CN109785107B

CN109785107B - Method for flexibly configuring fund duty ratio and related products

Info

Publication number: CN109785107B
Application number: CN201811525670.XA
Authority: CN
Inventors: 李芳云
Original assignee: Ping An Technology Shenzhen Co Ltd
Current assignee: Ping An Technology Shenzhen Co Ltd
Priority date: 2018-12-13
Filing date: 2018-12-13
Publication date: 2023-07-18
Anticipated expiration: 2038-12-13
Also published as: CN109785107A

Abstract

The embodiment of the application discloses a bank server, a fund duty ratio flexible configuration method and related products, which are applied to the bank server, wherein the method comprises the following steps: and detecting the loan order for the target loan item received in the current fund configuration period in the preconfigured order quantity monitoring period, adjusting the fund duty ratio of the second loan order to be examined and approved according to the received loan order, and finally completing the examination and approval operation of the second loan order to be examined and approved in the approval processing period corresponding to the preconfigured order quantity monitoring period. The method and the device are beneficial to reducing the average approval duration in the loan order of the user, so that the use ratio of the bank server in different time periods is balanced, the approval efficiency of the bank for the loan order is improved, and the requirements of more users for the loan are met.

Description

Method for flexibly configuring fund duty ratio and related products

Technical Field

The application relates to the technical field of servers, in particular to a method and related products based on flexible configuration of fund duty ratio.

Background

With the continuous improvement of living standard of people, consumption concepts of people are gradually changed, and more people tend to meet current shopping demands through loans. Resulting in the current bank's associated loan traffic being busy. In order to meet the demand of people for rapidly and efficiently taking loan amount, some loan items of the current bank are paid together with small loan companies during the payment, the loan items of the combined payment are paid by the bank and the small loan companies according to a preset fixed fund ratio, the money amount of the small loan companies in a preset time period cannot be fully utilized by the payment mode, the load of a bank server in some time periods is easy to be too high, and the bank processing efficiency is reduced.

Disclosure of Invention

The embodiment of the application discloses a method and related products based on flexible allocation of fund duty ratio, which are used for guaranteeing the stability of cooperation of a small credit company and a bank, meeting the demand of a large number of users for loan to the bank, efficiently utilizing the fund of the small credit company and accelerating the approval processing efficiency of the bank.

In a first aspect, an embodiment of the present application provides a flexible fund ratio configuration method, which is applied to a bank server, where the bank server is in communication connection with a loan platform server and a loan company server, and the platform server is in communication connection with a mobile terminal through a loan client, and the method includes:

detecting a loan order for a target loan item that has been received for a current fund configuration period during a pre-configured order quantity monitoring period;

adjusting the fund ratio of the second loan order to be approved according to the received loan order;

and finishing the approval operation of the second loan order to be approved in the approval processing period corresponding to the preset order quantity monitoring period.

In a second aspect, embodiments of the present application provide a bank server flexibly configured based on a fund ratio, the bank server comprising:

And a verification unit: for verifying user information in the loan order;

a determination unit: for determining a fund ratio of banks and small loan companies for the loan order during the fund allocation period;

approval unit: and the method is used for carrying out approval operation on the loan order after determining the fund ratio of the loan order.

In a third aspect, embodiments of the present application provide a banking server comprising an application processor, a memory, a communication interface, and one or more programs stored in the memory and configured to be executed by the application processor, the programs comprising instructions for performing steps in any of the methods of the first aspect of embodiments of the present application.

In a fourth aspect, embodiments of the present application provide a computer-readable storage medium, where the computer-readable storage medium stores a computer program for electronic data exchange, where the computer program causes a computer to perform some or all of the steps as described in any of the methods of the first aspect of the embodiments of the present application.

In a fifth aspect, embodiments of the present application provide a computer program product, wherein the computer program product comprises a non-transitory computer readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps described in any of the methods of the first aspect of embodiments of the present application. The computer program product may be a software installation package.

It can be seen that, in this embodiment of the present application, the banking server first detects, in a preconfigured order quantity monitoring period, a loan order for a target loan item that has been received in a current fund configuration period, secondly adjusts, according to the received loan order, a fund ratio of a second loan order to be approved, and finally completes an approval operation of the second loan order to be approved in an approval processing period corresponding to the preconfigured order quantity monitoring period. The fund configuration period refers to a fund-giving period of a small loan company aiming at a target loan item, the order quantity monitoring period is related to an approval processing period in the fund configuration period, the duration of the approval processing period is smaller than that of the fund configuration period, the loan order comprises a first loan order which is approved and a second loan order which is to be approved, the target loan item is commonly paid by a bank and the small loan company, the fund ratio refers to the proportion of the first fund to the second fund, the first fund is the fund paid out by the bank in each loan order, and the second fund is the fund paid out by the small loan company in each loan order. Therefore, the bank server can dynamically adjust the fund proportion of the loan orders, so that as many loan orders as possible in the current fund allocation period can be subjected to approval operation, the situation that the loan orders of the small loan companies can not be approved due to too much loan can not be paid out because of using a single fund proportion to consume the loan funds in the period too early under the condition that the number of the loan orders is large is avoided, the approval period of the loan orders is prolonged, and the average approval duration in the loan orders of users is reduced, so that the use rate of the bank server in different time periods is balanced, the approval efficiency of the banks on the loan orders is improved, and the demands of more users on the loans are met.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1A is a schematic diagram of a method for flexible configuration of funding duty ratios according to an embodiment of the present application;

FIG. 1 is a flow chart of a method for flexible configuration of fund duty ratios provided by embodiments of the present application;

FIG. 2 is a flow chart of another method for flexible configuration of fund duty ratios provided by embodiments of the present application;

FIG. 3 is a flow chart of another method for flexible configuration of fund duty ratios provided by embodiments of the present application;

FIG. 4 is a schematic diagram of a bank server configured flexibly based on a fund ratio according to an embodiment of the present application;

fig. 5 is a functional unit composition block diagram of a bank server flexibly configured based on a fund ratio according to an embodiment of the present application.

