CN107798602A - A kind of management method and system of the common reserve fund discount loan - Google Patents
A kind of management method and system of the common reserve fund discount loan Download PDFInfo
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- CN107798602A CN107798602A CN201711330549.7A CN201711330549A CN107798602A CN 107798602 A CN107798602 A CN 107798602A CN 201711330549 A CN201711330549 A CN 201711330549A CN 107798602 A CN107798602 A CN 107798602A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The present invention provides a kind of management method of the common reserve fund discount loan, including：Loan product is configured in bank preposing server；Submit loan application data to be audited to center front server, discount loan authorization message is issued into bank preposing server；Bank preposing server is made loans according to discount loan authorization message；Bank preposing server generates loan data and refund Data Concurrent gives center front server；Center front server presses family calculation product and calculating monthly interest is poor, and generates center-side monthly interest subsidy inventory；Bank preposing server generates bank's end interest rate subsidy inventory and is uploaded to center front server；Center front server compares bank's end interest rate subsidy inventory and the final discount form of center-side monthly interest subsidy inventory generation, and carries out discount subsidy according to final discount form.Advantage of the present invention：The workload of common reserve fund center and bank cashier can greatly be mitigated, can also greatly reduce the calculating error rate of the discount amount of money.
Description
Technical field
The present invention relates to financial field, refers in particular to a kind of management method and system of the common reserve fund discount loan.
Background technology
At present, the Accumulation Fund Loan of individual client, typically filed an application by client at common reserve fund center, in common reserve fund
After the heart is by examination, further according to the fund state at common reserve fund center, make loans to client.In recent years, with public accumalation fund for housing construction pipe
The Huimin requirement of active response government of reason department, extend the policies such as Accumulation Fund Loan time limit, raising loan limit and put into effect successively, together
When common reserve fund branch taken amount also riseing month by month.So that the fund at public accumalation fund for housing construction center is more and more nervous, there are city's daily necessities
Situation about can just make loans some months is lined up, harmful effect is brought to common reserve fund center.
In order to alleviate financial pressure, some common reserve fund centers take authorized bank by commercial loan interest rate, first to client
Make loans, client first carrys out loan amount of money also monthly by the interest rate of commercial loans, then common reserve fund center further according to commercial loans and
The interest rate of Accumulation Fund Loan is poor, calculate be given to client interest it is poor, and loan customer is paid out by common reserve fund center
Bank card on；But using above-mentioned this mode, either to common reserve fund center or individual client, it is operating and made
Use all inconvenient.
The content of the invention
One of the technical problem to be solved in the present invention, it is to provide a kind of management method of the common reserve fund discount loan, passes through
This method uniformly carries out discount subsidy by common reserve fund center to realize to the bank to make loans, can greatly mitigate common reserve fund center with
And the workload of bank cashier, can also greatly reduce discount the amount of money calculating error rate.
The present invention is realized in one of technical problem：A kind of management method of the common reserve fund discount loan, methods described
The one bank preposing server that bank end is located at located at the center front server at common reserve fund center and at least one need to be provided；Bag
Include：
Step S1, loan product is configured on the bank preposing server；
Step S2, loan application data is submitted to carry out data verification and mandate to the center front server, and will patch
Breath loan authorization message is sent to the bank preposing server；
Step S3, described bank preposing server receives discount loan authorization message, and according to discount loan authorization message
Selection loan product carries out loan and made loans；
Step S4, described bank preposing server generates the data of making loans on the same day in the day of each day of making loans eventually, every
Generate day of one repayment date the refund data on the same day eventually, and by generation make loans data and refund data to be sent to center preposition
Server；
Step S5, described center front server carries out pressing family calculation product according to the data of reception, and whole in day at the end of month
Monthly interest difference is carried out afterwards to calculate, and generates center-side monthly interest subsidy inventory；
Step S6, described bank preposing server generates bank's end interest rate subsidy inventory in the beginning of each month, and will generation
Bank's end interest rate subsidy inventory be uploaded to the center front server；
Step S7, described center front server enters bank's end interest rate subsidy inventory and center-side monthly interest subsidy inventory
Row compares the final discount form of generation, and carries out discount subsidy according to final discount form.
