CN107798602B - Management method and system for interest loan of public accumulation fund - Google Patents
Management method and system for interest loan of public accumulation fund Download PDFInfo
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- CN107798602B CN107798602B CN201711330549.7A CN201711330549A CN107798602B CN 107798602 B CN107798602 B CN 107798602B CN 201711330549 A CN201711330549 A CN 201711330549A CN 107798602 B CN107798602 B CN 107798602B
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Abstract
The invention provides a management method of interest loan of public accumulation fund, which comprises the following steps: configuring loan products at a front server of a bank; submitting loan application data to a central front-end server for auditing, and sending information on information loan authorization to a bank front-end server; the bank front-end server carries out payment according to the information of interest loan authorization; the bank front-end server generates loan data and repayment data and sends the loan data and the repayment data to the central front-end server; the central front server presses the users to calculate the number of the products and calculate the monthly interest difference, and generates a central monthly interest subsidy list; the bank front-end server generates a bank side interest subsidy list and uploads the list to the central front-end server; and the central front server compares the bank-side interest subsidy list with the central-side monthly interest subsidy list to generate a final subsidy report, and subsidies according to the final subsidy report. The invention has the advantages that: the workload of a public accumulation fund center and a bank teller can be greatly reduced, and the calculation error rate of the interest amount can also be greatly reduced.
Description
Technical Field
The invention relates to the field of finance, in particular to a management method and a system for interest loan of public deposit.
Background
At present, the public accumulation fund loan of individual customers is generally applied by the customers in a public accumulation fund center, and the public accumulation fund center pays money to the customers according to the fund condition of the public accumulation fund center after examination. In recent years, as housing public accumulation fund management departments actively respond to government requirements for benefit of citizens, policies such as prolonging the public accumulation fund loan term and improving the loan amount are continuously issued, and the amount of the public accumulation fund is also increased month by month. The capital of the housing accumulation fund center is more and more tense, the situation that citizens need to queue for several months to pay appears, and adverse effects are brought to the accumulation fund center.
In order to relieve the capital pressure, some public accumulation fund centers entrust banks to pay for the loan of the customers according to the interest rate of the commercial loan, the customers pay monthly loan amounts according to the interest rate of the commercial loan, then the public accumulation fund centers calculate interest difference to be subsidized to the customers according to the interest difference between the commercial loan and the public accumulation fund loan, and the public accumulation fund centers pay the bank cards of the loan customers; however, in this way, it is inconvenient for the operation and use of the system, whether it is for the accumulation fund center or the individual customer.
Disclosure of Invention
One of the technical problems to be solved by the present invention is to provide a method for managing interest loan of public deposit, which realizes the unified interest subsidy of the deposited banks by the public deposit center, greatly reduces the workload of the public deposit center and the bank teller, and greatly reduces the error rate of calculating the interest amount.
The invention realizes one of the technical problems as follows: a management method of public deposit interest loan, the method needs to provide a central front server arranged in a public deposit center and at least one bank front server arranged at a bank end; the method comprises the following steps:
step S1, loan products are configured on the bank front server;
step S2, submitting loan application data to the center front-end server for data verification and authorization, and sending information of interest loan authorization to the bank front-end server;
step S3, the bank front-end server receives the information of interest loan authorization and selects loan products to loan and free according to the information of interest loan authorization;
step S4, the bank front-end server generates the money releasing data of the current day at the end of each money releasing day, generates the repayment data of the current day at the end of each repayment day, and sends the generated money releasing data and the generated repayment data to the center front-end server;
step S5, the central front server presses the user to calculate the number of products according to the received data, and calculates the monthly interest difference after the end of the month end day, and generates a central monthly interest subsidy list;
step S6, the bank front-end server generates a bank-end interest subsidy list at the beginning of each month, and uploads the generated bank-end interest subsidy list to the central front-end server;
and step S7, the central front server compares the bank-side interest subsidy list with the central-side monthly interest subsidy list to generate a final interest subsidy report, and subsidies according to the final interest subsidy report.
