CN110458691B - Pre-loan risk monitoring method and device - Google Patents
Pre-loan risk monitoring method and device Download PDFInfo
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- CN110458691B CN110458691B CN201910720378.1A CN201910720378A CN110458691B CN 110458691 B CN110458691 B CN 110458691B CN 201910720378 A CN201910720378 A CN 201910720378A CN 110458691 B CN110458691 B CN 110458691B
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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
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- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The invention discloses a pre-loan risk monitoring method and a pre-loan risk monitoring device, wherein the method comprises the following steps: when a loan request of a supplier is detected, acquiring transaction data of a core enterprise, wherein the loan request comprises a transaction contract between the supplier and the core enterprise; rechecking the loan request of the supplier according to the transaction data, and judging the authenticity of the transaction of the supplier and the core enterprise; if the transaction between the supplier and the core enterprise is real, a loan is issued to the supplier according to the loan request of the supplier; if the supplier's transaction with the core enterprise is spurious, no credit is issued to the supplier. The embodiment of the invention determines whether the fund party provides loan for the supplier enterprise or not by acquiring the transaction data of the supplier and the core enterprise and according to the authenticity of the transaction in the transaction data, thereby facilitating the acquisition of the loan by the supplier and monitoring the pre-loan risk of the fund party, and reducing the risk of the fund party.
Description
Technical Field
The invention relates to the technical field of financial risk control, in particular to a pre-loan risk monitoring method and device.
Background
With the continuous development of the overall economic level of China and the coming of relevant policies for supporting the entity economy, small and medium-sized micro-enterprises become indispensable strength for the social economic development.
The existing small and medium enterprises are used as suppliers of core enterprises, and due to the fund planning problem of the core enterprises, the core enterprises receive goods of the supplier enterprises, and the payment of the goods is usually delayed to pay to the supplier enterprises. Since the fund flow of small and medium-sized micro-enterprises as suppliers is likely to be problematic, it is necessary to make a loan on a fund side such as a bank. However, the market share of small and medium-sized micro-enterprises is large, but more than the startup or development stage, the problem that the credit evaluation is influenced by the financial condition so as to cause the financing difficulty is widely existed. The bank, acting as a funder, credits the supplier with loans, but has no control over the supplier's loan risk.
Accordingly, the prior art is yet to be improved and developed.
Disclosure of Invention
In view of the above-mentioned shortcomings of the prior art, an object of the present invention is to provide a method and an apparatus for monitoring pre-loan risk, which are intended to solve the problem in the prior art that a fund party cannot monitor the pre-loan risk of a supplier as a core enterprise.
The technical scheme of the invention is as follows:
a pre-loan risk monitoring method, the method comprising:
when a loan request of a supplier is detected, acquiring transaction data of a core enterprise, wherein the loan request comprises a transaction contract between the supplier and the core enterprise;
rechecking the loan request of the supplier according to the transaction data, and judging the authenticity of the transaction of the supplier and the core enterprise;
if the transaction between the supplier and the core enterprise is real, a loan is issued to the supplier according to the loan request of the supplier;
if the supplier's transaction with the core enterprise is spurious, no credit is issued to the supplier.
Optionally, when a loan request of the provider is detected, the transaction data of the core enterprise is obtained, where the loan request includes a transaction contract between the provider and the core enterprise, and the method includes:
when a loan request of a supplier is detected, analyzing the loan request to obtain a core enterprise provided by the supplier in the loan request;
historical transaction data of a core enterprise provided by a supplier is obtained.
Optionally, the reviewing the loan request of the supplier according to the transaction data and determining the authenticity of the transaction between the supplier and the core enterprise includes:
analyzing historical transaction data of the core enterprise to obtain historical transaction contracts stored in the historical transaction data;
judging whether the historical suppliers in the historical trading contracts store the names of the suppliers or not;
if the name of the supplier is stored, judging whether the contents of the historical trading contract and the trading contract in the loan request are the same;
if the contents of the historical trading contract and the trading contract in the loan request are the same, the trading of the supplier and the core enterprise is judged to be real;
if the contents of the historical trading contract and the trading contract in the loan request are not the same, the trading of the supplier and the core enterprise is determined to be false.
Optionally, the issuing a loan to the supplier according to the supplier's loan request includes:
creating a loan project according to a pre-created financing model, and generating a loan contract;
and inputting loan data according to the loan contract and monitoring the loan items.
Optionally, the creating a loan item according to a pre-created financing model to generate a loan contract includes:
creating a loan item according to a pre-created financing model, and judging whether a core enterprise participates in a loan contract;
if the core enterprise participates in the loan contract, acquiring a core enterprise signing instruction to generate the loan contract;
and if the core enterprise does not participate in the loan contract, judging that the contract signing is finished, and generating the loan contract.
Optionally, the entering of the loan data according to the loan contract and the monitoring of the loan item include:
rechecking the deposit data, and generating a deduction plan after successful rechecking;
and monitoring the loan project according to the deduction plan and deduction rules in the loan contract.
Optionally, the entering of the loan payment data according to the loan contract and the monitoring of the loan item further include:
monitoring balance and running water of an account of a supplier, and generating a report after data analysis is carried out according to the account and the running water of the supplier;
and generating loan early warning for the loan data according to preset rules.
Another embodiment of the present invention provides a pre-loan risk monitoring apparatus, comprising at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the pre-loan risk monitoring method described above.
Yet another embodiment of the present invention provides a non-transitory computer-readable storage medium having stored thereon computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform the method for pre-loan risk monitoring described above.
Another embodiment of the invention provides a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a processor, cause the processor to perform the above-mentioned pre-loan risk monitoring method.
Has the advantages that: compared with the prior art, the method and the device for monitoring the pre-loan risk can determine whether a fund side provides loan for a supplier enterprise or not by acquiring the transaction data of the supplier and a core enterprise according to the authenticity of the transaction in the transaction data, thereby facilitating the acquisition of the loan by the supplier and monitoring the pre-loan risk of the fund side, and reducing the risk of the fund side.
Drawings
The invention will be further described with reference to the accompanying drawings and examples, in which:
FIG. 1 is a flow chart of a pre-loan risk monitoring method according to a preferred embodiment of the present invention;
FIG. 2 is a diagram illustrating a hardware structure of a pre-loan risk monitoring apparatus according to a preferred embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and effects of the present invention clearer and clearer, the present invention is described in further detail below. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. Embodiments of the present invention will be described below with reference to the accompanying drawings.
The embodiment of the invention provides a pre-loan risk monitoring method. Referring to fig. 1, fig. 1 is a flow chart illustrating a method for pre-loan risk monitoring according to a preferred embodiment of the invention. As shown in fig. 1, it includes the steps of:
step S100, when a loan request of a supplier is detected, acquiring transaction data of a core enterprise, wherein the loan request comprises a transaction contract between the supplier and the core enterprise;
step S200, rechecking the loan request of the supplier according to the transaction data, judging the authenticity of the transaction of the supplier and the core enterprise, if the transaction of the supplier and the core enterprise is real, executing step S300, and if the transaction of the supplier and the core enterprise is false, executing step S400;
step S300, a supplier is issued with a loan according to a loan request of the supplier;
step S400, no loan is issued to the supplier.
In specific implementation, a fund party acquires transaction data during loan placement, performs loan item review according to the transaction data, and judges whether the transaction between a supplier and a core enterprise is real, if the transaction is real, a loan is issued to the supplier according to a loan request of the supplier, and if the transaction is false, the fund party does not issue loans to the supplier so as to improve the safety of loan fund of the fund party.
The pre-loan risk monitoring method is applied to a pre-loan risk monitoring platform. The pre-loan risk monitoring platform comprises a monitoring center, a data center and a front-end system. The data center is used for basic data maintenance, types of modules, clients, configuration and the like, and receives configuration data according to client configuration. The prepositive system comprises a data right confirming module and a system configuration module, and data right confirming business of the data right confirming module is configured through the system configuration module to import supplier historical transaction data of core enterprises;
the data center maintains a financing model; the method comprises the following steps that a core enterprise in a front-end system imports transaction data and pushes the transaction data to a data center;
the data center rechecks the loan request of the supplier according to the transaction data and judges the authenticity of the transaction of the supplier and the core enterprise; if yes, creating a loan project according to the transaction data, and if not, not issuing a loan;
after creating a loan project according to the transaction data, the data center generates a service fee; the monitoring system receives a service fee deduction plan and rules; the data center signs the loan contract.
In a further embodiment, when a loan request of a supplier is detected, transaction data of a core enterprise is acquired, wherein the loan request includes a transaction contract between the supplier and the core enterprise, and the method includes:
when a loan request of a supplier is detected, analyzing the loan request to obtain a core enterprise provided by the supplier in the loan request;
historical transaction data of a core enterprise provided by a supplier is obtained.
In specific implementation, when a supplier wants to loan, the pre-loan risk monitoring platform sends a loan request, and the front-end system inputs business data, white list historical data and transaction data of a core enterprise; and the data center starts the service, the monitoring center processes the service, and the data center performs white list examination according to the historical transaction data. The front-end system imports transaction data.
Further, rechecking the loan request of the supplier according to the transaction data, and judging the authenticity of the transaction between the supplier and the core enterprise, wherein the steps comprise:
analyzing historical transaction data of the core enterprise to obtain historical transaction contracts stored in the historical transaction data;
judging whether the name of a supplier is stored in a history supplier in the history transaction contract;
if the name of the supplier is stored, judging whether the contents of the historical trading contract and the trading contract in the loan request are the same;
if the contents of the historical trading contract and the trading contract in the loan request are the same, the trading of the supplier and the core enterprise is judged to be real;
if the contents of the historical trading contract and the trading contract in the loan request are not the same, the trading of the supplier and the core enterprise is determined to be false.
In specific implementation, whether the name of the supplier exists in the historical transaction contract of the core enterprise is judged, if yes, whether the contract content is the same is further judged, and the contract content comprises but is not limited to transaction amount, money intake date and other data. If the contract contents are the same, the current transaction between the supplier and the core enterprise is judged to be real, and therefore the loan safety of the fund party is improved. And if the contract contents are not the same, judging that the transaction between the current supplier of the contract contents and the core enterprise is false.
In some other embodiments, the issuing of a loan to a supplier in response to a supplier's loan request includes:
creating a loan project according to a pre-created financing model, and generating a loan contract;
and inputting loan data according to the loan contract and monitoring the loan project.
When the method is implemented specifically, the front-end system imports transaction data; the data center creates a loan project according to the financing model, generates a loan project contract, and inputs loan data; the monitoring center starts to monitor the loan item; and if the monitoring of the monitoring center is detected to be finished, the data center finishes the loan item and performs report analysis.
The pre-established financing model table structure is a tree structure and can generate tree data; leading conditions in the financing model show that the creation of a loan project requires the introduction of transaction data from a front system, and the creation of the loan project is carried out according to the transaction data; in the system service, the precondition specifies whether to write back the preposed system service data; the financing model is used as basic data for maintenance, and deletion and modification are not allowed if the financing model is associated with the service; the names of the financing models are not allowed to be repeated, and explanation storage or keyword distinguishing can be carried out on the financing models.
When creating a loan program, check service rates: platform service rate = funder service rate + provider service rate; the current state of the object for creating the loan item must be normal, otherwise, the creation is not allowed;
judging whether the correlation between the loan item and the transaction data exists, if so, creating the loan item for the transaction data imported by the core enterprise or temporarily storing the loan item, and only modifying the loan item information; if no association exists, adding the loan item and the loan item transaction data relationship, wherein the corresponding transaction data in the relationship can be null;
the contract and the subsequent account involved in the loan project are stored in a way of being associated by a separate table;
the contract required to be signed for creating the loan project and the account will be stored in a separate table in a related way; if the loan item is created after being temporarily stored and modified, the temporarily stored contract and the bank account information are physically deleted during creation, and the entered contract and the bank account information are saved again; if the loan project is created, the loan project is related to an authorization protocol, when the precondition exists, the loan project is called back to the preposed system for authorization processing, and when the precondition does not exist, the loan project is directly authorized successfully;
the right-confirming interface comprises deduction plan generation of service fee; service fee is calculated according to the proportion set in the loan project, and the service fee is directly pushed to a monitoring system for monitoring and deducting money after being generated, and service fee records are stored in a service fee table; calculating the service fee according to the proportion in the loan project and the proportion agreed by the platform side and the core enterprise protocol to obtain a service fee result;
if the contract of the credit item is signed on a contract selection line, selecting a contract template to carry out customized contract generation, and signing according to the contract template; and uploading the contract accessories when signing off-line, wherein the signing process is not maintained in the system, and only the same information is stored when the contract is temporarily stored.
Checking when the loan payment data is input, wherein the loan contract ID must exist, and the contract on the loan project line must be completely signed; and generating different details according to types for the deposit data to be stored, generating only principal and interest data in the details of the due principal, calculating according to the date of the return, the amount of money and the number of periods if paying monthly, generating a principal record and a plurality of interest records, and accessing a plurality of principal and interest calculation rules at the later stage for the demand confirmation.
Further, creating a loan project according to a pre-created financing model, and generating a loan contract, comprising:
creating a loan project according to a pre-created financing model, and judging whether a core enterprise participates in a loan contract;
if the core enterprise participates in the loan contract, acquiring a core enterprise signing instruction to generate the loan contract;
and if the core enterprise does not participate in the loan contract, judging that the contract signing is finished, and generating the loan contract.
When the method is specifically implemented, the front-end system imports transaction data; the data center establishes a loan project according to the financing model, generates a loan project contract and judges whether a core enterprise participates in the contract;
if the core enterprise participates in the contract, the core enterprise signs the contract through the front-end system; and if the core enterprise does not participate in the contract, the data center judges that the contract signing is finished.
Further, inputting loan data according to the loan contract and monitoring the loan items, comprising:
rechecking the deposit data, and generating a deduction plan after successful rechecking;
and monitoring the loan project according to the deduction plan and deduction rules in the loan contract.
In specific implementation, generating a deduction plan after the rechecking of the deposit data is successful, and if the deposit data is recorded in the settled state, no interest deduction plan is generated; the generated deduction plan and the deduction rule are simultaneously pushed to a monitoring system for monitoring, the currently created deduction plan needs to be synchronously generated in the monitoring system for the same day of deduction plan, and monitoring is started immediately after the deduction plan is successfully sent;
after the loan item is successfully reviewed, changing the loan item from a non-loan state to a loan, and calling back to the front-end system if the associated core enterprise;
when the rechecking fails, deleting the transfer data and the details, and re-inputting the transfer data;
after the reissue data is successfully reviewed, the designated supervisory personnel can be authorized.
The deduction rule of the service fee is a bank account of a transfer provider and is used for monitoring the running water;
rules in the deduction plan are rules set in the loan project and are spliced into JSON format character strings for transmission and analysis, the default value of the rules in the loan project is a value set in a financing type, but in order to ensure the maximum compatibility when the loan project is created, all the rules can be modified according to the current situation.
Pay data ledger import, current check, data deduplication (all contents are imported currently, all records in a database are not allowed to be repeated), character string blank space removal, whether a supplier name exists, account information of a fund party, payment type (payment per month is required to be input on a monthly payment date, and payment is required to be input on the due date or not), and pay date is required to be smaller than transaction payable date;
when the deposit data station account is imported, a financing type needs to be selected, and when the business data is created, data verification and storage need to be carried out according to the financing type; the standing book creating business data comprises loan projects and rescue data input, and a contract processing scheme in the loan projects is subjected to secondary development processing after the requirements are confirmed;
after loan project data are generated according to the standing book, loan data entry is carried out, and due to the fact that a plurality of tables are involved in the generation, abnormal rollback data are noticed;
the machine account confirms that the business data can not be repeatedly generated after being generated, and the imported data cannot be deleted after the generation is finished;
the transaction data pushed to the data center in the front-end mode are checked, and after the check is successful, the transaction data cannot be withdrawn in the front-end system, and only the data center is subjected to invalidation treatment.
The transaction data is mainly imported into the front-end system, and the data center performs callback through an interface of the front-end system after performing service processing on the transaction data, so as to change the state display of the transaction data;
the incoming account reminder generated in the monitoring system can be acquired by actively calling the monitoring system, the incoming account reminder in the monitoring system realizes that the message queue data center is used for sending the message, and the data center processes the message;
and the data center acquires data from the monitoring center at regular time, and modifies the state of the service data after the deduction plan is executed.
Further, inputting loan payment data according to the loan contract, and after monitoring the loan item, the method further comprises the following steps:
monitoring balance and running water of an account of a supplier, and generating a report after data analysis is carried out according to the account and the running water of the supplier;
and generating loan early warning for the loan data according to preset rules.
In specific implementation, the data center acquires the balance and running water of the monitored account from the monitoring center at regular time, performs data analysis on the balance and running water of the account to generate a report, and generates loan early warning for loan data according to rules, such as insufficient balance of the account, running water abnormality and the like. The generated report also comprises the total amount of the loan item, the total amount of the loan data, the unexpired amount, the paid amount and the interest amount; specifically, the total sum of the loan items is collected and counted by the loan item data under the current fund side in the query of the loan items; the total sum of the loan data is the sum of the loan amounts recorded in the loan item specification; the unexpired amount is the deposit data before the deposit due date in the deposit data, the state is the incomplete state or the partially completed state, and the unexpired amount does not include overdue; the amount of the paid transaction list is summarized from the monitoring system to the completion of payment; all the total number, the number and the number of the paying-off data IDs are standard, and a plurality of details pointing to the same paying-off data are counted as one data; the interest amount is maintained in the deduction plan, and the deduction plan ensures that the data is unchanged during payment monitoring.
In a further embodiment, the account supervision is started from the input of the deposit data, and the account supervision is started after the deposit data is successfully checked; in the account supervision, statistical data are carried out on loan items, loan data, repayment details, account balance and account stream, and statement analysis and statistics are carried out; the early warning comprises balance early warning, transfer failure and abnormal transaction. The balance early warning specifically refers to monitoring the deposit data of the principal deposit to be returned in one week, summarizing collectible balances in all supervision accounts, and performing project early warning when collectible amount is insufficient; the transfer failure refers to that when the account deducts money, early warning prompt is carried out when the money deduction fails; the abnormal transaction means that an early warning prompt is given when the account is in abnormal transaction. And if the account comes, reminding manual deduction.
The early warning information is maintained independently, and the detailed data is maintained in a sub-table manner; the early warning information table is maintained by taking the paying-off data ID and the type as a unique mark, and each type of data of the same paying-off data is ensured to be one and only one; and clearing related early warning information when supervision is finished.
The monitored balance and running of the account specifically comprise the balance of the account, running of the account, payment data, repayment details and a deduction plan, specifically, the balance of the account is only one piece of data recorded for the balance of the account every day, and the data are divided according to the day to be convenient for statistics;
the account running water is specifically as follows: when detecting the expenditure of the supervision account in the running water, generating abnormal transaction early warning, but when detecting the expenditure in the next time, defaulting to cover the early warning information, and only keeping the detail for inquiring; the deposit data is specifically the total deposit amount and quantity counted;
the repayment detail is specifically drawn from the monitoring center, and each repayment record corresponds to corresponding deposit data and is used for counting the amount of the repayed money;
the deduction plan is used when the total amount of principal and interest is required to be counted, and the principal and interest details are recorded in the payment plan.
It should be noted that, in the foregoing embodiments, a certain order does not necessarily exist among the steps, and it can be understood by those skilled in the art according to the description of the embodiments of the present invention that, in different embodiments, the steps may have different execution orders, that is, may be executed in parallel, may be executed interchangeably, and the like.
Another embodiment of the present invention provides a pre-loan risk monitoring apparatus, as shown in fig. 2, the apparatus 10 includes:
one or more processors 110 and a memory 120, where one processor 110 is illustrated in fig. 2, the processor 110 and the memory 120 may be connected by a bus or other means, and the connection by the bus is illustrated in fig. 2.
The processor 110 is used to implement the various control logic of the apparatus 10, which may be a general purpose processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA), a single chip, an ARM (Acorn RISC Machine) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination of these components. Also, the processor 110 may be any conventional processor, microprocessor, or state machine. Processor 110 may also be implemented as a combination of computing devices, e.g., a combination of a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a DSP core, or any other such configuration.
The memory 120 is a non-volatile computer readable storage medium, and can be used for storing non-volatile software programs, non-volatile computer executable programs, and modules, such as program instructions corresponding to the pre-loan risk monitoring method in the embodiment of the present invention. The processor 110 executes the non-volatile software programs, instructions and units stored in the memory 120 to execute various functional applications and data processing of the apparatus 10, i.e. to implement the pre-loan risk monitoring method in the above-described method embodiments.
The memory 120 may include a storage program area and a storage data area, wherein the storage program area may store an application program required for operating the device, at least one function; the storage data area may store data created according to the use of the device 10, and the like. Further, the memory 120 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some embodiments, memory 120 optionally includes memory located remotely from processor 110, which may be connected to device 10 over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
One or more units are stored in memory 120, and when executed by one or more processors 110, perform the pre-loan risk monitoring method of any of the method embodiments described above, e.g., performing method steps S100-S400 of fig. 1 described above.
Embodiments of the present invention provide a non-transitory computer-readable storage medium storing computer-executable instructions for execution by one or more processors, e.g., to perform method steps S100-S400 of fig. 1 described above.
By way of example, nonvolatile storage media can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically erasable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM), which acts as external cache memory. By way of illustration and not limitation, RAM is available in many forms such as Synchronous RAM (SRAM), dynamic RAM, (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchlink DRAM (SLDRAM), and Direct Rambus RAM (DRRAM). The disclosed memory components or memory of the operating environment described herein are intended to comprise one or more of these and/or any other suitable types of memory.
Another embodiment of the invention provides a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a processor, cause the processor to perform the pre-loan risk monitoring method of the above method embodiment. For example, the method steps S100 to S400 in fig. 1 described above are performed.
The above-described embodiments are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the embodiment.
Through the above description of the embodiments, it is clear to those skilled in the art that the embodiments may be implemented by software plus a general hardware platform, and may also be implemented by hardware. Based on such understanding, the technical solutions in essence or part contributing to the related art can be embodied in the form of a software product, which can be present in a computer readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes several instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the method of various embodiments or some parts of embodiments.
Conditional language such as "can," "might," or "may" is generally intended to convey that a particular embodiment can include (yet other embodiments do not include) particular features, elements, and/or operations, among others, unless specifically stated otherwise or otherwise understood within the context as used. Thus, such conditional language is not generally intended to imply that features, elements, and/or operations are in any way required for one or more embodiments or that one or more embodiments necessarily include logic for deciding, with or without student input or prompting, whether such features, elements, and/or operations are included or are to be performed in any particular embodiment.
What has been described herein in the specification and drawings includes examples that can provide a pre-loan risk monitoring method and apparatus. It will, of course, not be possible to describe every conceivable combination of components and/or methodologies for purposes of describing the various features of the disclosure, but it can be appreciated that many further combinations and permutations of the disclosed features are possible. It is therefore evident that various modifications can be made to the disclosure without departing from the scope or spirit thereof. In addition, or in the alternative, other embodiments of the disclosure may be apparent from consideration of the specification and drawings and from practice of the disclosure as presented herein. It is intended that the examples set forth in this specification and the drawings be considered in all respects as illustrative and not restrictive. Although specific terms are employed herein, they are used in a generic and descriptive sense only and not for purposes of limitation.
Claims (9)
1. A method of pre-loan risk monitoring, the method comprising:
when a loan request of a supplier is detected, acquiring transaction data of a core enterprise, wherein the loan request comprises a transaction contract between the supplier and the core enterprise;
rechecking the loan request of the supplier according to the transaction data, and judging the authenticity of the transaction of the supplier and the core enterprise;
if the transaction between the supplier and the core enterprise is real, a loan is issued to the supplier according to the loan request of the supplier;
if the transaction between the supplier and the core enterprise is false, no loan is issued to the supplier;
the rechecking the loan request of the supplier according to the transaction data and judging the authenticity of the transaction between the supplier and the core enterprise comprise the following steps:
analyzing historical transaction data of the core enterprise to obtain historical transaction contracts stored in the historical transaction data;
judging whether the name of a supplier is stored in a history supplier in the history transaction contract;
if the name of the supplier is stored, judging whether the contents of the historical trading contract and the trading contract in the loan request are the same;
if the contents of the historical trading contract and the trading contract in the loan request are the same, the trading of the supplier and the core enterprise is judged to be real;
if the contents of the historical trading contracts are not the same as the contents of the trading contracts in the loan request, the trading of the supplier and the core enterprise is judged to be false.
2. The method for monitoring pre-loan risk according to claim 1, wherein the obtaining of transaction data of a core enterprise is performed when a request for loan from a supplier is detected, the request for loan including a transaction contract between the supplier and the core enterprise, comprising:
when a loan request of a supplier is detected, analyzing the loan request to obtain a core enterprise provided by the supplier in the loan request;
historical transaction data of a core enterprise provided by a supplier is obtained.
3. The method for pre-loan risk monitoring according to claim 1, wherein the issuing a loan to a supplier in response to a supplier request for a loan comprises:
creating a loan project according to a pre-created financing model, and generating a loan contract;
and inputting loan data according to the loan contract and monitoring the loan project.
4. The pre-loan risk monitoring method according to claim 3, wherein creating a loan program according to a pre-created financing model, generating a loan contract, comprises:
creating a loan project according to a pre-created financing model, and judging whether a core enterprise participates in a loan contract;
if the core enterprise participates in the loan contract, acquiring a core enterprise signing instruction to generate the loan contract;
if the core enterprise does not participate in the loan contract, the contract signing is judged to be completed, and the loan contract is generated.
5. The pre-loan risk monitoring method according to claim 3, wherein the entering of loan data according to a loan contract and the monitoring of loan items comprises:
rechecking the deposit data, and generating a deduction plan after successful rechecking;
and monitoring the loan project according to the deduction plan and deduction rules in the loan contract.
6. The pre-loan risk monitoring method according to claim 3, wherein after entering loan data according to a loan contract and monitoring loan items, the method further comprises:
monitoring balance and running water of an account of a supplier, and generating a report after data analysis is carried out according to the account and the running water of the supplier;
and generating loan early warning for the loan data according to preset rules.
7. A pre-loan risk monitoring apparatus, comprising at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method of pre-credit risk monitoring of any one of claims 1-6.
8. A non-transitory computer-readable storage medium having stored thereon computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform the method of pre-loan risk monitoring according to any of claims 1-6.
9. A computer program product, characterized in that the computer program product comprises a computer program stored on a non-volatile computer-readable storage medium, the computer program comprising program instructions which, when executed by a processor, cause the processor to carry out the pre-credit risk monitoring method according to any one of claims 1-6.
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| CN112241917A (en) * | 2020-10-29 | 2021-01-19 | 深圳供电局有限公司 | Intelligent financial institution pre-loan management method and system |
| CN112862472A (en) * | 2021-03-15 | 2021-05-28 | 深圳市心版图科技有限公司 | Loan payment system based on business display industry chain and loan payment judgment method |
| CN113689279A (en) * | 2021-07-07 | 2021-11-23 | 深圳市鹏海运电子数据交换有限公司 | Logistics financing application and approval method, system and medium |
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