CN114612214A - Method and device for processing credit limit, storage medium and electronic equipment - Google Patents
Method and device for processing credit limit, storage medium and electronic equipment Download PDFInfo
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Abstract
The embodiment of the application discloses a method and a device for processing credit limit, a storage medium and electronic equipment. In the embodiment of the application, for each enterprise to be trusted in a supply chain system, evaluating a first credit line of the enterprise to be trusted according to the asset data of the enterprise to be trusted; determining downstream enterprises of the enterprise to be trusted according to the enterprise map of the supply chain system; evaluating a second credit line of the enterprise to be credited according to the trade relationship between the enterprise to be credited and the downstream enterprise, wherein the second credit line is used for transferring between the enterprise to be credited and the downstream enterprise; and determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line. Through the scheme of the embodiment of the application, middle and small-sized enterprises located at the chain ends can be helped to obtain higher credit line, the utilization rate of financial resources is improved, and then virtuous circle of an industrial chain is promoted.
Description
Technical Field
The application relates to the technical field of computers, in particular to a method and a device for processing credit limit, a storage medium and electronic equipment.
Background
For supply chain finance, when a financial institution or a credit platform provides financial products for enterprises, the financial institution or the credit platform generally takes independent enterprises as units for evaluation, for example, a market manager of the financial institution firstly collects a client list on the supply chain upstream and downstream, carries out offline and back tone one by one, makes a non-real-time decision basis according to credit investigation of client shareholders and related beneficiaries and the past financial statement condition of the enterprises, and finally evaluates the credit line of the client.
For the assessment scheme of the credit line, the back adjustment and the market service cost are high, and the time consumption is long. Due to the reasons, financial resources incline to the credit line of large enterprises, and small and medium enterprises at the tail end of the chain of the supply chain can obtain very limited financial resources or even cannot obtain the financial resources, so that the utilization rate of the financial resources is low.
Disclosure of Invention
The embodiment of the application provides a method and a device for processing credit limits, a storage medium and electronic equipment, which can improve the utilization rate of financial resources and further promote virtuous circle of an industrial chain.
In a first aspect, an embodiment of the present application provides a method for processing a credit line, including:
for each enterprise to be credited in a supply chain system, evaluating a first credit line of the enterprise to be credited according to the asset data of the enterprise to be credited;
determining downstream enterprises of the enterprises to be credited according to the enterprise maps of the supply chain system;
evaluating a second credit line of the enterprise to be credited according to the trade relationship between the enterprise to be credited and the downstream enterprise, wherein the second credit line is used for transferring between the enterprise to be credited and the downstream enterprise;
and determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line.
In a second aspect, an embodiment of the present application further provides a device for processing a credit line, including:
the first evaluation module is used for evaluating a first credit line of each enterprise to be credited in the supply chain system according to the asset data of the enterprise to be credited;
the relation determining module is used for determining downstream enterprises of the enterprises to be trusted according to the enterprise maps of the supply chain system;
the second evaluation module is used for evaluating a second credit line of the enterprise to be credited according to the trade relationship between the enterprise to be credited and the downstream enterprise, and the second credit line is used for transferring between the enterprise to be credited and the downstream enterprise;
and the total evaluation module is used for determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line.
In a third aspect, an embodiment of the present application further provides a computer-readable storage medium, on which a computer program is stored, and when the computer program runs on a computer, the computer is caused to execute the method for processing the credit line provided in any embodiment of the present application.
In a fourth aspect, an embodiment of the present application further provides an electronic device, including a processor and a memory, where the memory has a computer program, and the processor is configured to execute the method for processing a credit line provided in any embodiment of the present application by calling the computer program.
