CN117291710A - Data processing method, device, equipment and medium - Google Patents
Data processing method, device, equipment and medium Download PDFInfo
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/23—Updating
- G06F16/2358—Change logging, detection, and notification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
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- G06F16/2474—Sequence data queries, e.g. querying versioned data
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
Abstract
The application relates to the field of financial data processing, in particular to a data processing method, device, equipment and medium, which are used for solving the problem that under the condition that payment occurs in a holiday and a part of payment is returned, the total sum of risk-free benefits of the last working day cannot be obtained, so that the payment is inaccurate. The method further comprises the steps of: aiming at loan business of risk-free interest rate rebate interest calculation, calculating multiple types of interest based on the risk-free interest rate, and generating rebate detail information of the loan business daily according to the calculated multiple types of interest; screening the compound interest list information of the corresponding date from the compound interest list information of each day according to the relationship between the interest deadline and the current date, and determining the risk-free interest total amount of the loan business on the interest deadline according to the compound interest list information of the corresponding date; and determining the loan interest of the loan business on the interest deadline according to the total amount of the risk-free interest of the loan business on the interest deadline and the single interest of the loan business.
Description
Technical Field
The present application relates to the field of financial data processing, and in particular, to a data processing method, apparatus, device, and medium.
Background
The london peer lending interest rate (London InterBank Offered Rate, LIBOR), which refers to the cost of a short term funds borrowing between the united kingdom banking peers, is a bank selected by the united kingdom banker association, reports the interest rate value in the london money market, and calculates the average index interest rate. LIBOR interest rate is generated based on the offers of the offer line, and is prone to problems that are handled.
Risk-free interest Rate, also known as overnight, is the most common Risk-free rate, typically given the first day of the day. Single interest or compound interest may be selected using a loan with no risk interest, where the single interest method is the same as the LIBOR interest method, and the compound interest method is a single compound interest mixed interest method.
For loans with no risk interest rate and multiple interest, based on the characteristics of the multiple interest method, if repayment occurs in a holiday and a part of the multiple interest is returned, the system cannot acquire the total sum of the no risk multiple interest by the last working day, so that the follow-up interest is inaccurate. And because of the complexity of risk-free compound interest accounting, the existing interest evidence cannot provide clear and accurate interest calculation details for clients.
Disclosure of Invention
The embodiment of the application provides a data processing method, device, equipment and medium, which are used for solving the problem that under the condition that payment and partial rest occur in a holiday in a risk-free interest rate compound interest accounting mode, the risk-free interest total amount of the last working day cannot be acquired, so that the accounting is inaccurate.
In a first aspect, the present application provides a data processing method, the method comprising:
aiming at loan business of risk-free interest rate rebate interest calculation, calculating multiple types of interest based on the risk-free interest rate, and generating rebate detail information of the loan business daily according to the calculated multiple types of interest;
screening the compound interest list information of the corresponding date from the compound interest list information of each day according to the relationship between the interest deadline and the current date, and determining the risk-free interest total amount of the loan business on the interest deadline according to the compound interest list information of the corresponding date;
and determining the loan interest of the loan business on the interest deadline according to the total amount of the risk-free interest of the loan business on the interest deadline and the single interest of the loan business.
According to the method and the system, the daily compound interest information of the loan service is recorded, and various types of interest calculated on the basis of the risk-free interest rate in the same day, such as the information of the occurrence amount of interest in the same day, the accumulated amount of interest and the like, are registered, so that the problem that the user cannot get the total amount of risk-free interest in the previous working day in the holiday is solved, and meanwhile clear interest evidence details are provided for the client on the basis of the generated daily compound interest information of the loan service.
In one possible embodiment, the method for screening the compound interest details information of the corresponding date from the compound interest details information of each day according to the relationship between the interest deadline and the current date, and determining the total amount of risk-free interest of the loan business on the interest deadline according to the compound interest details information of the corresponding date includes:
if the interest deadline is the current date, determining the total amount of risk-free interest of the loan business on the interest deadline according to the compound interest detail information of the interest deadline; or alternatively, the first and second heat exchangers may be,
if the interest deadline is greater than the current date, determining the total amount of risk-free interest from the last interest date to the current date according to the compound interest detail information of the current date; determining the total amount of risk-free interest from the current date to the interest deadline according to the compound interest detail information of the previous working day of the current date; and determining the total amount of the risk-free interest of the loan business on the interest ending date according to the total amount of the risk-free interest from the last interest ending date to the current date and the total amount of the risk-free interest from the current date to the interest ending date.
In one possible embodiment, the single interest of the loan service is determined by:
and determining the single interest of the loan business based on the interest rate point difference and the complement point difference.
In one possible embodiment of the present invention,
the risk-free interest rate is determined based on a risk-free interest rate index value; or alternatively, the first and second heat exchangers may be,
the risk-free interest rate is obtained by adjusting the risk-free interest rate index value based on the contracted interest rate lower limit.
In one possible embodiment, the method further comprises:
and if the loan business meets the scene of the back-off business, updating the back-off detail information of the loan business from the back-off date.
The present application supports a loan review detail refreshing mechanism for a variety of scenarios, such as online and batch scenarios.
In one possible embodiment, the updating of the compound interest details information of the loan service from the back-off date includes:
if the number of the back-off days does not exceed the updating threshold value, synchronously updating the back-off detail information of the loan business from the back-off date in real time; or alternatively, the first and second heat exchangers may be,
if the number of the back-off days exceeds the updating threshold, synchronously setting an asynchronous updating identification of the loan service and updating the starting date, and if the asynchronous updating identification is inquired, starting from the updating starting date, asynchronously updating the complex interest information of the loan service.