Further, in the step S1, " the configuration loan product " includes：Configure the product generation of loan product
Code, configuring product property are commercial loans and configuration loan interest rate is Accumulation Fund Loan interest rate.
Further, the step S2 is specially：
By center front server described in loan application data typing, the loan by the center front server to typing
Application materials are audited, and after examination ＆ verification passes through, examination ＆ approval discount loan information and determination interest rate discount, and the discount loan is awarded
Power information is sent to the bank preposing server by the form of message+file；
The step S3 is specially：After the bank preposing server receives discount loan authorization message, patch is parsed
Breath loan authorization message content, and according to the content of the discount loan authorization message parsed carry out credit information typing and
Loan product corresponding to selection；Meanwhile the bank preposing server is by the credit information of typing and the loan product of selection
Automatic comparison is carried out with the discount loan authorization message of reception, and if comparison result is consistent, then carries out loan and makes loans；If than
It is inconsistent to result, then it can not carry out loan and make loans, and carry out difference prompting.
Further, the step S5 is specially：
After the center front server receives make loans data and refund data, become according to loan balance and remaining sum
The dynamic date is carried out pressing family calculation product, while a discount loan product table is created in the center front server, and will meter
The product calculated is saved in the discount loan product table；
In every month after end bottom day, the moon is calculated according to commercial loan interest rate, interest rate discount and Accumulation Fund Loan interest rate
Interest is poor, calculates interest amount according to loan balance, monthly interest difference and product, and the interest exception amount of money to calculating is set
Suspicious mark is put, and center-side monthly interest subsidy inventory is generated by family；
Meanwhile set loan to allow to be in arrears with issue on the center front server, and work as and detect being in arrears with for client
When the loan that issue is more than setting allows to be in arrears with issue, then termination flag of paying interest in the form of a deduction when selling a bill of exchange, etc. is set to the client.
Further, the step S7 is specially：The center front server receives bank's end interest rate subsidy inventory, and
Bank's end interest rate subsidy inventory and center-side monthly interest subsidy inventory are subjected to automatic comparison, and if comparison result is inconsistent,
Mark to be confirmed then is set to inconsistent data；If comparison result is consistent, it is not provided with indicating；
After the completion of automatic comparison, final discount form is generated according to comparison result, and pasted according to final discount form
Breath subsidy.
The second technical problem to be solved by the present invention, it is to provide a kind of management system of the common reserve fund discount loan, passes through
The system uniformly carries out discount subsidy by common reserve fund center to realize to the bank to make loans, can greatly mitigate common reserve fund center with
And the workload of bank cashier, can also greatly reduce discount the amount of money calculating error rate.
The present invention is realized in the twos' of technical problem：A kind of management system of the common reserve fund discount loan, the system
The one bank preposing server that bank end is located at located at the center front server at common reserve fund center and at least one need to be provided；Institute
Stating system includes configuration module, loan authorization module, module, data uploading module, center inventory generation module, the silver of making loans of providing a loan
Row inventory uploading module and discount subsidy module；
The configuration module, for configuring loan product on the bank preposing server；
The loan authorization module, for submitting loan application data to carry out data verification to the center front server
And mandate, and discount loan authorization message is sent to the bank preposing server；
The module of making loans of providing a loan, discount loan authorization message is received for the bank preposing server, and according to patch
Breath loan authorization message selection loan product carries out loan and made loans；
The data uploading module, the same day is generated eventually for day of the bank preposing server in each day of making loans
Make loans data, generate the refund data on the same day eventually in the day of each repayment date, and by make loans data and the refund data of generation
It is sent to center front server；
The center inventory generation module, press family according to the data of reception for the center front server and calculate
Product, and carry out monthly interest difference after end day at the end of month and calculate, and generate center-side monthly interest subsidy inventory；
Bank's inventory uploading module, bank's end interest is generated in the beginning of each month for the bank preposing server
Inventory is subsidized, and bank's end interest rate subsidy inventory of generation is uploaded to the center front server；
The discount subsidy module, for the center front server by bank's end interest rate subsidy inventory and the center first lunar month
The final discount form of generation is compared in interest rate subsidy inventory, and carries out discount subsidy according to final discount form.