According to the technical scheme provided by the embodiment of the application, for each enterprise to be credited in a supply chain system, a first credit line is evaluated according to the asset data of the enterprise to be credited, a downstream enterprise of the enterprise to be credited is determined according to an enterprise map of the supply chain system, and a second credit line of the enterprise to be credited is evaluated according to a trade relation between the enterprise to be credited and the downstream enterprise, wherein the second credit line can be used for transferring between the enterprise to be credited and the downstream enterprise; and determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line. Through the scheme, part of the credit line in the integrated credit line of the enterprise to be credited can be transmitted to the downstream enterprises in the supply chain system, so that middle and small-sized enterprises at the tail ends of the chains can obtain higher credit line, the utilization rate of financial resources is improved, and the virtuous circle of an industrial chain is promoted.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a first flowchart illustrating a method for processing a credit line according to an embodiment of the present application.
Fig. 2 is a scene diagram illustrating a multi-tenant grid and credit transfer within the grid in the method for processing a credit line provided in the embodiment of the present application.
Fig. 3 is a schematic diagram illustrating credit transfer and rotation in the method for processing a credit line provided in the embodiment of the present application.
Fig. 4 is a schematic structural diagram of a device for processing a credit line provided in an embodiment of the present application.
Fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. It is to be understood that the embodiments described are only a few embodiments of the present application and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without inventive step, are within the scope of the present application.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
The embodiment of the present application provides a method for processing a credit line, where an execution main body of the method for processing a credit line may be a processing device of a credit line provided in the embodiment of the present application, or an electronic device integrated with the processing device of a credit line, where the processing device of a credit line may be implemented in a hardware or software manner. The electronic device may be a server, and the server may be an individual server or a server cluster.
Referring to fig. 1, fig. 1 is a first flowchart illustrating a method for processing a credit line according to an embodiment of the present application. The specific flow of the method for processing the credit line provided by the embodiment of the application can be as follows:
101. and for each enterprise to be credited in the supply chain system, evaluating a first credit line of the enterprise to be credited according to the asset data of the enterprise to be credited.
In the embodiment of the application, an enterprise graph is constructed for a supply chain system, wherein multi-tenancy is formed by customer groups with direct trading on and off at the upstream and downstream of the supply chain, and the group relationship of the multi-tenancy is a grid. The enterprise graph includes a plurality of multi-tenant grids, each multi-tenant grid including one first level enterprise in the supply chain system and multi-level downstream enterprises of the first level enterprise. These multi-tenant grids are collectively managed by the platform. The platform can be a financial institution such as a bank, the tenants refer to each enterprise in the supply chain system, and one tenant is one enterprise.
For each multi-tenant grid, the enterprises are classified from top to bottom and are composed of levels 1 to M, wherein M shares the same instance service, and the instance service refers to a computer program for executing the processing method of credit line in the embodiment of the application.
In a multi-tenant grid, the first level enterprise with the highest hierarchy is responsible for upstream overall maintenance and downstream overall orchestration, including but not limited to join, exit, merge orchestration transactions directly downstream. The first-level to M-1-level agents are respectively responsible for enterprise relationship maintenance and management of downstream customer information, prepayment, deposit and the like. In addition, the export of the trade data for the businesses in the multi-tenant grid is managed by the first level business, that is, data for businesses other than the first level business in the multi-tenant grid is sent to the platform via the first level business.
In practical applications, a multi-tenant grid may correspond to a region, for example, a platform may spread services nationwide, and for its nationwide customers, a multi-tenant module may be constructed according to the relationship between multi-level enterprises in a province or a city, in such a way that the platform can construct a plurality of multi-tenant grids nationwide. In addition, the platform can also give corresponding weight to each multi-tenant grid according to the data such as the scale and the flow of each multi-tenant grid, and the larger the scale is, the higher the weight of the multi-tenant grid with larger flow is, and the higher the weight is, the higher the credit granting amount which can be acquired by the multi-tenant grid from the platform is.
After the enterprise map is determined in the above manner, the credit line of the enterprise in the supply chain system is determined in the following manner.
