CN110458691A - Risk monitoring and control method and device before a kind of loan - Google Patents
Risk monitoring and control method and device before a kind of loan Download PDFInfo
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- CN110458691A CN110458691A CN201910720378.1A CN201910720378A CN110458691A CN 110458691 A CN110458691 A CN 110458691A CN 201910720378 A CN201910720378 A CN 201910720378A CN 110458691 A CN110458691 A CN 110458691A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention discloses risk monitoring and control method and devices before a kind of loan, when method includes: the loan requests for detecting supplier, obtain the transaction data of core enterprise, include the trade contract of supplier and core enterprise in the loan requests；It is checked according to loan requests of the transaction data to supplier, judges the authenticity of the transaction of supplier and core enterprise；If the transaction of supplier and core enterprise is really, to be offered loans according to the loan requests of supplier to supplier；If the transaction of supplier and core enterprise be it is false, do not offer loans to supplier.The transaction data that the embodiment of the present invention passes through acquisition supplier and core enterprise, according to the authenticity traded in transaction data, determine whether fund side is that supplier is offered a loan, that is, facilitates supplier and obtain loan, also it is monitored for risk before the loan of fund side, reduces the risk of fund side.
Description
Technical field
The present invention relates to risk monitoring and control method and devices before Financial Risk Control technical field more particularly to a kind of loan.
Background technique
As the continuous development of China's macroeconomic level and the relevant policies of support entity economy are put into effect, medium and small micro- enterprise
Have become the indispensable strength of socio-economic development.
Supplier of the existing medium and small micro- enterprise as core enterprise, due to the fund planning problem of core enterprise, core
In the cargo for receiving supplier, payment for goods would generally postpone to pay supplier for enterprise.Medium and small micro- enterprise as supplier
The cash flow of industry is easy to appear problem, it is therefore desirable to seek to provide a loan to funds sides such as banks.But medium and small micro- enterprise's point is according to market part
Volume is very big, but more than foundation or developing stage, and credit appraisal is influenced by financial situation so that the difficult problem financed is deposited extensively
In.Bank borrows loan to supplier as fund side, but can not control the credit risk of supplier.
Therefore, the existing technology needs to be improved and developed.
Summary of the invention
In view of above-mentioned deficiencies of the prior art, the purpose of the present invention is to provide risk monitoring and control method and dresses before a kind of loan
It sets, it is intended to which solving fund side in the prior art can not ask what risk before the loan as the supplier of core enterprise was monitored
Topic.
Technical scheme is as follows:
A kind of risk monitoring and control method before loan, which comprises
When detecting the loan requests of supplier, the transaction data of core enterprise is obtained, includes supplying in the loan requests
Answer the trade contract of quotient and core enterprise；
It is checked according to loan requests of the transaction data to supplier, judges the true of the transaction of supplier and core enterprise
Reality；
If the transaction of supplier and core enterprise is really, to be provided and borrowed to supplier according to the loan requests of supplier
Money；
If the transaction of supplier and core enterprise be it is false, do not offer loans to supplier.
Optionally, when the loan requests for detecting supplier, the transaction data of core enterprise is obtained, the loan is asked
It include the trade contract of supplier and core enterprise in asking, comprising:
When detecting the loan requests of supplier, loan requests are parsed, supplier in the loan requests is obtained and mentions
The core enterprise of confession；
Obtain the historical trading data for the core enterprise that supplier provides.
Optionally, described to be checked according to loan requests of the transaction data to supplier, judge that supplier and core look forward to
The authenticity of the transaction of industry, comprising:
The historical trading data of the core enterprise is parsed, the history stored in the historical trading data is obtained
Trade contract；
Judge whether the history supplier in the historical trading contract is stored with the title of supplier；
If being stored with the title of supplier, judges historical trading contract and the content of the trade contract in loan requests is
It is no identical；
If historical trading contract is identical as the content of the trade contract in loan requests, supplier and core enterprise are determined
Transaction be true；
If historical trading contract is not identical as the content of the trade contract in loan requests, determine that supplier and core look forward to
The transaction of industry is false.
It is optionally, described to be offered loans according to the loan requests of supplier to supplier, comprising:
According to the financing model creation loan project being pre-created, loan agreement is generated；
It is made loans data according to loan agreement typing, and loan project is monitored.