Detailed Description

In order to make the present application solution better understood by those skilled in the art, the following description will clearly and completely describe the technical solution in the embodiments of the present application with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present application.

The terms first, second and the like in the description and in the claims of the present application and in the above-described figures, are used for distinguishing between different objects and not for describing a particular sequential order. Furthermore, the terms "comprise" and "have," as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the present application. The appearances of such phrases in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments.

The server in the present application may include a smart Phone (such as an Android mobile Phone, an iOS mobile Phone, a Windows Phone mobile Phone, etc.), a tablet computer, a palm computer, a notebook computer, a mobile internet device MID (Mobile Internet Devices, abbreviated as MID) or a wearable device, etc., which is merely exemplary, but not exhaustive, including but not limited to the above server, and for convenience of description, the above server is referred to as a User equipment UE (abbreviated as UE) in the following embodiments. Of course, in practical applications, the user equipment is not limited to the above-mentioned variant, and may further include: intelligent vehicle terminals, computer devices, etc.

The embodiments of the present application are described in detail below.

Referring to fig. 1, fig. 1 is a flow chart of a method for flexibly configuring a fund ratio, applied to a bank server, according to an embodiment of the present application, where the method includes steps 101 to 103:

step 101, a bank server detects a loan order for a target loan item received in a current fund configuration period in a preconfigured order quantity monitoring period;

the loan order is generated by loan information input by a user through a mobile terminal of the user, the loan information is sent to the platform server through the mobile terminal, and the platform server determines a corresponding bank according to information aiming at a target loan item in the loan order and sends the loan order to the bank server. The target loan term has a preconfigured fund ratio that is commonly funded by banks and small loan companies.

Step 102, the bank server adjusts the fund ratio of the second loan order to be approved according to the received loan order;

the bank server determines the fund condition in the current approval processing period according to the fund condition of the received loan order, and adjusts the fund ratio of the second loan order to be approved according to the current fund condition.

And step 103, finishing the approval operation of the second loan order to be approved in the approval processing period corresponding to the preconfigured order quantity monitoring period.

Wherein, after the approval operation of the second loan order is completed, reading item information of the target loan amount, the item information including at least one of: loan charge, loan waiting time and repayment time; and sending the information to a platform server, sending auditing passing information to each mobile terminal corresponding to the second loan order to be approved through the platform server, wherein the auditing passing information comprises the project information and the fund duty ratio for approval of the second loan order to be approved, and the mobile terminals are displayed to a user in a form of a chart through a display screen.

Referring to fig. 1A, fig. 1A is a schematic diagram of a method for flexibly configuring a fund ratio according to an embodiment of the present application, with reference to a specific hardware architecture involved in the execution process of the steps 101 to 103;

the mobile terminal firstly receives loan information of a user and sends the loan information to the platform server, the platform server forwards the loan information to the bank server, the bank server verifies related information and evaluates related user information after receiving the loan information, the user who passes the information verification and evaluation is considered as a user meeting the loan condition, a loan order is generated according to the loan information, request information is sent to the small loan company server, fund information of the small loan company is received, approval operation of the loan order is completed according to the fund information of the small loan company, the number of the current loan order and a target loan item, the approved order information is sent to the small loan company server so that the small loan company can conveniently conduct money release operation according to the fund ratio in the order information, meanwhile, the approved order information is sent to the platform server, the platform server forwards the approved order information to the mobile terminal, and the mobile terminal displays the approval result on a display.

It can be seen that, in this embodiment of the present application, the banking server first detects, in a preconfigured order quantity monitoring period, a loan order for a target loan item that has been received in a current fund configuration period, secondly adjusts, according to the received loan order, a fund ratio of a second loan order to be approved, and finally completes an approval operation of the second loan order to be approved in an approval processing period corresponding to the preconfigured order quantity monitoring period. Wherein, the liquid crystal display device comprises a liquid crystal display device,

the fund allocation period refers to a fund-giving period of a small loan company aiming at a target loan item, the order quantity monitoring period is related to an approval processing period in the fund allocation period, the duration of the approval processing period is smaller than that of the fund allocation period, the loan order comprises a first approved loan order and a second loan order to be approved, the target loan item is commonly paid by a bank and the small loan company, the fund ratio refers to the proportion of the first fund to the second fund, the first fund is the fund paid by the bank in each loan order, and the second fund is the fund paid by the small loan company in each loan order. Therefore, the bank server can dynamically adjust the fund proportion of the loan orders, so that as many loan orders as possible in the current fund allocation period can be subjected to approval operation, the situation that the loan orders of the small loan companies can not be approved due to too much loan can not be paid out because of using a single fund proportion to consume the loan funds in the period too early under the condition that the number of the loan orders is large is avoided, the approval period of the loan orders is prolonged, and the average approval duration in the loan orders of users is reduced, so that the use rate of the bank server in different time periods is balanced, the approval efficiency of the banks on the loan orders is improved, and the demands of more users on the loans are met.