Further, in the configuration module, " the configuration loan product " includes：Configure the product generation of loan product
Code, configuring product property are commercial loans and configuration loan interest rate is Accumulation Fund Loan interest rate.
Further, the loan authorization module is specially：
By center front server described in loan application data typing, the loan by the center front server to typing
Application materials are audited, and after examination ＆ verification passes through, examination ＆ approval discount loan information and determination interest rate discount, and the discount loan is awarded
Power information is sent to the bank preposing server by the form of message+file；
The loan module of making loans is specially：After the bank preposing server receives discount loan authorization message, solution
The content of discount loan authorization message is separated out, and credit information record is carried out according to the content of the discount loan authorization message parsed
Enter and loan product corresponding to selecting；Meanwhile the bank preposing server is by the credit information of typing and the loan of selection
Money product carries out automatic comparison with the discount loan authorization message received, and if comparison result is consistent, then carries out loan and make loans；
If comparison result is inconsistent, loan can not be carried out and made loans, and carry out difference prompting.
Further, the center inventory generation module is specially：
After the center front server receives make loans data and refund data, become according to loan balance and remaining sum
The dynamic date is carried out pressing family calculation product, while a discount loan product table is created in the center front server, and will meter
The product calculated is saved in the discount loan product table；
In every month after end bottom day, the moon is calculated according to commercial loan interest rate, interest rate discount and Accumulation Fund Loan interest rate
Interest is poor, calculates interest amount according to loan balance, monthly interest difference and product, and the interest exception amount of money to calculating is set
Suspicious mark is put, and center-side monthly interest subsidy inventory is generated by family；
Meanwhile set loan to allow to be in arrears with issue on the center front server, and work as and detect being in arrears with for client
When the loan that issue is more than setting allows to be in arrears with issue, then termination flag of paying interest in the form of a deduction when selling a bill of exchange, etc. is set to the client.
Further, the discount subsidy module is specially：The center front server receives bank's end interest rate subsidy
Inventory, and bank's end interest rate subsidy inventory and center-side monthly interest subsidy inventory are subjected to automatic comparison, and if comparison result
It is inconsistent, then mark to be confirmed is set to inconsistent data；If comparison result is consistent, it is not provided with indicating；
After the completion of automatic comparison, final discount form is generated according to comparison result, and pasted according to final discount form
Breath subsidy.
The invention has the advantages that：The present invention by common reserve fund center to the bank to make loans by monthly uniformly being pasted
Breath subsidy, it can greatly mitigate common reserve fund center and silver in the case where ensuring that not influenceing client carries out Accumulation Fund Loan
The workload of row teller, it can also greatly reduce the calculating error rate of the discount amount of money.
Brief description of the drawings
The present invention is further illustrated in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is the hardware block diagram for needing to provide in the present invention.
Fig. 2 is a kind of execution flow chart of the management method of the common reserve fund discount loan of the present invention.
Embodiment
Refer to shown in Fig. 1 to Fig. 2, a kind of management method of the common reserve fund discount loan of the present invention, methods described needs to provide
One is located at the bank preposing server at bank end located at the center front server at common reserve fund center and at least one；Methods described
Comprise the following steps：
Step S1, loan product is configured on the bank preposing server；
In the step S1, " the configuration loan product " includes：Configure product code, the configuring product of loan product
Property is commercial loans and configuration loan interest rate is Accumulation Fund Loan interest rate.Wherein, the product code of loan product is configured just
It is that one numbering is set to loan product, with easy-to-look-up corresponding loan product.
