CN104424597A - Interest rate management method and system - Google Patents
Interest rate management method and system Download PDFInfo
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- CN104424597A CN104424597A CN201310385421.6A CN201310385421A CN104424597A CN 104424597 A CN104424597 A CN 104424597A CN 201310385421 A CN201310385421 A CN 201310385421A CN 104424597 A CN104424597 A CN 104424597A
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Abstract
The invention provides an interest rate management system. A resource allocation process is started, and an interest rate version is established. A database capacity detection mechanism is started and capacity of the interest rate version is detected in a timing way or in real time. If capacity of the interest rate version does not surpasses the preset threshold value, loan and saving detailed interest rate data are written into the interest rate version. An execution interest rate value corresponding to the interest rate version is confirmed according to the selected interest rate version information, and interest is calculated. Problems of low interest rate management efficiency and poor flexibility caused by the fact that the interest rate version with different interest rate management cannot be provided can be solved so that interest rate management efficiency and flexibility are enhanced.
Description
Technical field
The present invention relates to areas of information technology, be specifically related to a kind of method and system of interest rate management.
Background technology
At present in financial field, be the benchmark interest rate of promulgating using People's Bank of China (hereinafter referred to as Central Bank) in CONTINENTAL AREA OF CHINA as the interest rate foundation of Ge Jia financial institution process loans and deposits service computation interest.But in Hong Kong, Taiwan or European & American Market, namely the interest rate that financial institution uses according to being no longer Central Bank's benchmark interest rate.Particularly for transnational financial institution, its in country variant/area, the loans and deposits business of different Currency Type is provided, also can use multiple interest rate foundation.
Current to enterprise of domestic large-scale transnational group, there is the business of carrying out credit to transnational financial institution (hereinafter referred to as bank).The subsidiary company of different regions belonging to it, to same bank different branch officeses, obtain the loan of different Currency Type, this bank just may adopt different interest rates according to bearing interest.
As the conglomerate of loaning bill side, need information system when registration of contracts information, interest-bearing, financing structure, finance costs are analyzed, the business processing based on different interest rates foundation can be provided.
For the benchmark interest rate of People's Bank of China, specific benchmark interest rate is had in Tibet region, there is the practical business situation of a benchmark interest rate in the area, inland of China except Tibet, if do not divide interest rate version, just cause mistake choosing during selection reference interest rate.
And in prior art, the interest rate version that a kind of different interest rates manages cannot be provided, cause interest rate management inefficiency, very flexible.
Summary of the invention
The object of the invention is to overcome weak point of the prior art, a kind of method and system of interest rate management are provided, solve in prior art the interest rate version that a kind of different interest rates cannot be provided to manage, cause interest rate management inefficiency, the problem of very flexible, improves efficiency and the dirigibility of interest rate management.
The embodiment of the present invention provides a kind of method of interest rate management, comprising:
Interest rate management system starts Resourse Distribute process, creates interest rate version;
Described interest rate management system start-up data storage capacity testing mechanism, timing or in real time the capacity of interest rate version is detected;
If described interest rate version capacity does not exceed set threshold value, described interest rate management system write loan, deposits in detailed interest rate data to described interest rate version;
Described interest rate management system, according to the interest rate version information selected, is determined the exercise rate value that described interest rate version is corresponding, and is calculated interest.
The embodiment of the present invention also provides a kind of interest rate management system, it is characterized in that, comprising:
Creating unit, for starting Resourse Distribute process, creates interest rate version;
Detecting unit, for starting database volume testing mechanism, timing or in real time the capacity of interest rate version is detected;
Writing unit, if do not exceed set threshold value for described interest rate version capacity, write loan, deposits in detailed interest rate data to described interest rate version;
Determining unit, for according to the interest rate version information selected, determines the exercise rate value that described interest rate version is corresponding, and calculates interest.
By the method and system that the embodiment of the present invention provides, interest rate management system starts Resourse Distribute process, create interest rate version, start database volume testing mechanism, timing the or in real time capacity of interest rate version is detected, if described interest rate version capacity does not exceed set threshold value, write loan, deposits in detailed interest rate data to described interest rate version, according to the interest rate version information selected, determine the exercise rate value that described interest rate version is corresponding, and calculate interest.Solve the interest rate version that a kind of different interest rates cannot be provided to manage, cause interest rate management inefficiency, the problem of very flexible, improve efficiency and the dirigibility of interest rate management.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, below the accompanying drawing used required in describing embodiment is briefly described, apparently, accompanying drawing in the following describes is some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the method flow diagram of the embodiment of the present invention one;
Fig. 2 is interest rate management system write deposit and loan data schematic diagram;
Fig. 3 is the association control chart of registration contract;
Fig. 4 is the system composition diagram of the embodiment of the present invention two.