In the embodiment of the application, the credit lines of an enterprise are classified into two categories, including a first credit line and a second credit line. The first credit line is a conventional credit line, is mainly related to the production and operation of the enterprise, and includes but is not limited to the following subclasses: purchase, sale, storage, consumption, etc. The financial resources that the enterprise applies for from the platform based on the first amount of credit may be used in several categories as described above. The second credit line is a mobile credit line, and can also be a temporary credit line, and the temporary credit line can be used for credit increment of downstream enterprises with direct trade relations of the enterprise. As shown in fig. 2, fig. 2 is a scene diagram illustrating a multi-tenant grid and credit delivery within the grid in the method for processing credit line provided by the embodiment of the present application. For ease of illustration, only 1 level M-1 enterprise is shown, and there may be one or more in practice. The specific credit transfer will be described in detail below.
For an enterprise to be trusted, when determining the credit line of the enterprise to be trusted, first, evaluating and obtaining a first credit line of the enterprise to be trusted according to the asset data of the enterprise to be trusted.
102. And determining downstream enterprises of the enterprises to be trusted according to the enterprise maps of the supply chain system.
And then, determining the downstream enterprises of the enterprise to be credited according to the enterprise map. Specifically, a multi-tenant grid where the enterprise to be trusted is located is determined, and then the downstream enterprise of the enterprise to be trusted is determined according to the upstream-downstream relationship of each enterprise in the multiple groups of grids.
Here, the downstream enterprise here refers to a downstream enterprise having a direct trade relationship with the enterprise to be trusted.
103. And evaluating a second credit line of the enterprise to be credited according to the trade relation between the enterprise to be credited and the downstream enterprise, wherein the second credit line is used for transferring between the enterprise to be credited and the downstream enterprise.
And after determining the downstream enterprise of the enterprise to be credited, evaluating a second credit line of the enterprise to be credited according to the trade relation between the enterprise to be credited and the downstream enterprise.
According to the above, the second credit line can be used for transferring between the enterprise to be credited and the downstream enterprise. The second credit line has no direct transaction property and is a credit voucher. And the method does not have the circulation and transfer effect outside the multi-tenant grid, the transfer can only occur in the multi-tenant grid, and the transfer can be performed between upstream and downstream enterprises with direct trade relations in the multi-tenant grid.
In an embodiment, a computer program for executing the method for processing a credit line in the embodiment of the present application provides a credit transfer medium, and the credit transfer medium may also be understood as a part of the computer program. And the upstream and downstream enterprises in the multi-tenant grid carry out credit transfer through the credit transfer medium. For example, the enterprise B is a downstream enterprise of the enterprise a, after the confirmation of the real will of both the enterprise a and the enterprise B, the application is initiated to the platform, a part of the second credit line of the enterprise a can be transferred to the enterprise B through the credit transfer medium, and after the transfer is completed, the enterprise B can request the financial resource from the platform based on the transferred credit line.
104. And determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line.
For an enterprise to be credited, determining a first credit line and a second credit line of the enterprise, wherein the sum of the first credit line and the second credit line is an integrated credit line of the enterprise to be credited.
In some embodiments, after determining the integrated credit line of the enterprise to be trusted according to the first credit line and the second credit line, the method further includes: and for each multi-tenant grid in the enterprise map, determining a total integrated limit corresponding to the multi-tenant grid according to the sum of the integrated credit lines of the enterprises to be credited in the multi-tenant grid and the weight coefficient corresponding to the multi-tenant grid.
For a multi-tenant grid, after the integrated credit line of each enterprise to be credited is determined, the total integrated line of the multi-tenant grid can be obtained, and the platform can give the total integrated line to the multi-tenant grid through the first-level enterprise of the multi-tenant grid and distribute the total integrated line to each enterprise to be credited.
Furthermore, as described above, in some embodiments, the platform may set a weight coefficient for each multi-tenant grid according to information such as the scale of each multi-tenant grid, for example, the weight coefficient of the multi-tenant grid C1 is 1, and the weight coefficient of the multi-tenant grid C2 is 0.9, so for the multi-tenant grid C2, the total credit line k given by the platform may be 0.9 × the sum of the integrated credit lines of the enterprises to be trusted within the multi-tenant grid C2.
In an embodiment, any enterprise in a multi-tenant grid can be used as an enterprise to be credited, and the integrated credit line is determined according to the above manner.