For example, assuming that the bank has a fund allocation period of 1 day and an approval process period of 6 hours, the bank will perform approval operations of loan orders at 0, 6, 12 and 18 points per day, the bank will refresh the fund allocation period at 0, 0 to 6, 6 to 12, 12 to 18 and 18 to 24 points per day, the loan company pays with different amount thresholds in four approval periods, assuming that the loan company pays 100 ten minutes per day, the first approval period (0 to 6) amount threshold is 20 ten minutes, the second approval period (6 to 12) amount threshold is 50 minutes, the third approval period (12 to 18) amount threshold is 80 ten minutes, the fourth approval period (18 to 24) amount threshold is 100 ten minutes, for example, when the current time point is in the time period of the third batch period, setting the order quantity monitoring time period from 17 to 18 as the third batch period, acquiring a loan order in the current fund configuration period by the bank in the time period, determining an order for a target loan item according to the target loan item to be processed currently, counting the first loan orders which are subjected to batch examination in the first batch period and the second batch period in the order for the target loan item, acquiring fund ratio information of each order in the first loan order, and calculating the used amount of money paid by the current small loan company, wherein the used amount of money is less than or equal to 50 ten thousand of the paying amount of the second batch period. Counting the loan orders received in the current third approval period, reading the stored preconfigured fund proportion, calculating a first amount value required by the loan orders received in the third approval period according to the preconfigured fund proportion, judging whether the sum of the used amount and the first amount value is larger than an amount threshold of the third approval period, and if not, carrying out approval operation on the loan orders received in the third approval period according to the preconfigured fund proportion; if so, calculating a first difference between the sum threshold of the third trial period and the used sum, calculating an average sum value of the loan orders received in the third trial period and the loan amount of each loan order for the target loan amount received in the third trial period for the small loan company, determining the amount of the bank needing to be loaned by combining the sum value of the target loan amount, obtaining a fund occupation ratio, adjusting the preconfigured fund occupation ratio according to the obtained fund occupation ratio, and beginning to carry out approval operation on the loan orders received in the third trial period at 18 points.

In one possible example, the method detects a loan order for a target loan item that has been received for a current fund configuration period during a preconfigured order quantity monitoring period, the method comprising: acquiring a plurality of loan orders; screening a first quantity of loan orders for a target loan amount from the plurality of loan orders; and screening the loan orders related to the approval processing period from the first number of loan orders.

Wherein, the banking server firstly obtains a plurality of loan orders of the current banking server, secondly determines a target loan item to be currently approved, and extracts necessary information in the target loan item, including but not limited to: loan amount, loan pre-estimated approval duration, and loan period number. According to the extracted necessary information in the target loan item, extracting information of corresponding categories in the plurality of loan orders, determining a loan amount value in the loan order, and if the loan estimated approval time value and the loan period number are consistent with the values in the target loan item or the value ranges, screening out the loan orders with consistent information and generating a first quantity order; and the bank server determines the current approval processing period according to the current time point, and determines the loan order in the current approval processing period in the first quantity of orders.

Therefore, in the example, the information features of the loan order and the approval processing period can be used for accurately finding the order needed by the current bank, so that the searching time for the loan order is reduced, and the approval processing efficiency of the bank is improved.

In one possible example, the method detects a loan order for a target loan item that has been received for a current fund configuration period during a preconfigured order quantity monitoring period, the method comprising: acquiring a plurality of loan orders; screening a first number of loan orders associated with the approval process period from the plurality of loan orders; and screening the loan orders aiming at the target loan amount from the first quantity of loan orders.

The method comprises the steps that a bank server firstly obtains a plurality of loan orders of the current bank server, the bank server determines a current approval processing period according to a current time point, judges whether the loan orders are orders generated in the current approval processing period according to the time point of the generation of the loan orders, if yes, screens out the loan orders to obtain a first number of loan orders, secondly determines a target loan item to be approved currently, and extracts necessary information in the target loan item, wherein the necessary information comprises but is not limited to: loan amount, loan pre-estimated approval duration, and loan period number. And extracting corresponding category information in the first quantity of loan orders according to the extracted necessary information in the target loan items, determining whether the loan amount value in the first quantity of loan orders, the loan pre-estimated approval time length value and the loan period number are consistent with the numerical value or the numerical range in the target loan items, and screening out the consistent orders in the first quantity of loan orders if the loan pre-approval time length value and the loan period number are consistent with the numerical value or the numerical range in the target loan items, so as to obtain the orders aiming at the target loan items in the first quantity of orders.

Therefore, in the example, the present bank-required order can be accurately found through the present approval processing period and the information characteristics of the loan order, so that the search time for the loan order is reduced, and the approval processing efficiency of the bank is improved.

In one possible example, the acquiring a plurality of loan orders, the method includes: receiving a plurality of loan requests from the loan platform server, wherein the loan requests are input by a user through the mobile terminal; extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information; if the user information is verified to be real, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry identifications, acquiring a first label corresponding to the user information, inquiring a second preset corresponding relation, and acquiring a second label corresponding to the loan information, wherein the first preset corresponding relation is the corresponding relation between a user information combination and the label, and the second preset corresponding relation is the corresponding relation between the loan information and the label; inquiring a preset matching relation, if the first label and the second label are mateable labels in the preset matching relation, determining that the loan request passes the audit, wherein the preset matching relation is a matching relation established based on the fund compensation ability value in the user information and the loan amount value in the loan information. And generating a loan order according to the loan request passing the audit.

