CN109359819A - Network loaning bill risk disclosure method, apparatus, computer equipment and storage medium - Google Patents
Network loaning bill risk disclosure method, apparatus, computer equipment and storage medium Download PDFInfo
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- CN109359819A CN109359819A CN201811105749.7A CN201811105749A CN109359819A CN 109359819 A CN109359819 A CN 109359819A CN 201811105749 A CN201811105749 A CN 201811105749A CN 109359819 A CN109359819 A CN 109359819A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The embodiment of the invention discloses a kind of network loaning bill risk disclosure method, apparatus, computer equipment and storage mediums.The described method includes: if receive user terminal transmission lends request, to the multiple loaning bill products of user terminal push；The loaning bill product that acquisition user terminal is chosen is as target loaning bill product；The net value and accumulative net value of the target loaning bill product are obtained, and the net value of the target loaning bill product and accumulative net value are pushed to the user terminal.The technical solution of the embodiment of the present invention, valuation accounting is carried out by the loaning bill product thrown user, abstract assets value and hiding risk are showed with the net value data (net value and accumulative net value) quantified, to clear and intuitively user can understand the risk status of itself gone into operation product, to accurately make the judgement held/sold off, the loaning bill experience of user is improved.
Description
Technical field
The present invention relates to internet financial technology field more particularly to a kind of network loaning bill risk disclosure method, apparatus, meter
Calculate machine equipment and storage medium.
Background technique
The intelligent bid tool application that current net borrows platform is more universal, and product support lender lends fund to more
A borrower, i.e. net borrow platform client as lender, and fund of lending carries out investor's demand, and the intelligence that net borrows platform is submitted a tender
Tool provides technical support for client, by its fund by requirements such as time limit, interest rates, distributes into multiple loaning bill projects, and
After certain time limit, Man's Demands should be lent, assist the assignment of credit held to other platform clients.If on platform
Loaning bill project, which expires, to fail to refund on schedule, and the third party guarantees mechanism or Zhu Dai mechanism that platform introduces will be compensatory overdue for borrower
Fund, to support lender can take expection to lend income.
The intelligent bid tool that current net borrows product supports lender to lend fund to multiple borrowers, but is lending
After fund, what lender can't see numerous credits that it is held actually cashes situation, by net bottom assets occur overdue
It borrows platform or guarantee agency is compensatory, loaning bill risk is collected at net and borrows platform or guarantee not directly to investor's exposure
In mechanism.
When bottom assets occur more overdue, lender is very likely lost, but is netted and borrowed platform or guarantee agency
It is revealed all the details in centre so that lender feels that investing production is still normally refunding, lender can not perceive potential risks.When exceeding
When phase asset size is more than guarantee agency's guarantee ability, risk breaks out centrality, and net, which is borrowed on platform, to be occurred lending on a large scale
People invests the case where loss, causes so-called platform " thunderclaps ", and lender will be difficult to withdraw loaning bill, while also can borrow platform to net
It brings about great losses, is unfavorable for the benign development of industry.
Summary of the invention
The embodiment of the invention provides a kind of network loaning bill risk disclosure method, apparatus, computer equipment and storage medium,
Aim to solve the problem that the problem of prior art can not disclose its loaning bill risk to user in time.
In a first aspect, the embodiment of the invention provides a kind of network loaning bill risk disclosure methods comprising:
If receive user terminal transmission lends request, request is lent to the multiple loaning bills of user terminal push according to described
Product；
The loaning bill product that acquisition user terminal is chosen is as target loaning bill product；
The net value of the target loaning bill product is obtained according to assets information corresponding to the target loaning bill product and is tired out
Net value is counted, and the net value of the target loaning bill product and accumulative net value are pushed to the user terminal.