Step S2, loan application data is submitted to carry out data verification and mandate to the center front server, and will patch
Breath loan authorization message is sent to the bank preposing server；
The step S2 is specially：
In as described in loan application data (such as the material of the various needs such as Copy of ID Card, a copy of house-owner certificate) typing
Heart front server, the loan application data of typing is audited by the center front server, and after examination ＆ verification passes through,
Examine discount loan information (such as amount of the loan, the length of maturity, mode of repayment, product code relevant information) and determine interest rate folding
Button, and discount loan authorization message (is included into application materials certificate, the amount of the loan, loan phase by message+file in file
The various information such as limit, product code, Accumulation Fund Loan interest rate, interest rate discount) form be sent to the bank preposing server；
Certainly, if audited not if, then without examining and authorizing.
Step S3, described bank preposing server receives discount loan authorization message, and according to discount loan authorization message
Selection loan product carries out loan and made loans；
The step S3 is specially：After the bank preposing server receives discount loan authorization message, patch is parsed
Breath loan authorization message content, and according to the content of the discount loan authorization message parsed carry out credit information typing and
Loan product corresponding to selection；Meanwhile the bank preposing server is by the credit information of typing and the loan product of selection
Automatic comparison is carried out with the discount loan authorization message of reception, and if comparison result is consistent, then carries out loan and makes loans；If than
It is inconsistent to result, then it can not carry out loan and make loans, and carry out difference prompting.Why by the credit information of typing and selection
Loan product with receive discount loan authorization message carry out automatic comparison, the purpose is to：Because bank end is related in typing
During information, typing mistake may be present, by carrying out automatic comparison, the content that can effectively ensure typing is accurate nothing
By mistake.
Step S4, described bank preposing server each day of making loans day eventually generate the same day data of making loans (including
Make loans the various data such as the amount of money, date of making loans, the client that makes loans), generate the refund data on the same day eventually in the day of each repayment date
(including repayment amount, loan balance, date of refunding, the various data such as mode of repayment), and by make loans data and the refund of generation
Data are sent to center front server；Certainly, the bank preposing server can also back up make loans data and the refund of generation
Data, bank's end interest rate subsidy inventory can be generated in the beginning of each month to facilitate.
Step S5, described center front server carries out pressing family calculation product according to the data of reception, and whole in day at the end of month
Monthly interest difference is carried out afterwards to calculate, and generates center-side monthly interest subsidy inventory；
The step S5 is specially：
After the center front server receives make loans data and refund data, become according to loan balance and remaining sum
The dynamic date carries out pressing family calculation product, that is, the remaining sum for calculating client uses number of days, while in the center front server
A discount loan product table is created, and the product calculated is saved in the discount loan product table；
In every month after end bottom day, the moon is calculated according to commercial loan interest rate, interest rate discount and Accumulation Fund Loan interest rate
Interest is poor, calculates interest amount according to loan balance, monthly interest difference and product, and the interest exception amount of money to calculating is set
Suspicious mark is put, for example, loan account A is not refunded for two months, then when second month carries out interest amount calculating,
Because loan account A does not return loan on schedule, so loan account A loan balance is constant, therefore, second month calculates
Interest amount may be as the interest amount of last month or difference is seldom, then, now can is set to loan account A
Suspicious mark is put, to facilitate common reserve fund center personnel to decide whether to pay interest in the form of a deduction when selling a bill of exchange, etc. to this kind of account, and a center-side is generated by family
Monthly interest subsidizes inventory；
Meanwhile set loan to allow to be in arrears with issue on the center front server, and work as and detect being in arrears with for client
When the loan that issue is more than setting allows to be in arrears with issue, then termination flag of paying interest in the form of a deduction when selling a bill of exchange, etc. is set to the client.For example, loan can be set
It was 3 phases that money, which allows to be in arrears with issue, when counting on when being in arrears with issue and being more than for 3 phase of client, just to being paied interest in the form of a deduction when selling a bill of exchange, etc. eventually in this client's setting
Only indicate, to facilitate related personnel to judge whether to terminate the discount loan preferential policy to client.
