.
7. collection management method as claimed in claim 4, which is characterized in that urged to collection case described described in the execution
The step of the collection strategy in receipts stage includes:
When the collection stage is to entrust the outer collection stage, distributed described to collection case to virtual group outside preset committee, and
Generate corresponding distribution inventory；
When receiving the outer administrator of entrusting and putting single instrction based on the allowance that the distribution inventory triggers, corresponding committee's foreign language is generated
Part；
By file outside the committee and described agency node outside the committee outside the committee under virtual group is sent to collection case.
8. collection management method as claimed in claim 7, which is characterized in that the collection management method further include:
Record the case transmitting state outside the committee under the collection stage, the case transmitting state include committee it is outer wait, committee it is outer to
Distribution, committee are outer, and wait put, single, committee is outer to put single confirmation and committee is outer puts in list.
9. a kind of collection management equipment, which is characterized in that the collection management equipment includes: memory, processor and is stored in
On the memory and the collection management program that can run on the processor, the collection management program is by the processor
It realizes when execution such as the step of collection management method described in any item of the claim 1 to 8.
10. a kind of computer readable storage medium, which is characterized in that be stored with collection pipe on the computer readable storage medium
Program is managed, such as collection management described in any item of the claim 1 to 8 is realized when the collection management program is executed by processor
The step of method.
Priority Applications (1)
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| CN110705963A (en) * | 2019-09-25 | 2020-01-17 | 中国建设银行股份有限公司 | Verification method and device for verification of underwriting |
| CN110796341A (en) * | 2019-09-30 | 2020-02-14 | 北京淇瑀信息科技有限公司 | Distributed batch processing method and device for collection cases and electronic equipment |
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