WO2017128374A1 - Recommendation method based on line of credit matching result of customer, and smart recommending and prompting system - Google Patents
Recommendation method based on line of credit matching result of customer, and smart recommending and prompting system Download PDFInfo
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- WO2017128374A1 WO2017128374A1 PCT/CN2016/072941 CN2016072941W WO2017128374A1 WO 2017128374 A1 WO2017128374 A1 WO 2017128374A1 CN 2016072941 W CN2016072941 W CN 2016072941W WO 2017128374 A1 WO2017128374 A1 WO 2017128374A1
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- the invention belongs to the field of intelligent finance, and provides a matching recommendation method and an intelligent recommendation prompting system according to the credit line of the customer.
- the system can timely distinguish whether the customer belongs to the bank service, not to the bank.
- the client When the client is serving, he or she will be recommended to other financial institutions in a timely manner. While helping customers meet their financing needs, they will improve the level of peer-to-peer cooperation, obtain service charges for referral customers in other financial institutions, and realize diversified operations of banks. Increase the proportion of income from intermediary business, reduce bank operation risks, and improve financial service levels.
- the embodiment of the invention provides a matching recommendation method and an intelligent recommendation prompting system according to the credit line of the customer, which can match the balance of the account of the user account with the balance of the account fund set by the financial institution, so that the system can timely find out whether the customer has sufficient funds. Carry out daily production and life, and then discover loan business opportunities in a timely manner, improve customer loan efficiency, achieve precise marketing, reduce marketing costs of financial institutions, and improve capital use efficiency.
- the present invention is implemented in such a way that a matching method is selected according to a customer credit line, including the following steps:
- the customer is deemed to be in compliance with the bank's lending conditions, and a message is issued to prompt the customer to lend;
- the embodiment of the invention further provides an intelligent recommendation prompting system, including:
- a recording unit for recording account asset amount information set by a financial institution and current account credit information of the customer
- a reading unit the input end is connected to the output end of the recording unit, and is configured to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
- the input end is connected to the output end of the reading unit, and is configured to determine whether the current loan demand of the customer exceeds a credit limit set by the organization;
- the control unit is connected to the output end of the judging unit. If the current loan demand of the customer does not exceed the credit limit set by the organization, the customer is deemed to be in compliance with the lending conditions of the bank, and the information indicating that the customer can lend to the customer is issued. If it is exceeded, it is considered that the customer is not suitable to lend to it, and recommend other high-risk lending resources to the client.
- the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve Financial service level.
- FIG. 1 is a schematic flowchart of a method for matching a recommendation according to a credit line of a customer according to an embodiment of the present invention
- FIG. 2 is a schematic structural diagram of an intelligent recommendation prompting system according to an embodiment of the present invention.
- figure 1 It is a schematic flowchart of a matching recommendation method according to a customer credit line provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
- step S101 the credit line of the bank to the customer and the current loan demand information of the customer are recorded.
- step S102 the credit line of the bank to the customer and the current loan demand information of the customer are read.
- step S103 In the judgment, whether the current loan demand of the customer exceeds the credit limit set by the institution; if the current loan demand of the customer does not exceed the credit line set by the institution, the customer is deemed to meet the loan conditions of the bank, and the process proceeds to step S104.
- the information indicating that the customer can be loaned is issued; if it is exceeded, it is deemed that the customer is not suitable for lending again, and steps S10 and 5 are entered, and other high-risk preference lending resources are recommended to the customer.
- the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve Financial service level.
- FIG. 2 is a schematic structural diagram of an intelligent recommendation prompting system according to an embodiment of the present invention, where the smart recommendation prompting system includes:
- the recording unit 21 is configured to record account asset quota information set by the financial institution and current account credit information of the customer;
- Reading unit 22 the input terminal and the recording unit 21 The output ends are connected to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
- Judging unit 23 the input terminal and the reading unit 22
- the output terminals are connected to determine whether the customer's current loan demand exceeds the credit limit set by the organization
- Control unit 24 the input terminal and the judging unit 23
- the output of the customer is connected. If the current loan demand of the customer does not exceed the credit line set by the organization, it is deemed that the customer meets the loan conditions of the bank, and the information indicating that the customer can lend the loan is issued; if it exceeds, the customer is deemed unsuitable. Loan them and recommend other high-risk lending resources to customers.