Step S6, described bank preposing server generates bank's end interest rate subsidy inventory in the beginning of each month, and will generation
Bank's end interest rate subsidy inventory be uploaded to the center front server, to facilitate center front server to be compared；
Step S7, described center front server enters bank's end interest rate subsidy inventory and center-side monthly interest subsidy inventory
Row compares the final discount form of generation, and carries out discount subsidy according to final discount form；
The step S7 is specially：The center front server receives bank's end interest rate subsidy inventory, and by bank end
Interest rate subsidy inventory carries out automatic comparison with center-side monthly interest subsidy inventory, and if comparison result is inconsistent, then to differing
The data of cause set mark to be confirmed, to facilitate operating personnel to carry out artificial nucleus couple；If comparison result is consistent, it is not provided with marking
Will；
After the completion of automatic comparison, final discount form is generated according to comparison result, and pasted according to final discount form
Breath subsidy, i.e. common reserve fund center are given to bank end i.e. monthly only need to transferring the corresponding fund amount of money according to final discount form
Can.
Refer to shown in Fig. 1, a kind of management system of the common reserve fund discount loan of the present invention, the system need to provide one and be located at
The center front server at common reserve fund center and at least one be located at bank end bank preposing server；The system includes matching somebody with somebody
Put module, loan authorization module, module, data uploading module, center inventory generation module, the bank's inventory upload mould of making loans of providing a loan
Block and discount subsidy module；
The configuration module, for configuring loan product on the bank preposing server；
In the configuration module, " the configuration loan product " includes：Configure product code, the configuration production of loan product
Moral character matter is commercial loans and configuration loan interest rate is Accumulation Fund Loan interest rate.Wherein, the product code of loan product is configured
It is exactly that one numbering is set to loan product, with easy-to-look-up corresponding loan product.
The loan authorization module, for submitting loan application data to carry out data verification to the center front server
And mandate, and discount loan authorization message is sent to the bank preposing server；
It is described loan authorization module be specially：
In as described in loan application data (such as the material of the various needs such as Copy of ID Card, a copy of house-owner certificate) typing
Heart front server, the loan application data of typing is audited by the center front server, and after examination ＆ verification passes through,
Examine discount loan information (such as amount of the loan, the length of maturity, mode of repayment, product code relevant information) and determine interest rate folding
Button, and discount loan authorization message (is included into application materials certificate, the amount of the loan, loan phase by message+file in file
The various information such as limit, product code, Accumulation Fund Loan interest rate, interest rate discount) form be sent to the bank preposing server；
Certainly, if audited not if, then without examining and authorizing.
The module of making loans of providing a loan, discount loan authorization message is received for the bank preposing server, and according to patch
Breath loan authorization message selection loan product carries out loan and made loans；
The loan module of making loans is specially：After the bank preposing server receives discount loan authorization message, solution
The content of discount loan authorization message is separated out, and credit information record is carried out according to the content of the discount loan authorization message parsed
Enter and loan product corresponding to selecting；Meanwhile the bank preposing server is by the credit information of typing and the loan of selection
Money product carries out automatic comparison with the discount loan authorization message received, and if comparison result is consistent, then carries out loan and make loans；
If comparison result is inconsistent, loan can not be carried out and made loans, and carry out difference prompting.Why by the credit information of typing with
And the loan product of selection carries out automatic comparison with the discount loan authorization message received, the purpose is to：Because bank end is being recorded
When entering relevant information, typing mistake may be present, by carrying out automatic comparison, can effectively ensure the content of typing is
Accurately.
The data uploading module, the same day is generated eventually for day of the bank preposing server in each day of making loans
Data of making loans (including the various data such as the amount of money of making loans, date of making loans, the client that makes loans), in the day of each repayment date, generation is worked as eventually
The refund data (including repayment amount, loan balance, various data such as date, mode of repayment of refunding) of day, and putting generation
Amount of money evidence and refund data are sent to center front server；Certainly, the bank preposing server can also back up putting for generation
Amount of money evidence and refund data, bank's end interest rate subsidy inventory can be generated in the beginning of each month to facilitate.