The system is matched with the updating threshold value of the maximum number of days of refreshing the back-off, so that the requirements of loan on the principal subsection of a vacation, accurate information counting details of customers and the like are well met, and the non-functional problem possibly caused by the back-off is also solved.
In a second aspect, the present application provides a data processing apparatus, the apparatus comprising:
the compound interest list determining module is used for calculating various types of interest based on the risk-free interest rate aiming at loan business of the risk-free interest rate compound interest, and generating compound interest list information of the loan business daily according to the calculated various types of interest;
the compound interest determining module is used for screening compound interest detail information of a corresponding date from the compound interest detail information of each day according to the relationship between the interest deadline date and the current date, and determining the risk-free interest total amount of loan business on the interest deadline date according to the compound interest detail information of the corresponding date;
and the loan interest determining module is used for determining the loan interest of the loan business on the interest expiration date according to the risk-free interest sum of the loan business on the interest expiration date and the single interest of the loan business.
In one possible embodiment, the complex interest determination module is specifically configured to:
if the interest deadline is the current date, determining the total amount of risk-free interest of the loan business on the interest deadline according to the compound interest detail information of the interest deadline; or alternatively, the first and second heat exchangers may be,
if the interest deadline is greater than the current date, determining the total amount of risk-free interest from the last interest date to the current date according to the compound interest detail information of the current date; determining the total amount of risk-free interest from the current date to the interest deadline according to the compound interest detail information of the previous working day of the current date; and determining the total amount of the risk-free interest of the loan business on the interest ending date according to the total amount of the risk-free interest from the last interest ending date to the current date and the total amount of the risk-free interest from the current date to the interest ending date.
In one possible embodiment, the loan interest determination module is specifically configured to determine the single interest of the loan business by:
and determining the single interest of the loan business based on the interest rate point difference and the complement point difference.
In one possible embodiment of the present invention,
the risk-free interest rate is determined based on a risk-free interest rate index value; or alternatively, the first and second heat exchangers may be,
the risk-free interest rate is obtained by adjusting the risk-free interest rate index value based on the contracted interest rate lower limit.
In a possible embodiment, the apparatus further comprises an updating module, the updating module being specifically configured to:
and if the loan business meets the scene of the back-off business, updating the back-off detail information of the loan business from the back-off date.
In a possible embodiment, the updating module is specifically configured to:
if the number of the back-off days does not exceed the updating threshold value, synchronously updating the back-off detail information of the loan business from the back-off date in real time; or alternatively, the first and second heat exchangers may be,
if the number of the back-off days exceeds the updating threshold, synchronously setting an asynchronous updating identification of the loan service and updating the starting date, and if the asynchronous updating identification is inquired, starting from the updating starting date, asynchronously updating the complex interest information of the loan service.
In a third aspect, the present application provides an electronic device, comprising:
a memory for storing program instructions;
a processor for invoking program instructions stored in the memory and executing the steps comprised by the method according to any of the first aspects in accordance with the obtained program instructions.
In a fourth aspect, the present application provides a computer readable storage medium storing a computer program comprising program instructions which, when executed by a computer, cause the computer to perform the method of any one of the first aspects.
In a fifth aspect, the present application provides a computer program product comprising: computer program code which, when run on a computer, causes the computer to perform the method of any of the first aspects.
Drawings
FIG. 1 is a flowchart illustrating an implementation of a data processing method according to an embodiment of the present application;
FIG. 2 is a schematic diagram of a loan service generating daily compound interest details information for risk-free interest compound interest in accordance with an embodiment of the present application;
FIG. 3 is a schematic diagram of risk-free interest amount calculation for loan business on interest cutoff date according to an embodiment of the present application;
FIG. 4 is a schematic diagram of loan interest calculation according to an embodiment of the present application;
FIG. 5 is a schematic diagram of online synchronous update of complex profit details according to an embodiment of the present application;
FIG. 6 is a schematic diagram of online asynchronous update of complex profit details according to one embodiment of the present application;
FIG. 7 is a schematic diagram of asynchronous update of compound interest information at the end of day according to an embodiment of the present application;
FIG. 8 is a block diagram of a data processing apparatus according to an embodiment of the present application;
fig. 9 is a block diagram of an electronic device according to an embodiment of the present application.
Detailed Description
For the purposes of making the objects, technical solutions and advantages of the present application more apparent, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure. Embodiments and features of embodiments in this application may be combined with each other arbitrarily without conflict. Also, while a logical order of illustration is depicted in the flowchart, in some cases the steps shown or described may be performed in a different order than presented.
The terms first and second in the description and claims of the present application and in the above-described figures are used for distinguishing between different objects and not for describing a particular sequential order. Furthermore, the term "include" and any variations thereof is intended to cover non-exclusive protection. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus. The term "plurality" in the present application may mean at least two, for example, two, three or more, and embodiments of the present application are not limited.
In the technical scheme, the data are collected, transmitted, used and the like, and all meet the requirements of national related laws and regulations.
Before describing the data processing method provided in the embodiments of the present application, for convenience of understanding, the following detailed description is first provided for the technical background of the embodiments of the present application.
The london peer lending interest rate (London InterBank Offered Rate, LIBOR), which refers to the cost of a short term funds borrowing between the united kingdom banking peers, is a bank selected by the united kingdom banker association, reports the interest rate value in the london money market, and calculates the average index interest rate. LIBOR interest rate is generated based on the offers of the offer line, and is prone to problems that are handled.