Wherein the user information may include, but is not limited to: the method comprises the steps of generating a first label corresponding to user information according to user information after a bank server verifies that the user information is true by information such as user gender, age, telephone, mailbox, family members, occupation, work units, salary, credit records and the like. The loan information includes, but is not limited to: loan amount, loan pre-estimated approval duration, and loan period number. The fund compensation further energy value is generated according to salary conditions in the user information, working stability obtained by a working unit and credit record comprehensive evaluation. And if the fund compensation capability value can meet the repayment requirement of the related loan amount in the preset matching relationship, matching the fund compensation capability value and the repayment requirement with the related loan amount, and matching the first label with the second label.

In this example, the bank server firstly verifies the authenticity of the user information, avoids confusion caused by false orders, influences the operation and maintenance of the whole bank, and secondly establishes a corresponding matching relationship, and only after the user is identified to have the repayment capability of the related loan, the loan order is generated, so that the workload of the approval process is fundamentally reduced, and the approval process efficiency of the bank for the loan order is improved.

In one possible example, the adjusting the funding duty cycle of the pending second loan order according to the received loan order, the method comprises: acquiring the fund proportion condition of each loan order in the first loan order; determining the amount of money used by the small credit company in the fund allocation period according to the quantity of the first loan orders and the fund proportion condition of each loan order;

and acquiring a preconfigured fund ratio, and determining the fund ratio of the second loan order in the approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the preconfigured fund ratio, the used amount and the sum threshold of the approval processing period associated with the order quantity monitoring period, wherein the sum threshold is the maximum value which can be reached by the used amount of the small loan company in the fund configuration period after the approval operation of the second loan order to be approved is completed in the approval period associated with the order quantity monitoring period, and the preconfigured fund ratio is associated with the target loan item.

The preset fund ratio is a fund ratio of a bank and a small loan company aiming at a target loan project, which is preset according to the target loan project, and in an approval processing period, whether approval operation of the loan order can be carried out according to the preset fund ratio is judged according to the condition of the to-be-approved loan order, the preset fund ratio and an amount threshold, and if not, the preset fund ratio is updated, then the approval operation of the order is carried out according to the preset fund ratio.

It can be seen that in this example, the bank determines the status of the funds used by the current bank and the small loan company through the first loan order which is currently approved, which is beneficial to evaluate the current status of funds so as to facilitate the next related operation. The fund proportion of the second loan order is flexibly adjusted according to the used fund condition and the set monetary threshold value, the condition that the loan company is used up in the fund configuration period is avoided, more user loan demands are met, the user approval waiting time is reduced, the approval operation of the loan order in the fund configuration period is completed in the current fund configuration period, the approval task amount is balanced, and the approval processing efficiency of banks is accelerated.

In one possible example, the determining the fund ratio of the second loan order within the approval process period associated with the order quantity monitoring period based on the target loan item, the second loan order, the preconfigured fund ratio, the used amount, and an amount threshold of the approval process period associated with the order quantity monitoring period, the method comprising: determining pre-paying funds of an approval period associated with an order quantity monitoring period according to the target loan item, the pre-configured funds duty ratio and the quantity of the second loan orders to be approved, wherein the pre-paying funds are funds which need to be paid by the small loan company according to the pre-configured funds duty ratio in the approval processing period associated with the monitoring period; and comparing the pre-paid amount with available funds, and determining the fund ratio of the second loan order to be approved according to the comparison result, wherein the available funds are the difference value between the amount threshold of the approval processing period associated with the order quantity monitoring period and the used amount.

In this example, the bank server may determine the fund ratio of the second loan order by comparing the pre-paid amount with the available funds, so as to facilitate adjustment of the subsequent fund ratio and improve the processing efficiency of the bank on the loan order.

In one possible example, the determining the fund ratio of the pending second loan order according to the comparison result includes: if the pre-pay amount is less than the available funds, the fund ratio of the second loan order to be approved is the pre-configured fund ratio; and if the pre-pay amount is larger than the current available funds, updating the pre-configured funds duty ratio according to an average amount value and the amount value of the target credit, and determining the funds duty ratio of the second loan order to be approved according to the pre-configured funds duty ratio, wherein the average amount value is the funds value of each order in the second loan order to be approved, and the available funds are evenly distributed to the available funds.

And when the pre-pay amount is larger than the current available funds, the fund ratio of the loan order is required to be adjusted, the current available funds are evenly distributed to each order in the second loan order to obtain an average value, the pre-configured fund ratio is updated by combining the value of the target loan amount, and the updated pre-configured fund ratio of the bank and the small loan company in the second loan order is determined.

In this example, the fund ratio is flexibly adjusted according to the comparison result, so that the fund in the specified time of the small loan company is fully utilized, the waiting time in the loan process of the user is reduced, the use ratio of the bank server in different time periods is balanced, the approval efficiency of the bank for the loan order is improved, and the demand of more users for the loan is met.

Referring to fig. 2, fig. 2 is a flow chart of another method based on flexible configuration of a fund ratio according to an embodiment of the present application, where the method is applied to a bank server, and the method includes steps 201 to 206:

step 201, obtaining a plurality of loan orders;

step 202, selecting a first quantity of loan orders for a target loan amount from the plurality of loan orders;

step 203, selecting a loan order associated with the approval processing period from the first number of loan orders;

step 204, obtaining the fund ratio condition of each loan order in the first loan order;

step 205, determining the amount of money used by the small loan company in the fund allocation period according to the quantity of the first loan orders and the fund ratio condition of each loan order;

Step 206, obtaining a preconfigured fund ratio, and determining the fund ratio of the second loan order in the approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the preconfigured fund ratio, the used amount and the threshold value of the approval processing period associated with the order quantity monitoring period.