The center inventory generation module, the center front server carry out pressing family calculation product according to the data of reception
Number, and carry out monthly interest difference after end day at the end of month and calculate, and generate center-side monthly interest subsidy inventory；
The center inventory generation module is specially：
After the center front server receives make loans data and refund data, become according to loan balance and remaining sum
The dynamic date carries out pressing family calculation product, that is, the remaining sum for calculating client uses number of days, while in the center front server
A discount loan product table is created, and the product calculated is saved in the discount loan product table；
In every month after end bottom day, the moon is calculated according to commercial loan interest rate, interest rate discount and Accumulation Fund Loan interest rate
Interest is poor, calculates interest amount according to loan balance, monthly interest difference and product, and the interest exception amount of money to calculating is set
Suspicious mark is put, for example, loan account A is not refunded for two months, then when second month carries out interest amount calculating,
Because loan account A does not return loan on schedule, so loan account A loan balance is constant, therefore, second month calculates
Interest amount may be as the interest amount of last month or difference is seldom, then, now can is set to loan account A
Suspicious mark is put, to facilitate common reserve fund center personnel to decide whether to pay interest in the form of a deduction when selling a bill of exchange, etc. to this kind of account, and a center-side is generated by family
Monthly interest subsidizes inventory；
Meanwhile set loan to allow to be in arrears with issue on the center front server, and work as and detect being in arrears with for client
When the loan that issue is more than setting allows to be in arrears with issue, then termination flag of paying interest in the form of a deduction when selling a bill of exchange, etc. is set to the client.For example, loan can be set
It was 3 phases that money, which allows to be in arrears with issue, when counting on when being in arrears with issue and being more than for 3 phase of client, just to being paied interest in the form of a deduction when selling a bill of exchange, etc. eventually in this client's setting
Only indicate, to facilitate related personnel to judge whether to terminate the discount loan preferential policy to client.
Bank's inventory uploading module, bank's end interest is generated in the beginning of each month for the bank preposing server
Inventory is subsidized, and bank's end interest rate subsidy inventory of generation is uploaded to the center front server, to facilitate center preposition
Server is compared；
The discount subsidy module, for the center front server by bank's end interest rate subsidy inventory and the center first lunar month
The final discount form of generation is compared in interest rate subsidy inventory, and carries out discount subsidy according to final discount form；
The discount subsidizes module：The center front server receives bank's end interest rate subsidy inventory, and will
Bank's end interest rate subsidy inventory carries out automatic comparison with center-side monthly interest subsidy inventory, and if comparison result is inconsistent, then
Mark to be confirmed is set to inconsistent data, to facilitate operating personnel to carry out artificial nucleus couple；If comparison result is consistent, no
Mark is set；
After the completion of automatic comparison, final discount form is generated according to comparison result, and pasted according to final discount form
Breath subsidy, i.e. common reserve fund center are given to bank end i.e. monthly only need to transferring the corresponding fund amount of money according to final discount form
Can.
In summary, the invention has the advantages that：The present invention by by common reserve fund center in the monthly bank to making loans
Discount subsidy is uniformly carried out, can greatly mitigate common reserve fund in the case where ensuring that not influenceing client carries out Accumulation Fund Loan
Center and the workload of bank cashier, it can also greatly reduce the calculating error rate of the discount amount of money.
Although the foregoing describing the embodiment of the present invention, those familiar with the art should manage
Solution, the specific embodiment described by us are merely exemplary, rather than for the restriction to the scope of the present invention, are familiar with this
The equivalent modification and change that the technical staff in field is made in the spirit according to the present invention, should all cover the present invention's
In scope of the claimed protection.
