CN115511615A - Method and device for determining unit loan guarantee mode - Google Patents
Method and device for determining unit loan guarantee mode Download PDFInfo
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Abstract
The application discloses a method and a device for determining a guarantee mode of unit loan, which can be applied to the technical field of finance. In the method, a security product number set related to an account is obtained based on the related information of the account of a unit loan, and the security product number in the security product number set is used for identifying the security product of the account; then, based on the security product number set, the security product information table and the guarantee information table, determining a valid security product; thus, based on the available collateral, the collateral for the unit loan is determined, which is a mortgage, guarantee, or credit. Therefore, the credible system and data in the upstream are fully utilized, the guarantee mode of unit loan is accurately and efficiently determined through a simple logic flow by means of the known data, and the use experience of the bank system for unit users is improved.
Description
Technical Field
The application relates to the technical field of finance, in particular to a method and a device for determining a guarantee mode of unit loan.
Background
For banks, unit loans are an important business branch. When a Company Credit Management System (CCMS) of a bank determines a guarantee mode of unit loan, usually, after the loan is issued, a branch service worker manually inputs the guarantee mode into the bank system, and data inevitably has partial deviation; moreover, the current banking system may not record the guarantee contract information, cannot directly reflect the relationship between the debt item and the guarantee, and only can process the guarantee mode for generating the debt item by defining a complex judgment rule, so that the process of determining the guarantee mode is complex, and the labor and time cost is wasted.
Disclosure of Invention
The embodiment of the application provides a method and a device for determining a guarantee mode of unit loan, which fully utilize the existing and credible system and data, can accurately determine the guarantee mode of the unit loan, and have the advantages of low cost, small risk and simple realization.
In a first aspect, an embodiment of the present application provides a method for determining a guarantee mode of a unit loan, where the method may include:
obtaining a security product number set related to an account based on the related information of the account of the unit loan, wherein the security product number in the security product number set is used for identifying the security product of the account;
determining an effective guaranty based on the set of guaranty numbers, the security information table, and the assurance information table;
and determining the guarantee mode of the unit loan based on the valid guarantee, wherein the guarantee mode is a pledge, a guarantee or a credit.
Optionally, the method further comprises:
obtaining hierarchical Management information of each unit from a Global Limit Management System (GLMS), wherein the hierarchical Management information includes associated information of the account;
the deposit information table and the warranty information table are obtained from a Global slow release Management System (GRMS).
Optionally, the obtaining, based on the associated information of the account of the unit loan, a set of security numbers associated with the account includes:
if the account has a directly associated first security product number, obtaining the first security product number;
if the account is associated with the amount, the type of the amount associated with the account is obtained, and the corresponding security product number is obtained based on the type of the amount.
Optionally, the obtaining a corresponding guaranty number based on the amount type includes:
if the limit type comprises a product layer, a second security product number is obtained based on the limit number, the limit level serial number and the limit layer serial number;
if the limit type comprises a combined layer, obtaining a third security product number based on the limit number association;
and if the limit type comprises a total amount item layer, obtaining a fourth guaranty number based on the association of the client number and the credit category.
Optionally, the determining a valid collateral based on the set of collateral numbers, the collateral information table, and the assurance information table includes:
if a fifth security product number in the security product number set exists in the security product information table and is in a valid state, determining a first security product corresponding to the fifth security product number;
and if a sixth security product number in the security product number set exists in the guarantee information table and is in a valid state, determining a second guarantee corresponding to the sixth security product number.
Optionally, the determining a guarantee mode for the unit loan based on the valid guarantee comprises:
if the valid security product comprises an escort, determining that the security mode is an offset escort;
if the valid warranty includes a warranty but does not include an escort, determining that the warranty mode is warranty;
if the valid collateral includes only credits, determining that the collateral is credits.
In a second aspect, an embodiment of the present application further provides a method for determining a guarantee mode of a unit loan, including:
a first obtaining unit, configured to obtain, based on association information of an account of a unit loan, a set of security numbers associated with the account, where a security number in the set of security numbers is used to identify a security of the account;
a first determination unit configured to determine a valid security item based on the set of security item numbers, the security information table, and the assurance information table;
and a second determining unit, which is used for determining the guarantee mode of the unit loan based on the valid guarantee, wherein the guarantee mode is the mortgage, the guarantee or the credit.