- the working principle is: the recording unit 21 records the account asset quota information set by the financial institution and the current account quota information of the customer; the reading unit 22 Reading the account asset quota information set by the financial institution and the current account credit amount information of the customer; the determining unit 23 determines whether the current loan demand of the client exceeds the credit limit set by the institution; the control unit 24 When the customer's current loan demand does not exceed the credit line set by the organization, the company will issue a message indicating that the customer can lend the loan; when it exceeds, and recommend other high-risk preference lending resources to the customer.
- the invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve Financial service level.
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Abstract
The present invention relates to the field of intelligent finance, and provides a recommendation method based on a line of credit matching result of a customer, and a smart recommending and prompting system. The method comprises: recording the line of credit and the current loan demand information of a customer in a bank; determining whether the current loan demand of the customer exceeds the line of credit set for the customer by an institution; if not, determining that the lending conditions of the bank for the customer are satisfied, and providing prompt information of lending to the customer; and if yes, determining that it is not suitable to lend to the customer, and recommending other lending resources of high risk preference to the customer. The present invention is able to improve inter-bank cooperation while satisfying the financing requirement of a customer, charge other inter-financial institutions for services recommended to the customer, implement diversified operation of a bank, improve the revenue ratio of intermediary services, decrease the risks of the bank, and improve the financial service level.
Description
本发明属于智能金融 领域 ，提供了一种根据客户授信额度匹配推荐方法及智能推荐提示系统。 The invention belongs to the field of intelligent finance, and provides a matching recommendation method and an intelligent recommendation prompting system according to the credit line of the customer.
现在正式进入经济增速换挡期，经济结构调整期和前期政策释放期，三期叠加下经济环境恶化，企业发展举步维艰，个人生活水平也直线下降，为保证资金流顺畅，生产经营顺利正常进行，个人生活维持在一定水平之上，无论是企业还是个人都在向各类金融机构贷款融资，但是源自银行等传统金融机构稳健经营的思想，在授信方面把控比较严格，一旦超出了客户的授信额度，便不再对其提供融资服务。这会造成如下困境：
Now officially enters the economic growth shift period, the economic restructuring period and the previous policy release period, the economic environment deteriorates in the third period, the enterprise development is difficult, and the personal living standard is also plummeting. In order to ensure smooth flow of funds, production and operation are proceeding smoothly. Personal life is maintained above a certain level. Both enterprises and individuals are financing loans to various financial institutions. However, the idea of stable operation from traditional financial institutions such as banks is stricter in terms of credit, once they exceed the customer. The credit line will no longer provide financing services. This will cause the following dilemmas:
1
、亟需资金的客户难以顺利融到所需资金，就企业而言，可能导致资金链断裂，影响生产经营，甚至恶化到破产倒闭，大部分员工流离失所，生活难以为继，增加社会的不稳定性； 1
It is difficult for customers who need funds to smoothly integrate the required funds. As far as enterprises are concerned, it may lead to the break of the capital chain, affecting production and operation, and even worsening to bankruptcy. Most of the employees are displaced, life is unsustainable, and social instability is increased. Sex
2 、个人融资需求难以得到及时的满足，生活质量严重下降，难以维持生计，增加社会的不和谐性； 2, personal financing needs are difficult to get timely satisfaction, the quality of life is seriously degraded, it is difficult to maintain livelihoods, increase social disharmony;
3
、大量消费金融公司、小贷公司客户资源匮乏，难以发掘优质客户资源，导致大量资金闲置，难以发挥金融机构支持实体经济的功能，而银行等大型金融机构的业务收入来源单一，只能依靠传统的存贷业务，中间业务收入增长缓慢。 3
The large number of consumer finance companies and small loan companies lack resources, and it is difficult to find high-quality customer resources, resulting in a large amount of funds being idle. It is difficult to play the role of financial institutions to support the real economy. Large financial institutions such as banks have a single source of income and can only rely on tradition. The deposit and loan business, the income of the intermediary business grew slowly.
