CN109509081A - Accrediting amount data processing method, device, computer equipment and storage medium - Google Patents
Accrediting amount data processing method, device, computer equipment and storage medium Download PDFInfo
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Abstract
The invention discloses a kind of accrediting amount data processing method, device, computer equipment and storage mediums, which comprises obtains the current funds on account data of Target Enterprise according to enterprise's unique identification；It include accounts receivable and accounts payable data in the funds on account data；The funds on account total value of the Target Enterprise is determined according to the accounts receivable and accounts payable data；The credit upper limit amount of the Target Enterprise is determined according to the funds on account total value；The current accrediting amount is adjusted to the credit upper limit amount when the difference of the credit upper limit amount and the current credit total value is greater than or equal to zero by the current credit total value for obtaining the Target Enterprise.The accrediting amount in real time, dynamically adjusting Target Enterprise may be implemented in the present invention, and the data precision is high, improves the confidence level and reasonability of the accrediting amount, determines that the giving credit amount of money of Target Enterprise provides foundation for financial institution.
Description
Technical field
The present invention relates to data processing fields, and in particular to a kind of accrediting amount data processing method, device, computer are set
Standby and storage medium.
Background technique
Currently, bank and other financial mechanism when examining the loan application of enterprise, is required to calculate the accrediting amount of enterprise.It awards
Letter amount refers to that bank and other financial mechanism is the stock control index for the short-term giving credit that client appraises and decides, as long as the credit of enterprise
The capital investment of business is less than the accrediting amount, and enterprise can obtain bank and other financial mechanism and quickly provide to the enterprise
Short-term credit fund.
In the prior art, the calculating of the accrediting amount needs to acquire enterprise's collage-credit data, internet data etc., generates enterprise
Evaluation for credit degree report, the accrediting amount of enterprise is determined further according to the credit rating of enterprise assessment report；The deficiency of the program
Place is: acquisition data volume is big and data are mixed and disorderly, and treatment process is cumbersome and time-consuming, and human intervention factor is more, causes to locate
The inefficient and error of reason is larger；And after completion credit rating of enterprise report may be frequently appeared in, acquire before this
Data change already, are inaccurate so as to cause the credit rating of enterprise report of generation, lack reasonability and confidence level.
Summary of the invention
The embodiment of the present invention provides a kind of accrediting amount data processing method, device, computer equipment and storage medium, this
The accrediting amount in real time, dynamically adjusting Target Enterprise, and the number used during the determination of the accrediting amount may be implemented in invention
According to from ERP (Enterpr ise Resource Planning, the Enterprise Resources Plan) system of Target Enterprise and relevant
Government organs' system, the data precision is high, improves the confidence level and reasonability of the accrediting amount, determines that target is looked forward to for financial institution
The giving credit amount of money of industry provides foundation.
A kind of accrediting amount data processing method, comprising:
It receives and transfers instruction comprising enterprise's unique identification, current according to enterprise's unique identification acquisition Target Enterprise
Funds on account data；It include accounts receivable and accounts payable data in the funds on account data；
The funds on account total value of the Target Enterprise is determined according to the accounts receivable and accounts payable data；
The credit upper limit amount of the Target Enterprise is determined according to the funds on account total value；
The current credit total value of the Target Enterprise is obtained, the current credit total value is less than or equal to the target
The current accrediting amount of enterprise, the current credit total value are that the Target Enterprise currently succeed all credit industry applied
The total value of the business amount of money；
Whether the difference for detecting the credit upper limit amount and the current credit total value is greater than or equal to zero；
When the difference of the credit upper limit amount and the current credit total value is greater than or equal to zero, currently awarded described
Letter amount is adjusted to the credit upper limit amount.
A kind of accrediting amount data processing equipment, comprising:
Receiving module is transferred instruction comprising enterprise's unique identification for receiving, is obtained according to enterprise's unique identification
The current funds on account data of Target Enterprise；It include accounts receivable and accounts payable data in the funds on account data；
Funds on account total value determining module, for determining that the target is looked forward to according to the accounts receivable and accounts payable data
The funds on account total value of industry；
Accrediting amount determining module, for determining the credit upper limit amount of the Target Enterprise according to the funds on account total value；
Module is obtained, for obtaining the current credit total value of the Target Enterprise, the current credit total value is less than
Or the current accrediting amount equal to the Target Enterprise, the current credit total value are that the Target Enterprise has currently succeeded Shen
The total value of all giving credit amount of money please；
Whether detection module, the difference for detecting the credit upper limit amount and the current credit total value are greater than or wait
In zero；
Module is adjusted, for being greater than or equal to zero in the difference of the credit upper limit amount and the current credit total value
When, the current accrediting amount is adjusted to the credit upper limit amount.
