CN110175910A - Handle the method, apparatus and electronic equipment of credit service request - Google Patents
Handle the method, apparatus and electronic equipment of credit service request Download PDFInfo
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- CN110175910A CN110175910A CN201910470060.2A CN201910470060A CN110175910A CN 110175910 A CN110175910 A CN 110175910A CN 201910470060 A CN201910470060 A CN 201910470060A CN 110175910 A CN110175910 A CN 110175910A
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- credit
- product
- amount
- target enterprise
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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 embodiment of the present application discloses a kind of method, apparatus and electronic equipment for handling credit service request, this method comprises: the credit service request based on Target Enterprise, obtains at least one credit consuming product of the Target Enterprise；Anchoring spending amount based on each credit consuming product at least one described credit consuming product and agreement fulfillment rate is estimated, determines the credit assessment amount of the Target Enterprise；Amount is assessed based on the credit service request and the credit, provides credit service for the Target Enterprise.
Description
Technical field
This application involves financial financing field, relate more specifically to the method, apparatus and electronics that handle credit service request
Equipment.
Background technique
Credit contract refers to that user, for guarantee, is made foundation consumption contract to businessman, obtain trade company with the credit of he or she
The equity of offer, while itself needs to complete the consumption of consumption contractual requirement.Using credit value as assuring, can replace one
Guarantee fund and guaranty are served as using the general universal equivalent mode such as currency, marketable securities or material object in a little original fields
Mode.
There is certain demand in trade company during self-growth is grown, to fund loan financing etc., for being closed using credit
Trade company about, since credit contract locks the performance for constraining user to contract by way of credit value, these
Credit contract can analogize to the futures contract that user authorizes trade company in financial scenario, the attribute with class marketable securities
Feature can be used to assess the amount of the loan financing of trade company.
But lacks the method that valuation is carried out to the credit contract of trade company at present, cause trade company that can only fill using universal equivalent
When the mode of guarantee fund and guaranty is financed, the higher cost of financing, and it is slower to the response speed of credit service request.
Therefore, it is necessary to a kind of methods for handling credit service request, to overcome above-mentioned technical problem.
Summary of the invention
The first purpose of the application is to provide a kind of method for handling credit service request, to solve using general of equal value
Object serves as guarantee fund and the mode of guaranty is financed, and leads to the higher cost of financing, and the sound to credit service request
Answer slow-footed problem.
In order to solve the above technical problems, the embodiment of the present application is achieved in that
In a first aspect, providing a kind of method for handling credit service request, comprising:
Credit service request based on Target Enterprise obtains at least one credit consuming product of the Target Enterprise；
Anchoring spending amount based on each credit consuming product at least one described credit consuming product and estimating is honoured an agreement
Rate determines the credit assessment amount of the Target Enterprise；
Amount is assessed based on the credit service request and the credit, provides credit service for the Target Enterprise.
Second aspect provides a kind of device for handling credit service request, comprising:
Acquiring unit, the credit service request based on Target Enterprise, at least one credit for obtaining the Target Enterprise disappear
Take product；
Processing unit, anchoring spending amount based on each credit consuming product at least one described credit consuming product and
Agreement fulfillment rate is estimated, determines the credit assessment amount of the Target Enterprise；
The processing unit is assessed amount based on the credit service request and the credit, is mentioned for the Target Enterprise
For credit service.
The third aspect provides a kind of electronic equipment, comprising:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction uses described when executed
Processor executes following operation:
Credit service request based on Target Enterprise obtains at least one credit consuming product of the Target Enterprise；
Anchoring spending amount based on each credit consuming product at least one described credit consuming product and estimating is honoured an agreement
Rate determines the credit assessment amount of the Target Enterprise；
Amount is assessed based on the credit service request and the credit, provides credit service for the Target Enterprise.
Fourth aspect provides a kind of computer-readable medium, the computer-readable medium storage one or more journey
Sequence, one or more of programs when by include multiple application programs electronic equipment execute when so that electronic equipment execute with
Lower operation:
Credit service request based on Target Enterprise obtains at least one credit consuming product of the Target Enterprise；
Anchoring spending amount based on each credit consuming product at least one described credit consuming product and estimating is honoured an agreement
Rate determines the credit assessment amount of the Target Enterprise；
Amount is assessed based on the credit service request and the credit, provides credit service for the Target Enterprise.