综上，需要对既有金融服务系统进行适当的改造，通过将银行的对该类客户的授信额度和客户的贷款需求相匹配，让系统能够及时分别客户是否属于银行服务的对象，不属于银行服务对象的时候，及时将其推荐给其他金融机构，在帮助客户满足其融资需求的同时，提升同业合作水平，能在其他金融同业机构中获取推荐客户的服务收费，实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平。
In summary, it is necessary to make appropriate modifications to the existing financial service system, and by matching the bank's credit line for such customers with the customer's loan demand, the system can timely distinguish whether the customer belongs to the bank service, not to the bank. When the client is serving, he or she will be recommended to other financial institutions in a timely manner. While helping customers meet their financing needs, they will improve the level of peer-to-peer cooperation, obtain service charges for referral customers in other financial institutions, and realize diversified operations of banks. Increase the proportion of income from intermediary business, reduce bank operation risks, and improve financial service levels.
本发明实施例提供了一种根据客户授信额度匹配推荐方法及智能推荐提示系统，能够通过将用户账户资金余额与金融机构设定的账户资金余额相匹配，让系统能够及时发现客户是否有充足资金进行日常生产生活，进而及时发现贷款商机，提升客户贷款效率，实现精准营销，降低金融机构营销成本，提高资金使用效率。
The embodiment of the invention provides a matching recommendation method and an intelligent recommendation prompting system according to the credit line of the customer, which can match the balance of the account of the user account with the balance of the account fund set by the financial institution, so that the system can timely find out whether the customer has sufficient funds. Carry out daily production and life, and then discover loan business opportunities in a timely manner, improve customer loan efficiency, achieve precise marketing, reduce marketing costs of financial institutions, and improve capital use efficiency.
本发明是这样实现的：一种根据客户授信额度匹配推荐方法，包括以下步骤： The present invention is implemented in such a way that a matching method is selected according to a customer credit line, including the following steps:
记录银行对客户的授信额度和客户当前的贷款需求信息； Record the credit line of the bank to the customer and the current loan demand information of the customer;
读取银行对客户的授信额度和客户当前的贷款需求信息； Read the credit line of the bank to the customer and the current loan demand information of the customer;
判断客户当前贷款需求是否超过机构对其设定的信用额度； Determine whether the customer's current loan demand exceeds the credit limit set by the organization;
若否，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息； If not, the customer is deemed to be in compliance with the bank's lending conditions, and a message is issued to prompt the customer to lend;
若是，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。 If so, it is considered that the customer is not suitable to lend to it and recommend other high-risk lending resources to the client.
本发明实施例还提供了一种智能推荐提示系统，包括： The embodiment of the invention further provides an intelligent recommendation prompting system, including:
记录单元，用于记录金融机构设定的账户资产额度信息和客户当前账户额度信息； a recording unit for recording account asset amount information set by a financial institution and current account credit information of the customer;
读取单元，该输入端与记录单元的输出端相连接，用于读取金融机构设定的账户资产额度信息和客户当前账户额度信息；
a reading unit, the input end is connected to the output end of the recording unit, and is configured to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
判断单元，该输入端与读取单元的输出端相连接，用于判断客户当前贷款需求是否超过机构对其设定的信用额度；
a determining unit, the input end is connected to the output end of the reading unit, and is configured to determine whether the current loan demand of the customer exceeds a credit limit set by the organization;
调控单元，该输入端与判断单元的输出端相连接，若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。
The control unit is connected to the output end of the judging unit. If the current loan demand of the customer does not exceed the credit limit set by the organization, the customer is deemed to be in compliance with the lending conditions of the bank, and the information indicating that the customer can lend to the customer is issued. If it is exceeded, it is considered that the customer is not suitable to lend to it, and recommend other high-risk lending resources to the client.
该发明通过将银行的对该类客户的授信额度和客户的贷款需求相匹配，让系统能够及时分别客户是否属于银行服务的对象，不属于银行服务对象的时候，及时将其推荐给其他金融机构，在帮助客户满足其融资需求的同时，提升同业合作水平，能在其他金融同业机构中获取推荐客户的服务收费，实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平。
The invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve Financial service level.