Second aspect, the embodiment of the invention also provides a kind of network loaning bill risk disclosure devices comprising:
Push unit is requested according to described lend to the user if lending request for receive user terminal transmission
End pushes multiple loaning bill products；
First acquisition unit, for obtaining loaning bill product that user terminal is chosen as target loaning bill product；
Second acquisition unit obtains the target for the assets information according to corresponding to the target loaning bill product and borrows money
The net value of product and accumulative net value, and the net value of the target loaning bill product and accumulative net value are pushed to the user
End.
The third aspect, the embodiment of the invention also provides a kind of computer equipments comprising memory and processor, it is described
Computer program is stored on memory, the processor realizes the above method when executing the computer program.
Fourth aspect, the embodiment of the invention also provides a kind of computer readable storage medium, the storage medium storage
There is computer program, the computer program can realize the above method when being executed by a processor.
The technical solution of the embodiment of the present invention carries out valuation accounting by the loaning bill product thrown user, by what is be abstracted
Assets value and hiding risk are showed with the net value data (net value and accumulative net value) quantified, so that user can be with
The risk status for understanding itself gone into operation product clear and intuitively improves user's to accurately make the judgement held/sold off
It borrows money and experiences.On the other hand, net borrows platform and no longer reveals all the details, and returns the role of information intermediary, business risk substantially reduces, and promotes
The benign development of internet financial industry.
Detailed description of the invention
Technical solution in order to illustrate the embodiments of the present invention more clearly, below will be to needed in embodiment description
Attached drawing is briefly described, it should be apparent that, drawings in the following description are some embodiments of the invention, general for this field
For logical technical staff, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of application scenarios schematic diagram of network loaning bill risk disclosure method provided in an embodiment of the present invention；
Fig. 2 is a kind of flow diagram of network loaning bill risk disclosure method provided in an embodiment of the present invention；
Fig. 3 is a kind of sub-process schematic diagram of network loaning bill risk disclosure method provided in an embodiment of the present invention；
Fig. 4 be another embodiment of the present invention provides a kind of network loaning bill risk disclosure method flow diagram；
Fig. 5 is a kind of schematic block diagram of network loaning bill risk disclosure device provided in an embodiment of the present invention；
Fig. 6 is a kind of the schematic of second acquisition unit of network loaning bill risk disclosure device provided in an embodiment of the present invention
Block diagram；
Fig. 7 is a kind of schematic frame of the push unit of network loaning bill risk disclosure device provided in an embodiment of the present invention
Figure；
Fig. 8 be another embodiment of the present invention provides a kind of network loaning bill risk disclosure device schematic block diagram；And
Fig. 9 is the schematic block diagram of computer equipment provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
It should be appreciated that ought use in this specification and in the appended claims, term " includes " and "comprising" instruction
Described feature, entirety, step, operation, the presence of element and/or component, but one or more of the other feature, whole is not precluded
Body, step, operation, the presence or addition of element, component and/or its set.
It is also understood that mesh of the term used in this description of the invention merely for the sake of description specific embodiment
And be not intended to limit the present invention.As description of the invention and it is used in the attached claims, unless on
Other situations are hereafter clearly indicated, otherwise " one " of singular, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in description of the invention and the appended claims is
Refer to any combination and all possible combinations of one or more of associated item listed, and including these combinations.
As used in this specification and in the appended claims, term " if " can be according to context quilt
Be construed to " when ... " or " once " or " in response to determination " or " in response to detecting ".Similarly, phrase " if it is determined that " or
" if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true
It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".
Fig. 1 and Fig. 2 are please referred to, Fig. 1 is a kind of application of network loaning bill risk disclosure method provided in an embodiment of the present invention
Schematic diagram of a scenario.Fig. 2 is a kind of schematic flow chart of network loaning bill risk disclosure method provided in an embodiment of the present invention.
The network loaning bill risk disclosure method is applied in loaning bill server 1.Loaning bill server 1 obtains user terminal 2 and is thrown
Target loaning bill product net value and accumulative net value, and user terminal 2 is pushed to, so that user can know oneself in time
The risk status for the loaning bill product thrown.