A kind of computer equipment, including memory, processor and storage are in the memory and can be in the processing
The computer-readable instruction run on device, the processor realize the above-mentioned accrediting amount number when executing the computer-readable instruction
The step of according to processing method.
A kind of computer readable storage medium, the computer-readable recording medium storage have computer-readable instruction, institute
State the step of above-mentioned accrediting amount data processing method is realized when computer-readable instruction is executed by processor.
Accrediting amount data processing method, device, computer equipment and storage medium provided by the invention, only according to enterprise
One mark obtains the current funds on account data of Target Enterprise；The funds on account total value of the Target Enterprise is determined according to funds on account data；According to
The funds on account total value determines the credit upper limit amount of the Target Enterprise；Obtain the current credit total value of the Target Enterprise；
When the difference of credit upper limit amount and the current credit total value is greater than or equal to zero, the current accrediting amount is adjusted to
The credit upper limit amount.When the difference of credit upper limit amount and the current credit total value is less than zero, the target is prompted
Enterprise can not currently apply for that the giving credit amount of money, and/or the prompt Target Enterprise award current having succeeded described in application
The communication service amount of money executes operation of refunding.The accrediting amount in real time, dynamically adjusting Target Enterprise, and the credit may be implemented in the present invention
For the data source used during the determination of amount in the ERP system and relevant government organs' system of Target Enterprise, data are quasi-
Exactness is high, improves the confidence level and reasonability of the accrediting amount, determines that the giving credit amount of money of Target Enterprise mentions for financial institution
Foundation is supplied.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below by institute in the description to the embodiment of the present invention
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention
Example, for those of ordinary skill in the art, without creative efforts, can also obtain according to these attached drawings
Obtain other attached drawings.
Fig. 1 is the application environment schematic diagram of accrediting amount data processing method in one embodiment of the invention；
Fig. 2 is the flow chart of accrediting amount data processing method in one embodiment of the invention；
Fig. 3 is the flow chart of the step S30 of accrediting amount data processing method in one embodiment of the invention；
Fig. 4 is the flow chart of the step S301 of accrediting amount data processing method in one embodiment of the invention；
Fig. 5 is the flow chart of accrediting amount data processing method in another embodiment of the present invention；
Fig. 6 is the functional block diagram of accrediting amount data processing equipment in one embodiment of the invention；
Fig. 7 is the functional block diagram of accrediting amount data processing equipment in another embodiment of the present invention；
Fig. 8 is the principle frame of the accrediting amount determining module of accrediting amount data processing equipment in one embodiment of the invention
Figure；
Fig. 9 is the functional block diagram of the first determining submodule of accrediting amount data processing equipment in one embodiment of the invention；
Figure 10 is the schematic diagram of computer equipment in one embodiment of the 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.
Accrediting amount data processing method provided by the invention, can be applicable in the application environment such as Fig. 1, wherein client
End (computer equipment) is communicated by network with server.Wherein, client (computer equipment) includes but is not limited to be
Various personal computers, laptop, smart phone, tablet computer, camera and portable wearable device.Server can
To be realized with the independent server either server cluster that forms of multiple servers.
In one embodiment, it as shown in Fig. 2, providing a kind of accrediting amount data processing method, is applied in this way in Fig. 1
In server for be illustrated, comprising the following steps:
S10 is received and is transferred instruction comprising enterprise's unique identification, is obtained Target Enterprise according to enterprise's unique identification and is worked as
Preceding funds on account data；It include accounts receivable and accounts payable data in the funds on account data.
In the present embodiment, server can be from the ERP (Enterprise for the Target Enterprise connecting with server communication
Resource Planning, Enterprise Resources Plan) the funds on account data are obtained in system, the ERP system is by Target Enterprise
All resources (such as logistics, cash flow, information flow) carry out integration entirely integrating management management information system.