Optionally, the apparatus further comprises:
a second obtaining unit, configured to obtain hierarchical management information of each unit from a global credit management system GLMS, where the hierarchical management information includes the association information of the account;
and the third obtaining unit is used for obtaining the escort information table and the guarantee information table from a global slow release management system GRMS.
Optionally, the first obtaining unit includes:
a first obtaining subunit, configured to obtain a first security product number if a directly associated first security product number exists in the account;
and the second obtaining subunit is used for obtaining the account associated quota type if the account is associated with the quota, and obtaining the corresponding security product number based on the quota type.
Optionally, the second obtaining subunit is specifically configured to:
if the limit type comprises a product layer, a second security product number is obtained based on the limit number, the limit level serial number and the limit layer serial number;
if the limit type comprises a combined layer, obtaining a third security product number based on the limit number association;
and if the limit type comprises a total amount item layer, obtaining a fourth security product number based on the association of the client number and the credit type.
Optionally, the first determining unit includes:
a first determining subunit, configured to determine a first security deposit corresponding to a fifth security deposit number in the set of security deposit numbers if the fifth security deposit number exists in the security deposit information table and is in a valid state;
and a second determining subunit, configured to determine a second guarantee corresponding to a sixth security item number in the security item number set if the sixth security item number exists in the guarantee information table and is in a valid state.
Optionally, the second determining unit includes:
a third determining subunit, configured to determine that the guarantee manner is an overdue guarantee if the valid guarantee includes a guarantee;
a fourth determining subunit, configured to determine that the guarantee mode is guaranteed if the valid guarantee includes a guarantee but does not include an escort;
a fifth determining subunit, configured to determine that the guarantee manner is credit if the valid guarantee includes only credit.
In a third aspect, an embodiment of the present application further provides an electronic device, where the electronic device includes a processor and a memory:
the memory is used for storing a computer program;
the processor is configured to perform the method provided by the first aspect above according to the computer program.
In a fourth aspect, this application embodiment further provides a computer-readable storage medium, where the computer-readable storage medium is used to store a computer program, where the computer program is used to execute the method provided in the first aspect.
Therefore, the embodiment of the application has the following beneficial effects:
the embodiment of the application provides a method for determining a guarantee mode of unit loan, which can comprise the following steps: the method comprises the steps that a guarantee mode determining device of unit loan firstly obtains a guarantee item number set related to an account based on related information of the account of the unit loan, wherein the guarantee item number in the guarantee item number set is used for identifying a guarantee item of the account; then, the unit loan guarantee mode determination device determines the valid guarantee based on the guarantee item number set, the guarantee information table and the guarantee information table; accordingly, the guarantee mode determination device of the unit loan determines the guarantee mode of the unit loan based on the valid guarantee, wherein the guarantee mode is the mortgage, the guarantee or the credit. Therefore, the bank system does not need to develop a new subsystem for realizing the function of determining the guarantee mode of the unit loan, and does not need to newly acquire related data of the account of the unit loan, and the guarantee mode is the dimension of requiring the financial institution to report by the supervision institutions such as the pedestrian, the bank prisoner and the like, and has higher requirements on data quality and system stability, so that the embodiment of the application fully utilizes the credible upstream system and data, accurately and efficiently determines the guarantee mode of the unit loan by means of the known data through a simple logic flow, and improves the use experience of the bank system for unit users.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, 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 described in the present invention, and it is obvious for those skilled in the art to obtain other drawings according to these drawings.
Fig. 1 is a schematic flowchart illustrating a method for determining a guarantee mode of a unit loan according to an embodiment of the present disclosure;
fig. 2 is a schematic structural diagram of a slow-release debt item in an embodiment of the present application;
FIG. 3 is a flowchart illustrating an example of a method for determining a guarantee mode of a unit loan in an embodiment of the present application;
FIG. 4 is a schematic flow chart illustrating an example of determining a warranty approach after a warranty is known in an embodiment of the present application;
fig. 5 is a schematic structural diagram of an apparatus 500 for determining a guarantee mode of a unit loan according to an embodiment of the present disclosure;
fig. 6 is a schematic structural diagram of an electronic device 600 according to an embodiment of the present application.
Detailed Description
It should be noted that the method and the device for determining the guarantee mode of unit loan, provided by the invention, can be used in the field of big data, the field of computer technology or the field of finance. The above description is only an example, and does not limit the application field of the method and apparatus for determining the guarantee mode of unit loan provided by the present invention.