By the technical solution of above the application as it can be seen that the method for the processing credit service request of the embodiment of the present application, is based on
The credit service request of Target Enterprise is obtained at least one credit consuming product of Target Enterprise, and is produced based on credit consuming
The anchoring spending amount of product and agreement fulfillment rate is estimated, determines the credit assessment amount of Target Enterprise, be based on credit service request later
Amount is assessed with credit, Target Enterprise is embodied as and credit service is provided.Guarantee is served as using universal equivalent therefore without enterprise
The mode of gold and guaranty is financed, and the cost of financing is reduced.And determine that amount is assessed in credit by credit consuming product
Implementation it is more simple, can be improved the response speed of credit service request.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The some embodiments recorded in application, for those of ordinary skill in the art, in the premise of not making the creative labor property
Under, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is an application scenario diagram of the embodiment of the present application.
Fig. 2 is the schematic flow chart according to the method for the processing credit service request of one embodiment of the application.
Fig. 3 is another schematic flow according to the method for the processing credit service request of one embodiment of the application
Figure.
Fig. 4 is the schematic flow chart according to the method for the processing credit service request of one specific embodiment of the application.
Fig. 5 is the structural schematic diagram according to the electronic equipment of one embodiment of the application.
Fig. 6 is the structural schematic diagram according to the device of the processing credit service request of one embodiment of the application.
Specific embodiment
In order to make those skilled in the art better understand the technical solutions in the application, below in conjunction with the application reality
The attached drawing in example is applied, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described implementation
Example is merely a part but not all of the embodiments of the present application.Based on the embodiment in the application, this field is common
The application protection all should belong in technical staff's every other embodiment obtained without creative efforts
Range.
One application scenario diagram of Fig. 1 the embodiment of the present application.As illustrated in FIG. 1, enterprise grows process in self-growth
In, there is certain demand to fund loan financing etc., it is therefore desirable to award to financial institution server transmission by enterprise client
Telecommunications services request carries out application financing.At present enterprise need to financial institution provide universal equivalent serve as financing guarantee fund and
Guaranty leads to the higher cost of financing, and lower to the response speed of credit service request.
In order to solve the above-mentioned technical problem, the embodiment of the present application provides a kind of method for handling credit service request, energy
Enough credit consuming products based on enterprise provide credit service for enterprise, so that financing is served as without using universal equivalent by enterprise
Guarantee fund and guaranty, reduce the finance costs of enterprise, and improve the response speed to credit service request.
Below in conjunction with specific embodiment, the method for describing the processing credit service request of the embodiment of the present application.
Fig. 2 shows the methods of the processing credit service request of the application one embodiment.The method of Fig. 2 can be by handling
The device of credit service request executes.As illustrated in FIG. 2, method includes:
S102, the credit service request based on Target Enterprise, at least one credit consuming for obtaining the Target Enterprise produce
Product.
It is understood that the Target Enterprise in S102 also can be described as target trade company.Credit consuming product can be
Credit contract between Target Enterprise and user.The target credit contract signed between Target Enterprise and user is actually user
Using the credit of he or she as guarantee, with Target Enterprise establish consumption agreement, obtain Target Enterprise provide equity while from
Body needs to complete the anchoring spending amount of credit contract.
S104, anchoring spending amount based on each credit consuming product at least one credit consuming product and estimating are honoured an agreement
Rate determines the credit assessment amount of Target Enterprise.
Optionally, in some embodiments, the quantity of at least one credit consuming product is multiple, corresponding, S104
It specifically includes: anchoring spending amount based on each credit consuming product and estimating agreement fulfillment rate, determine that each credit consuming product is corresponding
Credit assess amount；Based on the sum of the corresponding credit assessment amount of each credit consuming product, determine that the credit of Target Enterprise is commented
Estimate amount.Here the anchoring spending amount of each credit consuming product can be understood as what each consumer products requirement user needed to complete
Spending amount.
As an example, the corresponding user of any two credit consuming product is different in multiple credit consuming products.With
Credit consuming product is for credit contract, the corresponding user of any two target credit contract in multiple credit contracts is not
Together.Or it is to be understood that each user and enterprise can only have the credit contract of an activation.
The above-mentioned anchoring spending amount based on each credit consuming product and agreement fulfillment rate is estimated, determines each credit consuming product pair
The credit assessment amount answered, may include: by the anchoring spending amount of each credit consuming product and the product for estimating agreement fulfillment rate, really
It is set to the corresponding credit assessment amount of each credit consuming product.