Fig. 2 is a kind of flow diagram of network loaning bill risk disclosure method provided in an embodiment of the present invention.As shown,
This approach includes the following steps S1-S3.
If S1, receive user terminal transmission lend request, according to it is described lend request to the user terminal push it is multiple
Loaning bill product.
In specific implementation, when lending request of user terminal transmission is being received, is requesting to push away to user terminal according to described lend
Multiple loaning bill products are sent to select for user.
In one embodiment, lending request includes prospective earnings and the expected life of loan, it is contemplated that income and expection are borrowed
The money time limit is set by the user.At this point, obtaining multiple loaning bills according to the prospective earnings lent in request and the expected life of loan
Product is pushed to the user terminal.
For example, expected yield set by user is 8-10%, the time limit is 0.5-2, then choosing expected yield is 8-
10%, the time limit is that the loaning bill product of 0.5-2 is pushed to user terminal for selection by the user.
The loaning bill product that S2, acquisition user terminal are chosen is as target loaning bill product.
In specific implementation, the loaning bill confirmation message that user terminal returns is received, the loaning bill confirmation message is parsed and determines user
The loaning bill product chosen is as target loaning bill product.
S3, the assets information according to corresponding to the target loaning bill product obtain the target loaning bill product net value and
Accumulative net value, and the net value of the target loaning bill product and accumulative net value are pushed to the user terminal.
In specific implementation, the net value of target loaning bill product is obtained according to assets information corresponding to the target loaning bill product
And accumulative net value, and the net value of target loaning bill product and accumulative net value are pushed to user terminal.It is borrowed money product by target
Net value and accumulative net value be able to reflect the risk of target loaning bill product, so that user can understand oneself institute clear and intuitively
The risk of loaning bill product is held, the judgement held/sold off accurately is made, it can't be opaque and panic because of information again.
In one embodiment, as shown in figure 3, above step S3 includes the following steps S321-S323.
S321 judges whether the target loaning bill product is overdue
In specific implementation, judge whether target loaning bill product is overdue.In the embodiment of the present invention, the net value of target loaning bill product
And whether the calculation of accumulative net value is overdue related with it.
S322, if the target loaning bill product is not overdue, according to formulaCalculate the mesh
Mark the net value A of loaning bill product and according to formulaCalculate the accumulative net value E of the target loaning bill product.
In specific implementation, if target loaning bill product is not overdue, according to formulaIt calculates
The net value A of the target loaning bill product and according to formulaCalculate the accumulative net of the target loaning bill product
Value E.
Wherein, the meaning of each letter is as follows in above formula: i is the serial number for the assets that the target loaning bill product includes, n
For the quantity for the assets that the target loaning bill product includes, B is the current end of term cost of assets, and C is counted daily for assets and proposed income,
D is to actually receive interest on the assets same day.
It should be noted that in embodiments of the present invention, the daily meter of assets proposes income and is equal to initial cost and practical benefit
The product of rate.The initial cost of assets was equal to the end of term cost of a upper phase for assets；The first-phase initial cost of assets, which is equal to, buys
Enter cost.The end of term cost of assets subtracts current practical receipts equal to the product that initial cost adds initial cost and true rate of interest again
The interest arrived.
S323, if the target loaning bill product is overdue, according to formulaDescribed in calculating
The net value A of target loaning bill product and according to formulaCalculate the accumulative of the target loaning bill product
Net value E.
In specific implementation, if target loaning bill product is overdue, according to formulaMeter
Calculate the net value A of the target loaning bill product and according to formulaCalculate the target
==
The accumulative net value E of loaning bill product.
Wherein, the meaning of each letter is as follows in above formula: i is the serial number for the assets that the target loaning bill product includes, n
For the quantity for the assets that the target loaning bill product includes, F is the end of term cost of a phase in assets, and C is counted daily for assets and proposed receipts
Benefit, D are to actually receive interest the assets same day, and G is the expected loss rate of assets.
