CN106960383A - Default interest computational methods of providing a loan and system - Google Patents
Default interest computational methods of providing a loan and system Download PDFInfo
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- CN106960383A CN106960383A CN201710173033.XA CN201710173033A CN106960383A CN 106960383 A CN106960383 A CN 106960383A CN 201710173033 A CN201710173033 A CN 201710173033A CN 106960383 A CN106960383 A CN 106960383A
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- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention provides one kind loan default interest computational methods and system, this method includes：Obtain interest rate in the default interest option corresponding default interest introductory period bought during user's loan and introductory period, introductory period outer interest rate；Before Expiration Date default interest introductory period, daily default interest and daily default interest difference in the introductory period are calculated according to interest rate, the principal and interest amount of money that interest rate and user are currently in arrears with outside the introductory period in the introductory period；Before Expiration Date default interest introductory period, judge whether to occur to refund so that user is not in arrears with loan；If occurring to refund before Expiration Date default interest introductory period and make it that user is not in arrears with loan, the daily default interest difference is reset, while collecting summation to the daily default interest being in arrears with the date obtains that default interest should be gone back；If Expiration Date user is still in arrears with loan in the default interest introductory period, from Expiration Date default interest introductory period, the principal and interest amount of money being currently in arrears with according to interest rate and user outside the introductory period calculates daily default interest outside the introductory period.
Description
Technical field
The invention belongs to bank paying, clearing technical field, more particularly to a kind of loan default interest computational methods and system.
Background technology
At present, most of banks calculate default interest after overdue loan according to floating interest rate pattern, and it is single that default interest collects pattern,
It is unfavorable for the trend of interest rate marketing diversified development.It is in arrears with especially for client is provisional caused by personal reason, such as
Capital turnover inconvenience, forget to refund, the reason such as failure of transferring accounts, bank gives certain default interest introductory period, lifting hommization, customization
The good service of change.But, the flexible default interest introductory period sets the difficulty for just increasing default interest calculating, especially in the introductory period
The default interest amount of money will be recalculated all during inside and outside switching.
The default interest computational methods that bank uses at present are described briefly below.The default interest interest rate that most of banks are set,
Generally account interest rate floating certain proportion, computing formula is as follows：
Default interest interest rate=(1+ default interest interest rate, which floats, to be compared) * account interest rates.
The principal and interest amount of money P* default interest interest rates that daily default interest amount of money B=is in arrears with
For example, for the system of the daily accumulation default interest amount of money, in system data D+N day, the default interest amount of money is the face in Fig. 1
Product W (W=N*B).
Principal and interest remaining sum change array a is in arrears with, it is necessary to be formed according to time shaft when calculating the default interest of back Valvation transaction, and according to
Time shaft formation change of interest rate array b, then adds up the amount of money X that default interest is adjusted in interest dates, finally tired according to time slice
Plus a*b, obtain the newest default interest amount of money：
The newest default interest amount of money=a*b* interest dates+adjustment amount of money X
As can be seen that influence the default interest amount of money factor have daily default interest amount of money B and bear interest cycle N, daily default interest amount of money B by
It is in arrears with the principal and interest amount of money, the influence of default interest Interests.Therefore, need to consider following factor when the default interest amount of money is reruned：It is in arrears with principal and interest
Amount of money change, period default interest change of interest rate, period adjust the default interest amount of money transaction, be related at least account flowing water history, penalize
Interest rate history, the variable of three dimensions of remaining sum history are ceased, reading tables of data expense is very big, and calculating logic is extremely complex, and the bit error rate is high.
The data volume of calculating is just more increased when the backtracking phase is longer.On the basis of such complicated default interest is calculated, the introductory period is re-introduced into
Concept, i.e., except three above dimension, and the time dimension that many introductory periods are interval, reformed into the meter of four dimensions variable
Calculate.Algorithm realization is upper extremely complex, and inefficiency.
In summary, in order to save system-computed expense, to reduce concurrency and batch time to banking processing
Window, needs a kind of simple and effective computational methods badly.