Optionally, the financing model creation loan project that the basis is pre-created generates loan agreement, comprising:
According to the financing model creation loan project being pre-created, judge core enterprise whether loan participation contract；
If core enterprise's loan participation contract, core enterprise's signature instruction is obtained, loan agreement is generated；
If core enterprise is not involved in loan agreement, determines that contract signature is completed, generate loan agreement.
Optionally, described to be made loans data according to loan agreement typing, and loan project is monitored, comprising:
To making loans, data are checked, and generate the plan of withholing after checking successfully；
According to the rule of withholing in the plan of withholing and loan agreement, loan project is monitored.
Optionally, described to be made loans data according to loan agreement typing, and after being monitored to loan project, further includes:
The remaining sum and flowing water for monitoring provider accounts generate report after carrying out data analysis according to the account of supplier and flowing water
Table；
Loan early warning is generated to data of making loans according to default rule.
Another embodiment of the present invention provides risk monitoring and control device before a kind of loan, and described device includes at least one processing
Device；And
The memory being connect at least one described processor communication；Wherein,
The memory is stored with the instruction that can be executed by least one described processor, and described instruction is by described at least one
A processor executes, so that at least one described processor is able to carry out risk monitoring and control method before above-mentioned loan.
Another embodiment of the present invention additionally provides a kind of non-volatile computer readable storage medium storing program for executing, described non-volatile
Computer-readable recording medium storage has computer executable instructions, and the computer executable instructions are by one or more processors
When execution, risk monitoring and control method before may make one or more of processors to execute above-mentioned loan.
Another embodiment of the invention provides a kind of computer program product, and the computer program product includes depositing
The computer program on non-volatile computer readable storage medium storing program for executing is stored up, the computer program includes program instruction, works as institute
When stating program instruction and being executed by processor, risk monitoring and control method before making the processor execute above-mentioned loan.
The utility model has the advantages that the invention discloses risk monitoring and control method and devices before a kind of loan, and compared with the prior art, the present invention
Embodiment can determine money according to the authenticity traded in transaction data by obtaining the transaction data of supplier and core enterprise
Whether Jin Fang is that supplier is offered a loan, that is, facilitates supplier and obtain loan, also carry out for risk before the loan of fund side
Monitoring, reduces the risk of fund side.
Detailed description of the invention
Present invention will be further explained below with reference to the attached drawings and examples, in attached drawing:
Fig. 1 is the flow chart of risk monitoring and control method preferred embodiment before a kind of loan of the present invention；
Fig. 2 is the hardware structural diagram of the preferred embodiment of risk monitoring and control device before a kind of loan of the present invention.
Specific embodiment
To make the purpose of the present invention, technical solution and effect clearer, clear and definite, below to the present invention further specifically
It is bright.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.Below
The embodiment of the present invention is introduced in conjunction with attached drawing.
The embodiment of the invention provides a kind of risk monitoring and control methods before loan.Referring to Fig. 1, before Fig. 1 is a kind of loan of the present invention
The flow chart of risk monitoring and control method preferred embodiment.As shown in Figure 1, itself comprising steps of
Step S100, when detecting the loan requests of supplier, the transaction data of core enterprise, the loan requests are obtained
In include supplier and core enterprise trade contract；
Step S200, it is checked according to loan requests of the transaction data to supplier, judges supplier and core enterprise
Transaction authenticity, if the transaction of supplier and core enterprise be it is true, S300 is thened follow the steps, if supplier and core
The transaction of enterprise be it is false, then follow the steps S400；
Step S300, it is offered loans according to the loan requests of supplier to supplier；
Step S400, it does not offer loans to supplier.
When it is implemented, fund side obtains transaction data when making loans, loan project review is carried out according to transaction data, and
Judge whether the transaction of supplier and core enterprise true, if transaction be it is true, according to the loan requests of supplier to
Supplier offers loans, if transaction be it is false, fund Fang Buxiang supply is with offering loans, to improve capital's loan fund
Safety.
Risk monitoring and control method before the loan of the embodiment of the present invention is applied to risk monitoring and control platform before borrowing.Risk monitoring and control is flat before borrowing
Platform includes monitoring center, data center and front-end system.Wherein data center pushes front-end system and matches to overall system configuration
It sets, data center is used for basic data maintenance, and each module type, client, configuration etc. configure according to client and receive configuration data.