It can be seen that, in this embodiment of the present application, the bank server firstly obtains a plurality of loan orders, secondly, screens out a first number of loan orders for the target loan amount from the plurality of loan orders, and secondly, screens out a loan order associated with the approval processing period from the first number of loan orders; secondly, acquiring the fund proportion condition of each loan order in the first loan order; secondly, determining the used amount of the small credit company in the fund configuration period according to the quantity of the first loan orders and the fund proportion condition of each loan order; and finally, determining the fund ratio of the second loan order in the approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the preconfigured fund ratio, the used amount and the amount threshold of the approval processing period associated with the order quantity monitoring period. Therefore, the bank server can dynamically adjust the fund proportion of the loan orders, so that as many loan orders as possible in the current fund allocation period can be subjected to approval operation, the situation that the loan orders of the small loan companies can not be approved due to too much loan can not be paid out because of using a single fund proportion to consume the loan funds in the period too early under the condition that the number of the loan orders is large is avoided, the approval period of the loan orders is prolonged, and the average approval duration in the loan orders of users is reduced, so that the use rate of the bank server in different time periods is balanced, the approval efficiency of the banks on the loan orders is improved, and the demands of more users on the loans are met.

In addition, the bank server can send the loan charge, the loan waiting time, the repayment time and the fund proportion of the second loan order to the mobile terminal through the platform server, and the mobile terminal displays relevant information, so that a user can inquire on an interactive interface as required, and the convenience of data use is improved.

Referring to fig. 3, fig. 3 is a flow chart of another method based on flexible configuration of a fund ratio, which is applied to a bank server and includes steps 301 to 305:

step 301, receiving a plurality of loan requests from the loan platform server, wherein the loan requests are input by a user through the mobile terminal;

step 302, extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information;

step 303, if it is verified that the user information is real, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry identifications, obtaining a first label corresponding to the user information, inquiring a second preset corresponding relation, and obtaining a second label corresponding to the loan information, wherein the first preset corresponding relation is a corresponding relation between a user information combination and a label, and the second preset corresponding relation is a corresponding relation between the loan information and the label;

Step 304, inquiring a preset matching relationship, if the first tag and the second tag are mateable tags in the preset matching relationship, determining that the loan request passes the audit, wherein the preset matching relationship is a matching relationship established based on the fund compensation energy value in the user information and the loan amount value in the loan information;

and step 305, generating a loan order according to the loan request passing the audit.

Step 306, screening the plurality of loan orders for a first number of associated approval processing cycles;

step 307, selecting a loan order for the target loan item from the first number of loan orders;

step 308, obtaining the fund ratio condition of each loan order in the first loan order;

step 309, determining the amount of money used by the small loan company in the fund allocation period according to the number of the first loan orders and the fund ratio of each loan order;

step 310, obtaining a preconfigured fund ratio, and determining a pre-paid fund of an approval period associated with an order quantity monitoring period according to the target loan item, the preconfigured fund ratio and the quantity of the second loan order to be approved, wherein the pre-paid fund is a fund required to be paid by the small loan company according to the preconfigured fund ratio in the approval period associated with the monitoring period;

And 311, comparing the pre-paid amount with the available funds, and determining the fund ratio of the second loan order to be approved according to the comparison result.

It can be seen that in the embodiment of the present application, first, a banking server receives a plurality of loan requests from the loan platform server, where the loan requests are input by a user through the mobile terminal; secondly, extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information; secondly, if the user information is verified to be real, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry marks, acquiring a first label corresponding to the user information, inquiring a second preset corresponding relation, and acquiring a second label corresponding to the loan information, wherein the first preset corresponding relation is the corresponding relation between a user information combination and the label, and the second preset corresponding relation is the corresponding relation between the loan information and the label; secondly, inquiring a preset matching relation, if the first label and the second label are mateable labels in the preset matching relation, determining that the loan request passes the audit, wherein the preset matching relation is a matching relation established based on the fund compensation ability value in the user information and the loan amount value in the loan information; secondly, generating a loan order according to the loan request passing the audit, and secondly, screening a first number of loan orders related to the approval processing period from the plurality of loan orders; secondly, selecting a loan order aiming at the target loan item from the first quantity of loan orders; secondly, acquiring the fund proportion condition of each loan order in the first loan order; secondly, determining the used amount of the small credit company in the fund configuration period according to the quantity of the first loan orders and the fund proportion condition of each loan order; secondly, according to the target loan item, the preconfigured fund proportion and the number of the second loan orders to be examined, determining the preconfigured fund of an examination period associated with an order number monitoring period, wherein the preconfigured fund is the fund which needs to be paid by the small loan company according to the preconfigured fund proportion in the examination period associated with the monitoring period; and finally, comparing the pre-pay amount with the available funds, and determining the fund ratio of the second loan order to be approved according to the comparison result. Therefore, the bank server can dynamically adjust the fund proportion of the loan orders, so that as many loan orders as possible in the current fund allocation period can be subjected to approval operation, the situation that the loan orders of the small loan companies can not be approved due to too much loan can not be paid out because of using a single fund proportion to consume the loan funds in the period too early under the condition that the number of the loan orders is large is avoided, the approval period of the loan orders is prolonged, and the average approval duration in the loan orders of users is reduced, so that the use rate of the bank server in different time periods is balanced, the approval efficiency of the banks on the loan orders is improved, and the demands of more users on the loans are met.