Claims (10)
- A kind of 1. management method of the common reserve fund discount loan, it is characterised in that：Methods described need to provide one and be located at common reserve fund center Center front server and at least one be located at bank end bank preposing server；Including：Step S1, loan product is configured on the bank preposing server；Step S2, submit loan application data to carry out data verification and mandate to the center front server, and discount is borrowed Money authorization message is sent to the bank preposing server；Step S3, described bank preposing server receives discount loan authorization message, and is selected according to discount loan authorization message Loan product carries out loan and made loans；Step S4, described bank preposing server generates the data of making loans on the same day in the day of each day of making loans eventually, is gone back each Generate day of money day the refund data on the same day eventually, and by generation make loans data and refund data are sent to the preposition service in center Device；Step S5, described center front server carries out pressing family calculation product according to the data of reception, and laggard eventually in day at the end of month Row monthly interest difference calculates, and generates center-side monthly interest subsidy inventory；Step S6, described bank preposing server generates bank's end interest rate subsidy inventory in the beginning of each month, and by the silver of generation Row end interest rate subsidy inventory is uploaded to the center front server；Step S7, described center front server is compared bank's end interest rate subsidy inventory and center-side monthly interest subsidy inventory Discount subsidy is carried out to generating final discount form, and according to final discount form.
- A kind of 2. management method of common reserve fund discount loan according to claim 1, it is characterised in that：In the step S1 In, " the configuration loan product " includes：Configure the product code of loan product, configuring product property is commercial loans and is matched somebody with somebody It is Accumulation Fund Loan interest rate to put loan interest rate.
- A kind of 3. management method of common reserve fund discount loan according to claim 1, it is characterised in that：The step S2 tools Body is：By center front server described in loan application data typing, the loan application by the center front server to typing Data is audited, and after examination ＆ verification passes through, examination ＆ approval discount loan information and determination interest rate discount, and discount loan mandate is believed Breath is sent to the bank preposing server by the form of message+file；The step S3 is specially：After the bank preposing server receives discount loan authorization message, parse discount and borrow The content of money authorization message, and credit information typing and selection are carried out according to the content of the discount loan authorization message parsed Corresponding loan product；Meanwhile the bank preposing server by the credit information of typing and the loan product of selection with connecing The discount loan authorization message of receipts carries out automatic comparison, and if comparison result is consistent, then carries out loan and make loans；If compare knot Fruit is inconsistent, then can not carry out loan and make loans, and carry out difference prompting.
- A kind of 4. management method of common reserve fund discount loan according to claim 3, it is characterised in that：The step S5 tools Body is：After the center front server receives make loans data and refund data, day is changed according to loan balance and remaining sum Phase is carried out pressing family calculation product, while a discount loan product table is created in the center front server, and will be calculated Product be saved in the discount loan product table；In every month after end bottom day, monthly interest is calculated according to commercial loan interest rate, interest rate discount and Accumulation Fund Loan interest rate Difference, interest amount is calculated according to loan balance, monthly interest difference and product, and the setting of the interest exception amount of money to calculating can Mark is doubted, and center-side monthly interest subsidy inventory is generated by family；Meanwhile set loan to allow to be in arrears with issue on the center front server, and work as and detect that client's is in arrears with issue When loan more than setting allows to be in arrears with issue, then termination flag of paying interest in the form of a deduction when selling a bill of exchange, etc. is set to the client.
- A kind of 5. management method of common reserve fund discount loan according to claim 1, it is characterised in that：The step S7 tools Body is：The center front server receives bank's end interest rate subsidy inventory, and by bank's end interest rate subsidy inventory and center-side Monthly interest subsidy inventory carries out automatic comparison, and if comparison result is inconsistent, then sets mark to be confirmed to inconsistent data Will；If comparison result is consistent, it is not provided with indicating；After the completion of automatic comparison, final discount form is generated according to comparison result, and discount benefit is carried out according to final discount form Patch.