Risk-free interest Rate, also known as overnight, is the most common Risk-free rate, typically given the first day of the day. Commonly used interest categories are dollar guaranteed overnight financing interest (Secured Overnight Financing Rate, SOFR), pound SONIA, euro ESTR, harbor note HONIA, japanese TONA, etc.
Review interest rate window (LOOKBACK) is a common risk-free interest rate method. Since the risk-free interest rate is overnight, the current day cannot acquire the interest rate of the current day, and thus by setting the review days n, n >2, typically 5, the T day is determined to use the interest rate of the (T-n) day for the interest, and the interest rate of the (T-n) day is issued on the (T-n+1) day.
Loan interest rate of contracted risk-free interest rate is calculated by the following formula:
loan interest = risk free interest index (base) +credit/point of sale difference (Spread/Margin) +credit offset difference (CAS). Wherein credit/point of sale differences (Spread/Margin) are also referred to as point of interest differences.
Loan interest rate for contracted risk-free interest rate can also be calculated by the following formula:
contract Rate/loan Rate (AR Rate) =rfr (single/multiple calculation) +cas+spread/Margin.
Single interest or compound interest may be selected using a loan with no risk interest, where the single interest method is the same as the LIBOR interest method, and the compound interest method is a single compound interest mixed interest method.
The calculation formula of the risk-free interest rate and the annual interest rate is as follows:
wherein d b Indicating the number of days of business days (working days) in the rest period, r i Represents the risk-free interest rate of the business day i applied on the same day, n i Calendar days applicable to risk-free interest rate for business day i, N represents actual daily number of days (e.g. 360 or 365), d c Indicating the calendar days in the rest period.
The calculation formula of the risk-free interest rate and the annual interest rate is as follows:
wherein d b Indicating the number of days of business days (working days) in the rest period, r i Represents the risk-free interest rate of the business day i applied on the same day, n i Calendar days applicable to risk-free interest rate for business day i, N represents actual daily number of days (e.g. 360 or 365), d c Indicating the calendar days in the rest period.
First, the risk-free interest rate double interest is a single double interest combined interest counting method, wherein the risk-free interest rate index (base) counts in double interest on working days and counts in single interest on holidays. Credit/point of sale difference is a single interest bearing. The credit complement point difference is a single interest. The daily basis for a risk-free interest rate index (base) compound interest is the sum of the loan principal and the total amount of interest in the day immediately before the cut-off.
Secondly, the interest counting mechanism of the public loan is a segmented interest counting mechanism, the interest of the movable user is registered and stopped at the movable user day in the loan interest counting interval, and the interest of the movable user day to the interest counting and stopping day is accumulated, so that the system cannot acquire the sum of the risk-free benefits of the last working day under the conditions of repayment and partial interest counting in the holiday for the loan with the risk-free interest rate and the interest counting, and the follow-up interest counting is inaccurate.
Therefore, for loans with no risk interest rate and multiple interest rate, based on the complexity of the multiple interest rate method, if the account transaction is performed in the holiday, the subsequent interest rate system cannot obtain the total sum of no risk and multiple interest rate by the last working day, resulting in inaccurate subsequent interest rate. And because the risk-free compound interest is a segmented interest, daily interest evidence of the risk-free compound interest cannot be provided, and the existing interest evidence cannot provide clear and accurate interest calculation details for clients.
Based on the technical problems, the data processing method provided by the application has the core ideas that by recording the daily compound interest information of the loan business, registering various types of interest calculated on the basis of the risk-free interest rate in the same day, such as the information of the occurrence amount of interest in the same day, the accumulated amount of interest and the like, thereby solving the problem that the user cannot get the total amount of risk-free interest in the previous working day in the holiday, and providing clear interest evidence details for the user.
As shown in fig. 1, this embodiment provides a data processing method, and the specific implementation flow of the method is as follows:
step 100, calculating various types of interest based on the risk-free interest rate aiming at loan business of the risk-free interest rate and generating daily compound interest detail information of the loan business according to the calculated various types of interest;
as shown in fig. 2, the present embodiment provides a schematic diagram of generating daily interest details by a loan service of interest-free interest-related interest, first, signing up a loan service of interest-free interest-related interest, registering interest types as risk-free interest in loan contract information when signing up, and marking interest-related interest as "yes"; then, the loan is issued, and the loan begins to be counted; finally, at the end of the daily period after the payment, generating daily re-interest details information of the loan business, wherein a batch of daily re-interest details information of the loan business batch can be generated according to batches, batch processing scheduling and batch processing operation are added every day after the payment and are used for carrying out batch processing on each loan business of daily signed riskless re-interest information, and the batch processing scheduling is used for determining execution time based on the relation with other functional service modules; the batch processing operation records data according to a certain rule, and finally generates the compound interest information of a batch of loan business on the same day, wherein the batch of loan business comprises a plurality of loan business on the same day. In generating the complex interest information, only the interest amount of the risk-free interest index (base) is processed, and the interest amounts of the interest point difference and the credit compensation point difference do not need to be registered.
Optionally, if the user needs to call the compound interest information in the loan business daily or preset days, the compound interest information corresponding to the date information can be provided to the user related to the loan business according to the date information called as required. Alternatively, the user may be provided with the related links for directly displaying and transmitting the compound detailed information, the mail notification, and the like on the display interface, which is not limited in this embodiment.