The unit loan guarantee mode determining method and device provided by the invention can be used in the field of big data, the field of computer technology, the field of finance or other fields, for example, can be used in a bank system to determine the guarantee mode scene of unit loan. The other fields are any fields except the field of big data, the field of computer technology, and the field of finance. The above description is only an example, and does not limit the application field of the method and apparatus for determining the guarantee mode of unit loan provided by the present invention.
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, embodiments accompanying the drawings are described in detail below. It is to be understood that the specific embodiments described herein are merely illustrative of and not restrictive on the broad application. In addition, it should be noted that, for convenience of description, only a part related to the present application is shown in the drawings, and not all structures are included.
According to the record in the special statistical system for loan of large, medium and small enterprises in the country, the guarantee modes are classified into the mortgage, guarantee and credit, and if the loan has a plurality of guarantee modes, the principle of priority of the mortgage is followed. Comparative analysis on the currently recorded guarantee modes shows that the data of the risk integration system of many banks are derived from GLMS and GRMS. At present, there is no clear guarantee mode classification data item required in the supervision report in GRMS, the guarantee and mortgage information in GRMS is checked against migration data by the organization of the all-jurisdiction service departments, and the guarantee and mortgage detailed data in GRMS are relatively accurate. However, GRMS has not been put into production and financing guarantee company management and control function so far, has no financing guarantee information, and has not been listed in a system for management in part of trade financing business.
Conventionally, the guarantee mode of unit loan in the CCMS system of a bank is manually input by a website service worker after loan issuance, and data has partial deviation. Further, each bank system does not record the guarantee contract information, cannot directly reflect the relationship between the debt item and the guarantee item, and can only process the guarantee mode of generating the debt item by defining a complicated judgment rule.
Based on this, the embodiment of the present application provides a method for determining a guarantee mode of a unit loan, which may include: the method comprises the steps that a guarantee mode determining device of unit loan firstly obtains a guarantee item number set related to an account based on related information of the account of the unit loan, wherein the guarantee item number in the guarantee item number set is used for identifying a guarantee item of the account; then, the unit loan guarantee mode determination device determines the valid guarantee based on the guarantee item number set, the guarantee information table and the guarantee information table; accordingly, the guarantee mode determination device of the unit loan determines the guarantee mode of the unit loan based on the valid guarantee, wherein the guarantee mode is the mortgage, the guarantee or the credit.
Therefore, by the method, a bank system does not need to develop a new subsystem for realizing the function of determining the guarantee mode of the unit loan, and does not need to newly acquire related data of the account of the unit loan, and the guarantee mode is considered to be the dimension of the reporting of the financial institution required by the supervising agencies such as the pedestrian, the bank prisoner and the like, and has higher requirements on data quality and system stability, so that the embodiment of the application fully utilizes the credible system and data at the upstream, accurately and efficiently determines the guarantee mode of the unit loan by means of the known data through a simple logic flow, and improves the use experience of the bank system for unit users.
To facilitate understanding of a specific implementation of the method for determining a guarantee mode of a unit loan provided in the embodiments of the present application, reference will be made to the following description in conjunction with the accompanying drawings.
The principal for implementing the method for determining a guarantee method of a unit loan may be the device for determining a guarantee method of a unit loan provided in the embodiments of the present application, and the device for determining a guarantee method of a unit loan may be carried in an electronic device or a functional module of an electronic device. The electronic device in the embodiment of the present invention may be any device capable of implementing the method for determining a guarantee mode of a unit loan in the embodiment of the present invention, and may be an Internet of things (IoT) device, for example.
Fig. 1 is a flowchart illustrating a method for determining a guarantee mode of a unit loan according to an embodiment of the present disclosure. The method may be applied to a unit loan security method determination apparatus, such as the unit loan security method determination apparatus 500 shown in fig. 5; alternatively, the method may be applied to an electronic device integrated with a security method determination apparatus for a unit loan, which may be, for example, the electronic device 600 shown in fig. 6.
As shown in fig. 1, the method may include, for example:
s101, obtaining a security product number set related to an account based on the related information of the account of the unit loan, wherein the security product number in the security product number set is used for identifying the security product of the account.