Alternatively, in another embodiment, for businesses in the multi-tenant grid that are located at a leaf node, i.e., at the end of the supply chain, these businesses are typically small to medium sized businesses that do not have their own downstream businesses and therefore do not need to pass credit to other businesses, but may request that credit be obtained from the transient credits of their upstream businesses for their own operations. Therefore, in this embodiment, only the enterprise that is not a leaf node in the multi-tenant grid may be used as the enterprise to be trusted, and the integrated credit line may be determined according to the above manner. For small and medium-sized enterprises with leaf nodes, the two types of credit limit calculation are not required to be classified according to the mode, but the credit transfer credit limit is directly applied for daily operation from the upstream enterprise, and the integrated credit limit is not calculated independently for the small and medium-sized enterprises.
In some embodiments, after determining the integrated credit line of the enterprise to be trusted according to the first credit line and the second credit line, the method further includes: determining a target transfer limit according to the credit transfer application, and a credit transfer enterprise and a credit receiving enterprise of the credit transfer behavior, wherein the credit receiving enterprise is a downstream enterprise of the credit transfer enterprise; and transferring the target transfer limit to the account of the credit receiving enterprise from the account of the second credit limit of the credit transfer enterprise.
The embodiment provides a specific implementation mode of transferring the credit line between upstream and downstream enterprises. For example, enterprise B is a downstream enterprise of enterprise a, and enterprise B is located at a leaf node, with no direct credit line given by the platform. The enterprise A and the enterprise B achieve an agreement that the enterprise A transmits the credit line of 100 ten thousand RMB to the enterprise B through the confirmation of the real wishes of the two parties, and then the enterprise A initiates an application to the platform based on the agreement. The platform determines that the target transfer amount is 100 million RMB according to the credit transfer application, the credit transfer enterprise of the credit transfer behavior is an enterprise A, and the credit receiving enterprise is an enterprise B. And the platform determines that the enterprise B is a downstream enterprise of the enterprise A according to the relationship among the enterprises in the multi-tenant grid. Then, the platform transfers the target transfer amount to the account of the credit receiving enterprise from the account of the second credit line of the credit transfer enterprise. After the transfer, the account of the second credit line of the enterprise A can be reduced by 100 ten thousand, the account of the enterprise B can be increased by 100 credit lines, and after the enterprise B obtains the credit lines, financial resources can be applied from the platform according to the credit lines for production and management of the enterprise B. By the method, the client can express a more real credit intention based on the industrial chain, the efficiency of the industrial chain is improved, the credit can be better transmitted to small and medium-sized enterprises in the downstream area, and the virtuous circle of the industrial chain is promoted. And the application provides a management method of discrete customers on the supply chain, and the customer acquisition cost of a platform side is reduced.
It was described above that the second credit line of the enterprise may be used to increase credit for its downstream enterprises. In some embodiments, the second credit line of the enterprise can also be used for supplementing the first credit line of the enterprise. For example, the enterprise D acquires 1000 ten thousand first credit lines and applies for 300 thousand second credit lines. However, if the actual production operation finds that 1000 ten thousand first credit lines do not meet the requirements of the production operation place, the first credit line can be applied to transfer part or all of the second credit line to supplement the first credit line.
In some embodiments, the target delivery amount is determined based on a second credit line of the credit delivery enterprise and an affinity factor between the credit delivery enterprise and the credit receiving enterprise. After transferring the target transfer line to the account of the credit receiving enterprise from the account of the second credit line of the credit transfer enterprise, the method also comprises the following steps: and updating the affinity coefficient between the credit transfer enterprise and the credit receiving enterprise according to the credit transfer behavior.