For example, credit and about 1 are established between enterprise 1 and user 1, user and Yue 1 anchoring spending amount are Y, letter
It is r% with the agreement fulfillment rate of estimating with about 1, it is determined that amount S=Y*r% is assessed in credit and about 1 corresponding credit.
It is understood that for convenience of calculation, it, can before determining the corresponding credit assessment amount of credit consuming product
The anchoring spending amount of credit consuming product is normalized according to preset rules with elder generation, later obtains normalized
To numerical value with estimate the product of agreement fulfillment rate, be determined as the corresponding credit assessment amount of credit consuming product, the embodiment of the present application
The normalized mode of spending amount is not construed as limiting.
Agreement fulfillment rate is estimated it is possible to further determine each credit consuming product according to target component；Goal ginseng
Number includes at least one of following parameter: contract period of credit consuming product, credit consuming product anchoring spending amount,
The residual amount of credit consuming product, the credit rating of the user of credit consuming product, credit consuming product user history
Agreement fulfillment rate and industry are averaged agreement fulfillment rate.
Determine credit consuming product estimate agreement fulfillment rate before, the contract of history credit consuming product can be had previously been based on
Period, the anchoring spending amount of history credit consuming product, the residual amount of history credit consuming product, history credit consuming produce
Credit rating, the history agreement fulfillment rate of the user of history credit consuming product and the industry of the user of product is averaged in agreement fulfillment rate at least
The practical agreement fulfillment rate of one and history credit consuming product, establishes agreement fulfillment rate prediction model, is determining credit consuming product
When estimating agreement fulfillment rate, the relevant parameter of credit consuming product is inputted into agreement fulfillment rate prediction model, estimates mould by running agreement fulfillment rate
Type can export credit consumer products estimate agreement fulfillment rate.
Alternatively, the contract period of credit consuming product, the anchoring spending amount of credit consuming product, letter can be established in advance
With the residual amount of consumer products, the credit rating of the user of credit consuming product, credit consuming product user history carry out
The about corresponding relationship of rate and industry agreement fulfillment rate and credit consuming product estimated between agreement fulfillment rate is determining credit consuming product
When estimating agreement fulfillment rate, based on the relevant parameter of credit consuming product and the corresponding relationship, can determine credit consuming product
Estimate agreement fulfillment rate.
For example, can establish above-mentioned corresponding relationship based on following rule: the contract period is shorter, and it is bigger to estimate agreement fulfillment rate；Letter
It is lower with the anchoring spending amount of consumer products, it is bigger to estimate agreement fulfillment rate；The residual amount of credit consuming product is smaller, estimates shoe
About rate is bigger；The credit rating of the user of credit consuming product is higher, and it is bigger to estimate agreement fulfillment rate；The user's of credit consuming product goes through
History agreement fulfillment rate is higher, and it is bigger to estimate agreement fulfillment rate；And industry agreement fulfillment rate is bigger, and it is bigger to estimate agreement fulfillment rate.
It should be noted that the credit rating of the user of credit consuming product can be credit grade, it is also possible to credit value,
The embodiment of the present application is not construed as limiting this.
The above-mentioned sum based on the corresponding credit assessment amount of each credit consuming product determines the credit assessment volume of Target Enterprise
Degree can be the credit that the sum of the corresponding credit assessment amount of each credit consuming product is determined as Target Enterprise assessing amount.
For example, credit consuming product includes credit consuming product 1, credit consuming product 2 and credit consuming product 3, credit consuming
It is S1 that amount is assessed in the corresponding credit of product 1, and it is S2, credit consuming product 3 that amount is assessed in the corresponding credit of credit consuming product 2
Corresponding credit assessment amount is S3, it is determined that the credit assessment amount of Target Enterprise is S=S1+S2+S3.S106, based on awarding
Amount is assessed in telecommunications services request and credit, provides credit service for Target Enterprise.
In S106, if the requested loan limit of credit service request is less than the corresponding loan value of credit assessment amount
Degree then directly provides the financial service of the requested loan limit of credit service request for Target Enterprise.If credit service is asked
It asks requested loan limit to be greater than the corresponding loan limit of credit assessment amount, then provides credit for Target Enterprise and assess amount
The financial service of corresponding loan limit.