In some implementations, before determining the guarantee mode of a unit loan based on the method provided by the embodiments of the present application, the following preparation is needed: in one aspect, hierarchical management information of each unit is obtained from the GLMS, and the hierarchical management information includes information related to the account, such as a security number directly related to the account, and for example, a credit type related to the account and related information of each credit type. On the other hand, the deposit information table and the guarantee information table are obtained from GRMS. In this way, a reliable data base is provided for subsequent determination of the manner in which the account of the unit loan is secured.
In a specific implementation, S101 may include: s101a, judging whether the account has a directly related security product number, if so, obtaining a first security product number directly related to the account; s101b, judging whether the account is related to the amount, if so, obtaining the amount type related to the account, and obtaining the corresponding security product number based on the obtained amount type. It should be noted that the execution of S101a and S101b is not limited in order, and S101a may be executed first and then S101b may be executed, S101b may be executed first and then S101a may be executed, or S101a and S101b may be executed simultaneously.
As an example, the obtaining the corresponding guaranty number based on the quota type in S101b may include: if the limit type comprises a product layer, a second security product number is obtained based on the limit number, the limit level serial number and the limit in-layer serial number; if the limit type comprises a combined layer, obtaining a third security product number based on the limit number association; if the amount type includes a total amount hierarchy, a fourth security number is obtained based on the association of the customer number and the credit type (open or not open).
In this way, the data base for subsequently determining the security method of the account is provided by obtaining the security number set associated with the account of the unit loan in step S101. Wherein the set of collateral item numbers may include N collateral item numbers, each collateral item number identifying a collateral item, N being an integer greater than or equal to 1; alternatively, the set of collateral numbers may be an empty set, i.e., neither of S101a or S101b has determined a collateral number associated with the account.
And S102, determining a valid security product based on the security product number set, the security product information table and the guarantee information table.
In a specific implementation, S102 may include, for each security item number in the security item number set obtained in S101: s102a, judging whether each guarantee item number exists in the guarantee item information table and is in a valid state, if so, obtaining the guarantee item corresponding to the guarantee item number; s102b, judging whether each guarantee item number exists in the guarantee information table and is in a valid state, if yes, obtaining the guarantee item corresponding to the guarantee item number. It should be noted that the execution of S102a and S102b is not limited in order, and S102a may be executed first and then S102b may be executed, S102b may be executed first and then S102a may be executed, or S102a and S102b may be executed simultaneously.
As an example, if a fifth security product number in the security product number set exists in the security product information table and is in a valid state, determining a first security product corresponding to the fifth security product number; and if a sixth security product number in the security product number set exists in the guarantee information table and is in a valid state, determining a second guarantee corresponding to the sixth security product number.
For S102, the guaranties in the guaranty number set, which are matched with the security information table or the guarantee information table and are determined by the guaranty numbers in the valid state, are all valid guaranties called in S102; the valid guarantee in S102 also includes a credit.
And S103, determining a guarantee mode of the unit loan based on the valid guarantee, wherein the guarantee mode is a mortgage, a guarantee or a credit.
In a specific implementation, S103 may include: judging whether the valid security products comprise security products, if so, determining that the security mode is an offset security; if the valid guarantee does not include the security, judging whether the valid guarantee includes the guarantee, if so, determining that the guarantee mode is the guarantee; if the valid collateral does not include the collateral and the guarantee, the mode of the collateral is determined to be credit.
Therefore, by the method, a bank system does not need to develop a new subsystem for realizing the determining function of the guarantee mode of the unit loan, does not need to newly acquire related data of the account of the unit loan, considers that the guarantee mode is the dimension which is required by the financial institution to report for the regulatory agencies such as the humanity, the banking institute and the like, and has higher requirements on data quality and system stability, so that the guarantee mode determining device of the unit loan fully utilizes the credible upstream system and data, accurately and efficiently determines the guarantee mode of the unit loan by means of the known data through a simple logic flow, and improves the use experience of the bank system for unit users.
In order to make the method provided by the embodiments of the present application clearer and easier to understand, a specific example of the method is described below with reference to fig. 2, 3, and 4.