- A kind of 6. management system of the common reserve fund discount loan, it is characterised in that：The system need to provide one and be located at common reserve fund center Center front server and at least one be located at bank end bank preposing server；The system includes configuration module, borrowed Money authorization module, module, data uploading module, center inventory generation module, bank's inventory uploading module and the patch of making loans of providing a loan Breath subsidy moduleThe configuration module, for configuring loan product on the bank preposing server；The loan authorization module, for submitting loan application data to carry out data verification to the center front server and awarding Power, and discount loan authorization message is sent to the bank preposing server；The module of making loans of providing a loan, discount loan authorization message is received for the bank preposing server, and borrowed according to discount Money authorization message selection loan product carries out loan and made loans；The data uploading module, making loans for the same day is generated eventually for day of the bank preposing server in each day of making loans Data, generate the refund data on the same day eventually in the day of each repayment date, and make loans data and the refund data of generation are sent Give center front server；The center inventory generation module, press family according to the data of reception for the center front server and calculate product Number, and carry out monthly interest difference after end day at the end of month and calculate, and generate center-side monthly interest subsidy inventory；Bank's inventory uploading module, bank's end interest rate subsidy is generated in the beginning of each month for the bank preposing server Inventory, and bank's end interest rate subsidy inventory of generation is uploaded to the center front server；The discount subsidy module, for the center front server by bank's end interest rate subsidy inventory and center-side monthly interest The final discount form of generation is compared in subsidy inventory, and carries out discount subsidy according to final discount form.
- A kind of 7. management system of common reserve fund discount loan according to claim 6, it is characterised in that：In the configuration mould In block, " the configuration loan product " includes：Configure the product code of loan product, configuring product property be commercial loans and Configuration loan interest rate is Accumulation Fund Loan interest rate.
- A kind of 8. management system of common reserve fund discount loan according to claim 6, it is characterised in that：The loan authorizes Module is specially：By center front server described in loan application data typing, the loan application by the center front server to typing Data is audited, and after examination ＆ verification passes through, examination ＆ approval discount loan information and determination interest rate discount, and discount loan mandate is believed Breath is sent to the bank preposing server by the form of message+file；The loan module of making loans is specially：After the bank preposing server receives discount loan authorization message, parse The content of discount loan authorization message, and according to the content of the discount loan authorization message parsed carry out credit information typing with And loan product corresponding to selection；Meanwhile the bank preposing server produces the credit information of typing and the loan of selection Product carry out automatic comparison with the discount loan authorization message received, and if comparison result is consistent, then carries out loan and make loans；If Comparison result is inconsistent, then can not carry out loan and make loans, and carry out difference prompting.
- A kind of 9. management system of common reserve fund discount loan according to claim 8, it is characterised in that：The center inventory Generation module is specially：After the center front server receives make loans data and refund data, day is changed according to loan balance and remaining sum Phase is carried out pressing family calculation product, while a discount loan product table is created in the center front server, and will be calculated Product be saved in the discount loan product table；In every month after end bottom day, monthly interest is calculated according to commercial loan interest rate, interest rate discount and Accumulation Fund Loan interest rate Difference, interest amount is calculated according to loan balance, monthly interest difference and product, and the setting of the interest exception amount of money to calculating can Mark is doubted, and center-side monthly interest subsidy inventory is generated by family；Meanwhile set loan to allow to be in arrears with issue on the center front server, and work as and detect that client's is in arrears with issue When loan more than setting allows to be in arrears with issue, then termination flag of paying interest in the form of a deduction when selling a bill of exchange, etc. is set to the client.
- A kind of 10. management system of common reserve fund discount loan according to claim 6, it is characterised in that：The discount is mended Pasting module is specially：The center front server receives bank's end interest rate subsidy inventory, and by bank's end interest rate subsidy inventory Automatic comparison is carried out with center-side monthly interest subsidy inventory, and if comparison result is inconsistent, then inconsistent data are set Mark to be confirmed；If comparison result is consistent, it is not provided with indicating；After the completion of automatic comparison, final discount form is generated according to comparison result, and discount benefit is carried out according to final discount form Patch.
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| CN107798602B (en) | 2021-03-05 |
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