Front-end system includes that data really weigh module and system configuration module, and the data of module are really weighed by system configuration module configuration data
Really power business, imports supplier's historical trading data of core enterprise；
Data center maintenance financing model；Core enterprise's import transaction data, are pushed to data center in front-end system；
Data center checks according to loan requests of the transaction data to supplier, judges supplier and core enterprise
The authenticity of transaction；If so, creation loan project is carried out according to transaction data, if it is not, then not offering loans；
After carrying out creation loan project according to transaction data, data center generates service charge；Monitoring system receives service charge
It withholds plan and rule；Data center signs loan agreement.
In further carrying out example, when detecting the loan requests of supplier, the transaction data of core enterprise, institute are obtained
State the trade contract in loan requests including supplier and core enterprise, comprising:
When detecting the loan requests of supplier, loan requests are parsed, supplier in the loan requests is obtained and mentions
The core enterprise of confession；
Obtain the historical trading data for the core enterprise that supplier provides.
When it is implemented, risk monitoring and control platform sends loan requests, front-end system typing before borrowing when supplier will provide a loan
Business datum, the white list historical data, transaction data of core enterprise；Data center starts business, monitoring center processing business,
Data center carries out white list audit according to historical trading data.Front-end system import transaction data.
Further, it is checked according to loan requests of the transaction data to supplier, judges supplier and core enterprise
Transaction authenticity, comprising:
The historical trading data of the core enterprise is parsed, the history stored in the historical trading data is obtained
Trade contract；
Judge whether the history supplier in the historical trading contract is stored with the title of supplier；
If being stored with the title of supplier, judges historical trading contract and the content of the trade contract in loan requests is
It is no identical；
If historical trading contract is identical as the content of the trade contract in loan requests, supplier and core enterprise are determined
Transaction be true；
If historical trading contract is not identical as the content of the trade contract in loan requests, determine that supplier and core look forward to
The transaction of industry is false.
When it is implemented, judge with the presence or absence of the title with supplier in the historical trading contract of core enterprise, if so,
Further judge whether treaty content is identical, treaty content includes but is not limited to the data such as transaction amount, income date.If contract
Content is identical, then determines that the transaction of current supplier and core enterprise is true, to improve the loan safety of fund side
Property.If treaty content is not identical, determine that the transaction of the current supplier of treaty content and core enterprise is false.
In some other embodiments, it is offered loans according to the loan requests of supplier to supplier, comprising:
According to the financing model creation loan project being pre-created, loan agreement is generated；
It is made loans data according to loan agreement typing, and loan project is monitored.
When it is implemented, front-end system import transaction data；Data center carries out creation loan project according to financing model,
Loan project contract generates, and data center's typing is made loans data；Monitoring center starts to monitor loan project；If detecting in monitoring
Heart monitoring terminates, then data center terminates loan project, and carries out statement analysis.
The financing model table structure being wherein pre-created is tree, produces tree data；Before in financing model
The creation that the condition of setting is expressed as loan project needs the import transaction data from front-end system, carries out loan item according to transaction data
Purpose creation；In system business, precondition specifies whether write-back front-end system business datum；Number based on financing model
According to being safeguarded, do not allow to revise if financing model has carried out business association；Financing model name does not allow to repeat, can be right
Financing model is illustrated preservation or keyword is distinguished.
When creating loan project, check service rate: platform service rate=fund side's service rate+provider service is taken
Rate；The object current state of creation loan project is necessary for normally, otherwise not allowing to create；
Being associated with for loan project and transaction data is judged whether there is, the friendship then imported if there is association for core enterprise
Easy data carry out creation loan project or are the loan projects kept in, loan project information of only modifying；If no
The newly-increased of loan project, newly-increased, the correspondence transaction data in relationship of loan project transaction data relationship are then carried out in the presence of association
It can be sky；
Contract involved in loan project and later account will be associated preservation by individual table；
The contract and later account signed required for creation loan project will be associated preservation by individual table；If
It modifies after loan project is temporary and is created again, then physics is deleted into temporary contract and bank account in creation and believed
Breath saves the contract and bank account information of typing again；It is related to really weighing agreement when if creating loan project, works as precondition
In the presence of, readjustment front-end system carries out true power processing, in the absence of then directly really weigh successfully；
It really include the plan generation of withholing of service charge in power interface；Service charge is carried out according to the ratio being arranged in loan project
It calculates, is pushed directly to be monitored in monitoring system after generation and withhold, service charge record is saved in service charge table；Service charge meter
It calculates and according to the ratio reached an agreement in the ratio and platform side and core enterprise's agreement in loan project carries out that service charge knot is calculated
Fruit；
The contract of being customized of contract template is selected to generate if signing on the contract selection line of loan project, according to
Contract template is signed；It is signed under line, carries out contract appendix upload, signature process is not safeguarded in systems, keeps in contract
When, only contract information is saved.