图 1 是本发明实施例提供的一种根据客户授信额度匹配推荐方法 的流程示意图 ； 1 is a schematic flowchart of a method for matching a recommendation according to a credit line of a customer according to an embodiment of the present invention;
图 2 是本发明实施例提供的智能推荐提示系统的结构示意图。 FIG. 2 is a schematic structural diagram of an intelligent recommendation prompting system according to an embodiment of the present invention.
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
图 1
是发明实施例提供的一种根据客户授信额度匹配推荐方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。 figure 1
It is a schematic flowchart of a matching recommendation method according to a customer credit line provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
在步骤 S101 中，记录银行对客户的授信额度和客户当前的贷款需求信息。 In step S101, the credit line of the bank to the customer and the current loan demand information of the customer are recorded.
在步骤 S102 中，读取银行对客户的授信额度和客户当前的贷款需求信息。 In step S102, the credit line of the bank to the customer and the current loan demand information of the customer are read.
在步骤 S103
中，判断客户当前贷款需求是否超过机构对其设定的信用额度；若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，进入步骤 S104
，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，进入步骤 S10,5 ，并向客户推荐其他高风险偏好的放贷资源。 In step S103
In the judgment, whether the current loan demand of the customer exceeds the credit limit set by the institution; if the current loan demand of the customer does not exceed the credit line set by the institution, the customer is deemed to meet the loan conditions of the bank, and the process proceeds to step S104.
The information indicating that the customer can be loaned is issued; if it is exceeded, it is deemed that the customer is not suitable for lending again, and steps S10 and 5 are entered, and other high-risk preference lending resources are recommended to the customer.
该发明通过将银行的对该类客户的授信额度和客户的贷款需求相匹配，让系统能够及时分别客户是否属于银行服务的对象，不属于银行服务对象的时候，及时将其推荐给其他金融机构，在帮助客户满足其融资需求的同时，提升同业合作水平，能在其他金融同业机构中获取推荐客户的服务收费，实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平。
The invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve Financial service level.
图 2 是本发明实施例提供的一种智能推荐提示系统的结构示意图，该智能推荐提示系统包括： FIG. 2 is a schematic structural diagram of an intelligent recommendation prompting system according to an embodiment of the present invention, where the smart recommendation prompting system includes:
记录单元 21 ，读取单元 22 ，判断单元 23 ，调控单元 24 ，其中 a recording unit 21, a reading unit 22, a judging unit 23, and a regulating unit 24, wherein
记录单元 21 ，用于记录金融机构设定的账户资产额度信息和客户当前账户额度信息； The recording unit 21 is configured to record account asset quota information set by the financial institution and current account credit information of the customer;
读取单元 22 ，该输入端与记录单元 21
的输出端相连接，用于读取金融机构设定的账户资产额度信息和客户当前账户额度信息； Reading unit 22, the input terminal and the recording unit 21
The output ends are connected to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;
判断单元 23 ，该输入端与读取单元 22
的输出端相连接，用于判断客户当前贷款需求是否超过机构对其设定的信用额度； Judging unit 23, the input terminal and the reading unit 22
The output terminals are connected to determine whether the customer's current loan demand exceeds the credit limit set by the organization;
调控单元 24 ，该输入端与判断单元 23
的输出端相连接，若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。 Control unit 24, the input terminal and the judging unit 23
The output of the customer is connected. If the current loan demand of the customer does not exceed the credit line set by the organization, it is deemed that the customer meets the loan conditions of the bank, and the information indicating that the customer can lend the loan is issued; if it exceeds, the customer is deemed unsuitable. Loan them and recommend other high-risk lending resources to customers.