Further, in the step S1, the configuring the loan product includes: configuring the product code of the loan product, configuring the property of the product as a commercial loan, and configuring the loan interest rate as a equity loan interest rate.
Further, the step S2 is specifically:
the loan application data is recorded into the center front-end server, the center front-end server verifies the recorded loan application data, and after the verification is passed, the loan information on interest and the discount of interest rate are approved and approved, and the loan authorization information on interest is sent to the bank front-end server in a message and file form;
the step S3 specifically includes: after receiving the interest loan authorization information, the bank front-end server analyzes the content of the interest loan authorization information, and performs loan information input and selects a corresponding loan product according to the content of the analyzed interest loan authorization information; meanwhile, the bank front-end server automatically compares the input loan information and the selected loan products with the received information loan authorization information, and if the comparison results are consistent, loan payment is carried out; and if the comparison result is inconsistent, the loan payment cannot be carried out, and difference prompt is carried out.
Further, the step S5 is specifically:
after receiving the loan data and the repayment data, the central front-end server presses a user to calculate the sum according to the loan balance and the balance change date, creates a interest loan sum table in the central front-end server, and stores the calculated sum into the interest loan sum table;
after the end of each month, calculating monthly interest difference according to the commercial loan interest rate, interest rate discount and the public deposit loan interest rate, calculating interest amount according to the loan balance, the monthly interest difference and the sum, setting a suspicious mark for the calculated abnormal interest amount, and generating a central monthly interest subsidy list according to the user;
meanwhile, the loan allowable delinquent number is set on the central preposed server, and when the fact that the delinquent number of the client is larger than the set loan allowable delinquent number is detected, a message termination mark is set on the client.
Further, the step S7 is specifically: the central preposed server receives the bank side interest subsidy list, automatically compares the bank side interest subsidy list with the central side month interest subsidy list, and sets a mark to be confirmed for inconsistent data if the comparison result is inconsistent; if the comparison result is consistent, the mark is not set;
and after the automatic comparison is completed, generating a final interest report according to the comparison result, and performing interest subsiding according to the final interest report.
The second technical problem to be solved by the invention is to provide a management system for interest loan of public deposit, which realizes the purpose of uniformly attaching and subsiding the paid bank by a public deposit center, greatly lightens the workload of the public deposit center and a bank teller, and also greatly reduces the error rate of calculating the interest amount.
The invention realizes the second technical problem in the following way: a management system for interest loan of public deposit is provided, which needs to provide a central front server arranged in a public deposit center and at least one bank front server arranged at a bank end; the system comprises a configuration module, a loan authorization module, a loan payment module, a data uploading module, a central list generation module, a bank list uploading module and a subsidence subsidy module;
the configuration module is used for configuring loan products on the bank front-end server;
the loan authorization module is used for submitting loan application data to the central front-end server for data verification and authorization and sending information on interest loan authorization to the bank front-end server;
the loan payment module is used for receiving the information-attached loan authorization information by the bank front-end server and selecting a loan product to loan for payment according to the information-attached loan authorization information;
the data uploading module is used for generating the money releasing data of the current day by the front server of the bank at the end of each money releasing day, generating the repayment data of the current day at the end of each repayment day, and sending the generated money releasing data and the generated repayment data to the front server of the center;
the central list generating module is used for the central front-end server to press a user to calculate the number of products according to the received data, calculate the monthly interest difference after the end of the month end day and generate a central end monthly interest subsidy list;
the bank list uploading module is used for generating a bank side interest subsidy list by the bank front-end server at the beginning of each month and uploading the generated bank side interest subsidy list to the central front-end server;
the interest subsidy module is used for comparing the bank end interest subsidy list with the central end monthly interest subsidy list by the central front server to generate a final interest subsidy report, and subsiding according to the final interest subsidy report.
Further, in the configuration module, the configuring the loan product includes: configuring the product code of the loan product, configuring the property of the product as a commercial loan, and configuring the loan interest rate as a equity loan interest rate.