It should be noted that in embodiments of the present invention, it is contemplated that loss late is equal to the product of overdue rate and loss given default,
Loss given default is equal to 1 and subtracts the rate of recovery.
The technical solution of the embodiment of the present invention carries out valuation accounting by the loaning bill product thrown user, by what is be abstracted
Assets value and hiding risk are showed with the net value data (net value and accumulative net value) quantified, so that user can be with
The risk status of itself gone into operation product is understood clear and intuitively, to make the judgement held/sold off, improves the loaning bill of user
Experience.On the other hand, net borrows platform and no longer reveals all the details, and returns the role of information intermediary, and business risk substantially reduces, and has promoted interconnection
The benign development of net financial industry.
Fig. 4 be another embodiment of the present invention provides a kind of loaning bill risk disclosure flow diagram.As shown in figure 4, this
A kind of network loaning bill risk disclosure method of embodiment includes step S41-S44.
If S41, receive user terminal transmission lend request, according to it is described lend request to the user terminal push it is multiple
Loaning bill product.
In specific implementation, when lending request of user terminal transmission is being received, is requesting to push away to user terminal according to described lend
Multiple loaning bill products are sent to select for user.
In one embodiment, lending request includes prospective earnings and the expected life of loan, it is contemplated that income and expection are borrowed
The money time limit is set by the user.At this point, obtaining multiple loaning bills according to the prospective earnings lent in request and the expected life of loan
Product is pushed to the user terminal.
For example, expected yield set by user is 8-10%, the time limit is 0.5-2, then choosing expected yield is 8-
10%, the time limit is that the loaning bill product of 0.5-2 is pushed to user terminal for selection by the user.
The loaning bill product that S42, acquisition user terminal are chosen is as target loaning bill product.
In specific implementation, the loaning bill confirmation message that user terminal returns is received, the loaning bill confirmation message is parsed and determines user
The loaning bill product chosen is as target loaning bill product.
S43, judges whether current time reaches preset timing node.
In specific implementation, in order to allow user to understand the risk situation of target loaning bill product much sooner, regular (example is needed
Such as, daily the net value and accumulative net value of the target loaning bill product) are calculated.Therefore, when whether judgement currently reaches preset
Intermediate node needs the net value and accumulative net value that calculate target loaning bill product if reaching；Otherwise, return step S31 continues to judge
Currently whether reach preset timing node.
It should be noted that timing node can be set according to the actual situation by those skilled in the art, for example, one
In embodiment, timing node is set as daily zero point (00:00:00).
If S44, current time reach preset timing node, according to assets information corresponding to the target loaning bill product
Obtain the net value and accumulative net value of the target loaning bill product, and by the net value and accumulative net value of the target loaning bill product
It is pushed to the user terminal.
In specific implementation, if current time reaches preset timing node, according to corresponding to the target loaning bill product
Assets information obtain the net value and accumulative net value of target loaning bill product, and by the net value of target loaning bill product and accumulative net
Value is pushed to user terminal.The risk of target loaning bill product is able to reflect by the net value and accumulative net value of target loaning bill product,
To which user can understand the risk of oneself held loaning bill product clear and intuitively, the judgement held/sold off accurately is made, not
It can be again because information is opaque and panic.
Fig. 5 is a kind of schematic block diagram of network loaning bill risk disclosure device 50 provided in an embodiment of the present invention.Such as Fig. 5 institute
Show, corresponds to the above network loaning bill risk disclosure method, the present invention also provides a kind of network loaning bill risk disclosure devices 50.The net
Network loaning bill risk disclosure device 50 includes the unit for executing above-mentioned network loaning bill risk disclosure method, which can be matched
It is placed in loaning bill server.Specifically, referring to Fig. 5, the network loaning bill risk disclosure device 50 includes push unit 51, first
Acquiring unit 52 and second acquisition unit 53.