Step 101, screening out the compound interest detail information of the corresponding date from the compound interest detail information of each day according to the relationship between the interest deadline and the current date, and determining the risk-free interest total amount of the loan business on the interest deadline according to the compound interest detail information of the corresponding date;
an example of a daily compound interest list (table a) for a loan contract risk-free compound interest is provided in this embodiment as follows:
in practice, any one or any plurality of sets of data can be set in the complex interest information of loan business daily:
(1) A normal principal amount (normal refers to unexpired principal);
(2) Normal principal interest amount;
(3) Normal principal interest amount (roll benefit);
(4) The normal principal interest amount is collected in a turning and urging way;
(5) The normal principal interest amount (rolling benefit) is collected in a turning and urging way;
(6) An overdue principal amount (overdue refers to an expired principal);
(7) Overdue principal interest amount;
(8) Overdue principal interest return amount-roll;
(9) Converting the overdue principal interest amount;
(10) The overdue principal is collected to interest the amount of the interest and return to the benefit (rolling benefit).
Through multiple types of interest contained in the compound interest information, the daily risk-free interest total can be calculated, and the calculation formula is as follows:
total no risk interest = current no risk XXX interest-current no risk XXX interest + no risk XXX interest adjustment amount; wherein XXX represents different types of interest.
Optionally, the plurality of types of interest in the present embodiment include, but are not limited to, normal principal interest complex, and conversion-induced principal interest complex.
For example, current-stage risk-free XXX interest includes, but is not limited to: the normal principal interest amount of the current-period non-risk interest rate, the normal principal interest compound amount of the current-period non-risk interest rate, the normal principal interest rolling amount of the current-period non-risk interest rate, the normal principal interest compound amount of the current-period non-risk interest rate conversion and the normal principal interest rolling amount of the current-period non-risk interest rate conversion and the normal principal interest rolling amount of the current-period; risk free XXX interest has also been taken into account including but not limited to: the normal principal interest amount of the return-to-date risk-free interest rate and the normal principal interest amount of the return-to-date risk-free interest rate, the normal principal interest amount of the return-to-date risk-free interest rate and the normal principal interest amount of the return-to-date risk-free interest rate the normal principal interest return amount is converted and collected by the no-risk interest rate in the current period, and the normal principal rolling return amount is converted and collected by the no-risk interest rate in the current period; the risk-free XXX interest adjustment amounts include, but are not limited to: the normal principal interest adjustment amount of the risk-free interest rate, the normal principal interest return adjustment amount of the risk-free interest rate, and the normal principal interest return adjustment amount of the risk-free interest rate.
The compound interest information in this embodiment further includes the normal principal interest amount of the current day without risk interest (i.e., no risk interest) = (total of the interest of the current day without risk of interest of the principal + last day) x no risk interest/N, where N represents the actual daily number of days of interest, typically 360, and also may be the number of days contracted when the loan is contracted, which is not excessively limited here.
The interest of the loan referred to in this embodiment includes a plurality of kinds including, but not limited to, normal principal interest complex, rolling of normal principal interest complex, overdue principal interest complex, rolling of overdue principal interest complex, and the like, as shown in the following expression examples.
| Interest category | Principal's gold of rest |
| Normal principal interest | Normal principal's gold |
| Normal principal point interest complex | Normal principal interest |
| Normal principal point interest complexIs of (2) | Normal principal interest complex of the established and unreliated principal |
| Also, … … of overdue principal interest | …… |
In practice, at the same time point, loan accounts may have multiple interests, and various interests are calculated when daily interest is registered in batch.
When calculating the total sum of the risk-free interest on the working day before the ending day of interest, the system inquires the detailed information (table A) of the complex interest on the date according to the date of the last working day, wherein the total sum of the risk-free interest on the last working day = the normal principal interest amount of the risk-free interest on the current period-the normal principal interest amount of the complex interest of the risk-free interest on the current period + the normal principal interest adjustment amount of the risk-free interest.
In some embodiments, the risk-free interest rate is determined based on a risk-free interest rate index value; or, the risk-free interest rate is obtained by adjusting the risk-free interest rate index value based on the contracted interest rate lower limit.
In practice, the risk-free interest rate is equal to the risk-free interest rate index without a contract, and can be adjusted based on the contract's lower interest rate limit when contracted. For example, the risk-free interest rate index value is adjusted according to the lower interest rate limit (FLOOR) determined by the loan contract, and if the risk-free interest rate index (base) +cas < FLOOR, the risk-free interest rate index base=floor-CAS.
In some embodiments, the risk-free interest calculated for the risk-free interest rate is daily interest-bearing and registered, not belonging to a segment interest. Specifically, the total amount of risk-free interest is determined by the following method:
and 1, if the interest deadline is the current date, determining the total amount of risk-free interest of the loan business on the interest deadline according to the compound interest detail information of the interest deadline.
In practice, if the interest closing date is the current date (business date), the user can directly search for the compound interest details information (table a) of the interest closing date.
Wherein the risk-free XX interest amount on the current date = current-period risk-free XX interest amount-current-period risk-free XX interest amount + risk-free XX interest adjustment amount;
The sum of the risk-free interest amounts at the interest deadline is the sum of the multiple risk-free XX interest amounts on the current date.
2, if the interest deadline is larger than the current date, determining the total amount of risk-free interest from the last interest date to the current date according to the compound interest detail information of the current date; determining the total amount of risk-free interest from the current date to the interest deadline according to the compound interest detail information of the previous working day of the current date; and determining the total amount of the risk-free interest of the loan business on the interest ending date according to the total amount of the risk-free interest from the last interest ending date to the current date and the total amount of the risk-free interest from the current date to the interest ending date.