Further, the loan authorization module specifically includes:
the loan application data is recorded into the center front-end server, the center front-end server verifies the recorded loan application data, and after the verification is passed, the loan information on interest and the discount of interest rate are approved and approved, and the loan authorization information on interest is sent to the bank front-end server in a message and file form;
the loan payment module specifically comprises: after receiving the interest loan authorization information, the bank front-end server analyzes the content of the interest loan authorization information, and performs loan information input and selects a corresponding loan product according to the content of the analyzed interest loan authorization information; meanwhile, the bank front-end server automatically compares the input loan information and the selected loan products with the received information loan authorization information, and if the comparison results are consistent, loan payment is carried out; and if the comparison result is inconsistent, the loan payment cannot be carried out, and difference prompt is carried out.
Further, the central list generation module specifically includes:
after receiving the loan data and the repayment data, the central front-end server presses a user to calculate the sum according to the loan balance and the balance change date, creates a interest loan sum table in the central front-end server, and stores the calculated sum into the interest loan sum table;
after the end of each month, calculating monthly interest difference according to the commercial loan interest rate, interest rate discount and the public deposit loan interest rate, calculating interest amount according to the loan balance, the monthly interest difference and the sum, setting a suspicious mark for the calculated abnormal interest amount, and generating a central monthly interest subsidy list according to the user;
meanwhile, the loan allowable delinquent number is set on the central preposed server, and when the fact that the delinquent number of the client is larger than the set loan allowable delinquent number is detected, a message termination mark is set on the client.
Further, the information pasting module specifically comprises: the central preposed server receives the bank side interest subsidy list, automatically compares the bank side interest subsidy list with the central side month interest subsidy list, and sets a mark to be confirmed for inconsistent data if the comparison result is inconsistent; if the comparison result is consistent, the mark is not set;
and after the automatic comparison is completed, generating a final interest report according to the comparison result, and performing interest subsiding according to the final interest report.
The invention has the following advantages: the invention can greatly reduce the workload of the public deposit center and the bank teller and also greatly reduce the error rate of calculating the interest amount by uniformly subsidizing and subsidizing the deposited banks by the public deposit center every month under the condition of ensuring that the clients are not influenced to loan the public deposit.
Drawings
The invention will be further described with reference to the following examples with reference to the accompanying drawings.
Fig. 1 is a schematic block diagram of hardware required to be provided in the present invention.
Fig. 2 is an execution flow chart of a method for managing interest loan of public interest according to the present invention.
Detailed Description
Referring to fig. 1 to 2, the method for managing interest loan of public deposit according to the present invention includes providing a central front server located in a public deposit center and at least one bank front server located at a bank end; the method comprises the following steps:
step S1, loan products are configured on the bank front server;
in the step S1, the configuring the loan product includes: configuring the product code of the loan product, configuring the property of the product as a commercial loan, and configuring the loan interest rate as a equity loan interest rate. Wherein, the product code for configuring the loan product is to set a number for the loan product so as to conveniently search the corresponding loan product.
Step S2, submitting loan application data to the center front-end server for data verification and authorization, and sending information of interest loan authorization to the bank front-end server;
the step S2 specifically includes:
inputting loan application data (such as identity card copy, house property card copy and other various required materials) into the central front server, auditing the input loan application data by the central front server, examining and approving relevant loan information (such as loan amount, loan term, repayment mode, product code and other relevant information) and determining interest rate discount after the audit is passed, and sending the loan approving authorization information to the bank front server in a message + file (the file contains various information such as application data certificate, loan amount, loan term, product code, public interest loan interest rate, interest rate discount and the like); of course, if the audit is not passed, then no approval or authorization is performed.
Step S3, the bank front-end server receives the information of interest loan authorization and selects loan products to loan and free according to the information of interest loan authorization;
the step S3 specifically includes: after receiving the interest loan authorization information, the bank front-end server analyzes the content of the interest loan authorization information, and performs loan information input and selects a corresponding loan product according to the content of the analyzed interest loan authorization information; meanwhile, the bank front-end server automatically compares the input loan information and the selected loan products with the received information loan authorization information, and if the comparison results are consistent, loan payment is carried out; and if the comparison result is inconsistent, the loan payment cannot be carried out, and difference prompt is carried out. Therefore, the input loan information and the selected loan products are automatically compared with the received information of interest loan authorization, and the purpose is as follows: because the bank end may have the condition of recording errors when recording related information, the recorded content can be effectively ensured to be accurate through automatic comparison.