Enterprise's unique identification is enterprise's mark with uniqueness such as title or Taxpayer Identification Number of the Target Enterprise
Note.The funds on account data sent after the user for receiving client is by typing or selection enterprise's unique identification transfer finger
After order, server can transfer the funds on account data from the ERP system of the Target Enterprise according to enterprise's unique identification.
It is to be understood that server also can timing (time interval can be set according to demand) to the server
Funds on account data are transferred in the ERP system of each Target Enterprise of communication connection, and is stored or is updated in the database, this
When, server is without transferring the funds on account data from the ERP system of the Target Enterprise, it is only necessary to from database according to institute
It states enterprise's unique identification and transfers the newest funds on account data once updated.
It further, include accounts receivable and accounts payable data in the funds on account data, wherein described to answer receipt on account
Amount of money evidence, which refers to other enterprises currently, should pay the funds on account data of the Target Enterprise；The accounts payable data refer to described
Target Enterprise should pay the funds on account data of every other enterprise.
S20 determines the funds on account total value of the Target Enterprise according to the accounts receivable and accounts payable data.
In the present embodiment, it needs to determine the Target Enterprise according to the accounts receivable and accounts payable data
Funds on account total value, and then the credit upper limit amount of the Target Enterprise is determined in subsequent step S30 according to the funds on account total value,
That is, determining that the Target Enterprise can currently apply for the upper limit of the giving credit amount of money.
In one embodiment, the step S20 namely described true according to the accounts receivable and accounts payable data
The funds on account total value of the fixed Target Enterprise, comprising:
The funds on account total value of the Target Enterprise is determined according to the following formula:
Z=(A1+A2+ ...+An)-(B1+B2+ ...+Bm)
Wherein:
Z is the funds on account total value of the Target Enterprise；
A1 is the expected receivable accounts receivable from other corporate payments of first hand arrived of the Target Enterprise；
A2 is the expected receivable accounts receivable from second other corporate payments arrived of the Target Enterprise；
An is the expected receivable accounts receivable from n-th other corporate payments arrived of the Target Enterprise；
B1 is the accounts payable data that the Target Enterprise expection should pay other enterprises of first hand；
B2 is the accounts payable data that the Target Enterprise expection should pay second other enterprise；
Bm is the accounts payable data that the Target Enterprise expection should pay other enterprises, m family.
In above-mentioned formula, when needing to calculate the funds on account total value, it is necessary first to which obtaining every other enterprise should pay
The sum of accounts receivable of the Target Enterprise and the Target Enterprise should pay the accounts payable of every other enterprise
The sum of data；Obtain the difference of the sum of the sum of above-mentioned accounts receivable and accounts payable data, the as described funds on account again later
Total value.When the accounts receivable are greater than accounts payable data, the funds on account total value is positive value；It is small in accounts receivable
When accounts payable data, the funds on account total value is negative value；When accounts receivable are equal to accounts payable data, the funds on account
Total value is zero.For example, if every other enterprise should pay the sum of accounts receivable of the Target Enterprise 1,400,000, and institute
Stating Target Enterprise and should paying the sum of accounts payable data of every other enterprise is 400,000, at this point, the funds on account total value is 100
Ten thousand.
S30 determines the credit upper limit amount of the Target Enterprise according to the funds on account total value.
In this step, the funds on account total value of the fixed current Target Enterprise is known first, and then according to the account
Tax information, assets information and the qualification information of money total value and the Target Enterprise before this etc. and the associated content of credit
Determine phase credit upper limit amount.
In one embodiment, as shown in figure 3, the step S30 includes:
S301 obtains the tax information, assets information and qualification information of the Target Enterprise.
Wherein, the tax information includes whether to possess the information such as Tax Registration Certificate, taxpaying credit grade；The assets letter
Breath includes that can embody the information such as balance sheet and the configuration of its current asset of the Target Enterprise；The qualification information includes
Whether whether it possesses the information such as industrial and commercial registration card, business licence, brand influence.
In this step, can according to enterprise's unique identification of the Target Enterprise to relevant government agencies' system (such as
Industrial and commercial system, tax system etc.) obtain one of above-mentioned tax information, assets information and qualification information or a variety of.
S302 determines the Target Enterprise according to the tax information of the Target Enterprise, assets information and qualification information
Credit grade；
That is, can determine the mesh according to one of above-mentioned tax information, assets information and qualification information or a variety of
Mark the credit grade of enterprise.