In this embodiment, when determining the required target transfer amount between the credit delivering enterprise and the credit receiving enterprise, the determination may be made according to the second credit line of the credit delivering enterprise and the closeness between the two enterprises. The target transfer amount cannot exceed the second credit amount. In addition, the affinity coefficient of the two enterprises may be set by the credit delivering enterprise according to the trade relationship between the two enterprises or through information such as asset assessment of the credit receiving enterprise, and the higher the affinity coefficient is, the higher the credit line transferred from the credit delivering enterprise to the credit receiving enterprise may be. In addition, the credit transfer behavior itself can be used as an affinity event, and after the sequential credit transfer between the credit transfer enterprise and the credit receiving enterprise is completed, the affinity coefficient between the credit transfer enterprise and the credit receiving enterprise can be updated according to the credit transfer behavior, for example, the affinity coefficient is increased. In other embodiments, the credit receiving enterprise may also transmit the purchasing behavior of the odd enterprise to the credit, etc. as an affinity event.
In some embodiments, after transferring the target transfer amount to the account of the credit receiving enterprise from the account of the second credit line of the credit transfer enterprise, the method further comprises: monitoring the use information of the credit receiving enterprise on the target transfer limit; when monitoring that the use information of the credit receiving enterprise on the target transfer quota meets the non-preset condition, determining a rotation quota according to the use information, wherein the rotation quota is less than or equal to the target transfer quota; and turning the turning credit line to an account of a second credit line of the credit transfer enterprise.
In this embodiment, after transferring the target transfer amount to the account of the credit receiving enterprise from the account of the second credit line of the credit delivering enterprise, the credit receiving enterprise needs to use the transfer amount according to a certain condition, otherwise, the platform returns the credit line not meeting the use requirement to the credit delivering enterprise. Through the management of the credit line using mode, effective risk control is achieved, and loss of upstream enterprises is avoided. Referring to fig. 3, fig. 3 is a schematic diagram illustrating credit transfer and rotation in the method for processing a credit line provided by the embodiment of the present application.
For example, as an alternative embodiment, when it is detected that the credit accepting enterprise does not initiate a loan application within a preset time interval, the target transfer amount is determined as the return amount.
After the target transfer limit is transferred, the credit receiving enterprise needs to use within the appointed time, if the credit receiving enterprise is not used within the appointed time, all the transfer limits are determined as the rotation limit, and the rotation limit is transferred back to the account of the temporary credit limit of the upstream enterprise through the original path.
Or, for another example, when it is detected that the loan amount of the credit receiving enterprise initiating the loan application within the preset time interval is smaller than the target transfer amount, determining the remaining amount of the target transfer amount excluding the loan amount as the rotation amount.
After the target transfer amount is transferred, the credit receiving enterprise needs to use within the appointed time and use the credit receiving enterprise at one time in full, if the credit receiving enterprise is monitored to initiate the debit and credit application within the preset time interval, the remaining unused credit line is used as a rotary line and is transferred back to the account of the temporary credit line of the upstream enterprise through the original path when the debit and credit line is smaller than the target transfer amount.
The above two examples of the preset conditions are only for illustration, and in other embodiments, the preset conditions may be set by the platform or the credit transfer enterprise as required.
In particular implementation, the present application is not limited by the execution sequence of the described steps, and some steps may be performed in other sequences or simultaneously without conflict.
As can be seen from the above, in the method for processing credit lines provided in the embodiment of the present application, for each to-be-trusted enterprise in the supply chain system, a first credit line is evaluated according to the asset data of the to-be-trusted enterprise, a downstream enterprise of the to-be-trusted enterprise is determined according to an enterprise map of the supply chain system, and then a second credit line of the to-be-trusted enterprise is evaluated according to a trade relationship between the to-be-trusted enterprise and the downstream enterprise, where the second credit line may be used for transferring between the to-be-trusted enterprise and the downstream enterprise; and determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line. Through the scheme, part of the credit line in the integrated credit line of the enterprise to be credited can be transmitted to the downstream enterprises in the supply chain system, so that middle and small-sized enterprises at the tail ends of the chains can obtain higher credit line, the utilization rate of financial resources is improved, and the virtuous circle of an industrial chain is promoted.