Step S4, the front server of the bank generates the payment data (including various data such as payment amount, payment date, payment client and the like) of the same day at the end of each payment day, generates the repayment data (including various data such as payment amount, loan balance, payment date, payment mode and the like) of the same day at the end of each payment day, and sends the generated payment data and the generated payment data to the front server of the center; certainly, the bank front-end server can also back up the generated deposit data and repayment data, so that a bank-side interest subsidy list can be generated conveniently at the beginning of each month.
Step S5, the central front server presses the user to calculate the number of products according to the received data, and calculates the monthly interest difference after the end of the month end day, and generates a central monthly interest subsidy list;
the step S5 specifically includes:
after receiving the payment data and the repayment data, the central front-end server presses a user to calculate the number of credits according to the loan balance and the balance change date, namely the number of the use days of the balance of the client is calculated, meanwhile, a interest loan credit table is established in the central front-end server, and the calculated number of credits is stored in the interest loan credit table;
after the end of each month, calculating monthly interest difference according to the commercial loan interest rate, interest rate discount and the interest rate of the public deposit loan, calculating interest amount according to the loan balance, monthly interest difference and the amount, and setting a suspicious mark for the calculated abnormal interest amount, for example, if the loan account A has not been repayed for two months, when the interest amount is calculated for the second month, because the loan account A has not yet returned the loan according to the date, the balance loan of the loan account A is unchanged, therefore, the interest amount calculated for the second month may be the same as or slightly different from the interest amount of the previous month, then setting a suspicious mark for the loan account A to facilitate public deposit center personnel to decide whether to subside the accounts and generate a center monthly interest subsidy list according to the user;
meanwhile, the loan allowable delinquent number is set on the central preposed server, and when the fact that the delinquent number of the client is larger than the set loan allowable delinquent number is detected, a message termination mark is set on the client. For example, the loan allowable delinquent number can be set to 3, and when the delinquent number of the client is counted to be more than 3, a interest termination mark is set for the client, so that related personnel can conveniently judge whether to terminate the interest loan coupon policy for the client.
Step S6, the bank front-end server generates a bank-end interest subsidy list at the beginning of each month, and uploads the generated bank-end interest subsidy list to the central front-end server so as to facilitate comparison of the central front-end server;
step S7, the central front server compares the bank-side interest subsidy list with the central-side monthly interest subsidy list to generate a final interest subsidy report, and subsidies according to the final interest subsidy report;
the step S7 specifically includes: the central preposed server receives the bank-side interest subsidy list, automatically compares the bank-side interest subsidy list with the central-side monthly interest subsidy list, and sets a mark to be confirmed for inconsistent data if the comparison result is inconsistent, so that an operator can conveniently perform manual checking; if the comparison result is consistent, the mark is not set;
and after the automatic comparison is completed, generating a final interest report according to the comparison result, and subsiding the interest according to the final interest report, namely the public accumulation fund center only needs to allocate corresponding money amount to the bank end according to the final interest report every month.
Referring to fig. 1, the system for managing interest loan of public deposit according to the present invention needs to provide a central front server located in the public deposit center and at least one bank front server located at the bank end; the system comprises a configuration module, a loan authorization module, a loan payment module, a data uploading module, a central list generation module, a bank list uploading module and a subsidence subsidy module;
the configuration module is used for configuring loan products on the bank front-end server;
in the configuration module, the "configuring loan products" includes: configuring the product code of the loan product, configuring the property of the product as a commercial loan, and configuring the loan interest rate as a equity loan interest rate. Wherein, the product code for configuring the loan product is to set a number for the loan product so as to conveniently search the corresponding loan product.