Referring to fig. 4, in accordance with the embodiments shown in fig. 1, fig. 2, and fig. 3, fig. 4 is a schematic structural diagram of a bank server 400 configured flexibly based on a fund ratio according to the embodiment of the present application, as shown in fig. 4, the bank server 400 includes an application processor 410, a memory 420, a communication interface 430, and one or more programs 421, wherein the one or more programs 421 are stored in the memory 420 and are configured to be executed by the processor 410, and the one or more programs 421 include instructions for performing the following steps;

detecting a loan order for a target loan item received in a current fund allocation period in a preconfigured order quantity monitoring period, wherein the fund allocation period refers to a loan period of the small loan company for the target loan item, the order quantity monitoring period is related to an approval processing period in the fund allocation period, the duration of the approval processing period is smaller than that of the fund allocation period, the loan order comprises a first approved loan order and a second loan order to be approved, and the target loan item is commonly loaned by the bank and the small loan company;

Adjusting the fund ratio of the second loan order to be approved according to the received loan orders, wherein the fund ratio refers to the proportion of a first fund and a second fund, the first fund is the fund paid out by the bank in each loan order, and the second fund is the fund paid out by the small loan company in each loan order;

In one possible example, in terms of the detecting that a loan order for a target loan item has been received for the current fund configuration period during the preconfigured order quantity monitoring period, the instructions in the program are specifically for: acquiring a plurality of loan orders; screening a first quantity of loan orders for a target loan amount from the plurality of loan orders; and screening the loan orders related to the approval processing period from the first number of loan orders.

In one possible example, in terms of the detecting that a loan order for a target loan item has been received for the current fund configuration period during the preconfigured order quantity monitoring period, the instructions in the program are specifically for: acquiring a plurality of loan orders; screening a first number of loan orders associated with the approval process period from the plurality of loan orders; and screening the loan orders aiming at the target loan amount from the first quantity of loan orders.

In one possible example, in the acquiring a plurality of loan orders, the instructions in the program are specifically for: receiving a plurality of loan requests from the loan platform server, wherein the loan requests are input by a user through the mobile terminal; extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information; if the user information is verified to be real, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry identifications, acquiring a first label corresponding to the user information, inquiring a second preset corresponding relation, and acquiring a second label corresponding to the loan information, wherein the first preset corresponding relation is the corresponding relation between a user information combination and the label, and the second preset corresponding relation is the corresponding relation between the loan information and the label; inquiring a preset matching relation, if the first label and the second label are mateable labels in the preset matching relation, determining that the loan request passes the audit, wherein the preset matching relation is a matching relation established based on a fund compensation ability value in the user information and a loan amount value in the loan information; and generating a loan order according to the loan request passing the audit.

In one possible example, in terms of said adjusting the funding duty of said pending second loan order according to said received loan order, the instructions in said program are specifically for: acquiring the fund proportion condition of each loan order in the first loan order; determining the amount of money used by the small credit company in the fund allocation period according to the quantity of the first loan orders and the fund proportion condition of each loan order; and acquiring a preconfigured fund ratio, and determining the fund ratio of the second loan order in the approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the preconfigured fund ratio, the used amount and the sum threshold of the approval processing period associated with the order quantity monitoring period, wherein the sum threshold is the maximum value which can be reached by the used amount of the small loan company in the fund configuration period after the approval operation of the second loan order to be approved is completed in the approval period associated with the order quantity monitoring period, and the preconfigured fund ratio is associated with the target loan item.

In one possible example, in said determining a fund ratio of said second loan order within an approval process period associated with said order quantity monitoring period based on said target loan item, said second loan order, said preconfigured fund ratio, said used amount, and an amount threshold of said approval process period associated with said order quantity monitoring period, said instructions in said program are specifically for: determining pre-paying funds of an approval period associated with an order quantity monitoring period according to the target loan item, the pre-configured funds duty ratio and the quantity of the second loan orders to be approved, wherein the pre-paying funds are funds which need to be paid by the small loan company according to the pre-configured funds duty ratio in the approval processing period associated with the monitoring period; and comparing the pre-paid amount with available funds, and determining the fund ratio of the second loan order to be approved according to the comparison result, wherein the available funds are the difference value between the amount threshold of the approval processing period associated with the order quantity monitoring period and the used amount.

In one possible example, in terms of the determining the fund ratio of the pending second loan order based on the comparison, the instructions in the program are specifically for: if the pre-pay amount is less than the available funds, the fund ratio of the second loan order to be approved is the pre-configured fund ratio; and if the pre-pay amount is larger than the current available funds, updating the pre-configured funds duty ratio according to an average amount value and the amount value of the target credit, and determining the funds duty ratio of the second loan order to be approved according to the pre-configured funds duty ratio, wherein the average amount value is the funds value of each order in the second loan order to be approved, and the available funds are evenly distributed to the available funds.

Referring to fig. 5, fig. 5 shows a block diagram of one possible functional unit of the bank server 500 according to the method of flexible configuration of the fund ratio according to the above embodiment, where the bank server 500 includes an obtaining unit 510, a verifying unit 520, a determining unit 530, an approving unit 540;

an obtaining unit 510 for obtaining a loan order for a target loan item that has been received in the current fund allocation period;

A verification unit 520 for verifying user information in the loan order;

a determining unit 530 for determining a fund ratio of the bank and the small loan company for the loan order in the fund allocation period;

and the approval unit 540 is configured to perform approval operation on the loan order after determining the fund ratio of the loan order.