Embodiment
For making the object of the embodiment of the present invention, technical scheme and advantage clearly, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain under the prerequisite not making creative work, all belongs to the scope of protection of the invention.
Embodiment one
As shown in Figure 1, the flow process in the embodiment of the present invention is as follows:
S101, interest rate management system start Resourse Distribute process, create interest rate version;
It should be noted that, after creating interest rate version, described interest rate management system, also by trigger Extensible parameter field event, is expanded the parameter field of described interest rate version, adds area, in bank and Currency Type three class parameter field to described interest rate version.
S102, described interest rate management system start-up data storage capacity testing mechanism, timing or in real time the capacity of interest rate version is detected;
If S103 described interest rate version capacity does not exceed set threshold value, described interest rate management system write loan, deposits in detailed interest rate data to described interest rate version;
It should be noted that, newly-increased interest rate version, must select area, bank, Currency Type three key element values in systems in which, and after preserving an interest rate version, then typing is provided a loan, deposited detailed interest rate value respectively.
Fig. 2 is this interest rate management system write deposit and loan data schematic diagram, and as shown in Figure 2, this version and bank, Currency Type, regional three has one-to-one relationship, and can typing loan interest rate, the data such as deposit rate.
After this, the information such as interest rate basis, interest-bearing radix, affiliated area that described interest rate management system is same according to correlation rule fusion can generate automatically.Be specially: the information generating affiliated area parameter, lending agency parameter, financing source parameter and contract rate of interest parameter, and the information of affiliated area parameter, lending agency parameter, financing source parameter and contract rate of interest parameter can not be changed,
S104, described interest rate management system, according to the interest rate version information selected, are determined the exercise rate value that described interest rate version is corresponding, and are calculated interest.
When carrying out deemed interest and calculating, this system automatically according to the interest rate version information of contract, automatically determine the exercise rate value of corresponding version interest rate, and interest algorithm can figure interest.Described interest rate management system determines the exercise rate value that described interest rate version is corresponding, and calculate interest, be specially: the registration of contracts information of input is carried out associating with current interest rate version and controlled by described interest rate management system, and determine the exercise rate value that the interest rate version of described selection is corresponding, afterwards, interest rate management system calculates interest according to the interest algorithm (or interest formula) of correspondence.The association of its registration contract controls as shown in Figure 3.
Embodiment two
Fig. 4 is system composition diagram, and as shown in Figure 4, this system comprises:
Creating unit 201, for starting Resourse Distribute process, creates interest rate version;
It should be noted that, described interest rate management system also comprises: expanding element, for after creating unit 201 creates interest rate version, trigger Extensible parameter field event, the parameter field of described interest rate version is expanded, add area, in bank and Currency Type three class parameter field to described interest rate version.
Detecting unit 202, for starting database volume testing mechanism, timing or in real time the capacity of interest rate version is detected;
Writing unit 203, if do not exceed set threshold value for described interest rate version capacity, write loan, deposits in detailed interest rate data to described interest rate version;
In addition, described interest rate management system also comprises: generation unit, for after writing unit 203 completes write operation, generate the information of affiliated area parameter, lending agency parameter, financing source parameter and contract rate of interest parameter, and the information of affiliated area parameter, lending agency parameter, financing source parameter and contract rate of interest parameter can not be changed.
Determining unit 204, for according to the interest rate version information selected, determines the exercise rate value that described interest rate version is corresponding, and calculates interest.
Determining unit 204 determines the exercise rate value that described interest rate version is corresponding, and calculate interest, be specially: the registration of contracts information of input is carried out associating with current interest rate version control, and determine the exercise rate value that the interest rate version of described selection is corresponding, and calculate interest according to the interest algorithm of correspondence.
One of ordinary skill in the art will appreciate that: accompanying drawing is the schematic diagram of an embodiment, the unit in accompanying drawing or flow process might not be that enforcement the present invention is necessary.
In several embodiments that the application provides, should be understood that, disclosed system, equipment and method, can realize by another way.Such as, apparatus embodiments described above is only schematic, such as, the division of described unit, be only a kind of logic function to divide, actual can have other dividing mode when realizing, such as multiple unit or assembly can in conjunction with or another system can be integrated into, or some features can be ignored, or do not perform.Another point, shown or discussed coupling each other or direct-coupling or communication connection can be by some interfaces, and the indirect coupling of equipment or unit or communication connection can be electrical, machinery or other form.