The loan authorization module is used for submitting loan application data to the central front-end server for data verification and authorization and sending information on interest loan authorization to the bank front-end server;
the loan authorization module specifically comprises:
inputting loan application data (such as identity card copy, house property card copy and other various required materials) into the central front server, auditing the input loan application data by the central front server, examining and approving relevant loan information (such as loan amount, loan term, repayment mode, product code and other relevant information) and determining interest rate discount after the audit is passed, and sending the loan approving authorization information to the bank front server in a message + file (the file contains various information such as application data certificate, loan amount, loan term, product code, public interest loan interest rate, interest rate discount and the like); of course, if the audit is not passed, then no approval or authorization is performed.
The loan payment module is used for receiving the information-attached loan authorization information by the bank front-end server and selecting a loan product to loan for payment according to the information-attached loan authorization information;
the loan payment module specifically comprises: after receiving the interest loan authorization information, the bank front-end server analyzes the content of the interest loan authorization information, and performs loan information input and selects a corresponding loan product according to the content of the analyzed interest loan authorization information; meanwhile, the bank front-end server automatically compares the input loan information and the selected loan products with the received information loan authorization information, and if the comparison results are consistent, loan payment is carried out; and if the comparison result is inconsistent, the loan payment cannot be carried out, and difference prompt is carried out. Therefore, the input loan information and the selected loan products are automatically compared with the received information of interest loan authorization, and the purpose is as follows: because the bank end may have the condition of recording errors when recording related information, the recorded content can be effectively ensured to be accurate through automatic comparison.
The data uploading module is used for generating the paying data (including various data such as paying amount, paying date and paying clients) of the same day by the front-end bank server on each paying day, generating the repayment data (including various data such as repayment amount, loan balance, repayment date and repayment mode) of the same day by the front-end bank server on each paying day, and sending the generated paying data and the generated repayment data to the front-end central server; certainly, the bank front-end server can also back up the generated deposit data and repayment data, so that a bank-side interest subsidy list can be generated conveniently at the beginning of each month.
The central list generation module is used for pressing a user to calculate the number of products according to the received data by the central front server, calculating the monthly interest difference after the end of the month end day and generating a central monthly interest subsidy list;
the central list generation module specifically comprises:
after receiving the payment data and the repayment data, the central front-end server presses a user to calculate the number of credits according to the loan balance and the balance change date, namely the number of the use days of the balance of the client is calculated, meanwhile, a interest loan credit table is established in the central front-end server, and the calculated number of credits is stored in the interest loan credit table;
after the end of each month, calculating monthly interest difference according to the commercial loan interest rate, interest rate discount and the interest rate of the public deposit loan, calculating interest amount according to the loan balance, monthly interest difference and the amount, and setting a suspicious mark for the calculated abnormal interest amount, for example, if the loan account A has not been repayed for two months, when the interest amount is calculated for the second month, because the loan account A has not yet returned the loan according to the date, the balance loan of the loan account A is unchanged, therefore, the interest amount calculated for the second month may be the same as or slightly different from the interest amount of the previous month, then setting a suspicious mark for the loan account A to facilitate public deposit center personnel to decide whether to subside the accounts and generate a center monthly interest subsidy list according to the user;
meanwhile, the loan allowable delinquent number is set on the central preposed server, and when the fact that the delinquent number of the client is larger than the set loan allowable delinquent number is detected, a message termination mark is set on the client. For example, the loan allowable delinquent number can be set to 3, and when the delinquent number of the client is counted to be more than 3, a interest termination mark is set for the client, so that related personnel can conveniently judge whether to terminate the interest loan coupon policy for the client.
The bank list uploading module is used for generating a bank-side interest subsidy list by the bank front-end server at the beginning of each month and uploading the generated bank-side interest subsidy list to the central front-end server so as to facilitate comparison by the central front-end server;
the interest subsidy module is used for comparing the bank end interest subsidy list with the central end monthly interest subsidy list by the central front server to generate a final interest subsidy report, and subsiding according to the final interest subsidy report;
the information pasting and supplementing module specifically comprises: the central preposed server receives the bank-side interest subsidy list, automatically compares the bank-side interest subsidy list with the central-side monthly interest subsidy list, and sets a mark to be confirmed for inconsistent data if the comparison result is inconsistent, so that an operator can conveniently perform manual checking; if the comparison result is consistent, the mark is not set;
and after the automatic comparison is completed, generating a final interest report according to the comparison result, and subsiding the interest according to the final interest report, namely the public accumulation fund center only needs to allocate corresponding money amount to the bank end according to the final interest report every month.