In practice, the sum of risk-free interest from the last day of interest to the current date + the sum of risk-free interest from the current date to the interest cutoff date = the sum of risk-free interest from the loan business at the interest cutoff date.
Optionally, determining the total amount of risk-free interest from the current date to the interest deadline according to the compound interest details of the working day before the current date specifically includes:
according to the compound interest detail information of the working day before the current date, the total amount of the risk-free interest of the working day before the current date is determined, and according to the total amount of the risk-free interest, the principal of interest and the risk-free compound interest rate of the working day before the current date, the total amount of the risk-free interest from the current date to the ending date of the interest is determined.
The last interest date is preset, and the current interest date may be the current date or the interest expiration date.
In implementation, if the interest deadline is greater than the current date (business day), checking the total amount of risk-free interest of the deadline through daily compound interest information, and accumulating the interest of the interval (current date, interest deadline), wherein the interest of the interval (current date, interest deadline) is calculated in real time by a system, specifically, firstly calculating the compound interest rate in the interval, acquiring the total amount of risk-free interest of the last working day of the current date, and then calculating the interest according to a formula (the principal of interest+the total amount of risk-free interest of the last working day) ×the total amount of risk-free compound interest/N, wherein N is the actual number of annual interest counting days.
As shown in fig. 3, the present embodiment provides a calculation schematic diagram of the total amount of interest of a loan business on the interest cutoff date, wherein the last interest date of the loan business is 2023/8/31/, and the current date is: 2023/9/20, contract the next interest day (i.e. interest expiration date): 2023/9/30. The system generates the compound profit detail information of the second day after the day is finished: that is, a compound interest statement of the cut-off 2023/9/20 is generated at night 2023/9/19, the compound interest amount on the day is 1 yuan, and the total risk-free interest amount (namely, compound interest total amount) of 2023/8/31-2023/9/20 is 20 yuan; for example, there are two business requirements:
The total amount of the compound profit of the current date is inquired at the business requirement a of the current date 2023/9/20, and the compound profit of the current date is directly inquired and output from the compound profit detail information of the current date, namely 20 yuan.
Inquiring the sum of risk-free interest to be paid back by the client 2023/9/30 on the next interest date by the business requirement b of 2023/9/20 on the current date; at this time, the system calculates interest according to the complex interest calculation formula ((interest principal+total daily no risk interest amount of last day) ×no risk complex interest rate/N) during 20+ (2023/8/20 to 2023/9/30) found from the complex interest details information of 2023/9/20.
Step 102, determining the loan interest of the loan business on the interest expiration date according to the total amount of the risk-free interest of the loan business on the interest expiration date and the single interest of the loan business.
In the implementation, the loan interest calculating mode is a segmented interest calculating mode, the last interest calculating expiration date and the last interest calculating expiration amount are set in a loan table, the last interest calculating expiration date initial value is the last interest calculating date, and the last interest calculating expiration amount initial value is 0. Wherein, the loan table is used for representing a loan account table (a summary table), and a sub table is arranged below the summary table and used for storing the compound interest detail information such as table A.
When the account transaction occurs in the settlement interval, the system calculates the interest in the interval in real time (the last calculated expiration date of the interest, the account transaction date), registers the interest in the last calculated expiration amount of the interest, and updates the last calculated expiration date of the interest as the account transaction date. Interest in the whole interest-settlement section=interest last calculated cut-off amount+interest in section (interest last calculated cut-off date, accounting date).
The interest composition of the loan business comprises the sum of risk-free interest calculated by the risk-free interest rate, the interest calculated by the interest point difference and the interest calculated by the credit compensation point difference.
As shown in fig. 4, the present embodiment provides a schematic diagram of loan interest calculation, in which loan interest=total amount of risk-free interest+single interest of interest point difference+single interest of credit compensation point difference.
Optionally, the single interest of the loan service is determined by:
and determining the single interest of the loan business based on the interest rate point difference and the complement point difference.
In practice, the interest rate point difference is single interest count, namely, count principal x count days x interest rate/N, is a segmented count mode, and N represents actual count days (such as 360) of the year; interest calculated by credit compensation point difference, the interest calculation method and interest point difference, namely, the interest principal X the number of days of interest X the interest/N, are the sectional interest calculation modes. The interest rate corresponding to the interest rate point difference and the interest rate corresponding to the credit compensation point difference may be the same or different.
In some embodiments, if the loan business satisfies the back-off business scenario, the back-off detail information for the loan business is updated from the back-off date.
In practice, interest of a loan with no risk interest rate is calculated and registered every day, and if a back-off transaction occurs, information such as normal principal, overdue principal, and already-deposited interest of the loan is changed from the back-off date, so that it is necessary to update all the back-off detail information from the back-off date synchronously. Optionally, the reverse-interest business scenario includes, but is not limited to: the refund, the misappropriation, the adjustment of the unrectified interest, the adjustment of the contract, the modification of the review days, the modification of the flow, and the like, need to be updated from the refund day or the interest meter to the principal of interest, the interest on the same day, and the interest amount on the same day in the day update table a.
Optionally, the two update modes of synchronization and asynchronization are provided in this embodiment as follows:
synchronous updating: and if the back-off days do not exceed the updating threshold value, synchronously updating the back-off detail information of the loan business from the back-off date in real time.
In this way, the back-off transaction service and the compound interest information are updated synchronously.