Typing make loans data when verification, loan agreement ID there must be, contract must have been signed all on loan project line
At；Data of making loans generate different details according to type and are saved, and principal and interest two are only generated in the detail for the principal and interest that expires
Data is monthly paid interest, and is calculated according to also breath day, the amount of money, issue, and a capital record and a plurality of interest record are generated,
Later period accesses the computation rule of breath more than more and waits for requirement validation.
Further, according to the financing model creation loan project being pre-created, loan agreement is generated, comprising:
According to the financing model creation loan project being pre-created, judge core enterprise whether loan participation contract；
If core enterprise's loan participation contract, core enterprise's signature instruction is obtained, loan agreement is generated；
If core enterprise is not involved in loan agreement, determines that contract signature is completed, generate loan agreement.
When it is implemented, front-end system import transaction data；Data center carries out creation loan project according to financing model,
Loan project contract generates, and judges whether core enterprise participates in contract；
If core enterprise participates in contract, core enterprise is signed a contract by front-end system；If core enterprise has neither part nor lot in conjunction
Together, then data center determines that contract signature is completed.
Further, it is made loans data according to loan agreement typing, and loan project is monitored, comprising:
To making loans, data are checked, and generate the plan of withholing after checking successfully；
According to the rule of withholing in the plan of withholing and loan agreement, loan project is monitored.
When it is implemented, data of making loans generate the plan of withholing after checking successfully, if data of making loans when typing also cease state
To be settled, the plan of withholing of interest is not regenerated；Generate withhold plan together with withhold rule and meanwhile be pushed to monitoring
It is monitored in system, the plan of withholing currently created needs the plan of withholing in monitoring system on the day of synchronous generation, sends
Start to be monitored at once after success；
Loan project is to have made loans by Status Change of not making loans after data of making loans are checked successfully, is returned if associated core enterprise
Adjust front-end system；
When review failure, deletes and adjust make loans data and detail, need to re-type data of making loans；
After data of making loans are checked successfully, specified supervisor can be authorized.
The rule of withholing of service charge is transmitting supplier's bank account, for monitoring flowing water；
The rule withholdd in the works is the rule set in loan project, is spliced into JSON format string and carries out transmitting solution
It analyses, the regular default value in loan project is the value set in financing type, but maximum to ensure when creating loan project
Compatibility, all rules can modify according to present case.
Data of making loans account imports, current to verify, and data deduplication (currently imports all the elements, note all in database
Record do not allow to repeat), character string go to space, vendor name whether there is, fund side's account information, refund type (monthly
Payment of interest must input monthly discount day, and the principal and interest that expires needs to input whether close), the date of making loans is necessarily less than transaction and deals with day
Phase；
It needs to select financing type when data of making loans account imports, needs to be carried out according to financing type when creating business datum
Data check saves；It includes loan project and rescue data typing, contract processing side in loan project that account, which creates business datum,
Case secondary development after requirement validation is handled；
Data inputting of making loans is carried out after the completion of generating loan project data according to account, due to being related to numerous when generating
Table pays attention to abnormal rollback data；
Account confirmation generates not reproducible generation after business datum, and deletion is not allowed to import data after the completion of generating；
The preposition transaction data for being pushed to data center carries out reconciliation, can not then remove in front-end system after reconciliation success
It returns, calcellation processing can only be carried out in data center.
Transaction data is mainly to import in front-end system, after data center carries out business processing to transaction data, by preceding
The interface for setting system is adjusted back, and the status display of transaction data is changed；
The account of coming generated in monitoring system reminds and can carry out account in monitoring system by actively monitoring system being called to be obtained
Prompting, which has been realized, sends message using message queue data center, and data center handles message；
Data center is to monitoring center timing acquisition data, after the completion of the plan of withholing executes, modifies business datum state.