其工作原理是：记录单元 21 记录金融机构设定的账户资产额度信息和客户当前账户额度信息；读取单元 22
读取金融机构设定的账户资产额度信息和客户当前账户额度信息；判断单元 23 判断客户当前贷款需求是否超过机构对其设定的信用额度；调控单元 24
在客户当前贷款需求未超过机构对其设定的授信额度时，发出提示可以对客户进行放贷的信息；在超过时，并向客户推荐其他高风险偏好的放贷资源。 The working principle is: the recording unit 21 records the account asset quota information set by the financial institution and the current account quota information of the customer; the reading unit 22
Reading the account asset quota information set by the financial institution and the current account credit amount information of the customer; the determining unit 23 determines whether the current loan demand of the client exceeds the credit limit set by the institution; the control unit 24
When the customer's current loan demand does not exceed the credit line set by the organization, the company will issue a message indicating that the customer can lend the loan; when it exceeds, and recommend other high-risk preference lending resources to the customer.
该发明通过将银行的对该类客户的授信额度和客户的贷款需求相匹配，让系统能够及时分别客户是否属于银行服务的对象，不属于银行服务对象的时候，及时将其推荐给其他金融机构，在帮助客户满足其融资需求的同时，提升同业合作水平，能在其他金融同业机构中获取推荐客户的服务收费，实现银行的多元化经营，提高中间业务收入占比，降低银行经营风险，提高金融服务水平。
The invention matches the bank's credit line for the customer with the customer's loan demand, so that the system can timely distinguish whether the customer belongs to the bank service object, and when not belonging to the bank service object, promptly recommend it to other financial institutions. While helping customers meet their financing needs, they can improve the level of inter-bank cooperation, obtain service charges for referral customers in other financial institutions, realize diversified operations of banks, increase the proportion of income from intermediary businesses, reduce bank management risks, and improve Financial service level.
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。
The above are only the preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalents, and improvements made within the spirit and scope of the present invention should be included in the scope of the present invention. Inside.
Claims (2)
- 一种根据客户授信额度匹配推荐方法，其特征在于，所述方法包括如下步骤： A method for matching recommendations according to a customer credit line, characterized in that the method comprises the following steps:记录银行对客户的授信额度和客户当前的贷款需求信息；Record the credit line of the bank to the customer and the current loan demand information of the customer;读取银行对客户的授信额度和客户当前的贷款需求信息；Read the credit line of the bank to the customer and the current loan demand information of the customer;判断客户当前贷款需求是否超过机构对其设定的信用额度；Determine whether the customer's current loan demand exceeds the credit limit set by the organization;若否，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；If not, the customer is deemed to be in compliance with the bank's lending conditions, and a message is issued to prompt the customer to lend;若是，视为客户不适合在对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。If so, it is considered that the customer is not suitable to lend to them and recommend other high-risk lending resources to the client.
- 一种智能推荐提示系统，其特征在于，所述智能推荐提示系统包括：An intelligent recommendation prompting system, wherein the smart recommendation prompting system comprises:记录单元，用于记录金融机构设定的账户资产额度信息和客户当前账户额度信息；a recording unit for recording account asset amount information set by a financial institution and current account credit information of the customer;读取单元，该输入端与记录单元的输出端相连接，用于读取金融机构设定的账户资产额度信息和客户当前账户额度信息；a reading unit, the input end is connected to the output end of the recording unit, and is configured to read the account asset quota information set by the financial institution and the current account credit amount information of the customer;判断单元，该输入端与读取单元的输出端相连接，用于判断客户当前贷款需求是否超过机构对其设定的信用额度；a determining unit, the input end is connected to the output end of the reading unit, and is configured to determine whether the current loan demand of the customer exceeds a credit limit set by the organization;调控单元，该输入端与判断单元的输出端相连接，若客户当前贷款需求未超过机构对其设定的授信额度，视为客户符合本银行的放贷条件，发出提示可以对客户进行放贷的信息；若超过，视为客户不适合再对其进行放贷，并向客户推荐其他高风险偏好的放贷资源。The control unit is connected to the output end of the judging unit. If the current loan demand of the customer does not exceed the credit limit set by the organization, the customer is deemed to be in compliance with the lending conditions of the bank, and the information indicating that the customer can lend to the customer is issued. If it is exceeded, it is considered that the customer is not suitable to lend to it, and recommend other high-risk lending resources to the client.
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