The content of the invention
In order to solve the above technical problems, the embodiments of the invention provide one kind loan default interest computational methods and system.
On the one hand the embodiment of the present invention provides a kind of loan default interest computational methods, the loan default interest computational methods bag
Include：
Obtain interest rate in the default interest option corresponding default interest introductory period bought during user's loan and introductory period, outside the introductory period
Interest rate；
Before Expiration Date default interest introductory period, according to interest rate in the introductory period, interest rate and user currently drag outside the introductory period
The deficient principal and interest amount of money calculates daily default interest and daily default interest difference in the introductory period；
Before Expiration Date default interest introductory period, judge whether to occur to refund so that user is not in arrears with loan；
If occurring to refund before Expiration Date default interest introductory period and make it that user is not in arrears with loan, by the daily default interest
Difference is reset, while collecting summation to the daily default interest being in arrears with the date obtains that default interest should be gone back；
If Expiration Date user is still in arrears with loan in the default interest introductory period, from Expiration Date default interest introductory period, according to institute
State daily default interest outside the principal and interest amount of money calculating introductory period that introductory period outer interest rate and user are currently in arrears with.
On the other hand the embodiment of the present invention additionally provides a kind of loan default interest computing system, the loan default interest computing system
Including：
Default interest parameter acquiring unit, during for obtaining user's loan default interest option corresponding default interest introductory period for being bought and
Interest rate, introductory period outer interest rate in introductory period；
First default interest computing unit, for before Expiration Date default interest introductory period, according to interest rate in the introductory period, preferential
The principal and interest amount of money that phase outer interest rate and user are currently in arrears with calculates daily default interest and daily default interest difference in the introductory period；
Judging unit, for judging whether to occur to refund before Expiration Date default interest introductory period so that user is not in arrears with loan；
Default interest clearing unit, when occurring to refund so that user is not in arrears with loan before Expiration Date default interest introductory period, is used for
The daily default interest difference is reset, while collecting summation to the daily default interest being in arrears with the date obtains that default interest should be gone back；
Second default interest computing unit, it is preferential from default interest for when the default interest introductory period, Expiration Date user was still in arrears with loan
From Expiration Date phase, the principal and interest amount of money being currently in arrears with according to interest rate and user outside the introductory period calculates daily default interest outside the introductory period.
The embodiment of the present invention is by way of setting introductory period and introductory period inside and outside two arbitrage rate, in the introductory period of setting
It is interior to calculate daily default interest according to interest rate in the introductory period, while the difference of interest rate adds up to penalize daily with interest rate outside the introductory period and in the introductory period
Difference is ceased, daily default interest is calculated according to interest rate outside the introductory period outside the introductory period, is involved in the default interest calculating process of multidimensional variable
Less variable is degraded to, complicated calculations are shared equally daily, is solved when interest rate switches by the way of cumulative default interest difference
Problem of reruning.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Other accompanying drawings are obtained according to these accompanying drawings.
Fig. 1 is that default interest of the prior art calculates legend；
Fig. 2 is the schematic flow sheet of embodiment of the present invention loan default interest computational methods；
Fig. 3 is that the default interest of the embodiment of the present invention one calculates legend；
Fig. 4 is the structural representation of embodiment of the present invention loan default interest computing system.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
The embodiments of the invention provide one kind loan default interest computational methods, the substantially flow of this method is as shown in Fig. 2 main
Comprise the following steps：
Step S1, interest rate in default interest option corresponding default interest introductory period for being bought and introductory period when obtaining user's loan,
Introductory period outer interest rate.
In embodiments of the present invention, when creating bank loan product, it is necessary to corresponding for each bank loan products configuration
Default interest option, the selection purchase in loan so as to creditor, the default interest option includes interest rate in default interest introductory period and introductory period, excellent
Favour phase outer interest rate.Purchase default interest option can be considered as bank and arrange the default interest clearing form after overdue loan with creditor, can be with
Suitable for any kind of loan, creditor pays certain expense, preferential to certain default interest of creditor to exchange bank for.