Push unit 51, if request is lent for receive user terminal transmission, to the multiple loaning bills of user terminal push
Product；
First acquisition unit 52, for obtaining loaning bill product that user terminal is chosen as target loaning bill product, and will be described
User terminal lends capital investment into the target loaning bill product；
Second acquisition unit 53, for obtaining the net value and accumulative net value of the target loaning bill product, and by the mesh
The net value and accumulative net value for marking loaning bill product are pushed to the user terminal.
In one embodiment, as shown in fig. 6, the second acquisition unit 53 is calculated including second judgment unit 531, second
Unit 532 and third computing unit 533.
Second judgment unit 531, for judging whether the target loaning bill product is overdue；
Second computing unit 532, if not overdue for the target loaning bill product, according to formula
Calculate the net value A of the target loaning bill product and according to formulaCalculate the tired of the target loaning bill product
Count net value E；
Third computing unit 533, if overdue for the target loaning bill product, according to formula
Calculate the net value A of the target loaning bill product and according to formulaThe target loaning bill is calculated to produce
The accumulative net value E of product；
Wherein, i is the serial number for the assets that the target loaning bill product includes, and n is the money that the target loaning bill product includes
The quantity of production, B are the current end of term cost of assets, and C is counted daily for assets and proposed income, and D is to actually receive interest, F on the assets same day
For the end of term cost of a phase in assets, G is the expected loss rate of assets.
In one embodiment, described to lend request including expected yield and be expected the life of loan, as shown in fig. 7, institute
Stating push unit 51 includes third acquiring unit 511.
Third acquiring unit 511, for obtaining multiple borrow according to the expected yield and the expected life of loan
Money product is pushed to the user terminal.
Fig. 8 be another embodiment of the present invention provides a kind of network loaning bill risk disclosure device schematic block diagram.Such as Fig. 8
Shown, the network loaning bill risk disclosure device of the present embodiment is to increase the first judging unit on the basis of above-described embodiment.
First judging unit 54, for judging whether current time reaches preset timing node.
If the second acquisition unit 53 reaches preset timing node for current time, execute described according to the mesh
The step of assets information corresponding to mark loaning bill product obtains the net value and accumulative net value of the target loaning bill product.
It should be noted that it is apparent to those skilled in the art that, above-mentioned network loaning bill risk disclosure
The specific implementation process of device 50 and each unit, can be with reference to the corresponding description in preceding method embodiment, for the side of description
Just and succinctly, details are not described herein.
Above-mentioned apparatus can be implemented as a kind of form of computer program, which can be as shown in Figure 8
It is run in computer equipment.
Referring to Fig. 9, Fig. 9 is a kind of schematic block diagram of computer equipment provided by the embodiments of the present application.The computer
Equipment 500 can be server.Server can be independent server, be also possible to the server set of multiple server compositions
Group.
Refering to Fig. 9, which includes processor 502, memory and the net connected by system bus 501
Network interface 505, wherein memory may include non-volatile memory medium 503 and built-in storage 504.
The non-volatile memory medium 503 can storage program area 5031 and computer program 5032.The computer program
5032 are performed, and processor 502 may make to execute a kind of network loaning bill risk disclosure method.
The processor 502 is for providing calculating and control ability, to support the operation of entire computer equipment 500.
The built-in storage 504 provides environment for the operation of the computer program 5032 in non-volatile memory medium 503, should
When computer program 5032 is executed by processor 502, processor 502 may make to execute a kind of network loaning bill risk disclosure method.
The network interface 505 is used to carry out network communication with other equipment.It will be understood by those skilled in the art that in Fig. 9
The structure shown, only the block diagram of part-structure relevant to application scheme, does not constitute and is applied to application scheme
The restriction of computer equipment 500 thereon, specific computer equipment 500 may include more more or fewer than as shown in the figure
Component perhaps combines certain components or with different component layouts.