Asynchronous updating: if the number of the back-off days exceeds the updating threshold, synchronously setting an asynchronous updating identification of the loan service and updating the starting date, and if the asynchronous updating identification is inquired, starting from the updating starting date, asynchronously updating the complex interest information of the loan service.
In this way, after the back-off transaction service is updated, the compound interest details information is updated asynchronously within a certain period of time. In implementation, when the number of the falling-off days exceeds the update threshold, the asynchronous update identifier can be marked for the loan business synchronously, and the update starting date is set.
Optionally, the asynchronous update identifier corresponds to an update start date, and is used for updating the compound interest information of the loan service from the update start date. Optionally, the asynchronous update identifier may be generated by user triggering, or may be generated based on a preset trigger condition triggering. For example, for a loan account that has been marked with an asynchronous update identifier and needs to be refreshed asynchronously, a loan is provided with a "loan review refresh" service, the user submits the transaction directly, and the system updates the records of Table A, including information such as the principal of the interest, the current day interest, the current period interest, etc., starting from the update start date. For another example, for the loan account which is marked with an asynchronous update identifier and needs to be refreshed asynchronously, the user does not initiate online transaction refreshing and re-benefiting details in the daytime, and the system can automatically screen the loan account details which are marked with the loan account which need to be refreshed asynchronously and refresh every time.
Optionally, the embodiment provides a complex detail information updating mechanism of two online and batch scenes, wherein the online updating mechanism comprises two modes of synchronous updating and asynchronous updating. The batch update mechanism includes an asynchronous update mode.
Scene 1, online synchronous updating complex profit detail information.
In practice, the system sets an update threshold for the brushing interval of the compound interest information, for example, to 30 days, in consideration of the efficiency problem of updating the compound interest information by taking the back off. If the number of the back-off days is less than or equal to 30 days, the back-off detail information of the loan business from the back-off date is updated in real time, and at the moment, the back-off transaction linkage updating table A is updated.
As shown in fig. 5, this embodiment provides a schematic diagram of online synchronous update of the compound interest list information, when the number of the back-off days does not exceed the update threshold, the online synchronous update of the compound interest list information, that is, update of the compound interest list information of the loan business from the back-off date in real time, if the number of the back-off days exceeds the update threshold, register the compound interest list update information, at this time, mark the loan account first, register "daily interest update flag" as "1" and daily interest update start date in the table a-loan contract account table.
Scene 2, online asynchronous update of complex profit detail information.
In practice, a flag may be set to asynchronously update complex interest level information, such as set in a table A-loan contract account:
(1) Daily interest update flags;
(2) Daily interest updates the start date.
If the number of the back-off days is more than 30 days, the back-off details of the loan business are updated from the update start date, at the moment, the online transaction marks the loan account first, and the daily interest update mark is registered as 1 and the daily interest update start date in the TBCLLAC 0-loan contract account table.
In practice, for loan accounts which have been marked and need asynchronous updating, a loan complex interest update service is provided for loans, users directly submit the transactions, and the system updates a plurality of records of the complex interest information table A from the beginning day of daily interest update, including information such as principal of interest, daily interest, current interest and the like. The online service is mainly used for updating the complex settlement details accurately when other financial transactions are required to occur after the loan is subjected to the back-off transaction, and other subsequent financial transactions are required to be performed.
As shown in fig. 6, the present embodiment provides a schematic diagram of online asynchronous update of the compound interest list information, when the compound interest list update information is queried, the compound interest list information is updated from the update start date, otherwise, the transaction is refused.
And 3, asynchronously updating the compound interest detail information in a daily final batch process.
In the implementation, aiming at the loan account which is marked with the asynchronous updating mark and needs to be refreshed asynchronously, the user does not initiate online transaction refreshing and re-benefiting details in the daytime, and the system can automatically screen the loan account details which are marked with the asynchronous refreshing details and refresh every stroke.
As shown in fig. 7, this embodiment provides a schematic diagram of updating the compound profit details asynchronously at the end of the day, in which, when updating the compound profit details, in order to improve the updating efficiency, the compound profit details of a plurality of transactions can be updated as a batch at the same time, the compound profit details are updated asynchronously at the end of the day, the batch processing of the compound profit details is refreshed asynchronously, the record of the loan service in which the compound profit detail updating information is registered is screened out, and the compound profit detail information is updated from the update start date.
According to the data processing method provided by the embodiment, the loan of the contracted risk-free interest rate compound interest is supported to be subjected to account transaction in the vacation, and after the principal of the interest is segmented, the balance of the loan of the risk-free compound interest in the previous working day can be obtained, so that the accuracy of the subsequent risk-free compound interest calculation is ensured. The method can provide clear risk-free compound profit statement for clients. And a loan re-interest refreshing mechanism supporting both online and batch modes. According to the embodiment, the daily interest counting mode of the risk-free compound interest can be superimposed on the basis of the integral subsection interest counting of the loan, meanwhile, the threshold value of the maximum number of days for refreshing the back-off interest is set, and the system is matched with the system to provide the functions of refreshing the compound interest details online and in batches, so that the requirements of the loan on the principal subsection of the holiday, the accurate interest counting details of customers and the like are well met, and the non-functional problem possibly caused by the back-off interest is also solved.
The method solves the problem that loans can accurately count after holiday households, and adopts a scheme of calculating daily final batches and registering daily compound interest details. The specific implementation mode is that a loan list of batch identification compound interest is added at the end of the day, and a risk-free compound interest list of the day is generated for each loan. At the same time, the back-off accounting transaction supports synchronous refreshing of daily compound interest details or registration of flag information to be refreshed. The system further provides on-line and batch asynchronous refresh functions. Thus, the problems of risk-free interest rate metering of loans are solved as a whole.