In summary, the invention has the following advantages: the invention can greatly reduce the workload of the public deposit center and the bank teller and also greatly reduce the error rate of calculating the interest amount by uniformly subsidizing and subsidizing the deposited banks by the public deposit center every month under the condition of ensuring that the clients are not influenced to loan the public deposit.
Although specific embodiments of the invention have been described above, it will be understood by those skilled in the art that the specific embodiments described are illustrative only and are not limiting upon the scope of the invention, and that equivalent modifications and variations can be made by those skilled in the art without departing from the spirit of the invention, which is to be limited only by the appended claims.
Claims (6)
1. A method for managing interest loan of public accumulation fund is characterized in that: the method needs to provide a central front server arranged in a public accumulation fund center and at least one bank front server arranged at a bank end; the method comprises the following steps:
step S1, loan products are configured on the bank front server;
step S2, submitting loan application data to the center front-end server for data verification and authorization, and sending information of interest loan authorization to the bank front-end server;
step S3, the bank front-end server receives the information of interest loan authorization and selects loan products to loan and free according to the information of interest loan authorization;
step S4, the bank front-end server generates the money releasing data of the current day at the end of each money releasing day, generates the repayment data of the current day at the end of each repayment day, and sends the generated money releasing data and the generated repayment data to the center front-end server;
step S5, the central front server presses the user to calculate the number of products according to the received data, and calculates the monthly interest difference after the end of the month end day, and generates a central monthly interest subsidy list;
step S6, the bank front-end server generates a bank-end interest subsidy list at the beginning of each month, and uploads the generated bank-end interest subsidy list to the central front-end server;
step S7, the central front server compares the bank-side interest subsidy list with the central-side monthly interest subsidy list to generate a final interest subsidy report, and subsidies according to the final interest subsidy report;
the step S2 specifically includes:
the loan application data is recorded into the center front-end server, the center front-end server verifies the recorded loan application data, and after the verification is passed, the loan information on interest and the discount of interest rate are approved and approved, and the loan authorization information on interest is sent to the bank front-end server in a message and file form;
the step S3 specifically includes: after receiving the interest loan authorization information, the bank front-end server analyzes the content of the interest loan authorization information, and performs loan information input and selects a corresponding loan product according to the content of the analyzed interest loan authorization information; meanwhile, the bank front-end server automatically compares the input loan information and the selected loan products with the received information loan authorization information, and if the comparison results are consistent, loan payment is carried out; if the comparison result is inconsistent, loan payment cannot be carried out, and difference prompt is carried out;
the step S5 specifically includes:
after receiving the loan data and the repayment data, the central front-end server presses a user to calculate the sum according to the loan balance and the balance change date, creates a interest loan sum table in the central front-end server, and stores the calculated sum into the interest loan sum table;
after the end of each month, calculating monthly interest difference according to the commercial loan interest rate, interest rate discount and the public deposit loan interest rate, calculating interest amount according to the loan balance, the monthly interest difference and the sum, setting a suspicious mark for the calculated abnormal interest amount, and generating a central monthly interest subsidy list according to the user;
meanwhile, the loan allowable delinquent number is set on the central preposed server, and when the fact that the delinquent number of the client is larger than the set loan allowable delinquent number is detected, a message termination mark is set on the client.
2. The method of claim 1, wherein the method comprises: in the step S1, the configuring the loan product includes: configuring the product code of the loan product, configuring the property of the product as a commercial loan, and configuring the loan interest rate as a equity loan interest rate.
3. The method of claim 1, wherein the method comprises: the step S7 specifically includes: the central preposed server receives the bank side interest subsidy list, automatically compares the bank side interest subsidy list with the central side month interest subsidy list, and sets a mark to be confirmed for inconsistent data if the comparison result is inconsistent; if the comparison result is consistent, the mark is not set;
and after the automatic comparison is completed, generating a final interest report according to the comparison result, and performing interest subsiding according to the final interest report.