Wherein, the processor 502 is for running computer program 5032 stored in memory, to realize following step
It is rapid:
If receive user terminal transmission lends request, request is lent to the multiple loaning bills of user terminal push according to described
Product；
The loaning bill product that acquisition user terminal is chosen is as target loaning bill product；
The net value of the target loaning bill product is obtained according to assets information corresponding to the target loaning bill product and is tired out
Net value is counted, and the net value of the target loaning bill product and accumulative net value are pushed to the user terminal.
In one embodiment, processor 502 is realizing the assets information according to corresponding to the target loaning bill product
It obtains the net value of the target loaning bill product and when accumulative net value step, is implemented as follows step:
Judge whether the target loaning bill product is overdue；
If the target loaning bill product is not overdue, according to formulaThe target is calculated to borrow money
The net value A of product and according to formulaCalculate the accumulative net value E of the target loaning bill product；
If the target loaning bill product is overdue, according to formulaCalculate the target
The net value A of loaning bill product and according to formulaCalculate the accumulative net value E of the target loaning bill product；
Wherein, i is the serial number for the assets that the target loaning bill product includes, and n is the money that the target loaning bill product includes
The quantity of production, B are the current end of term cost of assets, and C is counted daily for assets and proposed income, and D is to actually receive interest, F on the assets same day
For the end of term cost of a phase in assets, G is the expected loss rate of assets.
In one embodiment, described to lend request including expected yield and be expected the life of loan, processor 502 is in reality
It is existing described when lending request according to and pushing multiple loaning bill product steps to the user terminal, it is implemented as follows step:
Multiple loaning bill products, which are obtained, according to the expected yield and the expected life of loan is pushed to the user
End.
In one embodiment, the processor 502 is also real for running computer program 5032 stored in memory
Existing following steps:
Judge whether current time reaches preset timing node；
If current time reaches preset timing node, the assets according to corresponding to the target loaning bill product are executed
The net value and accumulative net value of target loaning bill product described in acquisition of information, and by the net value of the target loaning bill product and add up
Net value is pushed to the step of user terminal.
It should be appreciated that in the embodiment of the present application, processor 502 can be central processing unit (Central
Processing Unit, CPU), which can also be other general processors, digital signal processor (Digital
Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit,
ASIC), ready-made programmable gate array (Field-Programmable GateArray, FPGA) or other programmable logic devices
Part, discrete gate or transistor logic, discrete hardware components etc..Wherein, general processor can be microprocessor or
The processor is also possible to any conventional processor etc..
Those of ordinary skill in the art will appreciate that be realize above-described embodiment method in all or part of the process,
It is that relevant hardware can be instructed to complete by computer program.The computer program can be stored in a storage medium,
The storage medium is computer readable storage medium.The computer program is held by least one processor in the computer system
Row, to realize the process step of the embodiment of the above method.
Therefore, the present invention also provides a kind of storage mediums.The storage medium can be computer readable storage medium.This is deposited
Storage media is stored with computer program.The computer program makes processor execute following steps when being executed by processor:
If receive user terminal transmission lends request, request is lent to the multiple loaning bills of user terminal push according to described
Product；
The loaning bill product that acquisition user terminal is chosen is as target loaning bill product；
The net value of the target loaning bill product is obtained according to assets information corresponding to the target loaning bill product and is tired out
Net value is counted, and the net value of the target loaning bill product and accumulative net value are pushed to the user terminal.
In one embodiment, the processor is realized described according to target loaning bill in the execution computer program
Assets information corresponding to product obtains the net value of the target loaning bill product and when accumulative net value step, is implemented as follows
Step:
Judge whether the target loaning bill product is overdue；
If the target loaning bill product is not overdue, according to formulaThe target is calculated to borrow money
The net value A of product and according to formulaCalculate the accumulative net value E of the target loaning bill product；
If the target loaning bill product is overdue, according to formulaCalculate the target
The net value A of loaning bill product and according to formulaCalculate the accumulative net value E of the target loaning bill product；
Wherein, i is the serial number for the assets that the target loaning bill product includes, and n is the money that the target loaning bill product includes
The quantity of production, B are the current end of term cost of assets, and C is counted daily for assets and proposed income, and D is to actually receive interest, F on the assets same day
For the end of term cost of a phase in assets, G is the expected loss rate of assets.