Based on the same inventive concept, an embodiment of the present application provides a data processing apparatus, please refer to fig. 8, which includes:
the compound interest list determining module 800 is configured to calculate, for a loan service of interest with no risk interest rate, multiple types of interest based on the risk-free interest rate, and generate compound interest list information of the loan service daily according to the multiple types of interest obtained by calculation;
the compound interest determining module 801 is configured to screen compound interest details information of a corresponding date from daily compound interest details information according to a relationship between an interest deadline day and a current date, and determine a risk-free interest total amount of a loan service on the interest deadline day according to the compound interest details information of the corresponding date;
The loan interest determining module 802 is configured to determine a loan interest of a loan business on a interest cutoff day according to a total amount of risk-free interest of the loan business on the interest cutoff day and a single interest of the loan business.
In one possible embodiment, the compound interest determination module 801 is specifically configured to:
if the interest deadline is the current date, determining the risk-free interest total amount of the loan business on the interest deadline according to the compound interest detail information of the working day before the current date; or alternatively, the first and second heat exchangers may be,
if the interest deadline is greater than the current date, determining the total amount of risk-free interest from the last interest date to the current date according to the compound interest detail information of the current date; determining the total amount of risk-free interest from the current date to the interest deadline according to the compound interest detail information of the previous working day of the current date; and determining the total amount of the risk-free interest of the loan business on the interest ending date according to the total amount of the risk-free interest from the last interest ending date to the current date and the total amount of the risk-free interest from the current date to the interest ending date.
In one possible embodiment, the loan interest determination module 802 is specifically configured to determine the single interest of the loan business by:
And determining the single interest of the loan business based on the interest rate point difference and the complement point difference.
In one possible embodiment of the present invention,
the risk-free interest rate is determined based on a risk-free interest rate index value; or alternatively, the first and second heat exchangers may be,
the risk-free interest rate is obtained by adjusting the risk-free interest rate index value based on the contracted interest rate lower limit.
In a possible embodiment, the apparatus further comprises an updating module, the updating module being specifically configured to:
and if the loan business meets the scene of the back-off business, updating the back-off detail information of the loan business from the back-off date.
In a possible embodiment, the updating module is specifically configured to:
if the number of the back-off days does not exceed the updating threshold value, synchronously updating the back-off detail information of the loan business from the back-off date in real time; or alternatively, the first and second heat exchangers may be,
if the number of the back-off days exceeds the updating threshold, synchronously setting an asynchronous updating identification of the loan service and updating the starting date, and if the asynchronous updating identification is inquired, starting from the updating starting date, asynchronously updating the complex interest information of the loan service.
Based on the same inventive concept, an embodiment of the present application provides an electronic device, which may implement the functions of the data processing method discussed above, referring to fig. 9, the device includes a processor 901 and a memory 902, where:
A memory 902 for storing program instructions;
a processor 901, configured to call the program instructions stored in the memory 902, and execute the following steps according to the obtained program instructions:
aiming at loan business of risk-free interest rate rebate interest calculation, calculating multiple types of interest based on the risk-free interest rate, and generating rebate detail information of the loan business daily according to the calculated multiple types of interest;
screening the compound interest list information of the corresponding date from the compound interest list information of each day according to the relationship between the interest deadline and the current date, and determining the risk-free interest total amount of the loan business on the interest deadline according to the compound interest list information of the corresponding date;
and determining the loan interest of the loan business on the interest deadline according to the total amount of the risk-free interest of the loan business on the interest deadline and the single interest of the loan business.
In one possible embodiment, the processor 901 is specifically configured to perform:
if the interest deadline is the current date, determining the risk-free interest total amount of the loan business on the interest deadline according to the compound interest detail information of the working day before the current date; or alternatively, the first and second heat exchangers may be,
if the interest deadline is greater than the current date, determining the total amount of risk-free interest from the last interest date to the current date according to the compound interest detail information of the current date; determining the total amount of risk-free interest from the current date to the interest deadline according to the compound interest detail information of the previous working day of the current date; and determining the total amount of the risk-free interest of the loan business on the interest ending date according to the total amount of the risk-free interest from the last interest ending date to the current date and the total amount of the risk-free interest from the current date to the interest ending date.
In one possible embodiment, the processor 901 is specifically configured to determine the single interest of the loan transaction by:
and determining the single interest of the loan business based on the interest rate point difference and the complement point difference.
In one possible embodiment of the present invention,
the risk-free interest rate is determined based on a risk-free interest rate index value; or alternatively, the first and second heat exchangers may be,
the risk-free interest rate is obtained by adjusting the risk-free interest rate index value based on the contracted interest rate lower limit.
In a possible embodiment, the processor 901 is specifically further configured to perform:
and if the loan business meets the scene of the back-off business, updating the back-off detail information of the loan business from the back-off date.
In one possible embodiment, the processor 901 is specifically configured to perform:
if the number of the back-off days does not exceed the updating threshold value, synchronously updating the back-off detail information of the loan business from the back-off date in real time; or alternatively, the first and second heat exchangers may be,
if the number of the back-off days exceeds the updating threshold, synchronously setting an asynchronous updating identification of the loan service and updating the starting date, and if the asynchronous updating identification is inquired, starting from the updating starting date, asynchronously updating the complex interest information of the loan service.