The described unit illustrated as separating component or can may not be and physically separates, and the parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of unit wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, also can be that the independent physics of unit exists, also can two or more unit in a unit integrated.Above-mentioned integrated unit both can adopt the form of hardware to realize, and the form that hardware also can be adopted to add SFU software functional unit realizes.
The above-mentioned integrated unit realized with the form of SFU software functional unit, can be stored in a computer read/write memory medium.Above-mentioned SFU software functional unit is stored in a storage medium, comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) perform the part steps of method described in each embodiment of the present invention.And aforesaid storage medium comprises: USB flash disk, portable hard drive, ROM (read-only memory) (Read-Only Memory, be called for short ROM), random access memory (RandomAccess Memory, be called for short RAM), magnetic disc or CD etc. various can be program code stored medium.Last it is noted that above embodiment is only in order to illustrate technical scheme of the present invention, be not intended to limit; Although with reference to previous embodiment to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in foregoing embodiments, or carries out equivalent replacement to wherein portion of techniques feature; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (8)
1. a method for interest rate management, is characterized in that, comprising:
Interest rate management system starts Resourse Distribute process, creates interest rate version;
Described interest rate management system start-up data storage capacity testing mechanism, timing or in real time the capacity of interest rate version is detected;
If described interest rate version capacity does not exceed set threshold value, described interest rate management system write loan, deposits in detailed interest rate data to described interest rate version;
Described interest rate management system, according to the interest rate version information selected, is determined the exercise rate value that described interest rate version is corresponding, and is calculated interest.
2. method according to claim 1, is characterized in that, before described interest rate management system start-up data storage capacity testing mechanism, also comprises:
Described interest rate management system triggers spreading parameter field event, expands the parameter field of described interest rate version, adds area, in bank and Currency Type three class parameter field to described interest rate version.
3. method according to claim 2, is characterized in that, described determine the exercise rate value of corresponding interest rate version before, also comprise:
Described interest rate management system generates the information of affiliated area parameter, lending agency parameter, financing source parameter and contract rate of interest parameter, and the information of affiliated area parameter, lending agency parameter, financing source parameter and contract rate of interest parameter can not be changed.
4. the method according to any one of claim 1-3, is characterized in that, described interest rate management system determines the exercise rate value that described interest rate version is corresponding, and calculates interest, comprising:
The registration of contracts information of input is carried out associating with current interest rate version and is controlled by described interest rate management system, and determines the exercise rate value that the interest rate version of described selection is corresponding;
Described interest rate management system calculates interest according to the interest algorithm of correspondence.
5. an interest rate management system, is characterized in that, comprising:
Creating unit, for starting Resourse Distribute process, creates interest rate version;
Detecting unit, for starting database volume testing mechanism, timing or in real time the capacity of interest rate version is detected;
Writing unit, if do not exceed set threshold value for described interest rate version capacity, write loan, deposits in detailed interest rate data to described interest rate version;
Determining unit, for according to the interest rate version information selected, determines the exercise rate value that described interest rate version is corresponding, and calculates interest.
6. system according to claim 5, is characterized in that, described interest rate management system also comprises:
Expanding element, for trigger Extensible parameter field event, expands the parameter field of described interest rate version, adds area, in bank and Currency Type three class parameter field to described interest rate version.
7. system according to claim 6, is characterized in that, described interest rate management system also comprises:
Generation unit, for generating the information of affiliated area parameter, lending agency parameter, financing source parameter and contract rate of interest parameter, and the information of affiliated area parameter, lending agency parameter, financing source parameter and contract rate of interest parameter can not be changed.
8. the system according to any one of claim 5-7, is characterized in that, described determining unit determines the exercise rate value that described interest rate version is corresponding, and calculates interest, comprising:
The registration of contracts information of input is carried out associating with current interest rate version and controls, and determine the exercise rate value that the interest rate version of described selection is corresponding;
Interest algorithm according to correspondence calculates interest.
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| CN201310385421.6A CN104424597A (en) | 2013-08-29 | 2013-08-29 | Interest rate management method and system |
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| CN201310385421.6A CN104424597A (en) | 2013-08-29 | 2013-08-29 | Interest rate management method and system |
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| CN107437221A (en) * | 2017-08-03 | 2017-12-05 | 中国银行股份有限公司 | The determination method and device of floating interest rate |
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| CN107437221A (en) * | 2017-08-03 | 2017-12-05 | 中国银行股份有限公司 | The determination method and device of floating interest rate |
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Application publication date: 20150318 |