Wherein, default interest refers to what client can not pay the principal and interest on the loan on schedule, according to bank's agreement to user's loan default
The punishment interest that principal and interest is collected.The default interest introductory period refers to, after loan default, for creditor due to facing caused by not refunding in time
When property is in arrears with, and gives certain refund introductory period, within the introductory period, can guess deduction and exemption automatically according to the agreement of bank and client
Default interest disregards the preferential measure such as overdue.Interest rate refers to give client preferential interest rate within the default interest introductory period in introductory period,
Default interest interest rate the two interest rates that introductory period outer interest rate refers to collect outside the default interest introductory period can flexibly be set, but outside the introductory period
Interest rate is not less than interest rate in the introductory period.
Step S2, before Expiration Date default interest introductory period, according to interest rate, interest rate and user outside the introductory period in the above-mentioned introductory period
The principal and interest amount of money being currently in arrears with calculates daily default interest and daily default interest difference in the introductory period.
Step S3, before Expiration Date default interest introductory period, judge whether occur refund so that user is not in arrears with loan.
If step S4, before Expiration Date default interest introductory period occur refund cause user be not in arrears with loan, by step
Obtained daily default interest difference is calculated in S2 to reset, and obtains also penalizing while collecting summation to the daily default interest being in arrears with the date
Breath.
If step S5, in default interest introductory period Expiration Date user being still in arrears with loan, from Expiration Date default interest introductory period,
The principal and interest amount of money being currently in arrears with according to interest rate and user outside the introductory period calculates daily default interest outside the introductory period.
On the one hand the embodiment of the present invention solves the problem of back Valvation transaction complicated calculations, no longer recalculates in full penalize
Interest is ceased, but calculates default interest changing value, for example：The new default interest amount of money=original default interest amount of money+default interest changing value.Understand that default interest becomes
Change value is influenceed by following parameter：Be in arrears with principal and interest changing value (i.e. dealing money, is constant), default interest interest rate history (same to primal algorithm,
For variable).Adjustment transaction change does not influence default interest difference caused by back Valvation transaction during back Valvation, therefore need not consider the ginseng
Number.So far, the three-dimensional variable calculated in the prior art used by back Valvation default interest is reduced to one-dimensional variable by the present invention, is greatly reduced
Tables of data read volume and coupling is calculated, in particular for account on introductory period inside and outside change date, using every in the introductory period
Default interest difference inside and outside the day accumulative introductory period, is superimposed what early stage had added up daily on the change date on the basis of introductory period interest rate
Difference, reduces the expense reruned of default interest, complicated calculations are shared equally it is daily, when interest rate switches using the side of cumulative default interest difference
Formula solves problem of reruning.
Normally, interest rate can use zero rate in the default interest introductory period, also can calculate default interest using the natural rate of interest or overdue interest rate.
User can select to set introductory period, introductory period interior using what interest rate.According to the selection of user, user is enjoyed within the introductory period
The default interest of zero rate even can be enjoyed by relatively low interest rate, user can be avoided overdue, it is to avoid the bad reference record of user
Produce.
In one embodiment, user is made not to be in arrears with loan if refund occurs on the day of Expiration Date default interest introductory period, it is right
Daily default interest, daily default interest difference in the default interest introductory period collect summation and obtain that default interest should be gone back.That is, when user is in the default interest introductory period
When being refunded on the day of the Expiration Date, the daily default interest and daily default interest difference obtained to being calculated in the default interest introductory period is summed, you can
Obtain that default interest should be gone back.