When determining loan limit based on credit assessment amount, can establish between credit assessment amount and loan limit
Mapping relations assess amount and above-mentioned according to the credit of Target Enterprise after amount is assessed in the credit for determining Target Enterprise
Mapping relations, it can the loan limit provided for Target Enterprise is provided, and then is enterprise's service of offering a loan.Or
Person can establish the mapping relations in credit assessment amount section and loan limit, assess volume in the credit for determining Target Enterprise
After degree, determine that the credit assessment amount of Target Enterprise is located at that credit assessment amount section, and amount area is assessed into the credit
Between corresponding loan limit be determined as the loan limit of Target Enterprise, and then mentioned based on the loan limit determined for Target Enterprise
For financial service.
On the basis of above-mentioned all embodiments, before S102, at least one credit consuming product is not labeled as
Mortgage product, after S106, as illustrated in FIG. 3, method shown in Fig. 2 further include:
At least one credit consuming product labelling is mortgage product, is marked as the credit of mortgage product by S108
Consumer products are consequently not used for determining the credit assessment amount of Target Enterprise.
Or it is to be understood that can the credit consuming product to Target Enterprise carry out staged valuation, each target
It, can only be using being not labeled as mortgage product when amount is assessed in the credit for determining Target Enterprise when enterprise needs to finance
Credit consuming product, and determining that the credit of Target Enterprise is commented according to the credit consuming product for being not labeled as mortgage product
After estimating amount, by this part be not labeled as mortgage product credit consuming product labelling be mortgage product (or reason
Solution is to be freezed).Thus, it is possible to which Target Enterprise is avoided to be melted by a set of credit consuming product to multiple financial institutions
Money.
For example, credit contract has been signed between enterprise 1 and 30 user, 1 day 2 months -28 in this 30 credit contracts
End of day is overdue 20, a1-a20 is respectively labeled as, overdue 10 after March 1.If enterprise provides a loan from January,
The loan phase can then determine that amount is assessed in the credit of enterprise 1 to 2 months according to the credit contract labeled as a1-a20, and be based on
The credit assessment amount of determining enterprise 1 determines the loan limit of enterprise 1, is later that enterprise 1 mentions based on determining loan limit
For financial service.Further, by labeled as the credit contract of a1-a20, labeled as pignorative contract, enterprise 1 is subsequent to carry out
When loan, amount is assessed into the credit that cannot be used to determine enterprise 1 again labeled as the credit contract of a1-a20, i.e., cannot be used to
Determine the loan limit of enterprise 1.
In some embodiments, method shown in Fig. 2 is executed by credit contract administration server, then in S106, is based on institute
Credit service request and credit assessment amount are stated, provides credit service for Target Enterprise, comprising: associated to Target Enterprise
Financial institution server sends credit service request and amount is assessed in credit, in order to which financial institution server is based on credit service
Request and credit assess amount and provide credit service for Target Enterprise.
Alternatively, method shown in Fig. 2 is executed by financial institution server, financial institution server is added to main block chain
In side chain, at least one credit consuming product is obtained from main block chain, and by being based at least one in method shown in Fig. 2
The anchorage spending amount of each credit consuming product and agreement fulfillment rate is estimated in credit consuming product, determines the credit assessment of Target Enterprise
Amount.(can specifically be realized by running the corresponding block chain program of method shown in Fig. 2).
Fig. 4 is the schematic flow chart according to the method for the processing credit request of one specific embodiment of the application.In Fig. 4
It is described so that credit consuming product is credit consuming contract as an example.As illustrated in FIG. 4, letter of the trade company between foundation and user
After contract, the relevant information of credit contract is uploaded to credit contract administration platform, credit contract administration platform can be right
Credit contract is managed, and acquires and analyze the related data of credit contract, is determined using the method for the embodiment of the present application
Amount is assessed in the credit of trade company out.The credit of trade company is assessed the corresponding expected revenue exhibition of amount by the platform of credit contract administration later
Show to trade company, allows trade company to be based on expected revenue and apply financing to financial institution.Financial institution accepts the financing Shen of trade company
Please after, inform that credit contract administration platform has accepted the financing application of trade company, so that the credit of evaluated mistake is closed by trade company
About (or being interpreted as the credit contract mortgaged) is marked or freezes, and credit contract administration platform label or frozen credit are closed
After about, financial institution is informed, so that financial institution successfully accepts the financing application of trade company, to provide credit clothes for trade company
Business.