Preferably, as shown in figure 4, the step S302 includes:
S3021 is obtained corresponding with the tax information of the Target Enterprise, assets information and qualification information from database
Weight coefficient；That is, being in advance above-mentioned various tax informations, assets information and the corresponding weight of qualification information configuration in database
(according to the difference of the information particular content of variant enterprise, weight coefficient is also different, and the weight coefficient is according to demand for coefficient
Setting), after getting above- mentioned information, i.e., corresponding weight coefficient is transferred from database.
S3022 obtains the sum of each described weight coefficient, obtains and the weight system from the predetermined level list in database
The corresponding credit grade of the sum of number.
That is, according to the sum of weight coefficient corresponding with the tax information, assets information and qualification information, described in acquisition
The credit grade of Target Enterprise.It is previously stored with predetermined level list in the database, is had recorded in the predetermined level list every
Credit grade corresponding to one weight coefficient, namely, it is only necessary to the sum of weight coefficient is got (understandably, in order to more smart
Credit grade really is calculated, each single item information in above-mentioned tax information, assets information and qualification information can be classified as more
A sub-information, and an individual weight coefficient can be determined for each sub-information), it can be from the predetermined level list
Look for credit grade associated with it.For example, the corresponding weight coefficient of tax information is 0.1, the corresponding weight of assets information
Coefficient is 0.2, and the corresponding weight coefficient of qualification information is 0.3, and the sum of weight coefficient is 0.6 at this time.It is arranged in the predetermined level
In table, weight coefficient is the Target Enterprise of 0.5-0.7, and credit grade is 3 grades, at this point, since weight coefficient is 0.6, the number
Word belongs in the range of 0.5-0.7, and therefore, the credit grade of the Target Enterprise can be determined that 3 grades.
Understandably, in this step, other can also can be assessed to information (such as the brand shadow of the credit grade
Ring power) it is added in the calculating process of the credit grade, and a weight coefficient is configured for it according to demand, further according to adjustment
Weight coefficient afterwards determines the credit grade of the Target Enterprise；Similarly, if only getting above-mentioned tax information, assets information and money
One or both of matter information also can determine weight coefficient according to it and obtain corresponding credit grade according to it.That is,
In the present invention, if the credit grade can carry out dynamic adjustment according to the adjustment of above-mentioned weight coefficient.
S303 determines the credit upper limit amount of the Target Enterprise according to the credit grade and the funds on account total value.
Preferably, the step S303 includes:
Transferred from database with the associated credit coefficient of the credit grade, and calculate the target according to the following formula
The credit upper limit amount of enterprise:
Sh=Z* α
Wherein:
Sh is the credit upper limit amount of the Target Enterprise；
Z is the funds on account total value of the Target Enterprise；
α is the credit coefficient.
In above-mentioned formula, the credit upper limit amount is the funds on account total value multiplied by the credit coefficient, it will be appreciated that ground,
The credit coefficient can be a percent coefficient, in the database of server, be previously stored with credit grade with it is described
The incidence relation of credit coefficient, for example, credit grade be 2 grades, be with the associated credit coefficient of 2 grades of the credit grade
0.9, at this point, the credit upper limit amount of the Target Enterprise is 100*0.9=90 ten thousand if the funds on account total value is 1,000,000,
That is, at this point, the Target Enterprise can be from the upper limit of the bank and other financial mechanism application giving credit amount of money (such as amount of the loan)
900000.
S40, obtains the current credit total value of the Target Enterprise, and the current credit total value is less than or equal to described
The current accrediting amount of Target Enterprise, the current credit total value are that the Target Enterprise currently succeed all awarding of applying
The total value of the communication service amount of money.
Wherein, what the current accrediting amount referred to that the Target Enterprise is currently set can be to bank and other financial mechanism
Apply for the total value of the giving credit amount of money；And the current credit total value refers to that the Target Enterprise currently succeed the owning of application
The total value of the giving credit amount of money；Therefore, the current credit total value is less than or equal to the current accrediting amount, that is, working as
The preceding Target Enterprise is not changed under normal circumstances in the current accrediting amount, can also awarding to bank and other financial mechanism application
The communication service amount of money is greater than or equal to zero.