In one embodiment, a device for processing credit limit is also provided. Referring to fig. 4, fig. 4 is a schematic structural diagram of a processing device 300 for credit line provided in the embodiment of the present application. The processing apparatus 300 of the credit line is applied to an electronic device, and the processing apparatus 300 of the credit line includes:
the first evaluation module 301 is configured to evaluate, for each to-be-trusted enterprise in the supply chain system, a first credit line of the to-be-trusted enterprise according to the asset data of the to-be-trusted enterprise;
a relationship determining module 302, configured to determine, according to the enterprise graph of the supply chain system, a downstream enterprise of the enterprise to be trusted;
a second evaluation module 303, configured to evaluate a second credit line of the enterprise to be credited according to the trade relationship between the enterprise to be credited and the downstream enterprise, where the second credit line is used for transferring between the enterprise to be credited and the downstream enterprise;
and the total evaluation module 304 is configured to determine an integrated credit line of the enterprise to be credited according to the first credit line and the second credit line.
In some embodiments, the enterprise graph comprises a plurality of multi-tenant grids, each multi-tenant grid comprising a first level enterprise in the supply chain system and multiple levels of downstream enterprises from the first level enterprise; the overall evaluation module 304 is used to: and for each multi-tenant grid in the enterprise map, determining a total integrated amount corresponding to the multi-tenant grid according to the sum of the integrated credit line of each enterprise to be credited in the multi-tenant grid and the weight coefficient corresponding to the multi-tenant grid.
In some embodiments, the apparatus 300 further comprises:
the credit transfer module is used for determining a target transfer limit and a credit transfer enterprise and a credit receiving enterprise of a credit transfer behavior according to a credit transfer application, wherein the credit receiving enterprise is a downstream enterprise of the credit transfer enterprise; and transferring the target transfer amount to the account of the credit receiving enterprise from the account of the second credit line of the credit transfer enterprise.
In some embodiments, the target transfer amount is determined based on a second credit line of the credit transfer enterprise and an affinity coefficient between the credit transfer enterprise and the credit receiving enterprise;
the apparatus 300 further comprises:
and the credit updating module is used for updating the closeness coefficient between the credit transmitting enterprise and the credit receiving enterprise according to the credit transmitting behavior.
In some embodiments, the credit transfer module is used for monitoring the use information of the target transfer limit by the credit receiving enterprise;
when monitoring that the use information of the credit receiving enterprise on the target transfer limit meets a non-preset condition, determining a rotation limit according to the use information, wherein the rotation limit is smaller than or equal to the target transfer limit;
and turning the turning credit line to an account of the second credit line of the credit transfer enterprise.
In some embodiments, the credit transfer module is configured to determine the target transfer amount as a rotation amount when it is detected that the credit receiving enterprise does not initiate a loan application within a preset time interval;
or when it is monitored that the loan amount of the credit receiving enterprise initiating the loan application in the preset time interval is smaller than the target transfer amount, determining the remaining amount of the target transfer amount except the loan amount as a rotation amount.
In some embodiments, the first evaluation module 301 is configured to determine an enterprise located at a non-leaf node in the enterprise graph as an enterprise to be trusted.
It should be noted that the processing device for the credit line provided in the embodiment of the present application and the processing method for the credit line in the foregoing embodiments belong to the same concept, and any method provided in the embodiment of the processing method for the credit line can be implemented by the processing device for the credit line, and the specific implementation process of the method is described in the embodiment of the processing method for the credit line, and is not described herein again.
As can be seen from the above, the processing device for credit line provided in this embodiment of the application evaluates, for each to-be-trusted enterprise in the supply chain system, a first credit line according to the asset data of the to-be-trusted enterprise, determines a downstream enterprise of the to-be-trusted enterprise according to an enterprise map of the supply chain system, and further evaluates a second credit line of the to-be-trusted enterprise according to a trade relationship between the to-be-trusted enterprise and the downstream enterprise, where the second credit line may be used for transferring between the to-be-trusted enterprise and the downstream enterprise; and determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line. Through the scheme, part of the credit line in the integrated credit line of the enterprise to be credited can be transmitted to the downstream enterprises in the supply chain system, so that middle and small-sized enterprises at the tail ends of the chains can obtain higher credit line, the utilization rate of financial resources is improved, and the virtuous circle of an industrial chain is promoted.