Further, it is made loans data according to loan agreement typing, and after being monitored to loan project, further includes:
The remaining sum and flowing water for monitoring provider accounts generate report after carrying out data analysis according to the account of supplier and flowing water
Table；
Loan early warning is generated to data of making loans according to default rule.
When it is implemented, data center's timing obtains the remaining sum and flowing water of monitoring account from monitoring center, more than account
Volume and flowing water carry out data analysis and generate report, generate loan early warning to data of making loans according to rule, for example, account balance it is insufficient,
Flowing water exception etc..Generate report further include loan project total amount, data of making loans total amount, the not yet due amount of money, gone back the amount of money,
Interest amount；Specifically loan project total amount is the loan project data in loan project inquiry, under current affiliated fund side
Carry out collect statistics；Data of making loans total amount is that the amount of money of making loans of typing in loan project detail summarizes；The not yet due amount of money is to put
Amount of money is in, and capital should go back the data of making loans before the date, and state is not complete or be partially completed state, and not yet due data are not
Including overdue；Having gone back the amount of money is to monitor the trading card amount of money for completing to refund in monitoring system to summarize；All sum, quantity with
And subject to ID number of data of making loans, a plurality of detail is directed toward same data of making loans and is then calculated as a data；Interest amount is being withholdd
It is safeguarded in the works, when refunding monitoring, the plan of withholing guarantees that data are constant.
It further carries out in example, account is supervised since data are made loans in typing, is started after data of making loans are audited successfully
Carry out account supervision；It will be to being carried out in loan project, data of making loans, refund detail, account balance, account flowing water in account supervision
Statistical data carries out statement analysis and statistics；Early warning includes remaining sum early warning, transfers failure and abnormal transaction.Remaining sum early warning is specific
Refer to the data of making loans that capital is to be gone back in monitoring one week, summarizes in all supervision accounts and collect remaining sum, insufficient in amount can be collected
Shi Jinhang project early warning；Transfer failure refer to when account carry out account withhold when, withhold failure when carry out early warning；It is abnormal
Transaction, which refers to, carries out early warning when account is abnormal transaction.Carry out account if having, prompting is withholdd manually.
Warning information is individually safeguarded that detailed data divides table to safeguard；Warning information table is with data ID and the type work of making loans
It is safeguarded for unique designation, guarantees that same data each type data of making loans have and only one；Phase is emptied at the end of supervision
The warning information of pass.
The remaining sum and flowing water of the account wherein monitored specifically include account balance, account flowing water, data of making loans, refund detail
And the plan of withholing, specifically, account balance is specially that daily account balance only records a data, guarantees that data daily carry out
It divides convenient for statistics；
Account flowing water specifically: when detecting the expenditure flowing water of supervision account in flowing water, abnormal transaction early warning will be generated, but
Instantly for one-time detection to when taking in, default overrides warning information, only retains detail and is inquired；Data of making loans are specially to count
It always makes loans the amount of money and quantity；
Refund detail is specially to pull refund detail, the corresponding number of making loans accordingly of each refund record from monitoring center
According to, for count gone back the amount of money；
The plan of withholing is specially to have recorded principal and interest detail in repayment schedule, always golden when needing to count principal and interest
It is used when volume.
It should be noted that not necessarily there is centainly successive between above steps in above-mentioned each embodiment
Sequentially, those of ordinary skill in the art, according to an embodiment of the present invention to describe to be appreciated that in different embodiments, above-mentioned each step
Suddenly there can be the different sequences that executes, also i.e., it is possible to execute parallel, change can exchange execution etc..
Another embodiment of the present invention provides risk monitoring and control devices before a kind of loan, as shown in Fig. 2, device 10 includes:
One or more processors 110 and memory 120 are introduced in Fig. 2 by taking a processor 110 as an example, are located
Reason device 110 can be connected with memory 120 by bus or other modes, in Fig. 2 for being connected by bus.
Processor 110 is for completing, the various control logics of device 10, can be for general processor, digital signal at
Manage device (DSP), specific integrated circuit (ASIC), field programmable gate array (FPGA), single-chip microcontroller, ARM (Acorn RISC
) or other programmable logic device, discrete gate or transistor logic, discrete hardware component or these components Machine
Any combination.In addition, processor 110 can also be any conventional processors, microprocessor or state machine.Processor 110 can also
To be implemented as calculating the combination of equipment, for example, the combination of DSP and microprocessor, multi-microprocessor, one or more micro- places
Manage device combination DSP core or any other this configuration.