Based on the same inventive concept, embodiments of the present application provide a computer-readable storage medium, the computer program product comprising: computer program code which, when run on a computer, causes the computer to perform the data processing method as any of the preceding discussion. Since the principle of the above-mentioned computer readable storage medium for solving the problem is similar to that of the data processing method, the implementation of the above-mentioned computer readable storage medium may refer to the implementation of the method, and the repetition is omitted.
Based on the same inventive concept, embodiments of the present application also provide a computer program product comprising: computer program code which, when run on a computer, causes the computer to perform the data processing method as any of the preceding discussion. Since the principle of the solution of the problem of the computer program product is similar to that of the data processing method, the implementation of the computer program product can refer to the implementation of the method, and the repetition is omitted.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of user operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. It will be apparent to those skilled in the art that various modifications and variations can be made in the present application without departing from the spirit or scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims and the equivalents thereof, the present application is intended to cover such modifications and variations.
Claims (12)
1. A method of data processing, the method further comprising:
aiming at loan business of risk-free interest rate rebate interest calculation, calculating multiple types of interest based on the risk-free interest rate, and generating rebate detail information of the loan business daily according to the calculated multiple types of interest;
screening the compound interest list information of the corresponding date from the compound interest list information of each day according to the relationship between the interest deadline and the current date, and determining the risk-free interest total amount of the loan business on the interest deadline according to the compound interest list information of the corresponding date;
And determining the loan interest of the loan business on the interest deadline according to the total amount of the risk-free interest of the loan business on the interest deadline and the single interest of the loan business.
2. The method as set forth in claim 1, wherein the steps of screening the daily compound interest information according to the relationship between the interest deadline and the current date, determining the risk-free interest amount of the loan business on the interest deadline according to the compound interest information on the corresponding date, and include:
if the interest deadline is the current date, determining the total amount of risk-free interest of the loan business on the interest deadline according to the compound interest detail information of the interest deadline; or alternatively, the first and second heat exchangers may be,
if the interest deadline is greater than the current date, determining the total amount of risk-free interest from the last interest date to the current date according to the compound interest detail information of the current date; determining the total amount of risk-free interest from the current date to the interest deadline according to the compound interest detail information of the previous working day of the current date; and determining the total amount of the risk-free interest of the loan business on the interest ending date according to the total amount of the risk-free interest from the last interest ending date to the current date and the total amount of the risk-free interest from the current date to the interest ending date.
3. The method of claim 1, wherein the single interest of the loan transaction is determined by:
and determining the single interest of the loan business based on the interest rate point difference and the complement point difference.
4. The method of claim 1, wherein,
the risk-free interest rate is determined based on a risk-free interest rate index value; or alternatively, the first and second heat exchangers may be,
the risk-free interest rate is obtained by adjusting the risk-free interest rate index value based on the contracted interest rate lower limit.
5. The method of any one of claims 1-4, wherein the method further comprises:
and if the loan business meets the scene of the back-off business, updating the back-off detail information of the loan business from the back-off date.
6. The method of claim 5, wherein updating the compound interest profile information for the loan transaction starting from the back-off date comprises:
if the number of the back-off days does not exceed the updating threshold value, synchronously updating the back-off detail information of the loan business from the back-off date in real time; or alternatively, the first and second heat exchangers may be,
if the number of the back-off days exceeds the updating threshold, synchronously setting an asynchronous updating identification of the loan service and updating the starting date, and if the asynchronous updating identification is inquired, starting from the updating starting date, asynchronously updating the complex interest information of the loan service.
7. A data processing apparatus, the apparatus comprising:
the compound interest list determining module is used for calculating various types of interest based on the risk-free interest rate aiming at loan business of the risk-free interest rate compound interest, and generating compound interest list information of the loan business daily according to the calculated various types of interest;
the compound interest determining module is used for screening compound interest detail information of a corresponding date from the compound interest detail information of each day according to the relationship between the interest deadline date and the current date, and determining the risk-free interest total amount of loan business on the interest deadline date according to the compound interest detail information of the corresponding date;
and the loan interest determining module is used for determining the loan interest of the loan business on the interest expiration date according to the risk-free interest sum of the loan business on the interest expiration date and the single interest of the loan business.
8. The apparatus of claim 7, wherein the complex interest determination module is specifically configured to:
if the interest deadline is the current date, determining the risk-free interest total amount of the loan business on the interest deadline according to the compound interest detail information of the working day before the current date; or alternatively, the first and second heat exchangers may be,
if the interest deadline is greater than the current date, determining the total amount of risk-free interest from the last interest date to the current date according to the compound interest detail information of the current date; determining the total amount of risk-free interest from the current date to the interest deadline according to the compound interest detail information of the previous working day of the current date; and determining the total amount of the risk-free interest of the loan business on the interest ending date according to the total amount of the risk-free interest from the last interest ending date to the current date and the total amount of the risk-free interest from the current date to the interest ending date.
9. The apparatus according to claim 7 or 8, further comprising an update module, the update module being specifically configured to:
and if the loan business meets the scene of the back-off business, updating the back-off detail information of the loan business from the back-off date.
10. An electronic device, comprising:
a memory for storing program instructions;
a processor for invoking program instructions stored in said memory and for performing the steps comprised in the method according to any of claims 1-6 in accordance with the obtained program instructions.
11. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program comprising program instructions which, when executed by a computer, cause the computer to perform the method of any of claims 1-6.
12. A computer program product, the computer program product comprising: computer program code which, when run on a computer, causes the computer to perform the method of any of the preceding claims 1-6.
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