The embodiment of the application also provides the electronic equipment. In one embodiment, the electronic device may be a platform side, such as a server or a server cluster set up by a financial institution. Referring to fig. 5, fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure. The electronic device 400 comprises a processor 401 and a memory 402. The processor 401 is electrically connected to the memory 402.
The processor 401 is a control center of the electronic device 400, connects various parts of the entire electronic device using various interfaces and lines, and performs various functions of the electronic device and processes data by running or calling a computer program stored in the memory 402 and calling data stored in the memory 402, thereby performing overall monitoring of the electronic device.
In this embodiment, the processor 401 in the electronic device 400 loads instructions corresponding to one or more processes of the computer program into the memory 402 according to the following steps, and the processor 401 runs the computer program stored in the memory 402, so as to implement various functions:
for each enterprise to be credited in a supply chain system, evaluating a first credit line of the enterprise to be credited according to the asset data of the enterprise to be credited;
determining downstream enterprises of the enterprise to be trusted according to the enterprise map of the supply chain system;
evaluating a second credit line of the enterprise to be credited according to the trade relationship between the enterprise to be credited and the downstream enterprise, wherein the second credit line is used for transferring between the enterprise to be credited and the downstream enterprise;
and determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line.
In view of the above, an embodiment of the present application provides an electronic device, where, for each to-be-trusted enterprise in a supply chain system, the electronic device evaluates a first credit line according to asset data of the to-be-trusted enterprise, determines a downstream enterprise of the to-be-trusted enterprise according to an enterprise map of the supply chain system, and further evaluates a second credit line of the to-be-trusted enterprise according to a trade relationship between the to-be-trusted enterprise and the downstream enterprise, where the second credit line may be used for transferring between the to-be-trusted enterprise and the downstream enterprise; and determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line. Through the scheme, part of the credit line in the integrated credit line of the enterprise to be credited can be transmitted to the downstream enterprises in the supply chain system, so that middle and small-sized enterprises at the tail ends of the chains can obtain higher credit line, the utilization rate of financial resources is improved, and the virtuous circle of an industrial chain is promoted.
The embodiment of the present application further provides a computer-readable storage medium, where a computer program is stored in the computer-readable storage medium, and when the computer program runs on a computer, the computer executes the method for processing the credit line according to any one of the above embodiments.
It should be noted that, all or part of the steps in the methods of the above embodiments may be implemented by hardware related to instructions of a computer program, which may be stored in a computer readable storage medium, which may include, but is not limited to: read Only Memory (ROM), Random Access Memory (RAM), magnetic or optical disks, and the like.
Furthermore, the terms "first", "second", and "third", etc. in this application are used to distinguish different objects, and are not used to describe a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or modules is not limited to only those steps or modules listed, but rather, some embodiments may include other steps or modules not listed or inherent to such process, method, article, or apparatus.
The method, the apparatus, the storage medium, and the electronic device for processing the credit line provided in the embodiments of the present application are described in detail above. The principle and the embodiment of the present application are explained by applying specific examples, and the above description of the embodiments is only used to help understand the method and the core idea of the present application; meanwhile, for those skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (10)
1. A method for processing credit limit is characterized by comprising the following steps:
for each enterprise to be credited in a supply chain system, evaluating a first credit line of the enterprise to be credited according to the asset data of the enterprise to be credited;
determining downstream enterprises of the enterprise to be trusted according to the enterprise map of the supply chain system;
evaluating a second credit line of the enterprise to be credited according to the trade relationship between the enterprise to be credited and the downstream enterprise, wherein the second credit line is used for transferring between the enterprise to be credited and the downstream enterprise;
and determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line.
2. The method of claim 1, wherein the enterprise graph comprises a plurality of multi-tenant grids, each multi-tenant grid comprising a first level enterprise in the supply chain system and multiple levels of downstream enterprises from the first level enterprise;
after the integrated credit line of the enterprise to be credited is determined according to the first credit line and the second credit line, the method further comprises the following steps:
and for each multi-tenant grid in the enterprise map, determining a total integrated amount corresponding to the multi-tenant grid according to the sum of the integrated credit line of each enterprise to be credited in the multi-tenant grid and the weight coefficient corresponding to the multi-tenant grid.