As shown in fig. 2, the slow-release debt structure to which the embodiment of the present application may be applied may include: GRMS210, GLMS 220, and credit services system 230. The GRMS210 includes a collateral information table (COLGAGEBAS _ SVW) and a guarantee information table (COLGURBAS _ SVW). The GLMS 220 includes a customer quota table (FLT _ CUSFL), a contract quota table (FLT _ cntrl), and a product quota table (FLT _ PRDFL). The credit business system 230 includes a unit loan/payment over custody (BANCS/CCMS), a trade financing business (GTS/SCFS), a corporate account overdraft (BANCS), a personal loan/micro corporation (RLMS), and a credit card overdraft (DWF). Wherein, the GRMS210 and GLMS 220 are linked through the security value bank association relation table (colloflex _ SVW), and the product value table of the GLMS 220 is linked with the user account (FLT _ FLACC) and the credit business system 230 through the value bank.
As shown in fig. 3, under the frame structure shown in fig. 2, the present embodiment may include:
s301, a guarantee mode determination device (for example, IMRS-D) of unit loan in the core bank system cleans and loads through a data download platform (DCDS) or directly receives upstream system data (for example, the relationship between a quota and a money account (FLT _ FLACC), the association relationship between a guarantee (such as a guarantee or guarantee) and a quota (COLFLREL _ SVW), the direct relationship between a loan account number and a guarantee (COLCNTREL _ SVW), a guarantee table and a guarantee table of GRMS and the like);
s302, processing the account of the unit loan, and executing S303 and S305;
s303, judging whether the account is related to a quota, if so, executing S304, otherwise, executing S307;
s304, finding out the number of the guaranty through different association conditions according to the type of the association limit corresponding to the account;
wherein, S304 includes: s304a, if the limit type comprises a product layer, obtaining a security product number based on the limit number, the limit level serial number and the limit in-layer serial number; s304b, if the limit type comprises a combined layer, obtaining a security product number based on the limit number association; s304c, if the limit type comprises a total amount item layer, a security product number is obtained based on the association of the client number and the credit type (open or not open).
S305, judging whether the account is directly associated with a security product, if so, executing S306, otherwise, executing S307;
and S306, acquiring a guarantee item number through the account.
And S307, combining the association relationship between the account and the security guarantee, and ending.
For S307, the processing policy provided in this embodiment of the present application after determining all the security product numbers associated with the accounts may be as shown in fig. 4, and may include, for example:
s401, judging whether the account is associated with a security product, if so, executing S402, otherwise, executing S406;
s402, judging whether the security product number exists in the security product information table of the GRMS and is in a valid state, if so, executing S403, otherwise, executing S404;
s403, determining that the guarantee mode is a quality assurance.
S404, judging whether the warranty number exists in the guarantee information table of the GRMS and is in a valid state, if so, executing S405, otherwise, executing S406;
s405, determining that the guarantee mode is temporarily guaranteed;
s406, determining that the guarantee mode is temporarily a credit.
If the account is associated with multiple wagers, then S402-S406 may be performed for each wager.
The logic policy for finally determining the guarantee mode is as follows: if the plurality of collateral includes both a valid collateral and a valid guarantee, determining that the unit of loan is to be secured as a mortgage; if the plurality of collateral items only include valid guarantees and do not include valid collateral items, determining the guarantee mode of the unit loan as guarantee; if the plurality of collateral items does not include any valid guarantees or wagers, the collateral for the unit of loan is determined to be credit.
Thus, in one aspect, the present embodiment forms a table in the database according to the upstream data dictionary and stores the security of the unit loan based on the expected results. On the other hand, the present embodiment forms a program and configures parameters such as job scheduling according to the processing logic. Thus, the guarantee mode of the loan of the processing unit: first, the association between the account and the security is processed, and second, the security method is determined based on the security associated with the account. The account and the security are associated with 4 modes: the direct association, the product level association, the contract level association and the total amount subentry level association are realized by taking a collection of 4 types of associated guarantees, judging the guarantee mode according to the account associated guarantees according to the principle of the priority of the mortgage, realizing the quick and reasonable determination of the unit loan guarantee mode and improving the working efficiency of a bank system.
Referring to fig. 5, an embodiment of the present application further provides a device 500 for determining a guarantee mode of a unit loan, where the device 500 may include a first obtaining unit 501, a first determining unit 502, and a second determining unit 503. Wherein:
a first obtaining unit 501, configured to obtain, based on association information of an account of a unit loan, a set of security numbers associated with the account, where a security number in the set of security numbers is used to identify a security of the account;
a first determination unit 502 for determining a valid security based on the set of security serial numbers, the security information table, and the assurance information table;
a second determining unit 503, configured to determine a guarantee manner of the unit loan, based on the valid guarantee, wherein the guarantee manner is a mortgage, a guarantee, or a credit.