In one embodiment, the daily default interest and daily default interest before Expiration Date default interest introductory period is calculated using step S2
During difference, daily default interest can be calculated according to the following formula：
The principal and interest amount of money that interest rate × user is currently in arrears with daily default interest=introductory period in introductory period
Daily default interest difference is calculated according to the following formula：
The principal and interest amount of money that daily default interest difference=(interest rate in introductory period outer interest rate-introductory period) × user is currently in arrears with
If Expiration Date user is still in arrears with loan in the default interest introductory period, from Expiration Date default interest introductory period, according to excellent
The principal and interest amount of money that favour phase outer interest rate and user are currently in arrears with calculates daily default interest outside the introductory period：
The principal and interest amount of money that outer interest rate × user of daily default interest=introductory period is currently in arrears with outside introductory period
Such as money is survived so that user is not in arrears with loan, then to Expiration Date default interest introductory period to refund in default interest introductory period outgoing
Daily default interest collects summation outside the introductory period of day, and is carried out with daily default interest sum in the introductory period and daily default interest difference sum
Summation, obtains that default interest should be gone back.
To be illustrated more clearly that technical solution of the present invention, now the embodiment of the present invention is said with specific sample calculation
It is bright.As shown in figure 3, shade A be using interest rate in the introductory period calculate to be in arrears with starting date certainly total to Expiration Date default interest introductory period
Default interest, shade B be interest rate using interest rate outside the introductory period and in the introductory period difference calculate be in arrears with starting date certainly to the default interest introductory period
Total default interest difference of Expiration Date, shade C is the total default interest of day from the preferential Expiration Date to system calculated using introductory period outer interest rate.
Within phase introductory period, default interest and default interest difference are calculated according to the interest rate in the introductory period daily, if refund occurs within the introductory period to be made
User account is without being in arrears with, and the required default interest given back is calculated according to interest rate in the introductory period, and default interest difference is reset.Arrived in the introductory period
The realized interest rate switching of same day phase day, the introductory period it is outer according to the introductory period outside interest rate calculate default interest.If on the day of Expiration Date introductory period
Generation, which is refunded, causes user account without being in arrears with, then the required default interest amount of money given back should be total default interest in the default interest introductory period with always penalizing
Cease difference sum, i.e. shade A and shade B area sum.If after Expiration Date introductory period occur refund cause user account without
It is in arrears with, then the required default interest given back is calculated according to interest rate outside the introductory period, the default interest gold given back needed for repayment date (i.e. system day)
Volume is shade 1A shades B and shade C area sum.
Based on the loan default interest computational methods identical inventive concept shown in Fig. 2, the embodiment of the present application additionally provides one
Loan default interest computing system is planted, as described in example below.Penalized because the system solves to provide a loan in the principle and Fig. 2 of technical problem
Cease computational methods it is similar, therefore the system implementation can be found in Fig. 2 in loan default interest computational methods implementation, repeat in place of not
Repeat again.
In another embodiment, default interest computing system, its structure are provided a loan as shown in figure 4, should present invention also offers one kind
Loan default interest computing system includes：Default interest parameter acquiring unit 1, the first default interest computing unit 2, judging unit 3, default interest advice of settlement
The default interest computing unit 5 of member 4 and second.Default interest parameter acquiring unit 1 is used to obtain the default interest option pair bought during user's loan
Interest rate, introductory period outer interest rate in the default interest introductory period answered and introductory period.First default interest computing unit 2 is used to arrive in the default interest introductory period
Before phase day, the introductory period is calculated according to interest rate, the principal and interest amount of money that interest rate and user are currently in arrears with outside the introductory period in the introductory period
Interior daily default interest and daily default interest difference.Judging unit 3 is used to judge that whether occurring refund before Expiration Date default interest introductory period makes
Obtain user and be not in arrears with loan.Default interest clearing unit 4 occurs to refund before working as Expiration Date default interest introductory period make it that user is not in arrears with loan
During money, for the daily default interest difference to be reset, obtain also penalizing while collecting summation to the daily default interest being in arrears with the date
Breath.Second default interest computing unit 5 is used for when the default interest introductory period, Expiration Date user was still in arrears with loan, is expired from the default interest introductory period
Day rises, and the principal and interest amount of money being currently in arrears with according to interest rate and user outside the introductory period calculates daily default interest outside the introductory period.
In one embodiment, above-mentioned loan default interest computing system also includes default interest option dispensing unit 6, for creating silver
It is the corresponding default interest option of the bank loan products configuration during row loan product, the default interest option includes the default interest introductory period
And interest rate in the introductory period, introductory period outer interest rate.