In one embodiment, described to lend request including expected yield and be expected the life of loan, the processor exists
It executes the computer program and realizes described lend according to and request to push multiple loaning bill product steps to the user terminal
When, it is implemented as follows step:
Multiple loaning bill products, which are obtained, according to the expected yield and the expected life of loan is pushed to the user
End.
In one embodiment, the processor also realizes following steps in the execution computer program:
Judge whether current time reaches preset timing node；
If current time reaches preset timing node, the assets according to corresponding to the target loaning bill product are executed
The net value and accumulative net value of target loaning bill product described in acquisition of information, and by the net value of the target loaning bill product and add up
Net value is pushed to the step of user terminal.
The storage medium can be USB flash disk, mobile hard disk, read-only memory (Read-Only Memory, ROM), magnetic disk
Or the various computer readable storage mediums that can store program code such as CD.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This
A little functions are implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Specially
Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not
It is considered as beyond the scope of this invention.
In several embodiments provided by the present invention, it should be understood that disclosed device and method can pass through it
Its mode is realized.For example, the apparatus embodiments described above are merely exemplary.For example, the division of each unit, only
Only a kind of logical function partition, there may be another division manner in actual implementation.Such as multiple units or components can be tied
Another system is closed or is desirably integrated into, or some features can be ignored or not executed.
The steps in the embodiment of the present invention can be sequentially adjusted, merged and deleted according to actual needs.This hair
Unit in bright embodiment device can be combined, divided and deleted according to actual needs.In addition, in each implementation of the present invention
Each functional unit in example can integrate in one processing unit, is also possible to each unit and physically exists alone, can also be with
It is that two or more units are integrated in one unit.
If the integrated unit is realized in the form of SFU software functional unit and when sold or used as an independent product,
It can store in one storage medium.Based on this understanding, technical solution of the present invention is substantially in other words to existing skill
The all or part of part or the technical solution that art contributes can be embodied in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be a
People's computer, terminal or network equipment etc.) it performs all or part of the steps of the method described in the various embodiments of the present invention.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in some embodiment
Part, reference can be made to the related descriptions of other embodiments.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.In this way, the even these modifications and changes of the present invention range that belongs to the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can readily occur in various equivalent modifications or replace
It changes, these modifications or substitutions should be covered by the protection scope of the present invention.Therefore, protection scope of the present invention should be with right
It is required that protection scope subject to.
Claims (10)
1. a kind of network loaning bill risk disclosure method characterized by comprising
If receive user terminal transmission lends request, lends request according to described and push the productions of multiple loaning bills to the user terminal
Product；
The loaning bill product that acquisition user terminal is chosen is as target loaning bill product；
The net value of the target loaning bill product is obtained according to assets information corresponding to the target loaning bill product and is added up net
Value, and the net value of the target loaning bill product and accumulative net value are pushed to the user terminal.
2. the method according to claim 1, wherein in the net value for obtaining the target loaning bill product and
Before accumulative net value, further includes:
Judge whether current time reaches preset timing node；
If current time reaches preset timing node, the assets information according to corresponding to the target loaning bill product is executed
Obtain the net value and accumulative net value of the target loaning bill product, and by the net value and accumulative net value of the target loaning bill product
The step of being pushed to the user terminal.