Optionally, the apparatus 500 further comprises:
a second obtaining unit, configured to obtain hierarchical management information of each unit from a global quota management system GLMS, where the hierarchical management information includes association information of the account;
and the third obtaining unit is used for obtaining the escort information table and the guarantee information table from a global slow release management system (GRMS).
Optionally, the first obtaining unit 501 includes:
a first obtaining subunit, configured to obtain a first security product number if a directly associated first security product number exists in the account;
and the second obtaining subunit is used for obtaining the account associated quota type if the account is associated with the quota, and obtaining the corresponding security product number based on the quota type.
Optionally, the second obtaining subunit is specifically configured to:
if the limit type comprises a product layer, a second security product number is obtained based on the limit number, the limit level serial number and the limit layer serial number;
if the limit type comprises a combined layer, obtaining a third security product number based on the limit number association;
and if the limit type comprises a total amount item layer, obtaining a fourth guaranty number based on the association of the client number and the credit category.
Optionally, the first determining unit 502 includes:
a first determining subunit, configured to determine a first security deposit corresponding to a fifth security product number in the security product number set if the fifth security product number exists in the security product information table and is in a valid state;
and a second determining subunit, configured to determine a second guarantee corresponding to a sixth security item number in the security item number set if the sixth security item number exists in the guarantee information table and is in a valid state.
Optionally, the second determining unit 503 includes:
a third determining subunit, configured to determine that the guarantee manner is a pledge if the valid guarantee item includes a deposit;
a fourth determining subunit, configured to determine that the guarantee manner is guaranteed if the valid guarantee includes a guarantee but does not include an escort;
a fifth determining subunit, configured to determine that the guarantee manner is credit if the valid guarantee includes only credit.
It should be noted that, the specific implementation manner and the achieved technical effect of the apparatus 500 can be referred to the related description in the method shown in fig. 1.
In addition, an embodiment of the present application further provides an electronic device 600, as shown in fig. 6, where the electronic device 600 includes a processor 601 and a memory 602:
the memory 602 is used for storing computer programs;
the processor 601 is configured to execute the method provided in fig. 1 according to the computer program.
In addition, the embodiment of the present application also provides a computer-readable storage medium, which is used for storing a computer program, and the computer program is used for executing the method provided by the embodiment of the present application.
As can be seen from the above description of the embodiments, those skilled in the art can clearly understand that all or part of the steps in the above embodiment methods can be implemented by software plus a general hardware platform. Based on such understanding, the technical solution of the present application may be embodied in the form of a software product, which may be stored in a storage medium, such as a read-only memory (ROM)/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network communication device such as a router, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, system embodiments and apparatus embodiments, which are substantially similar to method embodiments, are described in relative ease with reference to the partial description of the method embodiments. The above-described embodiments of the apparatus and system are merely illustrative, and the modules described as separate parts may or may not be physically separate, and the parts shown as modules may or may not be physical modules, may be located in one position, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only a preferred embodiment of the present application and is not intended to limit the scope of the present application. It should be noted that, for a person skilled in the art, several modifications and refinements can be made without departing from the application, and these modifications and refinements should also be regarded as the protection scope of the application.
Claims (14)
1. A method for determining a guarantee mode of a unit loan, comprising:
obtaining a security product number set related to an account based on the related information of the account of the unit loan, wherein the security product number in the security product number set is used for identifying the security product of the account;
determining an effective guaranty based on the set of guaranty numbers, the security information table, and the assurance information table;
and determining the guarantee mode of the unit loan based on the valid guarantee, wherein the guarantee mode is a pledge, a guarantee or a credit.
2. The method of claim 1, further comprising:
obtaining the hierarchical management information of each unit from a global quota management system (GLMS), wherein the hierarchical management information comprises the association information of the account;
and obtaining the escort information table and the guarantee information table from a global slow release management system (GRMS).
3. The method according to claim 1 or 2, wherein the obtaining the set of collateral numbers associated with the account based on the associated information of the account for the unit loan comprises:
if the account has a first security product number directly related, obtaining the first security product number;
if the account is associated with the amount, the type of the amount associated with the account is obtained, and the corresponding security product number is obtained based on the type of the amount.