In one possible example, in detecting that a loan order for a target loan item has been received for the current fund configuration period during a preconfigured order quantity monitoring period, the obtaining unit 510 is configured to: acquiring a plurality of loan orders; screening a first quantity of loan orders for a target loan amount from the plurality of loan orders; and screening the loan orders related to the approval processing period from the first number of loan orders.

In one possible example, in detecting that a loan order for a target loan item has been received for the current fund configuration period during a preconfigured order quantity monitoring period, the obtaining unit 510 is configured to: acquiring a plurality of loan orders; screening a first number of loan orders associated with the approval process period from the plurality of loan orders; and screening the loan orders aiming at the target loan amount from the first quantity of loan orders.

In one possible example, in terms of the acquiring a plurality of loan orders, the verification unit 520 is configured to: receiving a plurality of loan requests from the loan platform server, wherein the loan requests are input by a user through the mobile terminal; extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information; if the user information is verified to be real, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry identifications, acquiring a first label corresponding to the user information, inquiring a second preset corresponding relation, and acquiring a second label corresponding to the loan information, wherein the first preset corresponding relation is the corresponding relation between a user information combination and the label, and the second preset corresponding relation is the corresponding relation between the loan information and the label; inquiring a preset matching relation, if the first label and the second label are mateable labels in the preset matching relation, determining that the loan request passes the audit, wherein the preset matching relation is a matching relation established based on a fund compensation ability value in the user information and a loan amount value in the loan information; and generating a loan order according to the loan request passing the audit.

In one possible example, the determining unit 530 is configured to: acquiring the fund proportion condition of each loan order in the first loan order; determining the amount of money used by the small credit company in the fund allocation period according to the quantity of the first loan orders and the fund proportion condition of each loan order; and acquiring a preconfigured fund ratio, and determining the fund ratio of the second loan order in the approval processing period associated with the order quantity monitoring period according to the target loan item, the second loan order, the preconfigured fund ratio, the used amount and the sum threshold of the approval processing period associated with the order quantity monitoring period, wherein the sum threshold is the maximum value which can be reached by the used amount of the small loan company in the fund configuration period after the approval operation of the second loan order to be approved is completed in the approval period associated with the order quantity monitoring period, and the preconfigured fund ratio is associated with the target loan item.

In one possible example, the determining unit 530 is configured to, in terms of the amount threshold according to the target loan item, the second loan order, the preconfigured funds duty, the used amount, and the approval processing period associated with the order quantity monitoring period, determine the funds duty of the second loan order within the approval processing period associated with the order quantity monitoring period: determining pre-paying funds of an approval period associated with an order quantity monitoring period according to the target loan item, the pre-configured funds duty ratio and the quantity of the second loan orders to be approved, wherein the pre-paying funds are funds which need to be paid by the small loan company according to the pre-configured funds duty ratio in the approval processing period associated with the monitoring period; and comparing the pre-paid amount with available funds, and determining the fund ratio of the second loan order to be approved according to the comparison result, wherein the available funds are the difference value between the amount threshold of the approval processing period associated with the order quantity monitoring period and the used amount.

In one possible example, the determining unit 530 is configured to: if the pre-pay amount is less than the available funds, the fund ratio of the second loan order to be approved is the pre-configured fund ratio; and if the pre-pay amount is larger than the current available funds, updating the pre-configured funds duty ratio according to an average amount value and the amount value of the target credit, and determining the funds duty ratio of the second loan order to be approved according to the pre-configured funds duty ratio, wherein the average amount value is the funds value of each order in the second loan order to be approved, and the available funds are evenly distributed to the available funds.

In one possible example, in terms of the determining the fund ratio of the second loan order to be approved according to the comparison result, the approval unit 540 is configured to: and approving the loan order with the user information meeting the conditions according to the adjusted fund ratio.

The embodiment of the application also provides a computer storage medium, wherein the computer storage medium stores a computer program for electronic data exchange, and the computer program makes a computer execute part or all of the steps of any one of the above method embodiments, and the computer includes a mobile terminal.

Embodiments of the present application also provide a computer program product comprising a non-transitory computer-readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps of any one of the methods described in the method embodiments above. The computer program product may be a software installation package, said computer comprising a mobile terminal.

It should be noted that, for simplicity of description, the foregoing method embodiments are all expressed as a series of action combinations, but it should be understood by those skilled in the art that the present application is not limited by the order of actions described, as some steps may be performed in other order or simultaneously in accordance with the present application. Further, those skilled in the art will also appreciate that the embodiments described in the specification are all preferred embodiments, and that the acts and modules referred to are not necessarily required in the present application.

In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to related descriptions of other embodiments.

In the several embodiments provided in this application, it should be understood that the disclosed apparatus may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, such as the above-described division of units, merely a division of logic functions, and there may be additional manners of dividing in actual implementation, such as multiple units or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, or may be in electrical or other forms.

The units described above as separate components may or may not be physically separate, and components shown as units may or may not be physical units, may be located in one place, or may be distributed over a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in each embodiment of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.

The integrated units described above, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable memory. Based on such understanding, the technical solution of the present application may be embodied in essence or a part contributing to the prior art or all or part of the technical solution in the form of a software product stored in a memory, including several instructions for causing a computer device (which may be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the above-mentioned method of the various embodiments of the present application. And the aforementioned memory includes: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.

Those of ordinary skill in the art will appreciate that all or a portion of the steps in the various methods of the above embodiments may be implemented by a program that instructs associated hardware, and the program may be stored in a computer readable memory, which may include: flash disk, read-Only Memory (ROM), random access Memory (Random Access Memory, RAM), magnetic disk or optical disk.