In one embodiment, default interest clearing unit 4 is additionally operable to：Used when refund occurs on the day of Expiration Date default interest introductory period
When loan is not in arrears with family, summation is collected to the daily default interest in the default interest introductory period, daily default interest difference and obtains that default interest should be gone back.
In one embodiment, the first default interest computing unit 2 is specifically included：Default interest computing module and default interest flow indicator calculates mould
Block.Wherein default interest computing module was used for before Expiration Date default interest introductory period, calculated daily in the introductory period according to the following equation daily
Default interest：The principal and interest amount of money that interest rate × user is currently in arrears with daily default interest=introductory period in introductory period.Default interest flow indicator calculates module
For before Expiration Date default interest introductory period, calculating daily default interest difference according to the following equation daily：Daily default interest difference=(preferential
Interest rate in phase outer interest rate-introductory period) the principal and interest amount of money be currently in arrears with of × user.
In one embodiment, the second default interest computing unit 5 specifically for：From the default interest introductory period to day, daily under
Formula calculates daily default interest outside the default interest introductory period：The principal and interest that outer interest rate × user of daily default interest=introductory period is currently in arrears with outside introductory period
The amount of money.
In one embodiment, default interest computing unit 4 is additionally operable to：When surviving money so that user in the default interest introductory period outgoing
When not being in arrears with loan, summation, and and introductory period are collected to daily default interest outside Expiration Date to the introductory period of repayment date default interest introductory period
Interior daily default interest sum and daily default interest difference sum are summed, and obtain that default interest should be gone back.
The embodiment of the present invention is by way of setting introductory period and introductory period inside and outside two arbitrage rate, in the introductory period of setting
It is interior to calculate daily default interest according to interest rate in the introductory period, while the difference of interest rate adds up to penalize daily with interest rate outside the introductory period and in the introductory period
Difference is ceased, daily default interest is calculated according to interest rate outside the introductory period outside the introductory period, is involved in the default interest calculating process of multidimensional variable
Less variable is degraded to, complicated calculations are shared equally daily, is solved when interest rate switches by the way of cumulative default interest difference
Problem of reruning.
It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can be using the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can be used in one or more computers for wherein including computer usable program code
The computer program production that usable storage medium is implemented on (including but is not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product
Figure and/or block diagram are described.It should be understood that every one stream in flow chart and/or block diagram can be realized by computer program instructions
Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
The processor of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which is produced, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that in meter
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, thus in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
Apply specific embodiment in the present invention to be set forth the principle and embodiment of the present invention, above example
Explanation be only intended to help and understand the method for the present invention and its core concept；Simultaneously for those of ordinary skill in the art,
According to the thought of the present invention, it will change in specific embodiments and applications, in summary, in this specification
Appearance should not be construed as limiting the invention.
Claims (12)
1. one kind loan default interest computational methods, it is characterised in that the loan default interest computational methods include：
Obtain interest rate in the default interest option corresponding default interest introductory period bought during user's loan and introductory period, introductory period outer profit
Rate；
Before Expiration Date default interest introductory period, according to interest rate in the introductory period, interest rate and user are currently in arrears with outside the introductory period
The principal and interest amount of money calculates daily default interest and daily default interest difference in the introductory period；
Before Expiration Date default interest introductory period, judge whether to occur to refund so that user is not in arrears with loan；
If occurring to refund before Expiration Date default interest introductory period and make it that user is not in arrears with loan, by the daily default interest difference
Reset, while collecting summation to the daily default interest being in arrears with the date obtain that default interest should be gone back；
If Expiration Date user is still in arrears with loan in the default interest introductory period, from Expiration Date default interest introductory period, according to described excellent
The principal and interest amount of money that favour phase outer interest rate and user are currently in arrears with calculates daily default interest outside the introductory period.
2. loan default interest computational methods according to claim 1, it is characterised in that the loan default interest computational methods are also wrapped
Include：It is the corresponding default interest option of the bank loan products configuration, the default interest option includes when creating bank loan product
Interest rate, introductory period outer interest rate in default interest introductory period and introductory period.