3. The method as claimed in claim 2, wherein after determining the integrated credit line of the enterprise to be trusted according to the first credit line and the second credit line, the method further comprises:
determining a target transfer limit according to a credit transfer application, and a credit transfer enterprise and a credit receiving enterprise of a credit transfer behavior, wherein the credit receiving enterprise is a downstream enterprise of the credit transfer enterprise;
and transferring the target transfer amount to the account of the credit receiving enterprise from the account of the second credit line of the credit transfer enterprise.
4. The method as set forth in claim 3, wherein the target transfer amount is determined based on a second credit line of the credit transfer enterprise and an affinity coefficient between the credit transfer enterprise and the credit receiving enterprise;
after the target transfer amount is transferred to the account of the credit receiving enterprise from the account of the second credit line of the credit transfer enterprise, the method further comprises the following steps:
updating an affinity coefficient between the credit delivering enterprise and the credit receiving enterprise according to the credit delivering behavior.
5. The method as set forth in claim 3, wherein after transferring the target transfer amount to the account of the credit receiving enterprise from the account of the second credit line of the credit transfer enterprise, the method further comprises:
monitoring the use information of the credit receiving enterprise on the target transfer limit;
when monitoring that the use information of the credit receiving enterprise on the target transfer limit meets a non-preset condition, determining a rotation limit according to the use information, wherein the rotation limit is smaller than or equal to the target transfer limit;
and turning the turning credit line to an account of the second credit line of the credit transfer enterprise.
6. The method as claimed in claim 5, wherein the determining of the rotation credit line according to the usage information when it is monitored that the usage information of the credit accepting enterprise to the target transfer credit line satisfies a non-preset condition comprises:
when it is monitored that the credit receiving enterprise does not initiate loan application in a preset time interval, determining the target transfer amount as a rotary amount;
or when it is monitored that the loan amount of the credit receiving enterprise initiating the loan application in the preset time interval is smaller than the target transfer amount, determining the remaining amount of the target transfer amount except the loan amount as a rotation amount.
7. The method as claimed in any one of claims 1 to 6, wherein for each enterprise to be credited in the supply chain system, before evaluating a first credit line of the enterprise to be credited according to the asset data of the enterprise to be credited, the method further comprises:
and determining the enterprises positioned at the non-leaf nodes in the enterprise map as the enterprises to be trusted.
8. A credit line processing device, comprising:
the first evaluation module is used for evaluating a first credit line of each enterprise to be credited in the supply chain system according to the asset data of the enterprise to be credited;
the relation determining module is used for determining downstream enterprises of the enterprises to be trusted according to the enterprise maps of the supply chain system;
the second evaluation module is used for evaluating a second credit line of the enterprise to be credited according to the trade relationship between the enterprise to be credited and the downstream enterprise, and the second credit line is used for transferring between the enterprise to be credited and the downstream enterprise;
and the total evaluation module is used for determining the integrated credit line of the enterprise to be credited according to the first credit line and the second credit line.
9. A computer-readable storage medium on which a computer program is stored, which, when run on a computer, causes the computer to execute the method of processing a credit line according to any one of claims 1 to 7.
10. An electronic device comprising a processor and a memory, wherein the memory stores a computer program, and the processor is configured to execute the method for processing the credit line according to any one of claims 1 to 7 by calling the computer program.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210225140.3A CN114612214A (en) | 2022-03-09 | 2022-03-09 | Method and device for processing credit limit, storage medium and electronic equipment |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210225140.3A CN114612214A (en) | 2022-03-09 | 2022-03-09 | Method and device for processing credit limit, storage medium and electronic equipment |
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| CN114612214A true CN114612214A (en) | 2022-06-10 |
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| CN202210225140.3A Pending CN114612214A (en) | 2022-03-09 | 2022-03-09 | Method and device for processing credit limit, storage medium and electronic equipment |
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| Country | Link |
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| CN (1) | CN114612214A (en) |
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