The foregoing has outlined rather broadly the more detailed description of embodiments of the present application, wherein specific examples are provided herein to illustrate the principles and embodiments of the present application, the above examples being provided solely to assist in the understanding of the methods of the present application and the core ideas thereof; meanwhile, as those skilled in the art will have modifications in the specific embodiments and application scope in accordance with the ideas of the present application, the present description should not be construed as limiting the present application in view of the above.

Claims

1. The method based on flexible configuration of fund duty ratio is characterized by being applied to a bank server, wherein the bank server is in communication connection with a loan platform server and a small loan company server, and the platform server is in communication connection with a mobile terminal through a loan client, and the method comprises the following steps:

adjusting the fund ratio of the second loan order to be approved according to the received loan order, comprising: acquiring the fund proportion condition of each loan order in the first loan order; determining the amount of money used by the small credit company in the fund allocation period according to the quantity of the first loan orders and the fund proportion condition of each loan order; acquiring a preconfigured fund proportion, and determining a preconfigured fund of an approval period associated with an order quantity monitoring period according to the target loan item, the preconfigured fund proportion and the quantity of the second loan orders to be approved, wherein the preconfigured fund is a fund which needs to be paid by the small loan company according to the preconfigured fund proportion in the approval period associated with the monitoring period;

Comparing the pre-paid funds with available funds, and if the pre-paid funds are smaller than the available funds, determining that the funds of the second loan order to be approved are the pre-configured funds;

if the pre-paid funds are greater than the available funds, updating the pre-configured funds duty according to an average value of funds which are the value of funds of each order in the second loan order to be approved, and the value of the target loan item, determining the funds duty of the second loan order to be approved according to the pre-configured funds duty, wherein the average value of funds is the value of funds of each order in the second loan order to be approved, the available funds are the difference between the value of the threshold of the approval process period associated with the order quantity monitoring period and the used value, the pre-configured funds duty is related to the target loan item, the value of the threshold of funds is the maximum value which can be reached by the small loan company in the value configuration period after the approval operation of the second loan order to be approved is completed in the approval period associated with the order quantity monitoring period,

the fund ratio refers to the proportion of a first fund and a second fund, wherein the first fund is the fund paid out by the bank in each loan order, and the second fund is the fund paid out by the small loan company in each loan order;

2. The method of claim 1, wherein the detecting a loan order for a target loan item, received for a current fund configuration period, during a preconfigured order quantity monitoring period, comprises:

acquiring a plurality of loan orders;

screening a first quantity of loan orders for a target loan amount from the plurality of loan orders;

and screening the loan orders related to the approval processing period from the first number of loan orders.

3. The method of claim 1, wherein the detecting a loan order for a target loan item, received for a current fund configuration period, during a preconfigured order quantity monitoring period, comprises:

acquiring a plurality of loan orders;

screening a first number of loan orders associated with the approval process period from the plurality of loan orders;

and screening the loan orders aiming at the target loan amount from the first quantity of loan orders.

4. A method according to claim 2 or 3, wherein the acquiring a plurality of loan orders comprises:

Receiving a plurality of loan requests from the loan platform server, wherein the loan requests are input by a user through the mobile terminal;

extracting user information and loan information in each loan request in the plurality of loan requests, and verifying the authenticity of the user information;

if the user information is verified to be real, inquiring a first preset corresponding relation by taking the user information and the loan information as inquiry identifications, acquiring a first label corresponding to the user information, inquiring a second preset corresponding relation, and acquiring a second label corresponding to the loan information, wherein the first preset corresponding relation is the corresponding relation between a user information combination and the label, and the second preset corresponding relation is the corresponding relation between the loan information and the label;

inquiring a preset matching relation, if the first label and the second label are mateable labels in the preset matching relation, determining that the loan request passes the audit, wherein the preset matching relation is a matching relation established based on a fund compensation ability value in the user information and a loan amount value in the loan information;

and generating a loan order according to the loan request passing the audit.

5. A banking server, comprising:

an obtaining unit, configured to detect, in a preconfigured order quantity monitoring period, a loan order for a target loan item that has been received in a current fund allocation period, where the fund allocation period is a loan period for a small loan company for a target loan item, the order quantity monitoring period is associated with an approval processing period in the fund allocation period, and a duration of the approval processing period is less than a duration of the fund allocation period, and the loan order includes a first loan order that has been approved and a second loan order that has been approved, where the target loan item is commonly loaned by the bank and the small loan company;

a verification unit configured to verify user information in the loan order;

a determining unit, configured to adjust a fund ratio of the second loan order to be approved according to the received loan order, including: acquiring the fund proportion condition of each loan order in the first loan order; determining the amount of money used by the small credit company in the fund allocation period according to the quantity of the first loan orders and the fund proportion condition of each loan order; acquiring a preconfigured fund proportion, and determining a preconfigured fund of an approval period associated with an order quantity monitoring period according to the target loan item, the preconfigured fund proportion and the quantity of the second loan orders to be approved, wherein the preconfigured fund is a fund which needs to be paid by the small loan company according to the preconfigured fund proportion in the approval period associated with the monitoring period;

And the approval unit is used for completing the approval operation of the second loan order to be approved in the approval processing period corresponding to the preset order quantity monitoring period.

6. A banking server comprising an application processor, a memory, a communication interface, and one or more programs stored in the memory and configured to be executed by the application processor, the programs comprising instructions for performing the steps in the method of any of claims 1-4.

7. A computer-readable storage medium, characterized in that a computer program for electronic data exchange is stored, wherein the computer program causes a computer to perform the method according to any of claims 1-4.