3. loan default interest computational methods according to claim 1, it is characterised in that the loan default interest computational methods are also wrapped
Include：User is set not to be in arrears with loan if refund occurs on the day of Expiration Date default interest introductory period, to daily in the default interest introductory period
Default interest, daily default interest difference collect summation and obtain that default interest should be gone back.
4. loan default interest computational methods according to claim 1, it is characterised in that before Expiration Date default interest introductory period,
Daily default interest in introductory period is calculated according to interest rate, the principal and interest amount of money that interest rate and user are currently in arrears with outside the introductory period in the introductory period
And daily default interest difference, specifically include：
Before Expiration Date default interest introductory period, daily default interest in the introductory period is calculated according to the following equation daily：
The principal and interest amount of money that interest rate × user is currently in arrears with daily default interest=introductory period in introductory period；
Before Expiration Date default interest introductory period, daily default interest difference is calculated according to the following equation daily：
The principal and interest amount of money that daily default interest difference=(interest rate in introductory period outer interest rate-introductory period) × user is currently in arrears with.
5. loan default interest computational methods according to claim 1, it is characterised in that if used in Expiration Date default interest introductory period
Loan is still in arrears with family, then from Expiration Date default interest introductory period, according to the sheet that interest rate and user are currently in arrears with outside the introductory period
Cease the amount of money and calculate daily default interest outside the introductory period, specifically include：
From the default interest introductory period to day, daily default interest outside the default interest introductory period is calculated according to the following formula daily：
The principal and interest amount of money that outer interest rate × user of daily default interest=introductory period is currently in arrears with outside introductory period.
6. loan default interest computational methods according to claim 1, it is characterised in that the loan default interest computational methods are also wrapped
Include：
Such as money is survived so that user is not in arrears with loan, then to Expiration Date default interest introductory period to refund in the default interest introductory period outgoing
Daily default interest collects summation outside the introductory period of day, and is carried out with daily default interest sum in the introductory period and daily default interest difference sum
Summation, obtains that default interest should be gone back.
7. one kind loan default interest computing system, it is characterised in that the loan default interest computing system includes：
Default interest parameter acquiring unit, default interest option corresponding default interest introductory period for being bought and preferential during for obtaining user's loan
Interest rate, introductory period outer interest rate in phase；
First default interest computing unit, for before Expiration Date default interest introductory period, according to interest rate in the introductory period, outside the introductory period
The principal and interest amount of money that interest rate and user are currently in arrears with calculates daily default interest and daily default interest difference in the introductory period；
Judging unit, for judging whether to occur to refund before Expiration Date default interest introductory period so that user is not in arrears with loan；
Default interest clearing unit, occurring to refund before Expiration Date default interest introductory period causes user when not being in arrears with loan, for by institute
State daily default interest difference to reset, while collecting summation to the daily default interest being in arrears with the date obtain that default interest should be gone back；
Second default interest computing unit, for when the default interest introductory period, Expiration Date user was still in arrears with loan, from the default interest introductory period to
Phase day rises, and the principal and interest amount of money being currently in arrears with according to interest rate and user outside the introductory period calculates daily default interest outside the introductory period.
8. loan default interest computing system according to claim 7, it is characterised in that the loan default interest computing system is also wrapped
Include：Default interest option dispensing unit, for being the corresponding default interest of the bank loan products configuration when creating bank loan product
Option, the default interest option includes interest rate in default interest introductory period and introductory period, introductory period outer interest rate.
9. loan default interest computing system according to claim 7, it is characterised in that the default interest clearing unit is additionally operable to：
When on the day of Expiration Date default interest introductory period occur refund user is not in arrears with loan when, to the daily default interest in the default interest introductory period,
Daily default interest difference collects summation and obtains that default interest should be gone back.