In one embodiment, in above-mentioned steps S40, the current credit total value for obtaining the Target Enterprise, comprising:
It detects the credit upper limit amount and whether the current accrediting amount is equal；
When the credit upper limit amount is equal with the current accrediting amount, it is back to etc. to be received unique comprising enterprise
Mark transfers instruction；
In the credit upper limit amount and the unequal current accrediting amount, obtain the Target Enterprise it is current
Credit total value.
In the above-described embodiments, when confirming the credit upper limit amount, confirm the credit upper limit amount whether with before this
The determining current accrediting amount is equal, if equal with the current accrediting amount fixed before this, illustrates that the Target Enterprise is worked as
Before be set can be to the total value (the i.e. current accrediting amount) of the bank and other financial mechanism application giving credit amount of money and this is pre-
The credit upper limit amount estimated is consistent, at this point, the current accrediting amount is not necessarily to adjustment, therefore continues back in the step S10
?；If unequal with the current accrediting amount fixed before this, then illustrate that the Target Enterprise is currently set can be with
The limit in the total value (the i.e. current accrediting amount) and this credit estimated of the bank and other financial mechanism application giving credit amount of money
Spend it is not consistent, at this point, the current accrediting amount may need to be adjusted, enter in above-mentioned steps S40 at this time carry out into
The judgement of one step.
Whether S50, the difference for detecting the credit upper limit amount and the current credit total value are greater than or equal to zero.
In the present embodiment, whether the difference for detecting the credit upper limit amount and the current credit total value is greater than or waits
In zero, be in order to confirm, active user to bank and other financial mechanism at the giving credit amount of money of application total value whether
It is more than resulting credit upper limit amount to be calculated in step S30, and then determine whether the current accrediting amount needs to be adjusted.
S60 works as by described in when the difference of the credit upper limit amount and the current credit total value is greater than or equal to zero
The preceding accrediting amount is adjusted to the credit upper limit amount.
It is awarded that is, being less than to bank and other financial mechanism at the total value of the giving credit amount of money of application in active user
When believing upper limit amount, illustrate that the enterprise is also equipped with certain loan repayment capacity, which is the credit upper limit amount and institute
The difference for stating current credit total value, at this time, it may be necessary to which the current accrediting amount is adjusted to the credit upper limit amount.
In one embodiment, as shown in figure 5, after the step S50 further include:
S70 prompts the target to look forward to when the difference of the credit upper limit amount and the current credit total value is less than zero
Industry can not currently apply for the giving credit amount of money, and/or the credit of the prompt Target Enterprise to the current application that succeeded
The business amount of money executes operation of refunding.
That is, being more than credit at the total value of the giving credit amount of money of application to bank and other financial mechanism in active user
When upper limit amount, the total value for representing the giving credit amount of money that the Target Enterprise has currently been applied may already exceed its refund energy
Power, in order to avoid risk, which will be unable to borrow money again, and (no normal direction bank and other financial mechanism is at application giving credit gold
Volume), or even need actively to refund；And wait it is to be received transfer instruction comprising enterprise's unique identification, in order in the Target Enterprise
It is total according to the new credit upper limit amount of the confirmations such as new funds on account data and the current credit for obtaining update after actively refunding
Volume, and then when confirming that the difference of new credit upper limit amount and the current credit total value updated is greater than or equal to zero, it will be current
The accrediting amount is adjusted to the new credit upper limit amount.
In one embodiment, as shown in fig. 6, providing a kind of accrediting amount data processing equipment, at the accrediting amount data
Accrediting amount data processing method in device and above-described embodiment is managed to correspond.The accrediting amount data processing equipment packet
It includes:
Receiving module 11 is transferred instruction comprising enterprise's unique identification for receiving, is obtained according to enterprise's unique identification
Take the funds on account data that Target Enterprise is current；It include accounts receivable and accounts payable data in the funds on account data；
Funds on account total value determining module 12, for determining the target according to the accounts receivable and accounts payable data
The funds on account total value of enterprise；
Accrediting amount determining module 13, for determining limit in the credit of the Target Enterprise according to the funds on account total value
Degree；
Module 14 is obtained, for obtaining the current credit total value of the Target Enterprise, the current credit total value is small
In or equal to the Target Enterprise the current accrediting amount, the current credit total value is that the Target Enterprise has currently succeeded
The total value of all giving credit amount of money of application；
Detection module 15, the difference for detecting the credit upper limit amount and the current credit total value whether be greater than or
Equal to zero；
Module 16 is adjusted, for being greater than or equal to zero in the difference of the credit upper limit amount and the current credit total value
When, the current accrediting amount is adjusted to the credit upper limit amount.