3. the method according to claim 1, wherein the assets according to corresponding to the target loaning bill product
The net value and accumulative net value of target loaning bill product described in acquisition of information, comprising:
Judge whether the target loaning bill product is overdue；
If the target loaning bill product is not overdue, according to formulaCalculate the target loaning bill product
Net value A and according to formulaCalculate the accumulative net value E of the target loaning bill product；
Wherein, i is the serial number for the assets that the target loaning bill product includes, and n is the assets that the target loaning bill product includes
Quantity, B are the current end of term cost of assets, and C is counted daily for assets and proposed income, and D is to actually receive interest on the assets same day.
4. according to the method described in claim 3, it is characterized in that, the net value for calculating the target loaning bill product and tired
Count net value, further includes:
If the target loaning bill product is overdue, according to formulaThe target loaning bill is calculated to produce
The net value A of product and according to formulaCalculate the accumulative net value E of the target loaning bill product；
Wherein, i is the serial number for the assets that the target loaning bill product includes, and n is the assets that the target loaning bill product includes
Quantity, F are the end of term cost of a phase in assets, and C is counted daily for assets and proposed income, and D is to actually receive interest on the assets same day, and G is
The expected loss rate of assets.
5. the method according to claim 1, wherein described lend requests to include that expected yield and expection are borrowed
It is the money time limit, described that request is lent according to the multiple loaning bill products of user terminal push, comprising:
Multiple loaning bill products, which are obtained, according to the expected yield and the expected life of loan is pushed to the user terminal.
6. a kind of network loaning bill risk disclosure device characterized by comprising
Push unit requests to push away to the user terminal if lending request for receive user terminal transmission according to described lend
Send multiple loaning bill products；
First acquisition unit, for obtaining loaning bill product that user terminal is chosen as target loaning bill product；
Second acquisition unit obtains the target loaning bill product for the assets information according to corresponding to the target loaning bill product
Net value and accumulative net value, and the net value of the target loaning bill product and accumulative net value are pushed to the user terminal.
7. network loaning bill risk disclosure device according to claim 6, which is characterized in that the network loaning bill risk disclosure
Device, further includes:
First judging unit, for judging whether current time reaches preset timing node；
If the second acquisition unit reaches preset timing node for current time, execute described according to target loaning bill
Assets information corresponding to product obtains the step of net value and accumulative net value of the target loaning bill product.
8. network loaning bill risk disclosure device according to claim 6, which is characterized in that first computing unit, packet
It includes:
Second judgment unit, for judging whether the target loaning bill product is overdue；
Second computing unit, if not overdue for the target loaning bill product, according to formulaIt calculates
The net value A of the target loaning bill product and according to formulaCalculate the accumulative net of the target loaning bill product
Value E；
Third computing unit, if overdue for the target loaning bill product, according to formula
Calculate the net value A of the target loaning bill product and according to formulaThe target loaning bill is calculated to produce
The accumulative net value E of product；
Wherein, i is the serial number for the assets that the target loaning bill product includes, and n is the assets that the target loaning bill product includes
Quantity, B are the current end of term cost of assets, and C is counted daily for assets and proposed income, and D is to actually receive interest the assets same day, and F is money
The end of term cost of a upper phase was produced, G is the expected loss rate of assets.
9. a kind of computer equipment, which is characterized in that the computer equipment includes memory and processor, on the memory
It is stored with computer program, the processor is realized as described in any one of claim 1-5 when executing the computer program
Method.
10. a kind of storage medium, which is characterized in that the storage medium is stored with computer program, and the computer program is worked as
Method according to any one of claims 1 to 5 can be realized when being executed by processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811105749.7A CN109359819A (en) | 2018-09-21 | 2018-09-21 | Network loaning bill risk disclosure method, apparatus, computer equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811105749.7A CN109359819A (en) | 2018-09-21 | 2018-09-21 | Network loaning bill risk disclosure method, apparatus, computer equipment and storage medium |
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| CN109359819A true CN109359819A (en) | 2019-02-19 |
Family
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| CN201811105749.7A Pending CN109359819A (en) | 2018-09-21 | 2018-09-21 | Network loaning bill risk disclosure method, apparatus, computer equipment and storage medium |
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