Below in conjunction with Fig. 5 detailed description according to the electronic equipment of the application one embodiment.With reference to Fig. 5, in hardware layer
Face, electronic equipment include processor, optionally, including internal bus, network interface, memory.Wherein, memory may include
Memory, such as high-speed random access memory (Random-Access Memory, RAM), it is also possible to further include non-volatile deposit
Reservoir (non-volatile memory), for example, at least 1 magnetic disk storage etc..Certainly, which is also possible that it
Hardware required for his business.
Processor, network interface and memory can be connected with each other by internal bus, which can be industry
Standard architecture (Industry Standard Architecture, ISA) bus, Peripheral Component Interconnect standard
(Peripheral Component Interconnect, PCI) bus or expanding the industrial standard structure (Extended
Industry Standard Architecture, EISA) bus etc..The bus can be divided into address bus, data/address bus,
Control bus etc..Only to be indicated with a four-headed arrow in Fig. 5, it is not intended that an only bus or one kind convenient for indicating
The bus of type.
Memory, for storing program.Specifically, program may include program code, and said program code includes calculating
Machine operational order.Memory may include memory and nonvolatile memory, and provide instruction and data to processor.
Processor is from the then operation into memory of corresponding computer program is read in nonvolatile memory, in logical layer
The device of processing credit service request is formed on face.Processor executes the program stored of memory, and be specifically used for executing with
Lower operation:
Credit service request based on Target Enterprise obtains at least one credit consuming product of the Target Enterprise；
Anchoring spending amount based on each credit consuming product at least one described credit consuming product and estimating is honoured an agreement
Rate determines the credit assessment amount of the Target Enterprise；
Amount is assessed based on the credit service request and the credit, provides credit service for the Target Enterprise.
The side that the above-mentioned device by processing credit service request as disclosed in the application Fig. 2 and embodiment illustrated in fig. 3 executes
Method can be applied in processor, or be realized by processor.Processor may be a kind of IC chip, with signal
Processing capacity.During realization, each step of the above method can by the integrated logic circuit of the hardware in processor or
The instruction of person's software form is completed.Above-mentioned processor can be general processor, including central processing unit (Central
Processing Unit, CPU), network processing unit (Network Processor, NP) etc.；It can also be Digital Signal Processing
Device (Digital Signal Processor, DSP), specific integrated circuit (Application Specific Integrated
Circuit, ASIC), field programmable gate array (Field Programmable Gate Array, FPGA) or other can
Programmed logic device, discrete gate or transistor logic, discrete hardware components.It may be implemented or execute the application implementation
Disclosed each method, step and logic diagram in example.General processor can be microprocessor or the processor can also be with
It is any conventional processor etc..The step of method in conjunction with disclosed in the embodiment of the present application, can be embodied directly in hardware decoding
Processor executes completion, or in decoding processor hardware and software module combination execute completion.Software module can position
In random access memory, flash memory, read-only memory, programmable read only memory or electrically erasable programmable memory, register
In the storage medium of equal this fields maturation.The storage medium is located at memory, and processor reads the information in memory, in conjunction with it
Hardware completes the step of above method.
Certainly, other than software realization mode, other implementations are not precluded in the electronic equipment of the application, for example patrol
Collect device or the mode of software and hardware combining etc., that is to say, that the executing subject of following process flow is not limited to each patrol
Unit is collected, hardware or logical device are also possible to.
The embodiment of the present application also proposed a kind of computer readable storage medium, the computer-readable recording medium storage one
A or multiple programs, the one or more program include instruction, which holds when by the electronic equipment including multiple application programs
When row, the method that the electronic equipment can be made to execute Fig. 2 and embodiment illustrated in fig. 3, and be specifically used for executing following methods:
Credit service request based on Target Enterprise obtains at least one credit consuming product of the Target Enterprise；
Anchoring spending amount based on each credit consuming product at least one described credit consuming product and estimating is honoured an agreement
Rate determines the credit assessment amount of the Target Enterprise；
Amount is assessed based on the credit service request and the credit, provides credit service for the Target Enterprise.
Fig. 6 is the structural schematic diagram of the device of the processing credit service request of one embodiment of the application.Please refer to figure
6, in a kind of Software Implementation, device 600 can include: acquiring unit 61 and processing unit 62, wherein
Acquiring unit 61, the credit service request based on Target Enterprise obtain at least one credit of the Target Enterprise
Consumer products；
Processing unit 62, the anchoring spending amount based on each credit consuming product at least one described credit consuming product
With estimate agreement fulfillment rate, determine the Target Enterprise credit assessment amount；
The processing unit 62 assesses amount based on the credit service request and the credit, is the Target Enterprise
Credit service is provided.