Memory 120 is used as a kind of non-volatile computer readable storage medium storing program for executing, can be used for storing non-volatile software journey
Sequence, non-volatile computer executable program and module, as risk monitoring and control method is corresponding before the loan in the embodiment of the present invention
Program instruction.Non-volatile software program, instruction and the unit that processor 110 is stored in memory 120 by operation, from
And the various function application and data processing of executive device 10, i.e. risk monitoring and control side before loan in realization above method embodiment
Method.
Memory 120 may include storing program area and storage data area, wherein storing program area can store operation dress
It sets, application program required at least one function；Storage data area, which can be stored, uses created data etc. according to device 10.
It can also include nonvolatile memory in addition, memory 120 may include high-speed random access memory, for example, at least one
A disk memory, flush memory device or other non-volatile solid state memory parts.In some embodiments, memory 120 can
Choosing includes the memory remotely located relative to processor 110, these remote memories can pass through network connection to device 10.
The example of above-mentioned network includes but is not limited to internet, intranet, local area network, mobile radio communication and combinations thereof.
One or more unit is stored in memory 120, when being executed by one or more processor 110, is held
Risk monitoring and control method before loan in the above-mentioned any means embodiment of row, for example, executing the method and step in Fig. 1 described above
S100 to step S400.
The embodiment of the invention provides a kind of non-volatile computer readable storage medium storing program for executing, computer readable storage medium is deposited
Computer executable instructions are contained, which is executed by one or more processors, for example, executing above retouch
Method and step S100 to step S400 in the Fig. 1 stated.
As an example, non-volatile memory medium can include that read-only memory (ROM), programming ROM (PROM), electricity can
Programming ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory can include as external high speed
The random access memory (RAM) of buffer memory.By illustrate it is beautiful unrestricted, RAM can with such as synchronous random access memory (SRAM),
Dynamic ram, (DRAM), synchronous dram (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM),
Many forms of Synchlink DRAM (SLDRAM) and directly Rambus (Lan Basi) RAM (DRRAM) etc obtain.Herein
Described in operating environment disclosed memory assembly or memory be intended to include these and/or any other be suitble to class
One or more of memory of type.
Another embodiment of the invention provides a kind of computer program product, and computer program product includes being stored in
Computer program on non-volatile computer readable storage medium storing program for executing, computer program include program instruction, when program instruction quilt
When processor executes, the processor is made to execute risk monitoring and control method before the loan of above method embodiment.For example, executing above retouch
Method and step S100 to step S400 in the Fig. 1 stated.
Embodiments described above is only schematical, wherein as illustrated by the separation member unit can be or
It may not be and be physically separated, component shown as a unit may or may not be physical unit, it can
It is in one place, or may be distributed over multiple network units.Can select according to actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.
By the description of above embodiment, those skilled in the art can be understood that each embodiment can be by
Software adds the mode of general hardware platform to realize, naturally it is also possible to pass through hardware realization.Based on this understanding, above-mentioned technology
Scheme substantially in other words can be embodied in the form of software products the part that the relevant technologies contribute, the computer
Software product can reside in computer readable storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions to
So that computer installation (can be personal computer, server or network equipment etc.) execute each embodiment or
The method of certain parts of embodiment.
Among other things, such as " can ', " energy ", " possibility " or " can be with " etc conditional statement unless in addition specific
Ground is stated or is otherwise understood in context as used, is otherwise generally intended to convey particular implementation energy
Including (however other embodiments do not include) special characteristic, element and/or operation.Therefore, such conditional statement is generally
It is not intended to imply that feature, element and/or operation are all needed one or more embodiments or one anyway
Or multiple embodiments must include for determining these features, element in the case where being with or without student's input or prompt
And/or the logic whether operation is included or will be performed in any particular implementation.
The content described in the present description and drawings herein includes risk monitoring and control method before being capable of providing loan
And the example of device.Certainly, the every of element and/or method can not be described for the purpose of the various features of the description disclosure
A combination being envisioned that, it can be appreciated that, many other combinations and displacement of disclosed feature are possible.Cause
This, it is obvious that without departing from the scope or spirit of the present disclosure various modifications can be made to the disclosure.This
Outside, or in alternative solution, the considerations of other embodiments of the disclosure are to the specification and drawings and as being in herein
It may be obvious in the practice of the existing disclosure.It is intended that example proposed in the specification and drawings is all
Aspect is considered illustrative and not restrictive.Although using specific term herein, they general and
The purpose of limitation is used and is not used in descriptive sense.