10. loan default interest computing system according to claim 7, it is characterised in that the first default interest computing unit tool
Body includes：
Default interest computing module, for before Expiration Date default interest introductory period, calculating penalized daily in the introductory period according to the following equation daily
Breath：The principal and interest amount of money that interest rate × user is currently in arrears with daily default interest=introductory period in introductory period；
Default interest flow indicator calculates module, for before Expiration Date default interest introductory period, calculating daily default interest according to the following equation daily poor
Volume：The principal and interest amount of money that daily default interest difference=(interest rate in introductory period outer interest rate-introductory period) × user is currently in arrears with.
11. loan default interest computing system according to claim 7, it is characterised in that the second default interest computing unit tool
Body is used for：From the default interest introductory period to day, daily default interest outside the default interest introductory period is calculated according to the following formula daily：
The principal and interest amount of money that outer interest rate × user of daily default interest=introductory period is currently in arrears with outside introductory period.
12. loan default interest computing system according to claim 7, it is characterised in that the default interest computing unit is additionally operable to：
When surviving money so that user is not in arrears with loan in the default interest introductory period outgoing, to Expiration Date default interest introductory period to repayment date
Daily default interest collects summation outside introductory period, and is asked with daily default interest sum and daily default interest difference sum in the introductory period
With obtain that default interest should be gone back.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710173033.XA CN106960383A (en) | 2017-03-22 | 2017-03-22 | Default interest computational methods of providing a loan and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107798602A (en) * | 2017-12-13 | 2018-03-13 | 中国建设银行股份有限公司福建省分行 | A kind of management method and system of the common reserve fund discount loan |
| CN109033468A (en) * | 2018-08-31 | 2018-12-18 | 阿里巴巴集团控股有限公司 | The processing method and processing device of resource change |
| CN109544320A (en) * | 2018-10-18 | 2019-03-29 | 平安普惠企业管理有限公司 | Default interest and interest settlement method, device, medium and equipment in syndicated loan |
| CN109785109A (en) * | 2018-12-13 | 2019-05-21 | 平安普惠企业管理有限公司 | A kind of default interest determines method and relevant device |
| CN113159912A (en) * | 2021-04-29 | 2021-07-23 | 中国工商银行股份有限公司 | Method and device for outputting inverted rest and positive rest by using electronic equipment |
| CN113628031A (en) * | 2021-08-11 | 2021-11-09 | 神州数码融信软件有限公司 | Method for calculating penalty interest and rewarding according to installments |
| CN113642789A (en) * | 2021-08-11 | 2021-11-12 | 神州数码融信软件有限公司 | Loan repayment grace period parameterization configuration method |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107798602A (en) * | 2017-12-13 | 2018-03-13 | 中国建设银行股份有限公司福建省分行 | A kind of management method and system of the common reserve fund discount loan |
| CN107798602B (en) * | 2017-12-13 | 2021-03-05 | 中国建设银行股份有限公司福建省分行 | Management method and system for interest loan of public accumulation fund |
| CN109033468A (en) * | 2018-08-31 | 2018-12-18 | 阿里巴巴集团控股有限公司 | The processing method and processing device of resource change |
| CN109033468B (en) * | 2018-08-31 | 2022-09-16 | 创新先进技术有限公司 | Resource change processing method and device |
| CN109544320A (en) * | 2018-10-18 | 2019-03-29 | 平安普惠企业管理有限公司 | Default interest and interest settlement method, device, medium and equipment in syndicated loan |
| CN109785109A (en) * | 2018-12-13 | 2019-05-21 | 平安普惠企业管理有限公司 | A kind of default interest determines method and relevant device |
| CN113159912A (en) * | 2021-04-29 | 2021-07-23 | 中国工商银行股份有限公司 | Method and device for outputting inverted rest and positive rest by using electronic equipment |
| CN113628031A (en) * | 2021-08-11 | 2021-11-09 | 神州数码融信软件有限公司 | Method for calculating penalty interest and rewarding according to installments |
| CN113642789A (en) * | 2021-08-11 | 2021-11-12 | 神州数码融信软件有限公司 | Loan repayment grace period parameterization configuration method |
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