The device of the processing credit service request of the embodiment of the present application, the credit service request based on Target Enterprise obtain
At least one credit consuming product of Target Enterprise, and the anchoring spending amount based on a credit consuming product and estimating is honoured an agreement
Rate determines the credit assessment amount of Target Enterprise, assesses amount based on credit service request and credit later, be embodied as target enterprise
Industry provides credit service.It finances, drops in such a way that universal equivalent serves as guarantee fund and guaranty therefore without enterprise
The cost of low financing.And it determines that the implementation of credit assessment amount is more simple by credit consuming product, can be improved
The response speed of credit request.
Optionally, as one embodiment, the quantity of at least one credit consuming product is a to say；
Wherein, processing unit 62:
Anchoring spending amount based on each credit consuming product and agreement fulfillment rate is estimated, determines that each credit consuming product is corresponding
Amount is assessed in credit；
Based on the sum of the corresponding credit assessment amount of each credit consuming product, the credit assessment volume of the Target Enterprise is determined
Degree.
Optionally, as one embodiment, any two credit consuming product is corresponding in the multiple credit consuming product
User it is different.
Optionally, as one embodiment, at least one credit consuming of Target Enterprise is obtained in the acquiring unit 61
Before product, at least one described credit consuming product is not labeled as mortgage product；
Wherein, after processing unit 62 determines the credit assessment amount of the Target Enterprise, processing unit 62:
It is that mortgage product, the credit for being marked as mortgage product disappear by least one described credit consuming product labelling
Expense product is consequently not used for determining the credit assessment amount of the Target Enterprise.
Optionally, as one embodiment, processing unit 62:
By the anchoring spending amount of each credit consuming product and the product for estimating agreement fulfillment rate, it is determined as each credit consuming product
Amount is assessed in corresponding credit.
Optionally, as one embodiment, processing unit 62:
Agreement fulfillment rate is estimated according to what target component determined each credit consuming product；
Wherein, the target component includes at least one of following parameter: the contract period of credit consuming product, credit
Anchoring spending amount, the residual amount of credit consuming product, the credit rating of the user of credit consuming product, credit of consumer products
The history agreement fulfillment rate and industry of the user of consumer products is averaged agreement fulfillment rate.
Optionally, as one embodiment, device 600 is arranged on credit contract administration server, processing unit 62:
It is commented to the associated financial institution server transmission credit service request of the Target Enterprise and the credit
Estimate amount, is the mesh in order to which the financial institution server is based on the credit service request and credit assessment amount
It marks enterprise and credit service is provided.
Optionally, as one embodiment, device 600 is arranged on financial institution server, acquiring unit 61:
At least one described credit consuming product is obtained from main block chain, the financial institution server is the primary area
Node in the side chain of block chain, the main block chain are used to store the credit consuming product of enterprise.
The device of the processing credit service request of the embodiment of the present application can also carry out the processing credit service in Fig. 2 and Fig. 3
The method that the device of request executes, and realize function of the device in Fig. 2 and embodiment illustrated in fig. 3 of processing credit request, herein
It repeats no more.
In short, being not intended to limit the protection scope of the application the foregoing is merely the preferred embodiment of the application.
Within the spirit and principles of this application, any modification, equivalent replacement, improvement and so on should be included in the application's
Within protection scope.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment
The combination of equipment.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.
Claims (11)
1. a kind of method for handling credit service request, comprising:
Credit service request based on Target Enterprise obtains at least one credit consuming product of the Target Enterprise；
Anchoring spending amount based on each credit consuming product at least one described credit consuming product and agreement fulfillment rate is estimated, really
Amount is assessed in the credit of the fixed Target Enterprise；
Amount is assessed based on the credit service request and the credit, provides credit service for the Target Enterprise.
2. according to the method described in claim 1, the quantity of at least one credit consuming product is multiple；
Wherein, anchoring spending amount based on each credit consuming product at least one described credit consuming product and estimating is honoured an agreement
Rate determines the credit assessment amount of the Target Enterprise, comprising:
Anchoring spending amount based on each credit consuming product and agreement fulfillment rate is estimated, determines the corresponding credit of each credit consuming product
Assess amount；
Based on the sum of the corresponding credit assessment amount of each credit consuming product, the credit assessment amount of the Target Enterprise is determined.