4. A management system for interest loan of public accumulation fund is characterized in that: the system needs to provide a central front server arranged in a public accumulation fund center and at least one bank front server arranged at a bank end; the system comprises a configuration module, a loan authorization module, a loan payment module, a data uploading module, a central list generation module, a bank list uploading module and a subsidence subsidy module
The configuration module is used for configuring loan products on the bank front-end server;
the loan authorization module is used for submitting loan application data to the central front-end server for data verification and authorization and sending information on interest loan authorization to the bank front-end server;
the loan payment module is used for receiving the information-attached loan authorization information by the bank front-end server and selecting a loan product to loan for payment according to the information-attached loan authorization information;
the data uploading module is used for generating the money releasing data of the current day by the front server of the bank at the end of each money releasing day, generating the repayment data of the current day at the end of each repayment day, and sending the generated money releasing data and the generated repayment data to the front server of the center;
the central list generating module is used for the central front-end server to press a user to calculate the number of products according to the received data, calculate the monthly interest difference after the end of the month end day and generate a central end monthly interest subsidy list;
the bank list uploading module is used for generating a bank side interest subsidy list by the bank front-end server at the beginning of each month and uploading the generated bank side interest subsidy list to the central front-end server;
the interest subsidy module is used for comparing the bank end interest subsidy list with the central end monthly interest subsidy list by the central front server to generate a final interest subsidy report, and subsiding according to the final interest subsidy report;
the loan authorization module specifically comprises:
the loan application data is recorded into the center front-end server, the center front-end server verifies the recorded loan application data, and after the verification is passed, the loan information on interest and the discount of interest rate are approved and approved, and the loan authorization information on interest is sent to the bank front-end server in a message and file form;
the loan payment module specifically comprises: after receiving the interest loan authorization information, the bank front-end server analyzes the content of the interest loan authorization information, and performs loan information input and selects a corresponding loan product according to the content of the analyzed interest loan authorization information; meanwhile, the bank front-end server automatically compares the input loan information and the selected loan products with the received information loan authorization information, and if the comparison results are consistent, loan payment is carried out; if the comparison result is inconsistent, loan payment cannot be carried out, and difference prompt is carried out;
the central list generation module specifically comprises:
after receiving the loan data and the repayment data, the central front-end server presses a user to calculate the sum according to the loan balance and the balance change date, creates a interest loan sum table in the central front-end server, and stores the calculated sum into the interest loan sum table;
after the end of each month, calculating monthly interest difference according to the commercial loan interest rate, interest rate discount and the public deposit loan interest rate, calculating interest amount according to the loan balance, the monthly interest difference and the sum, setting a suspicious mark for the calculated abnormal interest amount, and generating a central monthly interest subsidy list according to the user;
meanwhile, the loan allowable delinquent number is set on the central preposed server, and when the fact that the delinquent number of the client is larger than the set loan allowable delinquent number is detected, a message termination mark is set on the client.
5. The system for managing interest loan of public interest according to claim 4, wherein: in the configuration module, the "configuring loan products" includes: configuring the product code of the loan product, configuring the property of the product as a commercial loan, and configuring the loan interest rate as a equity loan interest rate.
6. The system for managing interest loan of public interest according to claim 4, wherein: the information pasting and supplementing module specifically comprises: the central preposed server receives the bank side interest subsidy list, automatically compares the bank side interest subsidy list with the central side month interest subsidy list, and sets a mark to be confirmed for inconsistent data if the comparison result is inconsistent; if the comparison result is consistent, the mark is not set;
and after the automatic comparison is completed, generating a final interest report according to the comparison result, and performing interest subsiding according to the final interest report.
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| CN109559219A (en) * | 2018-11-09 | 2019-04-02 | 平安科技（深圳）有限公司 | A kind of loan fund monitoring method and device |
| CN111310101A (en) * | 2020-02-12 | 2020-06-19 | 中国建设银行股份有限公司 | Method, device, equipment and storage medium for issuing information |
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