In one embodiment, as shown in fig. 7, described device further include:
Cue module 17, for mentioning when the difference of the credit upper limit amount and the current credit total value is less than zero
Show that the Target Enterprise can not currently apply the giving credit amount of money, and/or the prompt Target Enterprise to the current Shen that succeeded
The giving credit amount of money please executes operation of refunding.
In one embodiment, the funds on account total value determining module 12 is also used to determine the Target Enterprise according to the following formula
Funds on account total value:
Z=(A1+A2+ ...+An)-(B1+B2+ ...+Bm)
Wherein:
Z is the funds on account total value of the Target Enterprise；
A1 is the expected receivable accounts receivable from other corporate payments of first hand arrived of the Target Enterprise；
A2 is the expected receivable accounts receivable from second other corporate payments arrived of the Target Enterprise；
An is the expected receivable accounts receivable from n-th other corporate payments arrived of the Target Enterprise；
B1 is the accounts payable data that the Target Enterprise expection should pay other enterprises of first hand；
B2 is the accounts payable data that the Target Enterprise expection should pay second other enterprise；
Bm is the accounts payable data that the Target Enterprise expection should pay other enterprises, m family.
In one embodiment, as shown in figure 8, the accrediting amount determining module 13 includes:
Acquisition submodule 131, for obtaining the tax information, assets information and qualification information of the Target Enterprise；
First determines submodule 132, for true according to the tax information of the Target Enterprise, assets information and qualification information
The credit grade of the fixed Target Enterprise；
Second determines submodule 133, for determining the Target Enterprise according to the credit grade and the funds on account total value
Credit upper limit amount.
In one embodiment, as shown in figure 9, described first determines that submodule 132 includes:
First acquisition unit 1321, for obtaining tax information, assets information with the Target Enterprise from database
Weight coefficient corresponding with qualification information；
Second acquisition unit 1322, for obtaining the sum of each described weight coefficient, from the predetermined level list in database
It is middle to obtain credit grade corresponding with the sum of the weight coefficient.
In one embodiment, described second determine that submodule 133 is also used to transfer from database and the credit grade
Associated credit coefficient, and the credit upper limit amount of the Target Enterprise is calculated according to the following formula:
Sh=Z* α
Wherein:
Sh is the credit upper limit amount of the Target Enterprise；
Z is the funds on account total value of the Target Enterprise；
α is the credit coefficient.
In one embodiment, the acquisition module 14 includes:
Whether detection unit is equal for detecting the credit upper limit amount and the current accrediting amount；
Return unit, it is waiting for when the credit upper limit amount is equal with the current accrediting amount, being back to etc.
Packet receiving unique identification containing enterprise transfers instruction；
Third acquiring unit, for obtaining institute in the credit upper limit amount and the unequal current accrediting amount
State the current credit total value of Target Enterprise.
Specific restriction about accrediting amount data processing equipment may refer to above for accrediting amount data processing
The restriction of method, details are not described herein.Modules in above-mentioned accrediting amount data processing equipment can be fully or partially through
Software, hardware and combinations thereof are realized.Above-mentioned each module can be embedded in the form of hardware or independently of the place in computer equipment
It manages in device, can also be stored in a software form in the memory in computer equipment, in order to which processor calls execution or more
The corresponding operation of modules.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 10.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium be stored with operating system, computer-readable instruction and
Database.The built-in storage provides ring for the operation of operating system and computer-readable instruction in non-volatile memory medium
Border.To realize a kind of accrediting amount data processing method when computer-readable instruction is executed by processor.
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory
And the computer-readable instruction that can be run on a processor, processor perform the steps of when executing computer-readable instruction
It receives and transfers instruction comprising enterprise's unique identification, current according to enterprise's unique identification acquisition Target Enterprise
Funds on account data；It include accounts receivable and accounts payable data in the funds on account data；
The funds on account total value of the Target Enterprise is determined according to the accounts receivable and accounts payable data；
The credit upper limit amount of the Target Enterprise is determined according to the funds on account total value；
The current credit total value of the Target Enterprise is obtained, the current credit total value is less than or equal to the target
The current accrediting amount of enterprise, the current credit total value are that the Target Enterprise currently succeed all credit industry applied
The total value of the business amount of money；
Whether the difference for detecting the credit upper limit amount and the current credit total value is greater than or equal to zero；
When the difference of the credit upper limit amount and the current credit total value is greater than or equal to zero, currently awarded described
Letter amount is adjusted to the credit upper limit amount.