3. according to the method described in claim 2, any two credit consuming product is corresponding in the multiple credit consuming product
User it is different.
4. according to the method in claim 2 or 3, it is described obtain Target Enterprise at least one credit consuming product it
Before, at least one described credit consuming product is not labeled as mortgage product；
Wherein, after amount is assessed in the credit for determining the Target Enterprise, further includes:
It is that mortgage product, the credit consuming for being marked as mortgage product have produced by least one described credit consuming product labelling
Product are consequently not used for determining the credit assessment amount of the Target Enterprise.
5. according to the method in claim 2 or 3, the anchoring spending amount based on each credit consuming product and estimating shoe
About rate determines the corresponding credit assessment amount of each credit consuming product, comprising:
By the anchoring spending amount of each credit consuming product and the product for estimating agreement fulfillment rate, it is corresponding to be determined as each credit consuming product
Credit assess amount.
6. according to the method in any one of claims 1 to 3, the method also includes:
Agreement fulfillment rate is estimated according to what target component determined each credit consuming product；
Wherein, the target component includes at least one of following parameter: the contract period of credit consuming product, credit consuming
Anchoring spending amount, the residual amount of credit consuming product, the credit rating of the user of credit consuming product, credit consuming of product
The history agreement fulfillment rate and industry of the user of product is averaged agreement fulfillment rate.
7. according to the method in any one of claims 1 to 3, the method is held by credit consuming management of product server
Row, it is described that amount is assessed based on the credit service request and the credit, credit service is provided for the Target Enterprise, is wrapped
It includes:
The credit service request and credit assessment volume are sent to the associated financial institution server of the Target Enterprise
Degree, in order to which the financial institution server is based on the credit service request and credit assessment amount as target enterprise
Industry provides credit service.
8. according to the method in any one of claims 1 to 3, the method is executed by financial institution server, described to obtain
Take at least one credit consuming product of the Target Enterprise, comprising:
At least one described credit consuming product is obtained from main block chain, the financial institution server is the main block chain
Side chain in node, the main block chain is used to store the credit consuming product of enterprise.
9. a kind of device for handling credit service request, comprising:
Acquiring unit, the credit service request based on Target Enterprise, at least one credit consuming for obtaining the Target Enterprise produce
Product；
Processing unit, anchoring spending amount based on each credit consuming product at least one described credit consuming product and is estimated
Agreement fulfillment rate determines the credit assessment amount of the Target Enterprise；
The processing unit assesses amount based on the credit service request and the credit, provides and award for the Target Enterprise
Telecommunications services.
10. a kind of electronic equipment, comprising:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction uses the processing when executed
Device executes following operation:
Credit service request based on Target Enterprise obtains at least one credit consuming product of the Target Enterprise；
Anchoring spending amount based on each credit consuming product at least one described credit consuming product and agreement fulfillment rate is estimated, really
Amount is assessed in the credit of the fixed Target Enterprise；
Amount is assessed based on the credit service request and the credit, provides credit service for the Target Enterprise.
11. a kind of computer-readable medium, the computer-readable medium storage one or more program is one or more of
Program is when the electronic equipment for being included multiple application programs executes, so that the electronic equipment executes following operation:
Credit service request based on Target Enterprise obtains at least one credit consuming product of the Target Enterprise；
Anchoring spending amount based on each credit consuming product at least one described credit consuming product and agreement fulfillment rate is estimated, really
Amount is assessed in the credit of the fixed Target Enterprise；
Amount is assessed based on the credit service request and the credit, provides credit service for the Target Enterprise.
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| CN201910470060.2A CN110175910A (en) | 2019-05-31 | 2019-05-31 | Handle the method, apparatus and electronic equipment of credit service request |
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| CN110675162A (en) * | 2019-09-09 | 2020-01-10 | 阿里巴巴集团控股有限公司 | Contract processing method, device and equipment |
| CN110992171A (en) * | 2019-12-03 | 2020-04-10 | 支付宝(杭州)信息技术有限公司 | User credit granting strategy determination method and device and electronic equipment |
| CN111179054A (en) * | 2019-12-18 | 2020-05-19 | 中国建设银行股份有限公司 | Request information processing method, server, client and system |
| CN112598499A (en) * | 2020-12-16 | 2021-04-02 | 中国建设银行股份有限公司 | Method and device for determining credit limit |
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Effective date of registration: 20200924 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200924 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |