CN112396489A - Personal financial poor-quality asset pack transaction information pushing system - Google Patents
Personal financial poor-quality asset pack transaction information pushing system Download PDFInfo
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- CN112396489A CN112396489A CN202011166398.8A CN202011166398A CN112396489A CN 112396489 A CN112396489 A CN 112396489A CN 202011166398 A CN202011166398 A CN 202011166398A CN 112396489 A CN112396489 A CN 112396489A
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- 238000000034 method Methods 0.000 claims description 8
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- G06Q30/00—Commerce
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention discloses a personal financial bad-fund production package transaction information pushing system, wherein an upstream financial institution and a downstream collection urging institution of a bad-fund production package both need to perform basic information registration in the system; the collection urging mechanism introduces the self condition in the system, marks the good field and the object of the tendency service, and the system records the historical performance of the collection urging mechanism; the system intelligently matches and pushes the information to a collection urging mechanism according to the condition of the bad asset pack, and the collection urging mechanism with the purchase intention gives a corresponding purchase price; the system pushes the collection urging mechanism meeting the conditions to the financial mechanism, namely the collection urging service of the type of the asset package has good effect of money return, the willing buyer has high price, and the willing provides the collection urging mechanism of the asset package and recommends the collection urging mechanism to the financial mechanism; and the transaction is facilitated through bidirectional selection after intelligent pushing, and the sale of the bad asset package to a collection prompting mechanism is completed. The invention solves the problems of low matching degree and poor collection accelerating effect of the existing financial bad assets and corresponding collection accelerating mechanisms.
Description
Technical Field
The invention relates to the technical field of asset management, in particular to a transaction information pushing system for a personal financial poor asset pack.
Background
The bad asset management business is used as a component of the domestic financial market, has the important functions of maintaining the ecological stability of finance and eliminating the systemic risk, and is a stabilizer and a fire extinguisher for domestic economic smooth operation. Therefore, the method has important significance for the whole treatment of the bad assets, the improvement of the level of the business industry, the improvement of the efficiency and the diversification of the treatment means of the bad assets.
Due to the particularity of the industry, the knowledge management in the field of bad asset management also has particularity relative to the financial management of the traditional industry, and the traditional financial management method and system cannot be well adapted to the bad asset management industry. The method is mainly characterized in that: first, the bad asset management knowledge structure is relatively complicated as an object of financial management. Bad assets are usually dealt with by banks to asset management companies in a packaging selling mode, and as the asset management companies taking the bad asset treatment as main business, the bad asset treatment is carried out in various modes such as recombination, debt conversion and the like after being taken into a bad asset package, so that the transaction structure of the bad asset treatment presents diversified characteristics, the knowledge related to the bad asset treatment has wide coverage and complex structure; second, knowledge-related data in the area of bad asset management is less structured. Due to the fact that treatment modes are various, and facing customers are mainly medium-sized and large-sized enterprises, the number of the customers is relatively small, the scale of structured data such as transaction record data is not large, and all reports, overdue reports, management methods, meeting summary, contracts and consolation letters belong to unstructured text data and are large in scale.
And reasonably distributing and selling the bad asset packs, matching the corresponding revenue-hastening institutions and determining the final treatment result of the bad assets. Reasonable matching and pushing can improve the recovery amount of poor assets and resolve the financial and economic contradictions.
Disclosure of Invention
Therefore, the invention provides a system for pushing transaction information of a personal financial bad asset pack, which aims to solve the problems of low matching degree and poor collection prompting effect of the existing financial bad assets and corresponding collection prompting mechanisms.
In order to achieve the above purpose, the invention provides the following technical scheme:
the invention discloses a system for pushing transaction information of a personal financial poor-quality asset pack, which comprises:
the seller of the upstream financial institution and the buyer of the downstream collection urging institution of the bad-quality fund pack both need to carry out basic information registration in the system;
the collection urging mechanism introduces the self condition in the system, marks the good field and the object of the tendency service, and the system records the historical performance of the collection urging mechanism;
the system intelligently matches and pushes the information to a collection urging mechanism according to the condition of the bad asset pack, and the collection urging mechanism with the purchase intention gives a corresponding purchase price;
the system pushes the collection urging mechanism meeting the conditions to the financial mechanism, namely the collection urging service of the type of the asset package has good effect of money return, the willing buyer has high price, and the willing provides the collection urging mechanism of the asset package and recommends the collection urging mechanism to the financial mechanism;
and the transaction is facilitated through bidirectional selection after intelligent pushing, and the sale of the bad asset package to a collection prompting mechanism is completed.
Further, when the urging mechanism marks an adequacy field in the system, the urging mechanism mainly comprises mechanism types aiming at bad asset packs, overdue time intervals, small amount dispersion degrees, arrearage distribution areas and average ages of arrearages.
Further, financial institution inputs the relevant information of bad capital production package into the system, and the system of being convenient for carries out matching according to bad capital production package and urges receiving agency, the relevant information of bad capital production package includes: financial institution nature, account age, transfer times, owing personnel structure, loss rate, amount, area, expediting mode, guarantee condition, whether expediting/exhausting adjustment is available.
Furthermore, the historical service performance of the collection urging mechanism is recorded in the system, and comprises collection urging rate of money, actual transaction price of buying the asset pack, historical service gross amount, collection urging period, service attitude and customer feedback evaluation aiming at different types of bad asset packs.
Further, when the financial institution seeks the poor asset collection service, the system matches the financial institution with a proper collection institution by using an intelligent matching model according to the label of the collection institution and the historical service performance record.
Further, after receiving the bad asset package information, the hastening and collecting mechanism divides and classifies the bad asset package, calculates the purchase pricing of the bad assets according to a formula and a weight coefficient, and feeds back the given purchase price to the financial mechanism.
Further, the specific steps of pricing the bad asset package are as follows:
the method comprises the following steps of splitting financial institutions according to the financial institutions, and dividing the financial institutions into thirteen classes, wherein each class has a basic score;
splitting the asset pack split according to the financial mechanism according to the overdue time period, wherein the overdue time period is divided into ten types by the model, and each type has a basic score;
forming a financial institution and a two-item data table of overdue time period, and obtaining a basic price according to the two basic scores;
meanwhile, the ratio of a basic price to a final price is obtained from the two data tables, and the final price of each point in the two data tables is the basic price and the weight plus the additional price and the weight adjustment coefficient;
determining main influence factors of the additional price and the adjustment coefficient, and performing trial catalysis;
after the final price of each point in the two data tables is determined, the corresponding business volume is combined as the weight, and the comprehensive guide price is measured and calculated;
and (4) scoring by the experts, giving scores to the experts and a floating interval by combining the relevant experts, the wind control, the business personnel and the like with self-known factors, and determining the final price of the bad asset pack.
Furthermore, the financial institution pushes the matched collection urging mechanism to select according to the system intelligence, and the collection urging mechanism selection according to the pushing matches with the property of the asset package, so that the collection urging mechanism has good money return effect of the asset package collection urging service, has high willingness for buying, and willingness for providing the collection urging service of the asset package.
Furthermore, the financial institution terminal sorts, displays and urges the collection institution according to the purchase price, the historical urge collection rate and the historical service total amount of the wish and three dimensions.
Furthermore, a blacklist system is arranged in the system, and financial institutions and collection agencies can set blacklists for specific or certain institutions which do not want to provide transactions, so that the recommendation frequency is reduced and even recommendation is not performed.
The invention has the following advantages:
the invention discloses a personal financial bad-asset package transaction information pushing system, which is characterized in that basic information of a financial institution and basic information of a collection urging institution are input into the system, the bad-asset package is matched with the collection urging institution by using an intelligent matching model according to a label and a historical service condition of the collection urging institution, the most suitable collection urging institution is found for carrying out collection urging service on related bad-asset packages, and the optimal matching pushing is realized. The maximization of the collection of the returned money is realized, and the financial institution can recover the bad assets as much as possible and process the bad accounts.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below. It should be apparent that the drawings in the following description are merely exemplary, and that other embodiments can be derived from the drawings provided by those of ordinary skill in the art without inventive effort.
The structures, ratios, sizes, and the like shown in the present specification are only used for matching with the contents disclosed in the specification, so as to be understood and read by those skilled in the art, and are not used to limit the conditions that the present invention can be implemented, so that the present invention has no technical significance, and any structural modifications, changes in the ratio relationship, or adjustments of the sizes, without affecting the effects and the achievable by the present invention, should still fall within the range that the technical contents disclosed in the present invention can cover.
Fig. 1 is a flowchart of a system for pushing transaction information of a personal financial bad asset pack according to an embodiment of the present invention;
FIG. 2 is a financial institution classification table of the transaction information pushing system of the personal financial bad asset pack according to the embodiment of the present invention;
FIG. 3 is a table showing the partition of the expiration period of the asset pack in the transaction information pushing system for the personal financial disqualified asset pack according to the embodiment of the present invention;
FIG. 4 is a table showing two items of data of a transaction information pushing system for a personal financial bad asset pack according to an embodiment of the present invention;
FIG. 5 is an additional factor table of a transaction information pushing system for a personal financial bad asset pack according to an embodiment of the present invention;
fig. 6 is a trial statistics table of the transaction information pushing system of the personal financial bad-asset package according to the embodiment of the present invention;
fig. 7 is a final pricing table of the bad asset pack of the transaction information pushing system of the personal financial bad asset pack according to the embodiment of the present invention.
Detailed Description
The present invention is described in terms of particular embodiments, other advantages and features of the invention will become apparent to those skilled in the art from the following disclosure, and it is to be understood that the described embodiments are merely exemplary of the invention and that it is not intended to limit the invention to the particular embodiments disclosed. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Examples
The embodiment discloses a system for pushing transaction information of a personal financial poor-quality asset pack, which comprises:
the seller of the upstream financial institution and the buyer of the downstream collection urging institution of the bad-quality fund pack both need to carry out basic information registration in the system;
the collection urging mechanism introduces the self condition in the system, marks the good field and the object of the tendency service, and the system records the historical performance of the collection urging mechanism;
the system intelligently matches and pushes the information to a collection urging mechanism according to the condition of the bad asset pack, and the collection urging mechanism with the purchase intention gives a corresponding purchase price;
the system pushes the collection urging mechanism meeting the conditions to the financial mechanism, namely the collection urging service of the type of the asset package has good effect of money return, the willing buyer has high price, and the willing provides the collection urging mechanism of the asset package and recommends the collection urging mechanism to the financial mechanism;
and the transaction is facilitated through bidirectional selection after intelligent pushing, and the sale of the bad asset package to a collection prompting mechanism is completed.
When the special field is marked in the system, the collection urging mechanism mainly comprises the mechanism type, overdue time period, small amount dispersion degree, arrearage distribution area and average age of the arrearages aiming at bad asset packs. Different collection agencies have different experiences in different areas, different amounts and different types of debtors; for example: for a certain collection urging mechanism, for the Beijing area, the amount of arrears is less than ten million, the arrears are within the age range of 30-40 years, the arrears have a certain collection urging experience, the collection urging repayment rate is higher, the information is marked in the system, and the later-stage matching is facilitated. The historical service performance of the collection urging mechanism is recorded in the system and comprises the collection urging rate of the fund withdrawal rate, the actual transaction price of the purchase fund package, the total amount of the historical service, the collection urging period, the service attitude and the feedback evaluation of the client aiming at different types of bad fund packages.
The financial institution inputs the related information of the bad asset pack into the system, so that the system can conveniently match the collection urging institution according to the bad asset pack; the information related to bad asset packs includes: financial institution nature, account age, transfer times, owing personnel structure, loss rate, amount, area, expediting mode, guarantee condition, whether expediting/exhausting adjustment is available. The more detailed the information of bad asset packs entered by the financial institution can be more accurately matched and pushed to the more appropriate collection institution.
When seeking for the poor asset collection service, the system utilizes an intelligent matching model to match a proper collection agency for the financial institution according to the label of the collection agency and the historical service performance record; the specific matching process is as follows:
firstly, matching collection accelerating mechanisms in the area according to the area of the bad asset pack;
splitting the information of the bad asset pack, determining the amount of the bad assets, and matching with a collection urging mechanism with collection urging experience of related amount experience;
determining the age range and the engaged industry of the arrears and the overdue time of the arrears, matching with a collection urging mechanism which is good for communicating with the age range and is understood to the industry;
and according to the degree of the arrearage dispersion, a whole bad asset pack can be split into a plurality of small bad asset packs, and the small bad asset packs are distributed to a plurality of collection urging mechanisms for collection urging service.
And after receiving the information of the bad asset package, the collection urging mechanism divides and classifies the bad asset package, calculates the purchase pricing of the bad assets according to a formula and a weight coefficient, and feeds back the given purchase price to the financial mechanism.
The specific steps of bad asset pack pricing are as follows:
referring to fig. 2, the financial institutions are divided into thirteen categories according to the financial institutions, and the financial institution categories include: stockmaking banks, national great banks, city businesses, agricultural businesses, internet banks, village banks, cash companies and the like, wherein each type has a basic score;
referring to fig. 3, the assets package split according to the financial institution is split according to the overdue time period, the model divides the overdue time period into ten types, and each type has a basic score;
referring to fig. 4, a financial institution and a two-item data table of overdue time interval are formed, and a basic price is obtained by the two basic scores, and in principle, the shorter the account age is, the better the financial institution is, and the higher the ratio of the basic price is;
meanwhile, the ratio of a basic price to a final price is obtained from the two data tables, and the final price of each point in the two data tables is the basic price and the weight plus the additional price and the weight adjustment coefficient;
referring to fig. 5, the main influencing factors of the additional price and the adjustment coefficient are determined, which mainly include: soft yielding times, non-overdue period repayment rate, debtor average age, social security coverage, guarantor average age, guarantor social security coverage, contact number, borrower contactability rate; performing trial catalysis, and referring to fig. 6, counting the trial-time payment rate, the natural payment rate, the available contact rate, the lost connection repairable rate and the like during the trial catalysis;
after the final price of each point in the two data tables is determined, the corresponding business volume is combined as the weight, and the comprehensive guide price is measured and calculated;
referring to fig. 7, the experts score, and the relevant experts, wind control, business personnel, etc. give the experts a score and a floating interval in combination with their own knowledge factors, and determine the final price of the bad asset package.
The financial institution selects the collection urging mechanism according to the intelligent pushing matching of the system, and the collection urging mechanism selection according to the pushing matches with the property of the asset package, so that the collection urging mechanism has good effect of collecting money for the asset package collection urging service, has high willingness for buying the buyer and provides the collection urging service for the asset package. The financial institution terminal sorts and displays the collection urging mechanism according to the expected purchase price, the historical collection urging rate and the historical service total amount in three dimensions. The best push matching is achieved. After the financial institution selects the matched optimal collection prompting institution, the cooperative intention is initially achieved, and then the collection prompting can be carried out, and the formal collection prompting is carried out according to the collection prompting effect.
And in the collection urging mechanism, intelligent matching is carried out according to the mark information of different collectors, field types and historical performance, and the asset package is matched to the optimal collector.
A blacklist system is arranged in the system, and financial institutions and collection agencies can set blacklists for specific or certain institutions which do not want to provide transactions, so that the recommendation frequency is reduced and even recommendation is not performed. The financial institution and the collection urging institution can mutually evaluate, and the two parties with high cooperation completion degree can preferentially push and match in the subsequent process, so that the best matching is realized.
The invention discloses a personal financial bad-fund production package transaction information pushing system which can realize the optimal matching pushing of a bad-fund production package of a financial institution and a collection urging institution. The maximization of the collection of the returned money is realized, and the financial institution can recover the bad assets as much as possible and process the bad accounts.
Although the invention has been described in detail above with reference to a general description and specific examples, it will be apparent to one skilled in the art that modifications or improvements may be made thereto based on the invention. Accordingly, such modifications and improvements are intended to be within the scope of the invention as claimed.
Claims (10)
1. A system for pushing transaction information of a personal financial bad asset pack, the system comprising:
the seller of the upstream financial institution and the buyer of the downstream collection urging institution of the bad-quality fund pack both need to carry out basic information registration in the system;
the collection urging mechanism introduces the self condition in the system, marks the good field and the object of the tendency service, and the system records the historical performance of the collection urging mechanism;
the system intelligently matches and pushes the information to a collection urging mechanism according to the condition of the bad asset pack, and the collection urging mechanism with the purchase intention gives a corresponding purchase price;
the system pushes the eligible collection urging mechanisms to the financial mechanism, namely the collection urging mechanism for the type of the asset package collection urging service has good effect of money return, the willing buyer has high price, and the willing provides the collection urging mechanism for the type of the asset package, and recommends the collection urging mechanism to the financial mechanism;
and the transaction is facilitated through bidirectional selection after intelligent pushing, and the sale of the bad asset package to a collection prompting mechanism is completed.
2. The system as claimed in claim 1, wherein the collection agency marks the area of excellence in the system, and mainly includes agency type, overdue period, small amount distribution degree, debtor distribution area, and average age of the debtor for the bad asset package.
3. The system as claimed in claim 1, wherein the financial institution enters the relevant information of the bad asset pack into the system, so that the system can match the collection institution according to the bad asset pack, and the relevant information of the bad asset pack includes: financial institution nature, account age, transfer times, owing personnel structure, loss rate, amount, area, expediting mode, guarantee condition, whether expediting/exhausting adjustment is available.
4. The system as claimed in claim 1, wherein the historical service performance records of the collection agencies include collection rate, actual transaction price of buying the asset pack, historical service total, collection period, service attitude, and customer feedback evaluation for different types of the bad asset packs.
5. The system of claim 1, wherein the system matches the financial institution with the appropriate acquirer for the financial institution based on the acquirer's tag and historical service performance record using an intelligent matching model when the financial institution seeks an acquirer-forcing service.
6. The system as claimed in claim 5, wherein the collection agency receives the bad asset package information, divides and classifies the bad asset package, calculates purchase pricing of the bad assets according to a formula and a weight coefficient, and feeds back the given purchase price to the financial institution.
7. The system as claimed in claim 6, wherein the pricing of the bad asset pack comprises the following steps:
the method comprises the following steps of splitting financial institutions according to the financial institutions, and dividing the financial institutions into thirteen classes, wherein each class has a basic score;
splitting the asset pack split according to the financial mechanism according to the overdue time period, wherein the overdue time period is divided into ten types by the model, and each type has a basic score;
forming a financial institution and a two-item data table of the overdue time period, and obtaining a basic price through the basic value split by the financial institution and the basic value divided according to the overdue time period;
meanwhile, the ratio of a basic price to a final price is obtained from the two data tables, and the final price of each point in the two data tables is the basic price and the weight plus the additional price and the weight adjustment coefficient;
determining main influence factors of the additional price and the adjustment coefficient, and performing trial catalysis;
after the final price of each point in the two data tables is determined, the corresponding business volume is combined as the weight, and the comprehensive guide price is measured and calculated;
and (4) scoring by the experts, giving scores to the experts and a floating interval by combining the relevant experts, the wind control, the business personnel and the like with self-known factors, and determining the final price of the bad asset pack.
8. The system of claim 1, wherein the financial institution selects the collection institution intelligently matching with the system, and selects the collection institution matching with the property of the property package according to the collection institution, and the collection institution has good effect of collecting the collected money, high price for the willing to buy, and the willing to provide the collection institution for the collection service of the property package.
9. The system as claimed in claim 8, wherein the financial institution terminal displays the collection incentive institution according to the desired purchase price, the historical collection incentive rate and the historical service total in three dimensions.
10. The system as claimed in claim 1, wherein a blacklist system is provided in the system, and the financial institution and the collection institution can each set a blacklist for a specific or a certain kind of institution that does not want to provide a transaction, which reduces the recommendation frequency and even makes no recommendation.
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| CN112396489B (en) | 2024-02-02 |
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