4. The method of claim 3, wherein obtaining the corresponding collateral number based on the credit type comprises:
if the limit type comprises a product layer, a second security product number is obtained based on the limit number, the limit level serial number and the limit layer serial number;
if the limit type comprises a combined layer, obtaining a third security product number based on the limit number association;
and if the limit type comprises a total amount item layer, obtaining a fourth security product number based on the association of the client number and the credit type.
5. The method of claim 1 or 2, wherein determining a valid collateral based on the set of collateral numbers, the collateral information table, and the assurance information table comprises:
if a fifth security product number in the security product number set exists in the security product information table and is in a valid state, determining a first security product corresponding to the fifth security product number;
and if a sixth guaranty number in the guaranty number set exists in the guaranty information table and is in a valid state, determining a second guaranty corresponding to the sixth guaranty number.
6. The method of claim 1 or 2, wherein determining the warranty for the unit loan based on the available warranties comprises:
if the valid security product comprises an escort, determining that the security mode is an overdue security;
if the valid collateral includes a guarantee but not an escort, determining that the guarantee mode is a guarantee;
and if the valid guarantee only comprises credit, determining that the guarantee mode is credit.
7. A method for determining a guarantee mode of a unit loan, comprising:
a first obtaining unit, configured to obtain a set of security numbers associated with an account based on association information of the account of a unit loan, where the security number in the set of security numbers is used to identify a security of the account;
a first determination unit configured to determine a valid security item based on the set of security item numbers, the security information table, and the assurance information table;
and a second determining unit for determining a guarantee mode of the unit loan, which is a mortgage, a guarantee or a credit, based on the valid guarantee.
8. The apparatus of claim 7, further comprising:
a second obtaining unit, configured to obtain hierarchical management information of each unit from a global credit management system GLMS, where the hierarchical management information includes the association information of the account;
and the third obtaining unit is used for obtaining the escort information table and the guarantee information table from a global slow release management system GRMS.
9. The apparatus according to claim 7 or 8, wherein the first obtaining unit comprises:
a first obtaining subunit, configured to obtain a first security product number if a directly associated first security product number exists in the account;
and the second obtaining subunit is used for obtaining the account associated quota type if the account is associated with the quota, and obtaining the corresponding security product number based on the quota type.
10. The apparatus according to claim 9, wherein the second obtaining subunit is specifically configured to:
if the limit type comprises a product layer, a second security product number is obtained based on the limit number, the limit level serial number and the limit in-layer serial number;
if the limit type comprises a combined layer, obtaining a third security product number based on the limit number association;
and if the limit type comprises a total amount item layer, obtaining a fourth security product number based on the association of the client number and the credit type.
11. The apparatus according to claim 7 or 8, wherein the first determining unit comprises:
a first determining subunit, configured to determine a first security deposit corresponding to a fifth security product number in the security product number set if the fifth security product number exists in the security product information table and is in a valid state;
and a second determining subunit, configured to determine a second guarantee corresponding to a sixth guarantee item number in the set of guarantee item numbers if the sixth guarantee item number exists in the guarantee information table and is in a valid state.
12. The apparatus according to claim 7 or 8, wherein the second determining unit comprises:
a third determining subunit, configured to determine that the guarantee manner is a pledge if the valid guarantee item includes a deposit;
a fourth determining subunit, configured to determine that the guarantee mode is guaranteed if the valid guarantee includes a guarantee but does not include an escort;
a fifth determining subunit, configured to determine that the guarantee manner is credit if the valid guarantee includes only credit.
13. An electronic device, comprising a processor and a memory:
the memory is used for storing a computer program;
the processor is adapted to perform the method of any of claims 1-6 in accordance with the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium is adapted to store a computer program for performing the method of any of claims 1-6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211277128.3A CN115511615A (en) | 2022-10-18 | 2022-10-18 | Method and device for determining unit loan guarantee mode |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211277128.3A CN115511615A (en) | 2022-10-18 | 2022-10-18 | Method and device for determining unit loan guarantee mode |
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| CN115511615A true CN115511615A (en) | 2022-12-23 |
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| CN202211277128.3A Pending CN115511615A (en) | 2022-10-18 | 2022-10-18 | Method and device for determining unit loan guarantee mode |
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| Country | Link |
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| CN (1) | CN115511615A (en) |
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