Claims (10)
1. a kind of risk monitoring and control method before loan, it is characterised in that, the described method includes:
When detecting the loan requests of supplier, the transaction data of core enterprise is obtained, includes supplier in the loan requests
With the trade contract of core enterprise；
It is checked according to loan requests of the transaction data to supplier, judges the true of the transaction of supplier and core enterprise
Property；
If the transaction of supplier and core enterprise is really, to be offered loans according to the loan requests of supplier to supplier；
If the transaction of supplier and core enterprise be it is false, do not offer loans to supplier.
2. risk monitoring and control method before loan according to claim 1, which is characterized in that the loan for detecting supplier is asked
When asking, the transaction data of core enterprise is obtained, includes the trade contract of supplier and core enterprise, packet in the loan requests
It includes:
When detecting the loan requests of supplier, loan requests are parsed, obtain what supplier in the loan requests provided
Core enterprise；
Obtain the historical trading data for the core enterprise that supplier provides.
3. risk monitoring and control method before borrowing according to claim 2, which is characterized in that it is described according to transaction data to supplier's
Loan requests are checked, and judge the authenticity of the transaction of supplier and core enterprise, comprising:
The historical trading data of the core enterprise is parsed, the historical trading stored in the historical trading data is obtained
Contract；
Judge whether the history supplier in the historical trading contract is stored with the title of supplier；
If being stored with the title of supplier, judge historical trading contract and the trade contract in loan requests content whether phase
Together；
If historical trading contract is identical as the content of the trade contract in loan requests, the friendship of supplier and core enterprise is determined
It is easily true；
If historical trading contract is not identical as the content of the trade contract in loan requests, supplier and core enterprise are determined
Transaction is false.
4. according to right want 1 described in risk monitoring and control method before loan, which is characterized in that the loan requests according to supplier to
Supplier offers loans, comprising:
According to the financing model creation loan project being pre-created, loan agreement is generated；
It is made loans data according to loan agreement typing, and loan project is monitored.
5. risk monitoring and control method before loan according to claim 4, which is characterized in that the financing mould that the basis is pre-created
Type creates loan project, generates loan agreement, comprising:
According to the financing model creation loan project being pre-created, judge core enterprise whether loan participation contract；
If core enterprise's loan participation contract, core enterprise's signature instruction is obtained, loan agreement is generated；
If core enterprise is not involved in loan agreement, determines that contract signature is completed, generate loan agreement.
6. risk monitoring and control method before loan according to claim 4, which is characterized in that described to be made loans according to loan agreement typing
Data, and loan project is monitored, comprising:
To making loans, data are checked, and generate the plan of withholing after checking successfully；
According to the rule of withholing in the plan of withholing and loan agreement, loan project is monitored.
7. risk monitoring and control method before loan according to claim 4, which is characterized in that described to be made loans according to loan agreement typing
Data, and after being monitored to loan project, further includes:
The remaining sum and flowing water for monitoring provider accounts generate report after carrying out data analysis according to the account of supplier and flowing water；
Loan early warning is generated to data of making loans according to default rule.
8. risk monitoring and control device before a kind of loan, which is characterized in that described device includes at least one processor；And
The memory being connect at least one described processor communication；Wherein,
The memory is stored with the instruction that can be executed by least one described processor, and described instruction is by described at least one
It manages device to execute, so that at least one described processor is able to carry out risk monitoring and control side before the described in any item loans of claim 1-7
Method.
9. a kind of non-volatile computer readable storage medium storing program for executing, which is characterized in that the non-volatile computer readable storage medium
Matter is stored with computer executable instructions, when which is executed by one or more processors, may make institute
It states one or more processors perform claim and requires risk monitoring and control method before the described in any item loans of 1-7.
10. a kind of computer program product, which is characterized in that the computer program product includes being stored in non-volatile calculating
Computer program on machine readable storage medium storing program for executing, the computer program include program instruction, when described program instruction is processed
When device executes, the processor perform claim is made to require risk monitoring and control method before the described in any item loans of 1-7.
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