In one embodiment, a kind of computer readable storage medium is provided, computer-readable instruction is stored thereon with,
It is performed the steps of when computer-readable instruction is executed by processor
It receives and transfers instruction comprising enterprise's unique identification, current according to enterprise's unique identification acquisition Target Enterprise
Funds on account data；It include accounts receivable and accounts payable data in the funds on account data；
The funds on account total value of the Target Enterprise is determined according to the accounts receivable and accounts payable data；
The credit upper limit amount of the Target Enterprise is determined according to the funds on account total value；
The current credit total value of the Target Enterprise is obtained, the current credit total value is less than or equal to the target
The current accrediting amount of enterprise, the current credit total value are that the Target Enterprise currently succeed all credit industry applied
The total value of the business amount of money；
Whether the difference for detecting the credit upper limit amount and the current credit total value is greater than or equal to zero；
When the difference of the credit upper limit amount and the current credit total value is greater than or equal to zero, currently awarded described
Letter amount is adjusted to the credit upper limit amount.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer-readable instruction, it is non-volatile that the computer-readable instruction can be stored in one
Property computer-readable storage medium in, the computer-readable instruction is when being executed, it may include as above-mentioned each method embodiment
Process.Wherein, to memory, storage, database or other media used in each embodiment provided by the present invention
Any reference may each comprise non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory
(ROM), programming ROM (PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.It is volatile
Property memory may include random access memory (RAM) or external cache.By way of illustration and not limitation, RAM
It is available in many forms, such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram
(DDRSDRAM), enhanced SDRAM (ESDRAM), synchronization link DRAM (SLDRAM), the direct RAM of memory bus (RDRAM),
Direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit or module division progress for example, in practical application, can according to need and by above-mentioned function distribution by difference
Functional unit or module complete, i.e., the internal structure of described device is divided into different functional unit or module, with complete
All or part of function described above.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of accrediting amount data processing method characterized by comprising
It receives and transfers instruction comprising enterprise's unique identification, the current funds on account of Target Enterprise are obtained according to enterprise's unique identification
Data；It include accounts receivable and accounts payable data in the funds on account data；
The funds on account total value of the Target Enterprise is determined according to the accounts receivable and accounts payable data；
The credit upper limit amount of the Target Enterprise is determined according to the funds on account total value；
The current credit total value of the Target Enterprise is obtained, the current credit total value is less than or equal to the Target Enterprise
The current accrediting amount, the current credit total value be the Target Enterprise currently succeed application all giving credits it is golden
The total value of volume；
Whether the difference for detecting the credit upper limit amount and the current credit total value is greater than or equal to zero；
When the difference of the credit upper limit amount and the current credit total value is greater than or equal to zero, by the current credit volume
Degree is adjusted to the credit upper limit amount.
2. accrediting amount data processing method as described in claim 1, which is characterized in that limit in the detection credit
Whether the difference of degree and the current credit total value is greater than or equal to after zero, further includes:
When the difference of the credit upper limit amount and the current credit total value is less than zero, the current nothing of the Target Enterprise is prompted
The method application giving credit amount of money, and/or the prompt Target Enterprise is to the giving credit amount of money of the current application that succeeded
Execute operation of refunding.
3. the method for accrediting amount data processing as described in claim 1, which is characterized in that described according to the accounts receivable number
According to the funds on account total value for determining the Target Enterprise with accounts payable data, comprising:
The funds on account total value of the Target Enterprise is determined according to the following formula:
Z=(A1+A2+ ...+An)-(B1+B2+ ...+Bm)
Wherein:
Z is the funds on account total value of the Target Enterprise；
A1 is the expected receivable accounts receivable from other corporate payments of first hand arrived of the Target Enterprise；
A2 is the expected receivable accounts receivable from second other corporate payments arrived of the Target Enterprise；
An is the expected receivable accounts receivable from n-th other corporate payments arrived of the Target Enterprise；
B1 is the accounts payable data that the Target Enterprise expection should pay other enterprises of first hand；
B2 is the accounts payable data that the Target Enterprise expection should pay second other enterprise；
Bm is the accounts payable data that the Target Enterprise expection should pay other enterprises, m family.
4. accrediting amount data processing method as described in claim 1, which is characterized in that described true according to the funds on account total value
The credit upper limit amount of the fixed Target Enterprise, comprising:
Obtain the tax information, assets information and qualification information of the Target Enterprise；
The credit grade of the Target Enterprise is determined according to the tax information of the Target Enterprise, assets information and qualification information；
The credit upper limit amount of the Target Enterprise is determined according to the credit grade and the funds on account total value.
5. accrediting amount data processing method as claimed in claim 4, which is characterized in that described according to the Target Enterprise
Tax information, assets information and qualification information determine the credit grade of the Target Enterprise, comprising:
Weight coefficient corresponding with the tax information of the Target Enterprise, assets information and qualification information is obtained from database；
The sum of each described weight coefficient is obtained, is obtained from the predetermined level list in database corresponding with the sum of the weight coefficient
Credit grade.
6. accrediting amount data processing method as claimed in claim 4, which is characterized in that it is described according to the credit grade and
The funds on account total value determines the credit upper limit amount of the Target Enterprise, comprising:
Transferred from database with the associated credit coefficient of the credit grade, and calculate the Target Enterprise according to the following formula
Credit upper limit amount:
Sh=Z* α
Wherein:
Sh is the credit upper limit amount of the Target Enterprise；
Z is the funds on account total value of the Target Enterprise；
α is the credit coefficient.
7. such as accrediting amount data processing method as claimed in any one of claims 1 to 6, which is characterized in that described in the acquisition
The current credit total value of Target Enterprise, comprising:
It detects the credit upper limit amount and whether the current accrediting amount is equal；
When the credit upper limit amount is equal with the current accrediting amount, it is back to etc. to be received comprising enterprise's unique identification
Transfer instruction；
In the credit upper limit amount and the unequal current accrediting amount, the current credit of the Target Enterprise is obtained
Total value.
8. a kind of accrediting amount data processing equipment characterized by comprising
Receiving module, transfers instruction comprising enterprise's unique identification for receiving, and obtains target according to enterprise's unique identification
The current funds on account data of enterprise；It include accounts receivable and accounts payable data in the funds on account data；
Funds on account total value determining module, for determining the Target Enterprise according to the accounts receivable and accounts payable data
Funds on account total value；
Accrediting amount determining module, for determining the credit upper limit amount of the Target Enterprise according to the funds on account total value；
Module is obtained, for obtaining the current credit total value of the Target Enterprise, the current credit total value is less than or waits
In the current accrediting amount of the Target Enterprise, the current credit total value is that the Target Enterprise currently succeed and applies
The total value of all giving credit amount of money；
Whether detection module, the difference for detecting the credit upper limit amount and the current credit total value are greater than or equal to
Zero；
Module is adjusted, is used for when the difference of the credit upper limit amount and the current credit total value is greater than or equal to zero, it will
The current accrediting amount is adjusted to the credit upper limit amount.
9. a kind of computer equipment, including memory, processor and storage are in the memory and can be in the processor
The computer-readable instruction of upper operation, which is characterized in that the processor is realized when executing the computer-readable instruction as weighed
Benefit requires the step of any one of 1 to 7 accrediting amount data processing method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer-readable instruction, special
Sign is, the accrediting amount number as described in any one of claim 1 to 7 is realized when the computer-readable instruction is executed by processor
The step of according to processing method.
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| CN201811192134.2A CN109509081A (en) | 2018-10-12 | 2018-10-12 | Accrediting amount data processing method, device, computer equipment and storage medium |
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| CN201811192134.2A CN109509081A (en) | 2018-10-12 | 2018-10-12 | Accrediting amount data processing method, device, computer equipment and storage medium |
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| CN112200657A (en) * | 2020-09-17 | 2021-01-08 | 中国建设银行股份有限公司 | Method and device for granting credit for rental business, computer equipment and medium |
| CN112508686A (en) * | 2020-12-16 | 2021-03-16 | 金网络(北京)电子商务有限公司 | Supply chain financial credit line post-processing method and system |
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